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Loans and ACL (Tables)

9 Months Ended

Sep. 30, 2025

Receivables [Abstract]

Loan Composition

The following table provides a detailed listing of our loan portfolio at:

			September 30, 2025												December 31, 2024
			Balance						Percent of Total						Balance						Percent of Total
Commercial and industrial
Secured			$	186,306					13.01		%				$	177,239					12.45		%
Unsecured			31,826						2.22		%				23,384						1.64		%
Total commercial and industrial			218,132						15.23		%				200,623						14.09		%
Commercial real estate
Commercial mortgage owner occupied			220,233						15.38		%				213,086						14.97		%
Commercial mortgage non-owner occupied			224,653						15.70		%				217,679						15.29		%
Commercial mortgage 1-4 family investor			97,971						6.84		%				92,497						6.50		%
Commercial mortgage multifamily			83,785						5.85		%				68,456						4.81		%
Total commercial real estate			626,642						43.77		%				591,718						41.57		%
Advances to mortgage brokers			5,056						0.35		%				63,080						4.43		%
Agricultural
Agricultural mortgage			67,726						4.73		%				67,550						4.75		%
Agricultural other			30,068						2.10		%				32,144						2.26		%
Total agricultural			97,794						6.83		%				99,694						7.01		%
Residential real estate
Senior lien			358,755						25.05		%				332,743						23.37		%
Junior lien			10,674						0.75		%				8,655						0.61		%
Home equity lines of credit			42,627						2.98		%				39,474						2.77		%
Total residential real estate			412,056						28.78		%				380,872						26.75		%
Consumer
Secured - direct			29,952						2.09		%				35,050						2.46		%
Secured - indirect			38,922						2.72		%				49,136						3.45		%
Unsecured			3,351						0.23		%				3,398						0.24		%
Total consumer			72,225						5.04		%				87,584						6.15		%
Total			$	1,431,905					100.00		%				$	1,423,571					100.00		%

Nonaccrual Loans with No ACL

The following table summarizes nonaccrual loan data by class of loans as of:

			September 30, 2025												December 31, 2024
			Total Nonaccrual Loans						Nonaccrual Loans with No ACL						Total Nonaccrual Loans						Nonaccrual Loans with No ACL
Commercial and industrial
Secured			$	16					$	16					$	—					$	—
Commercial real estate
Commercial mortgage 1-4 family investor			3,000						3,000						—						—
Residential real estate
Senior lien			427						427						282						282
Total			$	3,443					$	3,443					$	282					$	282

Summary of Past Due Loans

The following tables summarize the past due and current loans for the entire loan portfolio as of:

			September 30, 2025
			Past Due:																														Accruing Loans 90 or More Days Past Due
			30-59 Days						60-89 Days						90 Days or More						Current						Total
Commercial and industrial
Secured			$	100					$	—					$	16					$	186,190					$	186,306					$	—
Unsecured			—						—						—						31,826						31,826						—
Total commercial and industrial			100						—						16						218,016						218,132						—
Commercial real estate
Commercial mortgage owner occupied			—						—						—						220,233						220,233						—
Commercial mortgage non-owner occupied			139						—						—						224,514						224,653						—
Commercial mortgage 1-4 family investor			—						3,000						—						94,971						97,971						—
Commercial mortgage multifamily			—						—						—						83,785						83,785						—
Total commercial real estate			139						3,000						—						623,503						626,642						—
Advances to mortgage brokers			—						—						—						5,056						5,056						—
Agricultural
Agricultural mortgage			—						—						—						67,726						67,726						—
Agricultural other			—						—						—						30,068						30,068						—
Total agricultural			—						—						—						97,794						97,794						—
Residential real estate
Senior lien			51						125						18						358,561						358,755						18
Junior lien			—						—						—						10,674						10,674						—
Home equity lines of credit			—						—						—						42,627						42,627						—
Total residential real estate			51						125						18						411,862						412,056						18
Consumer
Secured - direct			7						—						—						29,945						29,952						—
Secured - indirect			70						—						—						38,852						38,922						—
Unsecured			8						—						—						3,343						3,351						—
Total consumer			85						—						—						72,140						72,225						—
Total			$	375					$	3,125					$	34					$	1,428,371					$	1,431,905					$	18

			December 31, 2024
			Past Due:																														Accruing Loans 90 or More Days Past Due
			30-59 Days						60-89 Days						90 Days or More						Current						Total
Commercial and industrial
Secured			$	328					$	—					$	—					$	176,911					$	177,239					$	—
Unsecured			—						50						—						23,334						23,384						—
Total commercial and industrial			328						50						—						200,245						200,623						—
Commercial real estate
Commercial mortgage owner occupied			25						304						—						212,757						213,086						—
Commercial mortgage non-owner occupied			792						—						—						216,887						217,679						—
Commercial mortgage 1-4 family investor			—						—						—						92,497						92,497						—
Commercial mortgage multifamily			—						—						—						68,456						68,456						—
Total commercial real estate			817						304						—						590,597						591,718						—
Advances to mortgage brokers			—						—						—						63,080						63,080						—
Agricultural
Agricultural mortgage			—						—						—						67,550						67,550						—
Agricultural other			—						—						—						32,144						32,144						—
Total agricultural			—						—						—						99,694						99,694						—
Residential real estate
Senior lien			3,846						148						163						328,586						332,743						—
Junior lien			19						—						—						8,636						8,655						—
Home equity lines of credit			10						—						—						39,464						39,474						—
Total residential real estate			3,875						148						163						376,686						380,872						—
Consumer
Secured - direct			15						—						19						35,016						35,050						19
Secured - indirect			232						—						—						48,904						49,136						—
Unsecured			4						—						—						3,394						3,398						—
Total consumer			251						—						19						87,314						87,584						19
Total			$	5,271					$	502					$	182					$	1,417,616					$	1,423,571					$	19

Credit Quality Indicators by Year of Origination

The following tables display commercial and agricultural loans by credit risk ratings and year of origination as of:

			September 30, 2025
			2025						2024						2023						2022						2021						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Commercial and industrial: Secured
Risk ratings 1-3			$	4,620					$	10,717					$	14,511					$	2,312					$	3,930					$	2,927					$	19,994					$	—					$	59,011
Risk rating 4			19,291						22,202						10,594						7,197						7,530						2,601						29,246						—						98,661
Risk rating 5			2,392						2,278						225						15,553						25						—						4,422						—						24,895
Risk rating 6			91						520						20						—						39						7						3,046						—						3,723
Risk rating 7			—						—						—						16						—						—						—						—						16
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	26,394					$	35,717					$	25,350					$	25,078					$	11,524					$	5,535					$	56,708					$	—					$	186,306
2025 year-to-date gross charge-offs			$	—					$	—					$	22					$	—					$	—					$	—					$	—					$	—					$	22
Commercial and industrial: Unsecured
Risk ratings 1-3			$	1,544					$	348					$	2,496					$	160					$	25					$	412					$	1,936					$	—					$	6,921
Risk rating 4			9,145						1,333						985						1,369						594						299						9,899						—						23,624
Risk rating 5			3						—						63						—						96						—						1,031						—						1,193
Risk rating 6			—						88						—						—						—						—						—						—						88
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	10,692					$	1,769					$	3,544					$	1,529					$	715					$	711					$	12,866					$	—					$	31,826
2025 year-to-date gross charge-offs			$	—					$	50					$	—					$	—					$	—					$	—					$	—					$	—					$	50
Commercial real estate: Owner occupied
Risk ratings 1-3			$	2,627					$	4,178					$	8,979					$	1,433					$	10,697					$	16,331					$	838					$	—					$	45,083
Risk rating 4			17,653						34,711						20,676						28,358						37,301						26,896						1,907						—						167,502
Risk rating 5			1,497						193						452						1,259						69						1,369						372						—						5,211
Risk rating 6			—						2,060						304						—						73						—						—						—						2,437
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	21,777					$	41,142					$	30,411					$	31,050					$	48,140					$	44,596					$	3,117					$	—					$	220,233
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate: Non-owner occupied
Risk ratings 1-3			$	2,564					$	283					$	729					$	6,060					$	5,651					$	65					$	139					$	—					$	15,491
Risk rating 4			25,717						8,233						26,229						54,700						34,622						29,205						1,490						—						180,196
Risk rating 5			220						9,565						7,620						935						1,629						7,497						466						—						27,932
Risk rating 6			—						—						988						—						—						46						—						—						1,034
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	28,501					$	18,081					$	35,566					$	61,695					$	41,902					$	36,813					$	2,095					$	—					$	224,653
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			September 30, 2025
			2025						2024						2023						2022						2021						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Commercial real estate: 1-4 family investor
Risk ratings 1-3			$	477					$	1,135					$	226					$	2,679					$	959					$	1,432					$	2,857					$	—					$	9,765
Risk rating 4			10,725						8,790						7,848						8,175						27,307						14,141						7,175						—						84,161
Risk rating 5			—						—						139						219						—						123						—						—						481
Risk rating 6			—						—						521						—						—						43						—						—						564
Risk rating 7			—						—						3,000						—						—						—						—						—						3,000
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	11,202					$	9,925					$	11,734					$	11,073					$	28,266					$	15,739					$	10,032					$	—					$	97,971
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate: Multifamily
Risk ratings 1-3			$	—					$	992					$	2,378					$	1,627					$	874					$	1,167					$	188					$	—					$	7,226
Risk rating 4			16,633						4,466						1,893						20,533						10,235						19,371						137						—						73,268
Risk rating 5			—						484						—						—						—						2,807						—						—						3,291
Risk rating 6			—						—						—						—						—						—						—						—						—
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	16,633					$	5,942					$	4,271					$	22,160					$	11,109					$	23,345					$	325					$	—					$	83,785
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Advances to mortgage brokers
Risk ratings 1-3			$	5,056					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	5,056
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Agricultural mortgage
Risk ratings 1-3			$	2,169					$	729					$	—					$	3,026					$	2,000					$	4,067					$	35					$	—					$	12,026
Risk rating 4			2,544						4,039						3,934						11,242						6,029						12,025						1,681						—						41,494
Risk rating 5			550						271						1,097						511						5,836						645						1,048						—						9,958
Risk rating 6			535						—						—						2,127						69						1,517						—						—						4,248
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	5,798					$	5,039					$	5,031					$	16,906					$	13,934					$	18,254					$	2,764					$	—					$	67,726
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Agricultural other
Risk ratings 1-3			$	874					$	617					$	434					$	677					$	221					$	385					$	2,989					$	—					$	6,197
Risk rating 4			1,682						864						769						830						576						89						9,970						—						14,780
Risk rating 5			206						244						133						31						910						391						2,282						—						4,197
Risk rating 6			3,625						—						103						—						61						—						1,105						—						4,894
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	6,387					$	1,725					$	1,439					$	1,538					$	1,768					$	865					$	16,346					$	—					$	30,068
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			December 31, 2024
			2024						2023						2022						2021						2020						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Commercial and industrial: Secured
Risk ratings 1-3			$	11,081					$	10,173					$	2,352					$	4,483					$	4,437					$	368					$	10,316					$	—					$	43,210
Risk rating 4			27,530						20,886						14,240						11,014						1,867						2,144						28,109						—						105,790
Risk rating 5			3,627						559						11,644						164						137						53						6,626						—						22,810
Risk rating 6			126						288						1,841						71						—						10						3,093						—						5,429
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	42,364					$	31,906					$	30,077					$	15,732					$	6,441					$	2,575					$	48,144					$	—					$	177,239
2024 year-to-date gross charge-offs			$	—					$	277					$	33					$	—					$	17					$	—					$	—					$	—					$	327
Commercial and industrial: Unsecured
Risk ratings 1-3			$	378					$	1,967					$	203					$	69					$	48					$	414					$	1,966					$	—					$	5,045
Risk rating 4			3,073						2,049						2,388						268						370						—						8,896						—						17,044
Risk rating 5			100						—						—						121						—						—						1,074						—						1,295
Risk rating 6			—						—						—						—						—						—						—						—						—
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	3,551					$	4,016					$	2,591					$	458					$	418					$	414					$	11,936					$	—					$	23,384
2024 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	8					$	1					$	—					$	9
Commercial real estate: Owner occupied
Risk ratings 1-3			$	4,185					$	8,933					$	1,994					$	11,617					$	13,300					$	4,421					$	221					$	—					$	44,671
Risk rating 4			34,980						21,586						32,319						39,439						9,924						20,260						1,626						—						160,134
Risk rating 5			197						487						876						72						653						791						372						—						3,448
Risk rating 6			1,354						1,123						—						636						1,117						504						99						—						4,833
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	40,716					$	32,129					$	35,189					$	51,764					$	24,994					$	25,976					$	2,318					$	—					$	213,086
2024 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate: Non-owner occupied
Risk ratings 1-3			$	644					$	795					$	5,994					$	5,178					$	348					$	1,781					$	—					$	—					$	14,740
Risk rating 4			8,413						42,135						61,524						36,702						4,399						29,225						497						—						182,895
Risk rating 5			9,726						—						218						1,681						6,154						709						500						—						18,988
Risk rating 6			—						1,006						—						—						50						—						—						—						1,056
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	18,783					$	43,936					$	67,736					$	43,561					$	10,951					$	31,715					$	997					$	—					$	217,679
2024 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			December 31, 2024
			2024						2023						2022						2021						2020						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Commercial real estate: 1-4 family investor
Risk ratings 1-3			$	1,165					$	—					$	2,632					$	791					$	846					$	965					$	3,076					$	—					$	9,475
Risk rating 4			9,399						12,535						8,911						28,666						13,930						3,640						4,750						—						81,831
Risk rating 5			—						145						339						72						—						52						—						—						608
Risk rating 6			—						536						—						—						—						47						—						—						583
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	10,564					$	13,216					$	11,882					$	29,529					$	14,776					$	4,704					$	7,826					$	—					$	92,497
2024 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate: Multifamily
Risk ratings 1-3			$	638					$	3,383					$	1,697					$	936					$	545					$	746					$	150					$	—					$	8,095
Risk rating 4			2,081						1,957						21,446						11,646						664						19,617						64						—						57,475
Risk rating 5			—						—						—						—						—						—						—						—						—
Risk rating 6			—						—						—						—						—						2,886						—						—						2,886
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	2,719					$	5,340					$	23,143					$	12,582					$	1,209					$	23,249					$	214					$	—					$	68,456
2024 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Advances to mortgage brokers
Risk ratings 1-3			$	63,080					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	63,080
2024 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Agricultural mortgage
Risk ratings 1-3			$	792					$	—					$	2,700					$	2,144					$	2,550					$	1,250					$	34					$	—					$	9,470
Risk rating 4			4,410						4,118						12,959						6,968						5,737						8,586						1,322						—						44,100
Risk rating 5			281						1,521						1,342						5,757						—						1,364						1,045						—						11,310
Risk rating 6			60						—						1,550						—						—						1,060						—						—						2,670
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	5,543					$	5,639					$	18,551					$	14,869					$	8,287					$	12,260					$	2,401					$	—					$	67,550
2024 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Agricultural other
Risk ratings 1-3			$	634					$	523					$	106					$	137					$	2					$	210					$	3,635					$	—					$	5,247
Risk rating 4			1,940						1,328						1,863						1,893						463						550						13,531						—						21,568
Risk rating 5			1,683						—						—						—						438						—						608						—						2,729
Risk rating 6			—						172						—						90						—						—						2,338						—						2,600
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	4,257					$	2,023					$	1,969					$	2,120					$	903					$	760					$	20,112					$	—					$	32,144
2024 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Schedule of Residential Real Estate and Consumer Loan Segments by Year of Origination

The following tables display residential real estate and consumer loans by payment status and year of origination as of:

			September 30, 2025
			2025						2024						2023						2022						2021						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Residential real estate: Senior lien
Current			$	51,300					$	49,468					$	37,117					$	43,219					$	68,435					$	98,849					$	—					$	9,746					$	358,134
Past due 30-89 days			—						—						—						—						—						176						—						—						176
Past due 90 or more days			—						—						—						18						—						—						—						—						18
Nonaccrual			—						—						—						—						180						247						—						—						427
Total			$	51,300					$	49,468					$	37,117					$	43,237					$	68,615					$	99,272					$	—					$	9,746					$	358,755
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	1					$	—					$	—					$	1
Residential real estate: Junior lien
Current			$	3,671					$	3,681					$	2,317					$	603					$	94					$	308					$	—					$	—					$	10,674
Past due 30-89 days			—						—						—						—						—						—						—						—						—
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	3,671					$	3,681					$	2,317					$	603					$	94					$	308					$	—					$	—					$	10,674
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Residential real estate: Home equity lines of credit
Current			$	—					$	—					$	—					$	—					$	—					$	—					$	42,585					$	42					$	42,627
Past due 30-89 days			—						—						—						—						—						—						—						—						—
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	—					$	—					$	—					$	—					$	—					$	—					$	42,585					$	42					$	42,627
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Consumer: Secured - direct
Current			$	6,776					$	6,952					$	6,301					$	4,560					$	2,576					$	2,780					$	—					$	—					$	29,945
Past due 30-89 days			—						—						7						—						—						—						—						—						7
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	6,776					$	6,952					$	6,308					$	4,560					$	2,576					$	2,780					$	—					$	—					$	29,952
2025 year-to-date gross charge-offs			$	2					$	3					$	93					$	38					$	9					$	53					$	—					$	—					$	198
Consumer: Secured - indirect
Current			$	2,500					$	4,904					$	16,456					$	5,670					$	3,891					$	5,431					$	—					$	—					$	38,852
Past due 30-89 days			—						—						—						—						18						52						—						—						70
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	2,500					$	4,904					$	16,456					$	5,670					$	3,909					$	5,483					$	—					$	—					$	38,922
2025 year-to-date gross charge-offs			$	—					$	8					$	—					$	—					$	—					$	13					$	—					$	—					$	21

			September 30, 2025
			2025						2024						2023						2022						2021						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Consumer: Unsecured
Current			$	1,302					$	867					$	256					$	47					$	9					$	—					$	862					$	—					$	3,343
Past due 30-89 days			4						4						—						—						—						—						—						—						8
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	1,306					$	871					$	256					$	47					$	9					$	—					$	862					$	—					$	3,351
2025 year-to-date gross charge-offs			$	427					$	4					$	12					$	1					$	1					$	—					$	—					$	—					$	445

			December 31, 2024
			2024						2023						2022						2021						2020						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Residential real estate: Senior lien
Current			$	55,991					$	35,105					$	45,916					$	73,607					$	47,057					$	62,303					$	—					$	8,579					$	328,558
Past due 30-89 days			173						162						331						287						907						2,043						—						—						3,903
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						163						28						91						—						—						282
Total			$	56,164					$	35,267					$	46,247					$	74,057					$	47,992					$	64,437					$	—					$	8,579					$	332,743
2024 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	10					$	—					$	—					$	10
Residential real estate: Junior lien
Current			$	4,229					$	3,092					$	800					$	86					$	71					$	358					$	—					$	—					$	8,636
Past due 30-89 days			—						—						—						19						—						—						—						—						19
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	4,229					$	3,092					$	800					$	105					$	71					$	358					$	—					$	—					$	8,655
2024 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Residential real estate: Home equity lines of credit
Current			$	—					$	—					$	—					$	—					$	—					$	—					$	39,464					$	—					$	39,464
Past due 30-89 days			—						—						—						—						—						—						10						—						10
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	—					$	—					$	—					$	—					$	—					$	—					$	39,474					$	—					$	39,474
2024 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Consumer: Secured - direct
Current			$	10,990					$	9,498					$	6,535					$	3,947					$	2,166					$	1,880					$	—					$	—					$	35,016
Past due 30-89 days			—						—						15						—						—						—						—						—						15
Past due 90 or more days			—						—						—						—						19						—						—						—						19
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	10,990					$	9,498					$	6,550					$	3,947					$	2,185					$	1,880					$	—					$	—					$	35,050
2024 year-to-date gross charge-offs			$	—					$	73					$	—					$	—					$	27					$	2					$	—					$	—					$	102

			December 31, 2024
			2024						2023						2022						2021						2020						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Consumer: Secured - indirect
Current			$	6,526					$	22,624					$	7,682					$	4,990					$	4,018					$	3,064					$	—					$	—					$	48,904
Past due 30-89 days			42						51						50						28						54						7						—						—						232
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	6,568					$	22,675					$	7,732					$	5,018					$	4,072					$	3,071					$	—					$	—					$	49,136
2024 year-to-date gross charge-offs			$	—					$	43					$	—					$	—					$	—					$	—					$	—					$	—					$	43
Consumer: Unsecured
Current			$	1,654					$	656					$	211					$	22					$	16					$	—					$	835					$	—					$	3,394
Past due 30-89 days			—						—						2						—						—						—						2						—						4
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	1,654					$	656					$	213					$	22					$	16					$	—					$	837					$	—					$	3,398
2024 year-to-date gross charge-offs			$	1,939					$	12					$	21					$	—					$	—					$	1					$	21					$	—					$	1,994

Financing Receivable, Modified

The following is a summary of the amortized cost basis of loan modifications granted to borrowers experiencing financial difficulty for the:

			Three Months Ended September 30, 2025
			Other-Than-Insignificant Payment Delay												Term Extension												Other-Than-Insignificant Payment Delay and Term Extension
			Amortized Cost Basis						% of Total Class of Financial Receivable						Amortized Cost Basis						% of Total Class of Financial Receivable						Amortized Cost Basis						% of Total Class of Financial Receivable
Commercial and industrial
Secured			$	—					0.00		%				$	—					0.00		%				$	443					0.18		%
Agricultural
Agricultural mortgage			914						1.35		%				—						0.00		%				—						0.00		%
Agricultural other			—						0.00		%				925						3.08		%				—						0.00		%
Total			$	914											$	925											$	443

			Nine Months Ended September 30, 2025
			Interest Rate Reduction												Other-Than-Insignificant Payment Delay												Term Extension												Other-Than-Insignificant Payment Delay and Term Extension
			Amortized Cost Basis						% of Total Class of Financial Receivable						Amortized Cost Basis						% of Total Class of Financial Receivable						Amortized Cost Basis						% of Total Class of Financial Receivable						Amortized Cost Basis						% of Total Class of Financial Receivable
Commercial and industrial
Secured			$	19					0.01		%				$	—					0.00		%				$	3,087					1.26		%				$	1,006					0.41		%
Commercial real estate
Commercial mortgage owner occupied			—						0.00		%				—						0.00		%				1,497						0.84		%				—						0.00		%
Agricultural
Agricultural mortgage			—						0.00		%				914						1.35		%				—						0.00		%				—						0.00		%
Agricultural other			—						0.00		%				—						0.00		%				925						3.08		%				—						0.00		%
Total			$	19											$	914											$	5,509											$	1,006

			Three Months Ended September 30, 2024
			Interest Rate Reduction
			Amortized Cost Basis						% of Total Class of Financial Receivable
Agricultural
Agricultural other			$	181					0.60		%
Total			$	181

			Nine Months Ended September 30, 2024
			Interest Rate Reduction												Other-Than-Insignificant Payment Delay												Term Extension												Other-Than-Insignificant Payment Delay and Term Extension
			Amortized Cost Basis						% of Total Class of Financial Receivable						Amortized Cost Basis						% of Total Class of Financial Receivable						Amortized Cost Basis						% of Total Class of Financial Receivable						Amortized Cost Basis						% of Total Class of Financial Receivable
Commercial and industrial
Secured			$	—					0.00		%				$	1,926					0.88		%				$	11					0.01		%				$	—					0.00		%
Commercial real estate
Commercial mortgage owner occupied			—						0.00		%				823						0.48		%				—						0.00		%				—						0.00		%
Agricultural
Agricultural mortgage			—						0.00		%				1,305						1.95		%				—						0.00		%				—						0.00		%
Agricultural other			181						0.60		%				—						0.00		%				—						0.00		%				1,038						3.46		%
Consumer
Secured - indirect			—						0.00		%				—						0.00		%				1						0.00		%				—						0.00		%
Total			$	181											$	4,054											$	12											$	1,038

Effects of Loan Modifications for Borrowers Experiencing Financial Difficulty

The following is a summary of the financial effect of the modifications granted to borrowers experiencing financial difficulty for the:

Three Months Ended September 30

2025

2024

Payment Delay Term

Weighted-Average Term Extension (Years)

Weighted-Average Interest Rate Reduction

Commercial and industrial

Secured

6 months

1.08

N/A

Agricultural

Agricultural mortgage

4 months

N/A

N/A

Agricultural other

N/A

0.50

0.50%

Nine Months Ended September 30

2025

2024

Weighted-Average Interest Rate Reduction

Payment Delay Term

Weighted-Average Term Extension (Years)

Weighted-Average Interest Rate Reduction

Payment Delay Term

Weighted-Average Term Extension (Years)

Commercial and industrial

Secured

10.00%

8.1 months

1.05

N/A

4 months

3.00

Commercial real estate

Commercial mortgage owner occupied

N/A

N/A

15.00

N/A

7 months

N/A

Agricultural

Agricultural mortgage

N/A

4 months

N/A

N/A

5 months

0.50

Agricultural other

N/A

N/A

0.50

0.50%

4 months

0.33

Consumer

Secured - indirect

N/A

N/A

N/A

N/A

N/A

1.33

Financing Receivable, Modified, Past Due

The following tables summarize the amortized cost basis of loans that have been modified within the past 12 months prior to:

			September 30, 2025
			Current						30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total
Commercial and industrial
Secured			$	4,114					$	—					$	—					$	—					$	4,114
Commercial real estate
Commercial mortgage owner occupied			2,832						—						—						—						2,832
Agricultural
Agricultural mortgage			1,185						—						—						—						1,185
Agricultural other			925						—						—						—						925
Total			$	9,056					$	—					$	—					$	—					$	9,056

			September 30, 2024
			Current						30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total
Commercial and industrial
Secured			$	1,937					$	—					$	—					$	—					$	1,937
Commercial real estate
Commercial mortgage owner occupied			823						—						—						—						823
Commercial mortgage multifamily			2,917						—						—						—						2,917
Agricultural
Agricultural mortgage			1,305						—						—						—						1,305
Agricultural other			1,219						—						—						—						1,219
Consumer
Secured - indirect			1						—						—						—						1
Total			$	8,202					$	—					$	—					$	—					$	8,202

Allowance for Credit Losses

A summary of activity in the ACL for loans, excluding unfunded commitments, by portfolio segment and the recorded investment in loans by segments follows for the:

			Three Months Ended September 30, 2025
			Commercial and Industrial						Commercial Real Estate						Agricultural						Residential Real Estate						Consumer						Total
June 30, 2025			$	1,318					$	5,277					$	316					$	4,673					$	1,393					$	12,977
Charge-offs			—						—						—						—						(175)						(175)
Recoveries			6						4						—						16						75						101
Provision for credit losses			29						102						1						107						7						246
September 30, 2025			$	1,353					$	5,383					$	317					$	4,796					$	1,300					$	13,149

			Nine Months Ended September 30, 2025
			Commercial and Industrial						Commercial Real Estate						Agricultural						Residential Real Estate						Consumer						Total
December 31, 2024			$	1,316					$	5,171					$	287					$	4,521					$	1,600					$	12,895
Charge-offs			(72)						—						—						(1)						(664)						(737)
Recoveries			90						56						—						46						1,955						2,147
Reversal of credit losses			19						156						30						230						(1,591)						(1,156)
September 30, 2025			$	1,353					$	5,383					$	317					$	4,796					$	1,300					$	13,149

			Three Months Ended September 30, 2024
			Commercial and Industrial						Commercial Real Estate						Agricultural						Residential Real Estate						Consumer						Total
June 30, 2024			$	1,264					$	5,569					$	258					$	4,351					$	1,653					$	13,095
Charge-offs			—						—						—						—						(1,767)						(1,767)
Recoveries			6						318						—						20						64						408
Provision for credit losses			(46)						(710)						—						(40)						1,695						899
September 30, 2024			$	1,224					$	5,177					$	258					$	4,331					$	1,645					$	12,635

			Nine Months Ended September 30, 2024
			Commercial and Industrial						Commercial Real Estate						Agricultural						Residential Real Estate						Consumer						Total
December 31, 2023			$	968					$	5,878					$	270					$	4,336					$	1,656					$	13,108
Charge-offs			(336)						—						—						(10)						(2,139)						(2,485)
Recoveries			10						353						2						112						210						687
Provision for credit losses			582						(1,054)						(14)						(107)						1,918						1,325
September 30, 2024			$	1,224					$	5,177					$	258					$	4,331					$	1,645					$	12,635

Financing Receivable, Allowance for Credit Loss, Allocation

The following table illustrates the two main components of the ACL as of:

			September 30 2025						June 30 2025						March 31 2025						December 31 2024						September 30 2024
ACL
Individually evaluated			$	—					$	—					$	—					$	—					$	—
Collectively evaluated			13,149						12,977						12,735						12,895						12,635
Total			$	13,149					$	12,977					$	12,735					$	12,895					$	12,635
ACL to gross loans
Individually evaluated			0.00		%				0.00		%				0.00		%				0.00		%				0.00		%
Collectively evaluated			0.92		%				0.93		%				0.93		%				0.91		%				0.89		%
Total			0.92		%				0.93		%				0.93		%				0.91		%				0.89		%

Individually Evaluated Collateral Dependent and Specific ACL

The following table presents loans that were evaluated for expected credit losses on an individual basis and the related specific allocations, by loan segment as of:

			September 30, 2025												December 31, 2024
			Loan Balance						Specific Allocation						Loan Balance						Specific Allocation
Commercial and industrial			$	—					$	—					$	—					$	—
Commercial real estate			3,000						—						—						—
Agricultural			—						—						—						—
Residential real estate			426						—						254						—
Consumer			—						—						—						—
Total			$	3,426					$	—					$	254					$	—

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