XML 35 R25.htm IDEA: XBRL DOCUMENT v3.25.2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)

6 Months Ended

Jun. 30, 2025

Receivables [Abstract]

Schedule of Loans

A summary of loans at June 30, 2025, and December 31, 2024, follows:

			June 30, 2025															December 31, 2024
						Amortized Cost						% of Total						Amortized Cost						% of Total
Commercial/Agricultural real estate:
Commercial real estate						$	691,843					51.4		%				$	707,009					51.7		%
Agricultural real estate						68,965						5.1		%				72,738						5.3		%
Multi-family real estate						238,823						17.8		%				220,706						16.1		%
Construction and land development						70,008						5.2		%				78,146						5.7		%
C&I/Agricultural operating:
Commercial and industrial						109,048						8.1		%				115,535						8.4		%
Agricultural operating						31,895						2.4		%				31,017						2.3		%
Residential mortgage:
Residential mortgage						125,436						9.3		%				131,892						9.6		%
Purchased HELOC loans						2,368						0.2		%				2,956						0.2		%
Consumer installment:
Originated indirect paper						2,959						0.2		%				3,970						0.3		%
Other consumer						4,275						0.3		%				5,012						0.4		%
Total loans receivable						$	1,345,620					100		%				$	1,368,981					100		%
Less: Allowance for credit losses						(21,347)												(20,549)
Net loans receivable						$	1,324,273											$	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 June 30, 2025, and gross charge-offs for the six months ended June 30, 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			$	44,115		$	50,606		$	74,412		$	102,712		$	200,569		$	194,917		$	9,209		$	—		$	676,540
Risk rating 6			—			—			1,301			2,218			39			3,528			—			—			7,086
Risk rating 7			—			170			671			1,100			2,076			4,200			—			—			8,217
Total			$	44,115		$	50,776		$	76,384		$	106,030		$	202,684		$	202,645		$	9,209		$	—		$	691,843
Current period gross charge-offs			$	—		$	—		$	—		$	51		$	—		$	—		$	—		$	—		$	51
Agricultural real estate
Risk rating 1 to 5			$	8,567		$	2,843		$	6,435		$	16,349		$	9,790		$	18,751		$	644		$	—		$	63,379
Risk rating 6			—			—			—			—			—			138			—			—			138
Risk rating 7			—			—			201			20			4,861			366			—			—			5,448
Total			$	8,567		$	2,843		$	6,636		$	16,369		$	14,651		$	19,255		$	644		$	—		$	68,965
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Multi-family real estate
Risk rating 1 to 5			$	20,800		$	8,679		$	7,711		$	56,597		$	89,326		$	46,306		$	431		$	—		$	229,850
Risk rating 6			—			—			—			—			8,973			—			—			—			8,973
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	20,800		$	8,679		$	7,711		$	56,597		$	98,299		$	46,306		$	431		$	—		$	238,823
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Construction and land development
Risk rating 1 to 5			$	19,356		$	13,758		$	24,874		$	9,481		$	329		$	2,124		$	86		$	—		$	70,008
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	19,356		$	13,758		$	24,874		$	9,481		$	329		$	2,124		$	86		$	—		$	70,008
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Commercial/Agricultural operating:
Commercial and industrial
Risk rating 1 to 5			$	8,161		$	16,884		$	8,605		$	26,589		$	9,522		$	10,511		$	20,955		$	—		$	101,227
Risk rating 6			240			810			1,516			2,868			69			158			856			—			6,517
Risk rating 7			—			—			370			17			381			—			536			—			1,304
Total			$	8,401		$	17,694		$	10,491		$	29,474		$	9,972		$	10,669		$	22,347		$	—		$	109,048
Current period gross charge-offs			$	—		$	—		$	36		$	16		$	—		$	—		$	35		$	—		$	87
Agricultural operating
Risk rating 1 to 5			$	3,613		$	1,919		$	2,668		$	2,236		$	385		$	1,852		$	18,769		$	—		$	31,442
Risk rating 6			—			—			47			—			33			202			171			—			453
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	3,613		$	1,919		$	2,715		$	2,236		$	418		$	2,054		$	18,940		$	—		$	31,895
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			$	3,204		$	10,928		$	26,288		$	29,641		$	7,016		$	28,110		$	17,643		$	—		$	122,830
Risk rating 7			—			—			—			—			135			2,371			100			—			2,606
Total			$	3,204		$	10,928		$	26,288		$	29,641		$	7,151		$	30,481		$	17,743		$	—		$	125,436
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Purchased HELOC loans
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	—		$	2,251		$	—		$	2,251
Risk rating 7			—			—			—			—			—			—			117			—			117
Total			$	—		$	—		$	—		$	—		$	—		$	—		$	2,368		$	—		$	2,368
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Consumer installment:
Originated indirect paper
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	2,927		$	—		$	—		$	2,927
Risk rating 7			—			—			—			—			—			32			—			—			32
Total			$	—		$	—		$	—		$	—		$	—		$	2,959		$	—		$	—		$	2,959
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	1		$	—		$	—		$	1
Other consumer
Risk rating 1 to 5			$	738		$	1,109		$	900		$	535		$	262		$	262		$	467		$	—		$	4,273
Risk rating 7			—			2			—			—			—			—			—			—			2
Total			$	738		$	1,111		$	900		$	535		$	262		$	262		$	467		$	—		$	4,275
Current period gross charge-offs			$	—		$	3		$	10		$	—		$	—		$	—		$	4		$	—		$	17
Total loans receivable			$	108,794		$	107,708		$	155,999		$	250,363		$	333,766		$	316,755		$	72,235		$	—		$	1,345,620
Total current period gross charge-offs			$	—		$	3		$	46		$	67		$	—		$	1		$	39		$	—		$	156

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 and six months ended June 30, 2025:

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment												Total
Three months ended June 30, 2025
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	16,244					$	1,430					$	2,338					$	193											$	20,205
Charge-offs			—						(67)						—						(7)												(74)
Recoveries			52						1						—						5												58
Additions/reversals to ACL - Loans via provision for credit losses charged to operations			868						294						9						(13)												1,158
ACL - Loans, at end of period			$	17,164					$	1,658					$	2,347					$	178											$	21,347

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment												Total
Six months ended June 30, 2025
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	16,516					$	1,330					$	2,489					$	214											$	20,549
Charge-offs			(51)						(87)						—						(18)												(156)
Recoveries			92						46						1						8												147
Additions/(reversals) to ACL - Loans via provision for credit losses charged to operations			607						369						(143)						(26)												807
ACL - Loans, at end of period			$	17,164					$	1,658					$	2,347					$	178											$	21,347

The following table presents the balance and activity in the allowance for credit losses (“ACL”) - loans by portfolio segment for the three and six months ended June 30, 2024:

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment												Total
Three months ended June 30, 2024
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	18,255					$	1,166					$	2,765					$	250											$	22,436
Charge-offs			—						—						—						(12)												(12)
Recoveries			2						10						2						2												16
(Reversals)/additions to ACL - Loans via provision for credit losses charged to operations			(1,224)						(59)						17						4												(1,262)
ACL - Loans, at end of period			$	17,033					$	1,117					$	2,784					$	244											$	21,178

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment												Total
Six months ended June 30, 2024
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	18,784					$	1,105					$	2,744					$	275											$	22,908
Charge-offs			—						—						—						(17)												(17)
Recoveries			41						25						3						5												74
Additions/(reversals) to ACL - Loans via provision for credit losses charged to operations			(1,792)						(13)						37						(19)												(1,787)
ACL - Loans, at end of period			$	17,033					$	1,117					$	2,784					$	244											$	21,178

The following table presents the balance and activity in the ACL - Unfunded Commitments for the three and six months ended June 30, 2025, and the twelve months ended December 31, 2024.

						June 30, 2025 and Three Months Ended						June 30, 2025 and Six Months Ended
ACL - Unfunded Commitments - beginning of period						$	435					$	334
Additions (reversals) to ACL - Unfunded Commitments via provision for credit losses charged to operations						192						293
ACL - Unfunded Commitments - End of period						$	627					$	627

Schedule of Provision for Credit Losses

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

						June 30, 2025 and Three Months Ended						June 30, 2024 and Three Months Ended						June 30, 2025 and Six Months Ended						June 30, 2024 and Six Months Ended
Provision for credit losses on:
Loans						$	1,158					$	(1,262)					$	807					$	(1,787)
Unfunded Commitments						192						(263)						293						(538)
Total provision for credit losses						$	1,350					$	(1,525)					$	1,100					$	(2,325)

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 June 30, 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
June 30, 2025
Commercial/Agricultural real estate:
Commercial real estate			$	7,962					$	170					$	45					$	8,177																	$	683,666					$	691,843
Agricultural real estate			—						—						—						—																		68,965						68,965
Multi-family real estate			—						—						—						—																		238,823						238,823
Construction and land development			—						—						—						—																		70,008						70,008
C&I/Agricultural operating:
Commercial and industrial			—						1,324						405						1,729																		107,319						109,048
Agricultural operating			—						—						—						—																		31,895						31,895
Residential mortgage:
Residential mortgage			2,858						414						566						3,838																		121,598						125,436
Purchased HELOC loans			—						—						—						—																		2,368						2,368
Consumer installment:
Originated indirect paper			1						—						—						1																		2,958						2,959
Other consumer			12						1						—						13																		4,262						4,275
Total			$	10,833					$	1,909					$	1,016					$	13,758																	$	1,331,862					$	1,345,620
(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 June 30, 2025.

						Current						30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due
Commercial real estate						$	5,902					$	—					$	—					$	—
Agricultural real estate						200						—						—						—
Commercial and industrial						661						—						—						—
Agricultural operating						171						—						—						—
Residential mortgage						17						120						—						—
Other consumer						2						—						—						—
Total						$	6,953					$	120					$	—					$	—

The following table shows the performance of such loans that have been modified during the twelve months ended June 30, 2024.

						Current						30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due
Commercial real estate						$	4,434					$	—					$	—					$	—
Commercial and industrial						2,370						—						—						—
Residential mortgage						14						—						82						149
Total						$	6,818					$	—					$	82					$	149

Schedule of Nonaccrual Loans

The following tables present the amortized cost basis of loans on nonaccrual status and of nonaccrual loans individually evaluated at June 30, 2025, December 31, 2024, and June 30, 2024, with no allowance for credit losses:

June 30, 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			$	5,013					$	4,807					$	—
Agricultural real estate			5,447						5,247						—
C&I/Agricultural operating:
Commercial and industrial			600						453						—
Residential mortgage:
Residential mortgage			432						432						521
Purchased HELOC loans			117						117						—
Total			$	11,609					$	11,056					$	521

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

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 June 30, 2025, and December 31, 2024.

			Collateral Type
June 30, 2025			Real Estate						Other Assets						Total						Without an Allowance						With an Allowance						Allowance Allocation
Commercial/Agricultural real estate:
Commercial real estate			$	12,680					$	—					$	12,680					$	7,149					$	5,531					$	406
Agricultural real estate			5,447						—						5,447						5,246						201						99
C&I/Agricultural operating:
Commercial and industrial			—						1,916						1,916						1,066						850						162
Agricultural operating			—						—						—						—						—						—
Residential mortgage:
Residential mortgage			2,612						—						2,612						2,612						—						—
Consumer installment:
Originated indirect paper			—						32						32						32						—						—
Other consumer			—						2						2						2						—						—
Total			$	20,739					$	1,950					$	22,689					$	16,107					$	6,582					$	667

			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 June 30, 2025:

Term Extension
Loan Class						Amortized Cost Basis at June 30, 2025						% of Total Class of Financing Receivables
Commercial real estate						$	164					0.02		%
Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at June 30, 2025						% of Total Class of Financing Receivables
Commercial real estate						$	4,263					0.62		%
Agricultural real estate						$	200					0.29		%

The tables below detail Loan Modifications made to Borrowers Experiencing Financial Difficulty during the twelve months ended June 30, 2025:

Term Extension
Loan Class						Amortized Cost Basis at June 30, 2025						% of Total Class of Financing Receivables
Commercial real estate						$	164					0.02		%
Commercial and industrial						$	661					0.61		%
Agricultural operating						$	171					0.54		%
Residential mortgage						$	17					0.01		%
Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at June 30, 2025						% of Total Class of Financing Receivables
Commercial real estate						$	5,738					0.83		%
Agricultural real estate						$	200					0.29		%
Residential mortgage						$	120					0.10		%
Term Extension and Principal Forgiveness
Loan Class						Amortized Cost Basis at June 30, 2025						% of Total Class of Financing Receivables
Other consumer						$	2					—		%

The tables below detail Loan Modifications Made to Borrowers Experiencing Financial Difficulty during the three months ended June 30, 2024:

Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at June 30, 2024						% of Total Class of Financing Receivables
Commercial and industrial						$	920					0.72		%
Residential mortgage						$	163					0.12		%

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 June 30, 2025:

Term Extension
Loan Class						Financial Effect
Commercial real estate						A weighted average of 2 months was added to the term of the loan
Other-Than-Insignificant Payment Delay
Loan Class						Financial Effect
Commercial real estate						Payments were deferred a weighted average of 3 months
Agricultural real estate						Payments were deferred a weighted average of 9 months

The following tables describe the financial effect of the loan modifications made to borrowers experiencing financial difficulty during the twelve months ended June 30, 2025:

Term Extension
Loan Class						Financial Effect
Commercial real estate						A weighted average of 2 months was added to the term of the loans
Commercial and industrial						A weighted average of 13 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
Agricultural real estate						Payments were deferred a weighted average of 9 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 June 30, 2024:

Other-Than-Insignificant Payment Delay
Loan Class						Financial Effect
Commercial and industrial						Payments were deferred a weighted average of 3 months
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 June 30, 2024:

Term Extension
Loan Class						Amortized Cost Basis at June 30, 2024						% of Total Class of Financing Receivables
Commercial real estate						$	4,434					0.61		%
Commercial and industrial						$	1,450					1.14		%
Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at June 30, 2024						% of Total Class of Financing Receivables
Commercial and industrial						$	920					0.72		%
Residential mortgage						$	245					0.18		%

The following tables describe the financial effect of the loan modifications made to borrowers experiencing financial difficulty during the twelve months ended June 30, 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
Commercial and industrial						Payments were deferred a weighted average of 3 months
Residential mortgage						Payments were deferred a weighted average of 3 months

X

- Definition

Schedule of Amortized Cost Basis Of Collateral Dependent Loans

+ References

No definition available.

+ Details

Name:	czwi_ScheduleOfAmortizedCostBasisOfCollateralDependentLoansTableTextBlock
Namespace Prefix:	czwi_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Schedule Of Financial Effect Of The Modified Made To Borrowers Experiencing

+ References

No definition available.

+ Details

Name:	czwi_ScheduleOfFinancialEffectOfTheModifiedMadeToBorrowersExperiencingTableTextBlock
Namespace Prefix:	czwi_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-5

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

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 annual minimum payments due from financing receivables, such as, but not limited to accounts, notes, loans, and other financing receivables.

+ References

No definition available.

+ Details

Name:	us-gaap_ScheduleOfFinancingReceivablesMinimumPaymentsTableTextBlock
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 short-term or long-term contractual arrangements with lenders, including letters of credit, standby letters of credit, and revolving credit arrangements, under which borrowings can be made up to maximum amount as of any point in time conditional on satisfaction of specified terms before, as of and after the date of drawdowns on the line.

+ 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(22)(b))
-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(19)(b))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

+ Details

Name:	us-gaap_ScheduleOfLineOfCreditFacilitiesTextBlock
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