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Loans and ACL (Tables)

12 Months Ended

Dec. 31, 2025

Receivables [Abstract]

Loan Composition

The following table provides a detailed listing of our loan portfolio at December 31:

			2025												2024
			Balance						Percent of Total						Balance						Percent of Total
Commercial and industrial
Secured			$	189,071					12.31		%				$	177,239					12.45		%
Unsecured			31,379						2.04		%				23,384						1.64		%
Total commercial and industrial			220,450						14.35		%				200,623						14.09		%
Commercial real estate
Commercial mortgage owner occupied			229,906						14.96		%				213,086						14.97		%
Commercial mortgage non-owner occupied			223,984						14.58		%				217,679						15.29		%
Commercial mortgage 1-4 family investor			101,400						6.60		%				92,497						6.50		%
Commercial mortgage multifamily			84,468						5.50		%				68,456						4.81		%
Total commercial real estate			639,758						41.64		%				591,718						41.57		%
Advances to mortgage brokers			76,676						4.99		%				63,080						4.43		%
Agricultural
Agricultural mortgage			69,769						4.54		%				67,550						4.75		%
Agricultural other			32,340						2.11		%				32,144						2.26		%
Total agricultural			102,109						6.65		%				99,694						7.01		%
Residential real estate
Senior lien			372,287						24.23		%				332,743						23.37		%
Junior lien			10,970						0.71		%				8,655						0.61		%
Home equity lines of credit			44,623						2.91		%				39,474						2.77		%
Total residential real estate			427,880						27.85		%				380,872						26.75		%
Consumer
Secured - direct			28,648						1.86		%				35,050						2.46		%
Secured - indirect			37,456						2.44		%				49,136						3.45		%
Unsecured			3,387						0.22		%				3,398						0.24		%
Total consumer			69,491						4.52		%				87,584						6.15		%
Total			$	1,536,364					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 December 31:

			2025												2024
			Total Nonaccrual Loans						Nonaccrual Loans with No ACL						Total Nonaccrual Loans						Nonaccrual Loans with No ACL
Commercial and industrial
Secured			$	442					$	347					$	—					$	—
Commercial real estate
Commercial mortgage owner occupied			766						602						—						—
Commercial mortgage 1-4 family investor			3,000						3,000						—						—
Residential real estate
Senior lien			370						370						282						282
Total			$	4,578					$	4,319					$	282					$	282

Summary of Past Due Loans

The following tables summarize the past due and current loans for the entire loan portfolio as of December 31:

			2025
			Past Due:
			30-59 Days						60-89 Days						90 Days or More						Current						Total						Accruing Loans 90 or More Days Past Due
Commercial and industrial
Secured			$	121					$	443					$	—					$	188,507					$	189,071					$	—
Unsecured			—						—						—						31,379						31,379						—
Total commercial and industrial			121						443						—						219,886						220,450						—
Commercial real estate
Commercial mortgage owner occupied			—						766						—						229,140						229,906						—
Commercial mortgage non-owner occupied			839						—						—						223,145						223,984						—
Commercial mortgage 1-4 family investor			67						—						3,000						98,333						101,400						—
Commercial mortgage multifamily			—						—						—						84,468						84,468						—
Total commercial real estate			906						766						3,000						635,086						639,758						—
Advances to mortgage brokers			—						—						—						76,676						76,676						—
Agricultural
Agricultural mortgage			—						—						—						69,769						69,769						—
Agricultural other			60						—						—						32,280						32,340						—
Total agricultural			60						—						—						102,049						102,109						—
Residential real estate
Senior lien			5,012						385						—						366,890						372,287						—
Junior lien			12						—						—						10,958						10,970						—
Home equity lines of credit			115						—						—						44,508						44,623						—
Total residential real estate			5,139						385						—						422,356						427,880						—
Consumer
Secured - direct			21						—						—						28,627						28,648						—
Secured - indirect			284						30						—						37,142						37,456						—
Unsecured			1						5						—						3,381						3,387						—
Total consumer			306						35						—						69,150						69,491						—
Total			$	6,532					$	1,629					$	3,000					$	1,525,203					$	1,536,364					$	—

			2024
			Past Due:
			30-59 Days						60-89 Days						90 Days or More						Current						Total						Accruing Loans 90 or More Days Past Due
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 December 31:

			2025
			2025						2024						2023						2022						2021						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Commercial and industrial: Secured
Risk ratings 1-3			$	257					$	10,256					$	8,605					$	1,841					$	3,660					$	2,471					$	36,713					$	—					$	63,803
Risk rating 4			20,722						19,606						13,553						5,939						5,653						1,278						30,804						—						97,555
Risk rating 5			2,271						2,290						139						15,215						45						—						4,085						—						24,045
Risk rating 6			81						75						19						—						30						6						3,015						—						3,226
Risk rating 7			—						442						—						—						—						—						—						—						442
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	23,331					$	32,669					$	22,316					$	22,995					$	9,388					$	3,755					$	74,617					$	—					$	189,071
2025 year-to-date gross charge-offs			$	—					$	—					$	22					$	11					$	—					$	—					$	—					$	—					$	33
Commercial and industrial: Unsecured
Risk ratings 1-3			$	867					$	25					$	2,165					$	156					$	10					$	312					$	3,302					$	—					$	6,837
Risk rating 4			11,882						955						813						1,240						188						274						7,080						—						22,432
Risk rating 5			2						—						61						—						476						—						1,488						—						2,027
Risk rating 6			—						83						—						—						—						—						—						—						83
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	12,751					$	1,063					$	3,039					$	1,396					$	674					$	586					$	11,870					$	—					$	31,379
2025 year-to-date gross charge-offs			$	—					$	50					$	—					$	—					$	—					$	—					$	—					$	—					$	50
Commercial real estate: Owner occupied
Risk ratings 1-3			$	5,021					$	4,101					$	8,467					$	1,385					$	17,482					$	16,095					$	1,419					$	—					$	53,970
Risk rating 4			33,004						33,403						20,559						27,541						26,605						23,021						2,380						—						166,513
Risk rating 5			1,687						192						557						1,149						131						2,866						372						—						6,954
Risk rating 6			—						1,327						304						—						72						—						—						—						1,703
Risk rating 7			—						766						—						—						—						—						—						—						766
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	39,712					$	39,789					$	29,887					$	30,075					$	44,290					$	41,982					$	4,171					$	—					$	229,906
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate: Non-owner occupied
Risk ratings 1-3			$	3,346					$	273					$	4,996					$	5,910					$	9,132					$	3,360					$	102					$	—					$	27,119
Risk rating 4			26,715						7,300						21,512						44,632						31,180						26,464						1,595						—						159,398
Risk rating 5			249						9,938						7,641						10,192						1,612						6,343						466						—						36,441
Risk rating 6			—						—						982						—						—						44						—						—						1,026
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	30,310					$	17,511					$	35,131					$	60,734					$	41,924					$	36,211					$	2,163					$	—					$	223,984
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			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			$	615					$	764					$	225					$	2,631					$	1,445					$	1,126					$	3,068					$	—					$	9,874
Risk rating 4			15,675						9,486						7,180						7,873						26,081						13,609						6,983						—						86,887
Risk rating 5			269						—						137						216						—						122						338						—						1,082
Risk rating 6			—						—						515						—						—						42						—						—						557
Risk rating 7			—						—						3,000						—						—						—						—						—						3,000
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	16,559					$	10,250					$	11,057					$	10,720					$	27,526					$	14,899					$	10,389					$	—					$	101,400
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate: Multifamily
Risk ratings 1-3			$	—					$	885					$	363					$	1,603					$	852					$	1,099					$	288					$	—					$	5,090
Risk rating 4			20,842						5,030						957						18,892						10,087						19,158						220						—						75,186
Risk rating 5			—						480						914						—						—						2,798						—						—						4,192
Risk rating 6			—						—						—						—						—						—						—						—						—
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	20,842					$	6,395					$	2,234					$	20,495					$	10,939					$	23,055					$	508					$	—					$	84,468
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Advances to mortgage brokers
Risk ratings 1-3			$	76,676					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	76,676
Current year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Agricultural mortgage
Risk ratings 1-3			$	2,647					$	714					$	419					$	2,993					$	1,990					$	3,945					$	338					$	—					$	13,046
Risk rating 4			4,426						4,098						3,449						11,231						5,864						11,802						1,642						—						42,512
Risk rating 5			852						269						1,083						418						5,829						622						952						—						10,025
Risk rating 6			535						—						—						2,068						69						1,514						—						—						4,186
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	8,460					$	5,081					$	4,951					$	16,710					$	13,752					$	17,883					$	2,932					$	—					$	69,769
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Agricultural other
Risk ratings 1-3			$	860					$	503					$	434					$	671					$	221					$	277					$	4,054					$	—					$	7,020
Risk rating 4			2,055						801						738						610						483						62						11,202						—						15,951
Risk rating 5			881						55						133						17						889						391						2,308						—						4,674
Risk rating 6			3,476						—						88						—						61						—						1,070						—						4,695
Risk rating 7			—						—						—						—						—						—						—						—						—
Risk rating 8			—						—						—						—						—						—						—						—						—
Risk rating 9			—						—						—						—						—						—						—						—						—
Total			$	7,272					$	1,359					$	1,393					$	1,298					$	1,654					$	730					$	18,634					$	—					$	32,340
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			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					$	—					$	38					$	—					$	—					$	—					$	348
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					$	25					$	—					$	33
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			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

			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 December 31:

			2025
			2025						2024						2023						2022						2021						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Residential real estate: Senior lien
Current			$	72,854					$	43,102					$	35,251					$	42,022					$	65,769					$	93,563					$	—					$	14,223					$	366,784
Past due 30-89 days			112						284						633						774						830						2,500						—						—						5,133
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						179						191						—						—						370
Total			$	72,966					$	43,386					$	35,884					$	42,796					$	66,778					$	96,254					$	—					$	14,223					$	372,287
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	1					$	—					$	—					$	1
Residential real estate: Junior lien
Current			$	4,786					$	3,252					$	2,075					$	507					$	67					$	271					$	—					$	—					$	10,958
Past due 30-89 days			—						12						—						—						—						—						—						—						12
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	4,786					$	3,264					$	2,075					$	507					$	67					$	271					$	—					$	—					$	10,970
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Residential real estate: Home equity lines of credit
Current			$	—					$	—					$	—					$	—					$	—					$	—					$	44,467					$	41					$	44,508
Past due 30-89 days			—						—						—						—						—						—						115						—						115
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	—					$	—					$	—					$	—					$	—					$	—					$	44,582					$	41					$	44,623
2025 year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Consumer: Secured - direct
Current			$	7,870					$	6,374					$	5,501					$	4,088					$	2,238					$	2,556					$	—					$	—					$	28,627
Past due 30-89 days			—						—						11						9						—						1						—						—						21
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	7,870					$	6,374					$	5,512					$	4,097					$	2,238					$	2,557					$	—					$	—					$	28,648
2025 year-to-date gross charge-offs			$	19					$	15					$	93					$	38					$	9					$	53					$	—					$	—					$	227
Consumer: Secured - indirect
Current			$	4,327					$	4,457					$	14,532					$	5,133					$	3,609					$	5,084					$	—					$	—					$	37,142
Past due 30-89 days			—						82						198						—						—						34						—						—						314
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	4,327					$	4,539					$	14,730					$	5,133					$	3,609					$	5,118					$	—					$	—					$	37,456
2025 year-to-date gross charge-offs			$	—					$	8					$	—					$	—					$	—					$	13					$	—					$	—					$	21

			2025
			2025						2024						2023						2022						2021						Prior						Revolving Loans						Revolving Loans Converted to Term						Total
Consumer: Unsecured
Current			$	1,686					$	689					$	171					$	34					$	5					$	—					$	796					$	—					$	3,381
Past due 30-89 days			5						—						—						—						—						—						1						—						6
Past due 90 or more days			—						—						—						—						—						—						—						—						—
Nonaccrual			—						—						—						—						—						—						—						—						—
Total			$	1,691					$	689					$	171					$	34					$	5					$	—					$	797					$	—					$	3,387
2025 year-to-date gross charge-offs			$	540					$	4					$	14					$	1					$	1					$	—					$	—					$	—					$	560

			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
2025 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
2025 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
2025 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
2025 year-to-date gross charge-offs			$	16					$	93					$	9					$	—					$	27					$	8					$	—					$	—					$	153

			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
2025 year-to-date gross charge-offs			$	—					$	67					$	64					$	—					$	—					$	3					$	—					$	—					$	134
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
2025 year-to-date gross charge-offs			$	2,047					$	15					$	21					$	—					$	—					$	2					$	21					$	—					$	2,106

Financing Receivables Modified

The following is a summary of the amortized cost basis of loan modifications granted to borrowers experiencing financial difficulty for the years ended December 31:

			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			$	18					0.01		%				$	—					0.00		%				$	3,144					1.66		%				$	975					0.52		%
Commercial real estate
Commercial mortgage owner occupied			—						0.00		%				—						0.00		%				1,483						0.65		%				—						0.00		%
Agricultural
Agricultural mortgage			—						0.00		%				1,389						1.99		%				—						0.00		%				—						0.00		%
Agricultural other			—						0.00		%				—						0.00		%				776						2.40		%				—						0.00		%
Residential real estate
Senior lien			—						0.00		%				85						0.02		%				—						0.00		%				—						0.00		%
Total			$	18											$	1,474											$	5,403											$	975

			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		%				$	1,782					0.80		%				$	10					0.00		%				$	—					0.00		%
Commercial real estate
Commercial mortgage owner occupied			—						0.00		%				818						0.46		%				1,353						0.76		%				—						0.00		%
Agricultural
Agricultural mortgage			—						0.00		%				1,305						1.93		%				281						0.42		%				—						0.00		%
Agricultural other			132						0.41		%				—						0.00		%				—						0.00		%				1,107						3.44		%
Consumer
Secured - indirect			—						0.00		%				—						0.00		%				1						0.00		%				—						0.00		%
Total			$	132											$	3,905											$	1,645											$	1,107

Effects of Loan Modifications for Borrowers Experiencing Financial Difficulty

The following tables summarize the financial effect of the modifications granted to borrowers experiencing financial difficulty for the years ended December 31:

2025

Payment Delay Term

Weighted-Average Interest Rate Reduction

Weighted-Average Term Extension (Years)

Commercial and industrial

Secured

8 months

10.00%

1.03

Commercial real estate

Commercial mortgage owner occupied

N/A

N/A

15.00

Agricultural

Agricultural mortgage

4 months

N/A

N/A

Agricultural other

N/A

N/A

0.50

Residential real estate

Senior lien

6 months

N/A

N/A

2024

Payment Delay Term

Weighted-Average Interest Rate Reduction

Weighted-Average Term Extension (Years)

Commercial and industrial

Secured

4 months

N/A

3.00

Commercial real estate

Commercial mortgage owner occupied

7 months

N/A

3.00

Agricultural

Agricultural mortgage

5 months

N/A

6.27

Agricultural other

4 months

0.50%

0.33

Consumer

Secured - indirect

N/A

N/A

1.33

Financing Receivable, Modified, Past Due

The following tables summarize the performance of such loans that were modified within the past 12 months prior to December 31:

			2025
			Current						30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total
Commercial and industrial
Secured			$	3,252					$	—					$	885					$	—					$	4,137
Commercial real estate
Commercial mortgage owner occupied			1,483						—						—						—						1,483
Agricultural
Agricultural mortgage			1,389						—						—						—						1,389
Agricultural other			776						—						—						—						776
Residential real estate
Senior lien			—						85						—						—						85
Total			$	6,900					$	85					$	885					$	—					$	7,870

			2024
			Current						30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total
Commercial and industrial
Secured			$	1,782					$	10					$	—					$	—					$	1,792
Commercial real estate
Commercial mortgage owner occupied			2,171						—						—						—						2,171
Agricultural
Agricultural mortgage			1,586						—						—						—						1,586
Agricultural other			1,239						—						—						—						1,239
Consumer
Secured - indirect			1						—						—						—						1
Total			$	6,779					$	10					$	—					$	—					$	6,789

Allowance for Credit Losses

A summary of changes in the ACL and the recorded investment in loans by segments are as follows for the years ended December 31:

			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			(83)						—						—						(1)						(808)						(892)
Recoveries			93						60						4						99						2,012						2,268
Provision (reversal) for credit losses			(190)						718						36						440						(1,548)						(544)
December 31, 2025			$	1,136					$	5,949					$	327					$	5,059					$	1,256					$	13,727

			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			(381)						—						—						(10)						(2,393)						(2,784)
Recoveries			42						355						6						128						353						884
Provision (reversal) for credit losses			687						(1,062)						11						67						1,984						1,687
December 31, 2024			$	1,316					$	5,171					$	287					$	4,521					$	1,600					$	12,895

Financing Receivable, Allowance for Credit Loss, Allocation

The following table illustrates the two main components of the ACL as of December 31:

			2025						2024
ACL
Individually evaluated			$	259					$	—
Collectively evaluated			13,468						12,895
Total			$	13,727					$	12,895
ACL to loans
Individually evaluated			0.02		%				0.00		%
Collectively evaluated			0.87		%				0.91		%
Total			0.89		%				0.91		%

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 December 31:

			2025												2024
			Loan Balance						Specific Allocation						Loan Balance						Specific Allocation
Commercial and industrial			$	442					$	95					$	—					$	—
Commercial real estate			3,766						164						—						—
Agricultural			—						—						—						—
Residential real estate			370						—						254						—
Consumer			—						—						—						—
Total			$	4,578					$	259					$	254					$	—

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- Definition

Financing Receivable, Allowance for Credit Loss, Allocation

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No definition available.

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Schedule Of Amortized Cost Balance Of Financial Assets Considered Collateral Dependent

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Schedule of Financial Effects of Loans Held for Investment Modified for Borrowers Experiencing Financial Difficulty

+ References

No definition available.

+ Details

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- Definition

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

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- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

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