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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)

3 Months Ended

Mar. 31, 2025

Receivables [Abstract]

Schedule of Loans

A summary of loans at March 31, 2025, and December 31, 2024, follows:

			March 31, 2025															December 31, 2024
						Amortized Cost						% of Total						Amortized Cost						% of Total
Commercial/Agricultural real estate:
Commercial real estate						$	707,994					52.3		%				$	707,009					51.7		%
Agricultural real estate						70,726						5.2		%				72,738						5.3		%
Multi-family real estate						237,736						17.6		%				220,706						16.1		%
Construction and land development						58,158						4.3		%				78,146						5.7		%
C&I/Agricultural operating:
Commercial and industrial						109,479						8.1		%				115,535						8.4		%
Agricultural operating						29,329						2.2		%				31,017						2.3		%
Residential mortgage:
Residential mortgage						128,633						9.5		%				131,892						9.6		%
Purchased HELOC loans						2,560						0.2		%				2,956						0.2		%
Consumer installment:
Originated indirect paper						3,434						0.3		%				3,970						0.3		%
Other consumer						4,679						0.3		%				5,012						0.4		%
Total loans receivable						$	1,352,728					100		%				$	1,368,981					100		%
Less: Allowance for credit losses						(20,205)												(20,549)
Net loans receivable						$	1,332,523											$	1,348,432

Schedule of Financing Receivable Credit Quality Indicators

Below is a summary of the amortized cost of loans summarized by class, credit quality risk rating and year of origination as of March 31, 2025, and gross charge-offs for the three months ended March 31, 2025:

			Amortized Cost Basis by Origination Year
			2025			2024			2023			2022			2021			Prior			Revolving			Revolving to Term			Total
Commercial/Agricultural real estate:
Commercial real estate
Risk rating 1 to 5			$	15,610		$	49,839		$	75,320		$	120,536		$	203,782		$	218,775		$	8,410		$	—		$	692,272
Risk rating 6			—			—			1,301			2,844			40			3,535			—			—			7,720
Risk rating 7			—			172			697			496			2,114			4,523			—			—			8,002
Total			$	15,610		$	50,011		$	77,318		$	123,876		$	205,936		$	226,833		$	8,410		$	—		$	707,994
Current period gross charge-offs			$	—		$	—		$	—		$	51		$	—		$	—		$	—		$	—		$	51
Agricultural real estate
Risk rating 1 to 5			$	5,413		$	3,443		$	6,573		$	16,743		$	9,960		$	21,611		$	910		$	—		$	64,653
Risk rating 6			—			—			—			—			—			138			—			—			138
Risk rating 7			—			—			201			378			4,978			378			—			—			5,935
Total			$	5,413		$	3,443		$	6,774		$	17,121		$	14,938		$	22,127		$	910		$	—		$	70,726
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Multi-family real estate
Risk rating 1 to 5			$	7,376		$	8,729		$	7,749		$	57,058		$	98,946		$	57,437		$	441		$	—		$	237,736
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	7,376		$	8,729		$	7,749		$	57,058		$	98,946		$	57,437		$	441		$	—		$	237,736
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Construction and land development
Risk rating 1 to 5			$	6,745		$	16,660		$	22,145		$	10,033		$	342		$	2,144		$	89		$	—		$	58,158
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	6,745		$	16,660		$	22,145		$	10,033		$	342		$	2,144		$	89		$	—		$	58,158
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Commercial/Agricultural operating:
Commercial and industrial
Risk rating 1 to 5			$	2,328		$	16,406		$	10,000		$	27,537		$	12,466		$	11,790		$	20,931		$	—		$	101,458
Risk rating 6			250			817			1,545			2,963			73			169			792			—			6,609
Risk rating 7			—			—			436			33			401			1			541			—			1,412
Total			$	2,578		$	17,223		$	11,981		$	30,533		$	12,940		$	11,960		$	22,264		$	—		$	109,479
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	20		$	—		$	20
Agricultural operating
Risk rating 1 to 5			$	2,202		$	2,122		$	2,758		$	2,313		$	520		$	1,986		$	16,188		$	—		$	28,089
Risk rating 6			—			—			48			—			35			241			191			—			515
Risk rating 7			—			—			—			473			252			—			—			—			725
Total			$	2,202		$	2,122		$	2,806		$	2,786		$	807		$	2,227		$	16,379		$	—		$	29,329
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Continued			Amortized Cost Basis by Origination Year
			2025			2024			2023			2022			2021			Prior			Revolving			Revolving to Term			Total
Residential mortgage:
Residential mortgage
Risk rating 1 to 5			$	1,026		$	12,928		$	27,581		$	29,891		$	7,233		$	29,719		$	17,089		$	—		$	125,467
Risk rating 7			—			7			—			128			—			2,931			100			—			3,166
Total			$	1,026		$	12,935		$	27,581		$	30,019		$	7,233		$	32,650		$	17,189		$	—		$	128,633
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Purchased HELOC loans
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	—		$	2,443		$	—		$	2,443
Risk rating 7			—			—			—			—			—			—			117			—			117
Total			$	—		$	—		$	—		$	—		$	—		$	—		$	2,560		$	—		$	2,560
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Consumer installment:
Originated indirect paper
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	3,400		$	—		$	—		$	3,400
Risk rating 7			—			—			—			—			—			34			—			—			34
Total			$	—		$	—		$	—		$	—		$	—		$	3,434		$	—		$	—		$	3,434
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Other consumer
Risk rating 1 to 5			$	470		$	1,294		$	1,065		$	617		$	305		$	465		$	460		$	—		$	4,676
Risk rating 7			1			2			—			—			—			—			—			—			3
Total			$	471		$	1,296		$	1,065		$	617		$	305		$	465		$	460		$	—		$	4,679
Current period gross charge-offs			$	—		$	3		$	6		$	—		$	—		$	—		$	2		$	—		$	11
Total loans receivable			$	41,421		$	112,419		$	157,419		$	272,043		$	341,447		$	359,277		$	68,702		$	—		$	1,352,728
Total current period gross charge-offs			$	—		$	3		$	6		$	51		$	—		$	—		$	22		$	—		$	82

Below is a summary of the amortized cost of loans summarized by class, credit quality risk rating and year of origination as of December 31, 2024, and gross charge-offs for the twelve months ended December 31, 2024:

			Amortized Cost Basis by Origination Year
			2024			2023			2022			2021			2020			Prior			Revolving			Revolving to Term			Total
Commercial/Agricultural real estate:
Commercial real estate
Risk rating 1 to 5			$	49,580		$	76,381		$	123,806		$	207,155		$	89,539		$	141,264		$	7,669		$	—		$	695,394
Risk rating 6			173			1,406			2,238			138			—			—			—			—			3,955
Risk rating 7			—			—			553			2,445			214			4,448			—			—			7,660
Total			$	49,753		$	77,787		$	126,597		$	209,738		$	89,753		$	145,712		$	7,669		$	—		$	707,009
Current period gross charge-offs			$	—		$	—		$	—		$	39		$	—		$	—		$	—		$	—		$	39
Agricultural real estate
Risk rating 1 to 5			$	3,556		$	10,870		$	17,160		$	10,098		$	7,335		$	16,642		$	715		$	—		$	66,376
Risk rating 6			—			—			—			—			—			140			—			—			140
Risk rating 7			—			202			477			5,102			—			441			—			—			6,222
Total			$	3,556		$	11,072		$	17,637		$	15,200		$	7,335		$	17,223		$	715		$	—		$	72,738
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Multi-family real estate
Risk rating 1 to 5			$	8,777		$	7,790		$	40,426		$	101,213		$	43,115		$	19,005		$	380		$	—		$	220,706
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	8,777		$	7,790		$	40,426		$	101,213		$	43,115		$	19,005		$	380		$	—		$	220,706
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Construction and land development
Risk rating 1 to 5			$	23,832		$	25,102		$	10,186		$	346		$	1,297		$	868		$	16,412		$	—		$	78,043
Risk rating 6			—			—			—			—			—			103			—			—			103
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	23,832		$	25,102		$	10,186		$	346		$	1,297		$	971		$	16,412		$	—		$	78,146
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Commercial/Agricultural operating:
Commercial and industrial
Risk rating 1 to 5			$	17,599		$	13,049		$	28,343		$	13,629		$	8,787		$	4,197		$	24,809		$	—		$	110,413
Risk rating 6			—			—			3,062			13			—			—			292			626			3,993
Risk rating 7			—			500			74			401			—			—			154			—			1,129
Total			$	17,599		$	13,549		$	31,479		$	14,043		$	8,787		$	4,197		$	25,255		$	626		$	115,535
Current period gross charge-offs			$	—		$	131		$	7		$	—		$	5		$	—		$	—		$	—		$	143
Agricultural operating
Risk rating 1 to 5			$	3,373		$	3,062		$	3,144		$	563		$	198		$	1,884		$	17,609		$	—		$	29,833
Risk rating 6			—			49			—			37			240			—			65			—			391
Risk rating 7			—			—			473			320			—			—			—			—			793
Total			$	3,373		$	3,111		$	3,617		$	920		$	438		$	1,884		$	17,674		$	—		$	31,017
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Continued			Amortized Cost Basis by Origination Year
			2024			2023			2022			2021			2020			Prior			Revolving			Revolving to Term			Total
Residential mortgage:
Residential mortgage
Risk rating 1 to 5			$	13,400		$	28,598		$	30,386		$	7,369		$	2,141		$	30,004		$	17,349		$	—		129,247
Risk rating 7			—			—			130			—			—			2,507			8			—			2,645
Total			$	13,400		$	28,598		$	30,516		$	7,369		$	2,141		$	32,511		$	17,357		$	—		$	131,892
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	4		$	—		$	—		$	4
Purchased HELOC loans
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	—		$	2,839		$	—		$	2,839
Risk rating 7			—			—			—			—			—			—			117			—			117
Total			$	—		$	—		$	—		$	—		$	—		$	—		$	2,956		$	—		$	2,956
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Consumer installment:
Originated indirect paper
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	3,944		$	—		$	—		$	3,944
Risk rating 7			—			—			—			—			—			26			—			—			26
Total			$	—		$	—		$	—		$	—		$	—		$	3,970		$	—		$	—		$	3,970
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	17		$	—		$	—		$	17
Other consumer
Risk rating 1 to 5			$	1,519		$	1,229		$	811		$	385		$	341		$	214		$	511		$	—		$	5,010
Risk rating 7			2			—			—			—			—			—			—			—			2
Total			$	1,521		$	1,229		$	811		$	385		$	341		$	214		$	511		$	—		$	5,012
Current period gross charge-offs			$	—		$	4		$	3		$	1		$	—		$	—		$	10		$	—		$	18
Total loans receivable			$	121,811		$	168,238		$	261,269		$	349,214		$	153,207		$	225,687		$	88,929		$	626		$	1,368,981
Total current period gross charge-offs			$	—		$	135		$	10		$	40		$	5		$	21		$	10		$	—		$	221

Schedule of Allowance for Credit Losses

The following tables present the balance and activity in the allowance for credit losses (“ACL”) - loans by portfolio segment for the three months ended March 31, 2025:

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment												Total
Three months ended March 31, 2025
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	16,516					$	1,330					$	2,489					$	214											$	20,549
Charge-offs			(51)						(20)						—						(11)												(82)
Recoveries			40						45						1						3												89
(Reversals)/additions to ACL - Loans via provision for credit losses charged to operations			(261)						75						(152)						(13)												(351)
ACL - Loans, at end of period			$	16,244					$	1,430					$	2,338					$	193											$	20,205

The following table presents the balance and activity in the allowance for credit losses (“ACL”) - loans by portfolio segment for the three months ended March 31, 2024:

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment												Total
Three months ended March 31, 2024
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	18,784					$	1,105					$	2,744					$	275											$	22,908
Charge-offs			—						—						—						(5)												(5)
Recoveries			39						15						1						3												58
(Reversals)/additions to ACL - Loans via provision for credit losses charged to operations			(568)						46						20						(23)												(525)
ACL - Loans, at end of period			$	18,255					$	1,166					$	2,765					$	250											$	22,436

The following table presents the balance and activity in the allowance for credit losses (“ACL”) - loans by portfolio segment for the twelve months ended December 31, 2024:

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment												Total
Twelve months ended December 31, 2024
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	18,784					$	1,105					$	2,744					$	275											$	22,908
Charge-offs			(39)						(143)						(4)						(35)												(221)
Recoveries			56						36						7						22												121
(Reversals)/additions to ACL - Loans via provision for credit losses charged to operations			(2,285)						332						(258)						(48)												(2,259)
ACL - Loans, at end of period			$	16,516					$	1,330					$	2,489					$	214											$	20,549

The following table presents the balance and activity in the ACL - Unfunded Commitments for the three months ended March 31, 2025, and the twelve months ended December 31, 2024.

						March 31, 2025 and Three Months Ended												December 31, 2024 and Twelve Months Ended
ACL - Unfunded Commitments - beginning of period						$	334											$	1,250
Additions to ACL - Unfunded Commitments via provision for credit losses charged to operations						101												(916)
ACL - Unfunded Commitments - End of period						$	435											$	334

Schedule of Provision for Credit Losses

The following table presents the components of the negative provision for credit losses.

						March 31, 2025 and Three Months Ended						March 31, 2024 and Three Months Ended
(Negative) provision for credit losses on:
Loans						$	(351)					$	(525)
Unfunded Commitments						101						(275)
Total (negative) provision for credit losses						$	(250)					$	(800)

Schedule of Aging Analysis of the Bank Real Estate and Consumer Loans

An aging analysis of the Company’s commercial/agricultural real estate, C&I, agricultural operating, residential mortgage, consumer installment and purchased third party loans as of March 31, 2025, and December 31, 2024, respectively, was as follows:

(Loan balances at amortized cost)			30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due						Total Past Due																		Current						Total Loans
March 31, 2025
Commercial/Agricultural real estate:
Commercial real estate			$	217					$	224					$	370					$	811																	$	707,183					$	707,994
Agricultural real estate			41						61						554						656																		70,070						70,726
Multi-family real estate			—						—						—						—																		237,736						237,736
Construction and land development			289						—						—						289																		57,869						58,158
C&I/Agricultural operating:
Commercial and industrial			50						—						501						551																		108,928						109,479
Agricultural operating			—						—						725						725																		28,604						29,329
Residential mortgage:
Residential mortgage			1,069						54						830						1,953																		126,680						128,633
Purchased HELOC loans			—						—						117						117																		2,443						2,560
Consumer installment:
Originated indirect paper			16						1						—						17																		3,417						3,434
Other consumer			44						16						—						60																		4,619						4,679
Total			$	1,726					$	356					$	3,097					$	5,179																	$	1,347,549					$	1,352,728
(Loan balances at amortized cost)			30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due						Total Past Due																		Current						Total Loans
December 31, 2024
Commercial/Agricultural real estate:
Commercial real estate			$	857					$	322					$	367					$	1,546																	$	705,463					$	707,009
Agricultural real estate			26						—						556						582																		72,156						72,738
Multi-family real estate			—						—						—						—																		220,706						220,706
Construction and land development			—						—						—						—																		78,146						78,146
C&I/Agricultural operating:
Commercial and industrial			566						50						564						1,180																		114,355						115,535
Agricultural operating			—						—						793						793																		30,224						31,017
Residential mortgage:
Residential mortgage			1,873						796						500						3,169																		128,723						131,892
Purchased HELOC loans			—						—						117						117																		2,839						2,956
Consumer installment:
Originated indirect paper			25						—						—						25																		3,945						3,970
Other consumer			27						—						—						27																		4,985						5,012
Total			$	3,374					$	1,168					$	2,897					$	7,439																	$	1,361,542					$	1,368,981

The following table shows the performance of such loans that have been modified during the twelve months ended March 31, 2025.

						Current						30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due
Commercial real estate						$	1,182					$	98					$	224					$	—
Commercial and industrial						1,496						50						—						—
Agricultural operating						191						—						—						—
Residential mortgage						19						275						—						—
Other consumer						2						—						—						—
Total						$	2,890					$	423					$	224					$	—

The following table shows the performance of such loans that have been modified during the twelve months ended March 31, 2024.

						Current						30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due
Commercial real estate						$	4,564					$	—					$	—					$	—
Commercial and industrial						2,300						—						—						—
Residential mortgage						82						—						—						69
Total						$	6,946					$	—					$	—					$	69

Schedule of Nonaccrual Loans

The following tables present the amortized cost basis of loans on nonaccrual status and of nonaccrual loans individually evaluated at March 31, 2025, December 31, 2024, and March 31, 2024, with no allowance for credit losses:

March 31, 2025			Total Nonaccrual Loans						Nonaccrual with no Allowance for Credit Losses						Loans Past Due over 89 Days Still Accruing
Commercial/Agricultural real estate:
Commercial real estate			$	4,948					$	4,737					$	—
Agricultural real estate			5,934						5,734						—
C&I/Agricultural operating:
Commercial and industrial			701						668						—
Agricultural operating			725						725						—
Residential mortgage:
Residential mortgage			665						665						568
Purchased HELOC loans			117						117						—
Consumer installment:
Originated indirect paper			1						1						—
Total			$	13,091					$	12,647					$	568

December 31, 2024			Total Nonaccrual Loans						Nonaccrual with no Allowance for Credit Losses						Loans Past Due over 89 Days Still Accruing
Commercial/Agricultural real estate:
Commercial real estate			$	4,594					$	4,374					$	—
Agricultural real estate			6,222						6,020						—
Construction and land development			103						103						—
C&I/Agricultural operating:
Commercial and industrial			597						564						—
Agricultural operating			793						793						—
Residential mortgage:
Residential mortgage			741						548						186
Purchased HELOC loans			117						117						—
Consumer installment:
Originated indirect paper			1						1						—
Total			$	13,168					$	12,520					$	186

March 31, 2024			Total Nonaccrual Loans						Nonaccrual with no Allowance for Credit Losses						Loans Past Due over 89 Days Still Accruing
Commercial/Agricultural real estate:
Commercial real estate			$	5,340					$	5,125					$	—
Agricultural real estate			382						383						—
C&I/Agricultural operating:
Commercial and industrial			440						289						—
Agricultural operating			1,106						1,106						—
Residential mortgage:
Residential mortgage			1,127						900						324
Consumer installment:
Originated indirect paper			17						17						—
Other consumer			1						1						2
Total			$	8,413					$	7,821					$	326

Schedule of Collateral Dependent Loans by Portfolio Segment

The following tables present the amortized cost basis of collateral dependent loans by portfolio segment and collateral type that were individually evaluated to determine expected credit losses and the related allowance for credit losses as of March 31, 2025, and December 31, 2024.

			Collateral Type
March 31, 2025			Real Estate						Other Assets						Total						Without an Allowance						With an Allowance						Allowance Allocation
Commercial/Agricultural real estate:
Commercial real estate			$	9,185					$	—					$	9,185					$	5,743					$	3,441					$	482
Agricultural real estate			5,934						—						5,934						5,734						201						99
C&I/Agricultural operating:
Commercial and industrial			—						2,033						2,033						1,288						745						96
Agricultural operating			—						725						725						725						—						—
Residential mortgage:
Residential mortgage			3,244						—						3,244						3,244						—						—
Consumer installment:
Originated indirect paper			—						34						34						34						—						—
Other consumer			—						3						3						3						—						—
Total			$	18,363					$	2,795					$	21,158					$	16,771					$	4,387					$	677

			Collateral Type
December 31, 2024			Real Estate						Other Assets						Total						Without an Allowance						With an Allowance						Allowance Allocation
Commercial/Agricultural real estate:
Commercial real estate			$	9,004					$	—					$	9,004					$	6,597					$	2,407					$	258
Agricultural real estate			6,222						—						6,222						6,020						202						99
Construction and land development			103						—						103						103						—						—
C&I/Agricultural operating:
Commercial and industrial			—						1,806						1,806						1,146						660						49
Agricultural operating			—						793						793						793						—						—
Residential mortgage:
Residential mortgage			3,066						—						3,066						2,773						293						49
Consumer installment:
Originated indirect paper			—						25						25						25						—						—
Other consumer			—						2						2						2						—						—
Total			$	18,395					$	2,626					$	21,021					$	17,459					$	3,562					$	455

Schedule of Loan Modifications

The tables below detail Loan Modifications Made to Borrowers Experiencing Financial Difficulty during the three months ended March 31, 2025:

						Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at March 31, 2025						% of Total Class of Financing Receivables
Commercial real estate						$	322					0.05		%
Residential mortgage						$	120					0.09		%

The tables below detail Loan Modifications made to Borrowers Experiencing Financial Difficulty during the twelve months ended March 31, 2025:

						Term Extension
Loan Class						Amortized Cost Basis at March 31, 2025						% of Total Class of Financing Receivables
Commercial and industrial						$	745					0.68		%
Agricultural operating						$	191					0.65		%
Residential mortgage						$	19					0.01		%
						Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at March 31, 2025						% of Total Class of Financing Receivables
Commercial real estate						$	1,504					0.21		%
Commercial and industrial						$	801					0.73		%
Residential mortgage						$	275					0.21		%
						Term Extension and Principal Forgiveness
Loan Class						Amortized Cost Basis at March 31, 2025						% of Total Class of Financing Receivables
Other consumer						$	2					0.04		%

The tables below detail Loan Modifications Made to Borrowers Experiencing Financial Difficulty during the three months ended March 31, 2024:

						Term Extension
Loan Class						Amortized Cost Basis at March 31, 2024						% of Total Class of Financing Receivables
Commercial and industrial						$	2,300					1.80		%
						Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at March 31, 2024						% of Total Class of Financing Receivables
Residential mortgage						$	82					0.06		%

Schedule of Financial Effect of the Modifications Made to Borrowers

The following tables describe the financial effect of the loan modifications made to borrowers experiencing financial difficulty during the three months ended March 31, 2025:

Other-Than-Insignificant Payment Delay
Loan Class						Financial Effect
Commercial real estate						Payments were deferred a weighted average of 3 months
Residential mortgage						Payments were deferred a weighted average of 3 months

The following tables describe the financial effect of the loan modifications made to borrowers experiencing financial difficulty during the twelve months ended March 31, 2025:

Term Extension
Loan Class						Financial Effect
Commercial and industrial						A weighted average of 12 months was added to the term of the loans
Agricultural operating						A weighted average of 8 months was added to the term of the loans
Residential mortgage						A weighted average of 55 months was added to the term of the loans
Other-Than-Insignificant Payment Delay
Loan Class						Financial Effect
Commercial real estate						Payments were deferred a weighted average of 3 months
Commercial and industrial						Payments were deferred a weighted average of 3 months
Residential mortgage						Payments were deferred a weighted average of 3 months
Term Extension and Principal Forgiveness
Loan Class						Financial Effect
Other consumer						A weighted average of 3 months was added to the term of the loan and a principal balance of $2 was forgiven

The following tables describe the financial effect of the loan modifications made to borrowers experiencing financial difficulty during the three months ended March 31, 2024:

Term Extension
Loan Class						Financial Effect
Commercial and industrial						A weighted average of 11 months was added to the term of the loans
Other-Than-Insignificant Payment Delay
Loan Class						Financial Effect
Residential mortgage						Payments were deferred a weighted average of 3 months

The tables below detail Loan Modifications Made to Borrowers Experiencing Financial Difficulty during the twelve months ended March 31, 2024:

						Term Extension
Loan Class						Amortized Cost Basis at March 31, 2024						% of Total Class of Financing Receivables
Commercial real estate						$	4,564					0.61		%
Commercial and industrial						$	2,300					1.80		%
						Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at March 31, 2024						% of Total Class of Financing Receivables
Residential mortgage						$	151					0.12		%

The following tables describe the financial effect of the loan modifications made to borrowers experiencing financial difficulty during the twelve months ended March 31, 2024:

Term Extension
Loan Class						Financial Effect
Commercial real estate						A weighted average of 20 months was added to the term of the loans
Commercial and industrial						A weighted average of 11 months was added to the term of the loans
Other-Than-Insignificant Payment Delay
Loan Class						Financial Effect
Residential Mortgage						Payments were deferred a weighted average of 4 months

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