XML 36 R26.htm IDEA: XBRL DOCUMENT
v3.25.3

Loans (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2025
Loans |
Summary of classes of loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, | ​ | December 31,
(Dollars in thousands) |  | 2025 |  | 2024
Commercial real estate | ​ | $ | 793,765 | ​ | $ | 734,182
Commercial business | ​ |  | 107,535 | ​ |  | 104,947
Construction - commercial real estate | ​ |  | 119,076 | ​ |  | 132,717
Land acquisition and development | ​ |  | 59,722 | ​ |  | 46,072
Builder lines | ​ |  | 43,473 | ​ |  | 35,605
Construction - consumer real estate | ​ | ​ | 25,366 | ​ | ​ | 18,799
Residential mortgage | ​ | ​ | 314,868 | ​ | ​ | 308,809
Equity lines | ​ | ​ | 71,231 | ​ | ​ | 62,204
Other consumer | ​ | ​ | 9,943 | ​ | ​ | 10,270
Consumer finance - automobiles | ​ | ​ | 402,535 | ​ | ​ | 398,651
Consumer finance - marine and recreational vehicles | ​ |  | 60,709 | ​ |  | 68,142
Subtotal | ​ |  | 2,008,223 | ​ |  | 1,920,398
Less allowance for credit losses | ​ |  | (39,446) | ​ |  | (40,087)
Loans, net | ​ | $ | 1,968,777 | ​ | $ | 1,880,311
Schedule of past due status of loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 30-59 | ​ | 60-89 | ​ | 90+ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | 90+ Days
​ | ​ | Days | ​ | Days | ​ | Days | ​ | Total | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Past Due and
(Dollars in thousands) |  | Past Due | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Current1 | ​ | Total Loans | ​ | Accruing
Commercial real estate | ​ | $ | — | ​ | $ | — | ​ | $ | 75 | ​ | $ | 75 | ​ | $ | 793,690 | ​ | $ | 793,765 | ​ | $ | 75
Commercial business | ​ |  | — | ​ | ​ | 101 | ​ | ​ | — | ​ | ​ | 101 | ​ | ​ | 107,434 | ​ | ​ | 107,535 | ​ | ​ | —
Construction - commercial real estate | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 119,076 | ​ | ​ | 119,076 | ​ | ​ | —
Land acquisition and development | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 59,722 | ​ | ​ | 59,722 | ​ | ​ | —
Builder lines | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 43,473 | ​ | ​ | 43,473 | ​ | ​ | —
Construction - consumer real estate | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 25,366 | ​ | ​ | 25,366 | ​ | ​ | —
Residential mortgage | ​ | ​ | 468 | ​ | ​ | 144 | ​ | ​ | 941 | ​ | ​ | 1,553 | ​ | ​ | 313,315 | ​ | ​ | 314,868 | ​ | ​ | —
Equity lines | ​ | ​ | 266 | ​ | ​ | 6 | ​ | ​ | — | ​ | ​ | 272 | ​ | ​ | 70,959 | ​ | ​ | 71,231 | ​ | ​ | —
Other consumer | ​ | ​ | 13 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 13 | ​ | ​ | 9,930 | ​ | ​ | 9,943 | ​ | ​ | —
Consumer finance - automobiles | ​ | ​ | 14,589 | ​ | ​ | 2,079 | ​ | ​ | 1,269 | ​ | ​ | 17,937 | ​ | ​ | 384,598 | ​ | ​ | 402,535 | ​ | ​ | —
Consumer finance - marine and recreational vehicles | ​ |  | 454 | ​ | ​ | 81 | ​ | ​ | 58 | ​ | ​ | 593 | ​ | ​ | 60,116 | ​ | ​ | 60,709 | ​ | ​ | —
Total | ​ | $ | 15,790 | ​ | $ | 2,411 | ​ | $ | 2,343 | ​ | $ | 20,544 | ​ | $ | 1,987,679 | ​ | $ | 2,008,223 | ​ | $ | 75
1 | For the purposes of the table above, “Current” includes loans that are 1-29 days past due. |
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 30-59 | ​ | 60-89 | ​ | 90+ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | 90+ Days
​ | ​ | Days | ​ | Days | ​ | Days | ​ | Total | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Past Due and
(Dollars in thousands) |  | Past Due | ​ | Past Due | ​ | Past Due | ​ | Past Due | ​ | Current1 | ​ | Total Loans | ​ | Accruing
Commercial real estate | ​ | $ | 26 | ​ | $ | — | ​ | $ | — | ​ | $ | 26 | ​ | $ | 734,156 | ​ | $ | 734,182 | ​ | $ | —
Commercial business | ​ |  | 29 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 29 | ​ | ​ | 104,918 | ​ | ​ | 104,947 | ​ | ​ | —
Construction - commercial real estate | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 132,717 | ​ | ​ | 132,717 | ​ | ​ | —
Land acquisition and development | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 46,072 | ​ | ​ | 46,072 | ​ | ​ | —
Builder lines | ​ |  | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 35,605 | ​ | ​ | 35,605 | ​ | ​ | —
Construction - consumer real estate | ​ | ​ | 747 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 747 | ​ | ​ | 18,052 | ​ | ​ | 18,799 | ​ | ​ | —
Residential mortgage | ​ | ​ | 1,012 | ​ | ​ | 1,076 | ​ | ​ | 426 | ​ | ​ | 2,514 | ​ | ​ | 306,295 | ​ | ​ | 308,809 | ​ | ​ | 334
Equity lines | ​ | ​ | 85 | ​ | ​ | — | ​ | ​ | 76 | ​ | ​ | 161 | ​ | ​ | 62,043 | ​ | ​ | 62,204 | ​ | ​ | 76
Other consumer | ​ | ​ | 9 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 9 | ​ | ​ | 10,261 | ​ | ​ | 10,270 | ​ | ​ | —
Consumer finance - automobiles | ​ | ​ | 14,703 | ​ | ​ | 2,650 | ​ | ​ | 599 | ​ | ​ | 17,952 | ​ | ​ | 380,699 | ​ | ​ | 398,651 | ​ | ​ | —
Consumer finance - marine and recreational vehicles | ​ |  | 215 | ​ | ​ | 22 | ​ | ​ | 15 | ​ | ​ | 252 | ​ | ​ | 67,890 | ​ | ​ | 68,142 | ​ | ​ | —
Total | ​ | $ | 16,826 | ​ | $ | 3,748 | ​ | $ | 1,116 | ​ | $ | 21,690 | ​ | $ | 1,898,708 | ​ | $ | 1,920,398 | ​ | $ | 410
1For the purposes of the table above, “Current” includes loans that are 1-29 days past due.
Schedule of loans on nonaccrual status | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, | ​ | December 31,
(Dollars in thousands) |  | 2025 | ​ | 2024
Residential mortgage | ​ | $ | 1,164 | ​ | $ | 333
Consumer finance - automobiles | ​ | ​ | 1,269 | ​ | ​ | 599
Consumer finance - marine and recreational vehicles | ​ | ​ | 58 | ​ | ​ | 15
Total | ​ | $ | 2,491 | ​ | $ | 947
Summary of amortized cost basis of loans that were both experiencing financial difficulty and modified | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended September 30, 2025 | ​ | ​ | ​ | Nine Months Ended September 30, 2025 | ​
​ | ​ | ​ | % of Total | ​ | ​ | ​ | ​ | % of Total | ​
​ | ​ | Amortized | Class of | ​ | ​ | ​ | Amortized | Class of | ​
(Dollars in thousands) |  | Cost | Loans | ​ | ​ | ​ | Cost | Loans | ​
Term Extension | ​ | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​ | ​ | ​
Commercial real estate | ​ | $ | — | ​ | — | % | ​ | ​ | $ | 3,545 | ​ | 0.4 | %
Total Term Extension | ​ | $ | — | ​ | ​ | ​ | ​ | ​ | $ | 3,545 | ​ | ​ | ​
Total | ​ | $ | — | ​ | — | % | ​ | ​ | $ | 3,545 | ​ | 0.2 | %
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended September 30, 2024 | ​ | ​ | ​ | Nine Months Ended September 30, 2024 | ​
​ | ​ | ​ | % of Total | ​ | ​ | ​ | ​ | % of Total | ​
​ | ​ | Amortized | Class of | ​ | ​ | ​ | Amortized | Class of | ​
(Dollars in thousands) |  | Cost | Loans | ​ | ​ | ​ | Cost | Loans | ​
Term Extension | ​ | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​ | ​ | ​
Commercial real estate | ​ | $ | 96 | ​ | 0.0 | % | ​ | ​ | $ | 96 | ​ | 0.0 | %
Residential mortgage | ​ | ​ | — | ​ | — | % | ​ | ​ | ​ | 336 | ​ | 0.1 | %
Total Term Extension | ​ | $ | 96 | ​ | ​ | ​ | ​ | ​ | $ | 432 | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Combination Term Extension and Interest Rate Reduction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential mortgage | ​ | $ | — | ​ | — | % | ​ | ​ | $ | 18 | ​ | 0.0 | %
Total Combination Term Extension and Interest Rate Reduction | ​ | $ | — | ​ | ​ | ​ | ​ | ​ | $ | 18 | ​ | ​ | ​
Total | ​ | $ | 96 | ​ | 0.0 | % | ​ | ​ | $ | 450 | ​ | 0.0 | %
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Three Months Ended September 30, 2025 |  | Nine Months Ended September 30, 2025
​ | ​ | Weighted- | ​ | Weighted- | ​ | Weighted- | ​ | Weighted-
​ | ​ | Average | ​ | Average | ​ | Average | ​ | Average
​ | ​ | Interest | ​ | Term | ​ | Interest | ​ | Term
​ | ​ | Rate | ​ | Extension | ​ | Rate | ​ | Extension
​ | ​ | Reduction | ​ | (in years) | ​ | Reduction | ​ | (in years)
Commercial real estate | ​ | ​ | — | % | ​ | — |  | ​ | — | % | ​ | 1.1
Total | ​ | ​ | — | % | ​ | — | ​ | ​ | — | % | ​ | 1.1
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Three Months Ended September 30, 2024 |  | Nine Months Ended September 30, 2024
​ | ​ | Weighted- | ​ | Weighted- | ​ | Weighted- | ​ | Weighted-
​ | ​ | Average | ​ | Average | ​ | Average | ​ | Average
​ | ​ | Interest | ​ | Term | ​ | Interest | ​ | Term
​ | ​ | Rate | ​ | Extension | ​ | Rate | ​ | Extension
​ | ​ | Reduction | ​ | (in years) | ​ | Reduction | ​ | (in years)
Commercial real estate | ​ | ​ | — | % | ​ | 1.0 |  | ​ | — | % | ​ | 1.0
Residential mortgage | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1.51 | ​ | ​ | 6.9
Total | ​ | ​ | — | % | ​ | 1.0 | ​ | ​ | 1.51 | % | ​ | 5.7
​

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 14 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-14 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 80 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-80 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(4)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(3)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable on nonaccrual status. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 16 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-16 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A Reference 4: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 34 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-34 Reference 5: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 33 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-33 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration