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Loans Receivable and Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2024
Loans Receivable and Allowance for Credit Losses [Abstract] |
Composition of the Loan Portfolio |
| December 31, 2024 |  |  | December 31, 2023 |
Real Estate: |  |  |  |  |  |  |  |  |  |  |
Residential | $ | 330,856 |  | 19.3 | % |  | $ | 316,546 |  | 19.7 | %
Commercial |  | 716,875 |  | 41.8 |  |  |  | 675,156 |  | 42.1 |
Agricultural |  | 63,488 |  | 3.7 |  |  |  | 63,859 |  | 4.0 |
Construction |  | 53,020 |  | 3.1 |  |  |  | 51,453 |  | 3.2 |
Commercial loans |  | 211,991 |  | 12.4 |  |  |  | 200,576 |  | 12.5 |
Other agricultural loans |  | 30,077 |  | 1.7 |  |  |  | 31,966 |  | 2.0 |
Consumer loans to individuals |  | 307,775 |  | 18.0 |  |  |  | 264,321 |  | 16.5 |
Total loans |  | 1,714,082 |  | 100.0 | % |  |  | 1,603,877 |  | 100.0 | %
Deferred fees, net |  | (444) |  |  |  |  |  | (259) |  |  |
Total loans receivable |  | 1,713,638 |  |  |  |  |  | 1,603,618 |  |  |
Allowance for credit losses |  | (19,843) |  |  |  |  |  | (18,968) |  |  |
Net loans receivable | $ | 1,693,795 |  |  |  |  | $ | 1,584,650 |  |  |
Summary of Amount of Loans in Each Category that were Individually and Collectively Evaluated for Impairment |
| Real Estate Loans |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  | Commercial |  |  | Other |  | Consumer |  |  |
| Residential |  | Commercial |  |  | Agricultural |  | Construction |  | Loans |  |  | Agricultural |  | Loans |  | Total
| (In thousands)
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 940 |  | $ | 7,197 |  | $ | — |  | $ | — |  | $ | 854 |  | $ | — |  | $ | 1,031 |  | $ | 10,022
Collectively evaluated |  | 329,916 |  |  | 709,678 |  |  | 63,488 |  |  | 53,020 |  |  | 211,137 |  |  | 30,077 |  |  | 306,744 |  |  | 1,704,060
Total Loans | $ | 330,856 |  | $ | 716,875 |  | $ | 63,488 |  | $ | 53,020 |  | $ | 211,991 |  | $ | 30,077 |  | $ | 307,775 |  | $ | 1,714,082
| Real Estate Loans |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  | Commercial |  |  | Other |  | Consumer |  |  |
| Residential |  | Commercial |  |  | Agricultural |  | Construction |  | Loans |  |  | Agricultural |  | Loans |  | Total
| (In thousands)
December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 432 |  | $ | 2,211 |  | $ | — |  | $ | — |  | $ | 4,264 |  | $ | — |  | $ | 715 |  | $ | 7,622
Collectively evaluated |  | 316,114 |  |  | 672,945 |  |  | 63,859 |  |  | 51,453 |  |  | 196,312 |  |  | 31,966 |  |  | 263,606 |  |  | 1,596,255
Total Loans | $ | 316,546 |  | $ | 675,156 |  | $ | 63,859 |  | $ | 51,453 |  | $ | 200,576 |  | $ | 31,966 |  | $ | 264,321 |  | $ | 1,603,877
Summary of Recorded Investment in Loan Classes Based on Payment Activity |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Revolving |  | Revolving |  |
|  |  |  |  | Term Loans Amortized Costs Basis by Origination Year |  | Loans |  | Loans |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Amortized |  | Converted |  |
December 31, 2024 |  |  |  |  |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Cost Basis |  | to Term |  | Total
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  |  |  | $ | 22,842 | $ | 41,384 | $ | 60,194 | $ | 52,712 | $ | 32,161 | $ | 89,965 | $ | 30,658 | $ | - | $ | 329,916
Nonperforming |  |  |  |  |  | - |  | 125 |  | 52 |  | 184 |  | - |  | 560 |  | 19 |  | - |  | 940
Total |  |  |  |  | $ | 22,842 | $ | 41,509 | $ | 60,246 | $ | 52,896 | $ | 32,161 | $ | 90,525 | $ | 30,677 | $ | - | $ | 330,856
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current period gross charge-offs |  |  |  |  | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  |  |  | $ | 28,817 | $ | 12,986 | $ | 9,024 | $ | 431 | $ | - | $ | 144 | $ | 1,618 | $ | - | $ | 53,020
Nonperforming |  |  |  |  |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total |  |  |  |  | $ | 28,817 | $ | 12,986 | $ | 9,024 | $ | 431 | $ | - | $ | 144 | $ | 1,618 | $ | - | $ | 53,020
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current period gross charge-offs |  |  |  |  | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | -
Consumer loans to individuals |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  |  |  | $ | 125,254 | $ | 93,392 | $ | 52,009 | $ | 15,679 | $ | 8,316 | $ | 11,207 | $ | 887 | $ | - | $ | 306,744
Nonperforming |  |  |  |  |  | 97 |  | 401 |  | 377 |  | 114 |  | 26 |  | 16 |  | - |  | - |  | 1,031
Total |  |  |  |  | $ | 125,351 | $ | 93,793 | $ | 52,386 | $ | 15,793 | $ | 8,342 | $ | 11,223 | $ | 887 | $ | - | $ | 307,775
Consumer loans to individuals |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current period gross charge-offs |  |  |  |  | $ | 123 | $ | 511 | $ | 850 | $ | 203 | $ | 87 | $ | 75 | $ | - | $ | - | $ | 1,849
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  |  |  | $ | 176,913 | $ | 147,762 | $ | 121,227 | $ | 68,822 | $ | 40,477 | $ | 101,316 | $ | 33,163 | $ | - | $ | 689,680
Nonperforming |  |  |  |  |  | 97 |  | 526 |  | 429 |  | 298 |  | 26 |  | 576 |  | 19 |  | - |  | 1,971
Total |  |  |  |  | $ | 177,010 | $ | 148,288 | $ | 121,656 | $ | 69,120 | $ | 40,503 | $ | 101,892 | $ | 33,182 | $ | - | $ | 691,651
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Revolving |  | Revolving |  |
|  |  |  |  | Term Loans Amortized Costs Basis by Origination Year |  | Loans |  | Loans |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Amortized |  | Converted |  |
December 31, 2023 |  |  |  |  |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Cost Basis |  | to Term |  | Total
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  |  |  | $ | 27,446 | $ | 62,178 | $ | 57,691 | $ | 35,357 | $ | 16,406 | $ | 87,951 | $ | 29,085 | $ | - | $ | 316,114
Nonperforming |  |  |  |  |  | - |  | - |  | - |  | - |  | 58 |  | 324 |  | 50 |  | - |  | 432
Total |  |  |  |  | $ | 27,446 | $ | 62,178 | $ | 57,691 | $ | 35,357 | $ | 16,464 | $ | 88,275 | $ | 29,135 | $ | - | $ | 316,546
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current period gross charge-offs |  |  |  |  | $ | - | $ | - | $ | - | $ | - | $ | - | $ | 34 | $ | - | $ | - | $ | 34
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  |  |  | $ | 23,500 | $ | 14,906 | $ | 6,791 | $ | 1,599 | $ | 1,829 | $ | 624 | $ | 2,204 | $ | - | $ | 51,453
Nonperforming |  |  |  |  |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total |  |  |  |  | $ | 23,500 | $ | 14,906 | $ | 6,791 | $ | 1,599 | $ | 1,829 | $ | 624 | $ | 2,204 | $ | - | $ | 51,453
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current period gross charge-offs |  |  |  |  | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | -
Consumer loans to individuals |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  |  |  | $ | 127,243 | $ | 76,339 | $ | 24,584 | $ | 14,343 | $ | 10,217 | $ | 9,942 | $ | 938 | $ | - | $ | 263,606
Nonperforming |  |  |  |  |  | 111 |  | 404 |  | 118 |  | 31 |  | 41 |  | 10 |  | - |  | - |  | 715
Total |  |  |  |  | $ | 127,354 | $ | 76,743 | $ | 24,702 | $ | 14,374 | $ | 10,258 | $ | 9,952 | $ | 938 | $ | - | $ | 264,321
Consumer loans to individuals |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current period gross charge-offs |  |  |  |  | $ | 45 | $ | 710 | $ | 200 | $ | 35 | $ | 45 | $ | 28 | $ | 4 | $ | - | $ | 1,067
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  |  |  | $ | 178,189 | $ | 153,423 | $ | 89,066 | $ | 51,299 | $ | 28,452 | $ | 98,517 | $ | 32,227 | $ | - | $ | 631,173
Nonperforming |  |  |  |  |  | 111 |  | 404 |  | 118 |  | 31 |  | 99 |  | 334 |  | 50 |  | - |  | 1,147
Total |  |  |  |  | $ | 178,300 | $ | 153,827 | $ | 89,184 | $ | 51,330 | $ | 28,551 | $ | 98,851 | $ | 32,277 | $ | - | $ | 632,320
Loan Portfolio Summarized by the Past Due Status |
| Current |  | 31-60 Days Past Due |  | 61-90 Days Past Due |  | Greater than 90 Days Past Due and still accruing |  | Non-Accrual |  | Total Past Due and Non-Accrual |  | Total Loans |  |
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | $ | 329,578 |  | $ | 70 |  | $ | 268 |  | $ | — |  | $ | 940 |  | $ | 1,278 |  | $ | 330,856 |  |  |
Commercial |  | 709,821 |  |  | 1,182 |  |  | 129 |  |  | — |  |  | 5,743 |  |  | 7,054 |  |  | 716,875 |  |  |
Agricultural |  | 63,488 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 63,488 |  |  |
Construction |  | 53,009 |  |  | 11 |  |  | — |  |  | — |  |  | — |  |  | 11 |  |  | 53,020 |  |  |
Commercial loans |  | 211,520 |  |  | 194 |  |  | 117 |  |  | 33 |  |  | 127 |  |  | 471 |  |  | 211,991 |  |  |
Other agricultural loans |  | 30,028 |  |  | 49 |  |  | — |  |  | — |  |  | — |  |  | 49 |  |  | 30,077 |  |  |
Consumer loans |  | 305,676 |  |  | 805 |  |  | 263 |  |  | 121 |  |  | 910 |  |  | 2,099 |  |  | 307,775 |  |  |
Total | $ | 1,703,120 |  | $ | 2,311 |  | $ | 777 |  | $ | 154 |  | $ | 7,720 |  | $ | 10,962 |  | $ | 1,714,082 |  |  |
| Current |  | 31-60 Days Past Due |  | 61-90 Days Past Due |  | Greater than 90 Days Past Due and still accruing |  | Non-Accrual |  | Total Past Due and Non-Accrual |  | Total Loans |  |
December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | $ | 315,224 |  | $ | 877 |  | $ | 13 |  | $ | — |  | $ | 432 |  | $ | 1,322 |  | $ | 316,546 |  |  |
Commercial |  | 666,768 |  |  | 6,177 |  |  | — |  |  | — |  |  | 2,211 |  |  | 8,388 |  |  | 675,156 |  |  |
Agricultural |  | 63,732 |  |  | 127 |  |  | — |  |  | — |  |  | — |  |  | 127 |  |  | 63,859 |  |  |
Construction |  | 51,435 |  |  | — |  |  | 18 |  |  | — |  |  | — |  |  | 18 |  |  | 51,453 |  |  |
Commercial loans |  | 192,988 |  |  | 3,170 |  |  | 154 |  |  | — |  |  | 4,264 |  |  | 7,588 |  |  | 200,576 |  |  |
Other agricultural loans |  | 31,959 |  |  | 7 |  |  | — |  |  | — |  |  | — |  |  | 7 |  |  | 31,966 |  |  |
Consumer loans |  | 262,578 |  |  | 865 |  |  | 163 |  |  | — |  |  | 715 |  |  | 1,743 |  |  | 264,321 |  |  |
Total | $ | 1,584,684 |  | $ | 11,223 |  | $ | 348 |  | $ | — |  | $ | 7,622 |  | $ | 19,193 |  | $ | 1,603,877 |  |  |
Summary of Carrying Value of Loan on Nonaccrual Status |
|  | Nonaccrual |  |  | Nonaccrual |  |  |  |  |  | Loans Past Due |  |  |
|  | with no |  |  | with |  |  | Total |  |  | Over 90 Days |  |  | Total
| ACL |  | ACL |  | Nonaccrual |  | Still Accruing |  | Nonperforming
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | $ | 936 |  | $ | 4 |  | $ | 940 |  | $ | - |  | $ | 940
Commercial |  | 5,739 |  |  | 4 |  |  | 5,743 |  |  | - |  |  | 5,743
Agricultural |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial loans |  | 127 |  |  | - |  |  | 127 |  |  | 33 |  |  | 160
Other agricultural loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Consumer loans |  | 570 |  |  | 340 |  |  | 910 |  |  | 121 |  |  | 1,031
Total | $ | 7,372 |  | $ | 348 |  | $ | 7,720 |  | $ | 154 |  | $ | 7,874
|  | Nonaccrual |  |  | Nonaccrual |  |  |  |  |  | Loans Past Due |  |  |
|  | with no |  |  | with |  |  | Total |  |  | Over 90 Days |  |  | Total
| ACL |  | ACL |  | Nonaccrual |  | Still Accruing |  | Nonperforming
December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | $ | 432 |  | $ | - |  | $ | 432 |  | $ | - |  | $ | 432
Commercial |  | 2,211 |  |  | - |  |  | 2,211 |  |  | - |  |  | 2,211
Agricultural |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial loans |  | 4,264 |  |  | - |  |  | 4,264 |  |  | - |  |  | 4,264
Other agricultural loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Consumer loans |  | 162 |  |  | 553 |  |  | 715 |  |  | - |  |  | 715
Total | $ | 7,069 |  | $ | 553 |  | $ | 7,622 |  | $ | - |  | $ | 7,622
Summary of Collateral Dependent Nonaccrual Loans |
| Real Estate |  | Other |  | Total
December 31, 2024 |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |
Residential | $ | 940 |  | $ | - |  | $ | 940
Commercial |  | 5,743 |  |  | - |  |  | 5,743
Agricultural |  | - |  |  | - |  |  | -
Construction |  | - |  |  | - |  |  | -
Commercial loans |  | 49 |  |  | 78 |  |  | 127
Other agricultural loans |  | - |  |  | - |  |  | -
Consumer loans |  | - |  |  | 910 |  |  | 910
Total | $ | 6,732 |  | $ | 988 |  | $ | 7,720
| Real Estate |  | Other |  | Total
December 31, 2023 |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |
Residential | $ | 432 |  | $ | - |  | $ | 432
Commercial |  | 2,211 |  |  | - |  |  | 2,211
Agricultural |  | - |  |  | - |  |  | -
Construction |  | - |  |  | - |  |  | -
Commercial loans |  | 49 |  |  | 4,215 |  |  | 4,264
Other agricultural loans |  | - |  |  | - |  |  | -
Consumer loans |  | - |  |  | 715 |  |  | 715
Total | $ | 2,692 |  | $ | 4,930 |  | $ | 7,622
Allowance for Loan Losses and Recorded Investment in Financing Receivables |
(In thousands) | Residential Real Estate |  | Commercial Real Estate |  | Agricultural |  | Construction |  | Commercial |  | Other Agricultural |  | Consumer |  | Total
Beginning balance, December 31, 2023 | $ | 1,351 |  | $ | 11,871 |  | $ | 58 |  | $ | 933 |  | $ | 1,207 |  | $ | 94 |  | $ | 3,454 |  | $ | 18,968
Charge Offs |  | — |  |  | — |  |  | — |  |  | — |  |  | (100) |  |  | — |  |  | (1,849) |  |  | (1,949)
Recoveries |  | 41 |  |  | 110 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 127 |  |  | 278
Provision for credit losses |  | (246) |  |  | (575) |  |  | (10) |  |  | (49) |  |  | 625 |  |  | 68 |  |  | 2,733 |  |  | 2,546
Ending balance, December 31, 2024 | $ | 1,146 |  | $ | 11,406 |  | $ | 48 |  | $ | 884 |  | $ | 1,732 |  | $ | 162 |  | $ | 4,465 |  | $ | 19,843
Ending balance individually evaluated | $ | 4 |  | $ | 315 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 340 |  | $ | 659
Ending balance collectively evaluated ‎ | $ | 1,142 |  | $ | 11,091 |  | $ | 48 |  | $ | 884 |  | $ | 1,732 |  | $ | 162 |  | $ | 4,125 |  | $ | 19,184
(In thousands) | Residential Real Estate |  | Commercial Real Estate |  | Agricultural |  | Construction |  | Commercial |  | Other Agricultural |  | Consumer |  | Total
Beginning balance, December 31, 2022 | $ | 2,833 |  | $ | 8,293 |  | $ | 259 |  | $ | 409 |  | $ | 2,445 |  | $ | 124 |  | $ | 2,636 |  | $ | 16,999
Impact of adopting ASC 326 |  | (1,545) |  |  | 5,527 |  |  | (200) |  |  | 388 |  |  | (1,156) |  |  | 3 |  |  | (551) |  |  | 2,466
Charge Offs |  | (34) |  |  | (154) |  |  | — |  |  | — |  |  | (4,953) |  |  | — |  |  | (1,067) |  |  | (6,208)
Recoveries |  | 6 |  |  | 15 |  |  | — |  |  | — |  |  | 21 |  |  | — |  |  | 88 |  |  | 130
Provision for credit losses |  | 91 |  |  | (1,810) |  |  | (1) |  |  | 136 |  |  | 4,850 |  |  | (33) |  |  | 2,348 |  |  | 5,581
Ending balance, December 31, 2023 | $ | 1,351 |  | $ | 11,871 |  | $ | 58 |  | $ | 933 |  | $ | 1,207 |  | $ | 94 |  | $ | 3,454 |  | $ | 18,968
Ending balance individually evaluated | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 135 |  | $ | 135
Ending balance collectively evaluated ‎ | $ | 1,351 |  | $ | 11,871 |  | $ | 58 |  | $ | 933 |  | $ | 1,207 |  | $ | 94 |  | $ | 3,319 |  | $ | 18,833
Loan Modifications Made to Borrowers |
Loan Modifications Made to Borrowers Experiencing Financial Difficulty During the Year Ended December 31, 2024
Significant Payment Delay
|  | Amortized Cost Basis at December 31, 2024 |  |  | % of Total Class of Financing Receivable |  |  |  | Financial Effect
|  | (in thousands) |  |  |  |  |  |  |
Residential real estate loans | $ | 53 |  |  | 0.02 | % |  |  | Deferred principal for 4 months
Commercial real estate loans |  | 1,424 |  |  | 0.20 |  |  |  | Deferred principal for 2-5 months
Commercial loans |  | 875 |  |  | 0.41 |  |  |  | Deferred principal for 2-5 months
Total | $ | 2,352 |  |  |  |  |  |  |
Term Extension
|  | Amortized Cost Basis at December 31, 2024 |  |  | % of Total Class of Financing Receivable |  |  |  | Financial Effect
|  | (in thousands) |  |  |  |  |  |  |
Residential real estate loans | $ | 68 |  |  | 0.02 | % |  |  | Added a weighted-average 5.0 years to the life of loans
Commercial real estate loans |  | 540 |  |  | 0.08 |  |  |  | Added a weighted-average 9.5 months to the life of loans
Agricultural real estate loans |  | 565 |  |  | 0.89 |  |  |  | Added a weighted-average 20 years to the life of loans
Other agricultural loans |  | 300 |  |  | 1.00 |  |  |  | Added a weighted-average 1 year to the life of loans
Consumer loans to individuals |  | 51 |  |  | 0.02 |  |  |  | Added a weighted-average 1.4 years to the life of loans
Total | $ | 1,524 |  |  |  |  |  |  |
Combination -Significant Payment Delay and Term Extension
|  | Amortized Cost Basis at December 31, 2024 |  |  | % of Total Class of Financing Receivable |  |  |  | Financial Effect
Commercial real estate loans | $ | 3,779 |  |  | 0.53 | % |  |  | Deferred principal for 6 months and extended term by 4 months
Total | $ | 3,779 |  |  |  |  |  |  |
Loan Modifications Made to Borrowers Experiencing Financial Difficulty During the Year Ended December 31, 2023
Term Extension
|  | Amortized Cost Basis at December 31, 2023 |  |  | % of Total Class of Financing Receivable |  |  |  | Financial Effect
Commercial real estate loans | $ | 4,321,547 |  |  | 0.64 | % |  |  | Extended maturity date of loans by three to six months.
Total | $ | 4,321,547 |  |  |  |  |  |  |
Combination - Term Extension and Interest Rate Adjustment
|  | Amortized Cost Basis at December 31, 2023 |  |  | % of Total Class of Financing Receivable |  |  |  | Financial Effect
Consumer loans to individuals | $ | 19,225 |  |  | 0.01 | % |  |  | New loans were granted which extended terms for a weighted average of 34 months and rates were increased from a weighted average rate of 5.25% to a weighted average rate of 11.03%
Total | $ | 19,225 |  |  |  |  |  |  |

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