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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)

9 Months Ended

Sep. 30, 2025

Receivables [Abstract]

Schedule of Loans

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

			September 30, 2025															December 31, 2024
						Amortized Cost						% of Total						Amortized Cost						% of Total
Commercial/Agricultural real estate:
Commercial real estate						$	682,440					51.6		%				$	707,009					51.7		%
Agricultural real estate						64,001						4.8		%				72,738						5.3		%
Multi-family real estate						237,068						17.9		%				220,706						16.1		%
Construction and land development						74,354						5.6		%				78,146						5.7		%
C&I/Agricultural operating:
Commercial and industrial						101,535						7.7		%				115,535						8.4		%
Agricultural operating						30,078						2.3		%				31,017						2.3		%
Residential mortgage:
Residential mortgage						124,834						9.4		%				131,892						9.6		%
Purchased HELOC loans						1,979						0.2		%				2,956						0.2		%
Consumer installment:
Originated indirect paper						2,566						0.2		%				3,970						0.3		%
Other consumer						4,155						0.3		%				5,012						0.4		%
Total loans receivable						$	1,323,010					100		%				$	1,368,981					100		%
Less: Allowance for credit losses						(22,182)												(20,549)
Net loans receivable						$	1,300,828											$	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 September 30, 2025, and gross charge-offs for the nine months ended September 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			$	49,611		$	48,332		$	73,187		$	99,390		$	195,318		$	189,575		$	8,917		$	—		$	664,330
Risk rating 6			—			776			119			2,207			2,794			3,481			24			—			9,401
Risk rating 7			—			170			1,318			1,091			1,969			4,161			—			—			8,709
Total			$	49,611		$	49,278		$	74,624		$	102,688		$	200,081		$	197,217		$	8,941		$	—		$	682,440
Current period gross charge-offs			$	—		$	—		$	—		$	51		$	—		$	—		$	—		$	—		$	51
Agricultural real estate
Risk rating 1 to 5			$	13,527		$	2,551		$	6,197		$	16,190		$	9,466		$	15,055		$	656		$	—		$	63,642
Risk rating 6			—			—			—			—			—			139			—			—			139
Risk rating 7			—			—			197			—			—			23			—			—			220
Total			$	13,527		$	2,551		$	6,394		$	16,190		$	9,466		$	15,217		$	656		$	—		$	64,001
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Multi-family real estate
Risk rating 1 to 5			$	20,683		$	8,633		$	7,671		$	56,177		$	88,708		$	45,846		$	380		$	—		$	228,098
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			8,970			—			—			—			8,970
Total			$	20,683		$	8,633		$	7,671		$	56,177		$	97,678		$	45,846		$	380		$	—		$	237,068
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Construction and land development
Risk rating 1 to 5			$	22,682		$	13,350		$	26,836		$	9,012		$	259		$	1,981		$	234		$	—		$	74,354
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	22,682		$	13,350		$	26,836		$	9,012		$	259		$	1,981		$	234		$	—		$	74,354
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Commercial/Agricultural operating:
Commercial and industrial
Risk rating 1 to 5			$	12,127		$	16,854		$	8,390		$	20,059		$	8,871		$	9,419		$	18,446		$	—		$	94,166
Risk rating 6			230			794			1,435			2,221			61			138			556			—			5,435
Risk rating 7			—			—			280			741			381			—			532			—			1,934
Total			$	12,357		$	17,648		$	10,105		$	23,021		$	9,313		$	9,557		$	19,534		$	—		$	101,535
Current period gross charge-offs			$	—		$	—		$	36		$	23		$	—		$	—		$	35		$	—		$	94
Agricultural operating
Risk rating 1 to 5			$	3,944		$	1,181		$	2,501		$	2,212		$	375		$	948		$	18,438		$	—		$	29,599
Risk rating 6			—			—			46			—			30			203			200			—			479
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	3,944		$	1,181		$	2,547		$	2,212		$	405		$	1,151		$	18,638		$	—		$	30,078
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			$	8,649		$	9,883		$	24,140		$	29,056		$	6,753		$	27,094		$	16,916		$	—		$	122,491
Risk rating 7			—			—			—			—			134			2,109			100			—			2,343
Total			$	8,649		$	9,883		$	24,140		$	29,056		$	6,887		$	29,203		$	17,016		$	—		$	124,834
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Purchased HELOC loans
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	—		$	1,862		$	—		$	1,862
Risk rating 7			—			—			—			—			—			—			117			—			117
Total			$	—		$	—		$	—		$	—		$	—		$	—		$	1,979		$	—		$	1,979
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Consumer installment:
Originated indirect paper
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	2,536		$	—		$	—		$	2,536
Risk rating 7			—			—			—			—			—			30			—			—			30
Total			$	—		$	—		$	—		$	—		$	—		$	2,566		$	—		$	—		$	2,566
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	1		$	—		$	—		$	1
Other consumer
Risk rating 1 to 5			$	1,142		$	942		$	782		$	462		$	208		$	168		$	448		$	—		$	4,152
Risk rating 7			—			1			—			—			—			—			2			—			3
Total			$	1,142		$	943		$	782		$	462		$	208		$	168		$	450		$	—		$	4,155
Current period gross charge-offs			$	—		$	3		$	10		$	—		$	—		$	—		$	4		$	—		$	17
Total loans receivable			$	132,595		$	103,467		$	153,099		$	238,818		$	324,297		$	302,906		$	67,828		$	—		$	1,323,010
Total current period gross charge-offs			$	—		$	3		$	46		$	74		$	—		$	1		$	39		$	—		$	163

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 nine months ended September 30, 2025:

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment												Total
Three months ended September 30, 2025
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	17,164					$	1,658					$	2,347					$	178											$	21,347
Charge-offs			—						(7)						—						—												(7)
Recoveries			—						3						52						3												58
Additions/reversals to ACL - Loans via provision for credit losses charged to operations			388						490						(76)						(18)												784
ACL - Loans, at end of period			$	17,552					$	2,144					$	2,323					$	163											$	22,182

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment												Total
Nine months ended September 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)						(94)						—						(18)												(163)
Recoveries			92						49						53						11												205
Additions/(reversals) to ACL - Loans via provision for credit losses charged to operations			995						859						(219)						(44)												1,591
ACL - Loans, at end of period			$	17,552					$	2,144					$	2,323					$	163											$	22,182

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

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment												Total
Three months ended September 30, 2024
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	17,033					$	1,117					$	2,784					$	244											$	21,178
Charge-offs			(39)						—						(4)						(11)												(54)
Recoveries			5						10						4						5												24
(Reversals)/additions to ACL - Loans via provision for credit losses charged to operations			(76)						224						(290)						(6)												(148)
ACL - Loans, at end of period			$	16,923					$	1,351					$	2,494					$	232											$	21,000

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment												Total
Nine months ended September 30, 2024
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	18,784					$	1,105					$	2,744					$	275											$	22,908
Charge-offs			(39)						—						(4)						(28)												(71)
Recoveries			46						35						7						10												98
Additions/(reversals) to ACL - Loans via provision for credit losses charged to operations			(1,868)						211						(253)						(25)												(1,935)
ACL - Loans, at end of period			$	16,923					$	1,351					$	2,494					$	232											$	21,000

The following table presents the balance and activity in the ACL - Unfunded Commitments for the three and nine months ended September 30, 2025.

						September 30, 2025 and Three Months Ended						September 30, 2025 and Nine Months Ended
ACL - Unfunded Commitments - beginning of period						$	627					$	334
Additions (reversals) to ACL - Unfunded Commitments via provision for credit losses charged to operations						(134)						159
ACL - Unfunded Commitments - End of period						$	493					$	493

Schedule of Provision for Credit Losses

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

						September 30, 2025 and Three Months Ended						September 30, 2024 and Three Months Ended						September 30, 2025 and Nine Months Ended						September 30, 2024 and Nine Months Ended
Provision for credit losses on:
Loans						$	784					$	(148)					$	1,591					$	(1,935)
Unfunded Commitments						(134)						(252)						159						(790)
Total provision for credit losses						$	650					$	(400)					$	1,750					$	(2,725)

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 September 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
September 30, 2025
Commercial/Agricultural real estate:
Commercial real estate			$	3,401					$	1,063					$	216					$	4,680																	$	677,760					$	682,440
Agricultural real estate			197						—						—						197																		63,804						64,001
Multi-family real estate			—						8,970						—						8,970																		228,098						237,068
Construction and land development			—						—						—						—																		74,354						74,354
C&I/Agricultural operating:
Commercial and industrial			277						—						436						713																		100,822						101,535
Agricultural operating			—						—						—						—																		30,078						30,078
Residential mortgage:
Residential mortgage			1,114						208						181						1,503																		123,331						124,834
Purchased HELOC loans			—						—						—						—																		1,979						1,979
Consumer installment:
Originated indirect paper			18						—						—						18																		2,548						2,566
Other consumer			6						9						2						17																		4,138						4,155
Total			$	5,013					$	10,250					$	835					$	16,098																	$	1,306,912					$	1,323,010
(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 September 30, 2025.

						Current						30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due
Commercial real estate						$	4,263					$	—					$	—					$	—
Agricultural real estate						—						197						—						—
Commercial and industrial						598						—						—						48
Agricultural operating						200						—						—						—
Residential mortgage						13						120						—						—
Other consumer						1						—						—						—
Total						$	5,075					$	317					$	—					$	48

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

						Current						30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due
Commercial real estate						$	1,182					$	—					$	—					$	—
Commercial and industrial						2,336						—						—						—
Residential mortgage						163						—						82						—
Other consumer						1						—						—						—
Total						$	3,682					$	—					$	82					$	—

Schedule of Nonaccrual Loans

The following tables present the amortized cost basis of loans on nonaccrual status, of nonaccrual loans individually evaluated and of loans past due over 89 days and still accruing at September 30, 2025 and December 31, 2024, with no allowance for credit losses:

September 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			$	4,592					$	4,390					$	—
Agricultural real estate			220						22						—
Multi-family real estate			8,970						—						—
C&I/Agricultural operating:
Commercial and industrial			1,312						331						—
Residential mortgage:
Residential mortgage			403						403						134
Purchased HELOC loans			117						117						—
Consumer installment:
Other consumer			—						—						2
Total			$	15,614					$	5,263					$	136

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 September 30, 2025, and December 31, 2024.

			Collateral Type
September 30, 2025			Real Estate						Other Assets						Total						Without an Allowance						With an Allowance						Allowance Allocation
Commercial/Agricultural real estate:
Commercial real estate			$	9,038					$	—					$	9,038					$	6,799					$	2,239					$	363
Agricultural real estate			220						—						220						23						197						99
Multi-family real estate			8,970						—						8,970						—						8,970						934
C&I/Agricultural operating:
Commercial and industrial			—						2,752						2,752						1,082						1,670						458
Agricultural operating			—						—						—						—						—						—
Residential mortgage:
Residential mortgage			2,346						—						2,346						2,346						—						—
Consumer installment:
Originated indirect paper			—						29						29						29						—						—
Other consumer			—						3						3						3						—						—
Total			$	20,574					$	2,784					$	23,358					$	10,282					$	13,076					$	1,854

			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

There were no Loan Modifications Made to Borrowers Experiencing Financial Difficulty during the three months ended September 30, 2025.

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

Term Extension
Loan Class						Amortized Cost Basis at September 30, 2025						% of Total Class of Financing Receivables
Commercial and industrial						$	646					0.64		%
Agricultural operating						$	200					0.66		%
Residential mortgage						$	13					0.01		%
Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at September 30, 2025						% of Total Class of Financing Receivables
Commercial real estate						$	4,263					0.62		%
Agricultural real estate						$	197					0.31		%
Residential mortgage						$	120					0.10		%
Term Extension and Principal Forgiveness
Loan Class						Amortized Cost Basis at September 30, 2025						% of Total Class of Financing Receivables
Other consumer						$	1					0.02		%

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

						Term Extension
Loan Class						Amortized Cost Basis at September 30, 2024						% of Total Class of Financing Receivables
Residential mortgage						$	5					—		%
Other consumer						$	1					0.02		%
Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at September 30, 2024						% of Total Class of Financing Receivables
Commercial real estate						$	1,182					0.16		%

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 twelve months ended September 30, 2025:

Term Extension
Loan Class						Financial Effect
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 61 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 September 30, 2024:

Term Extension
Loan Class						Financial Effect
Residential mortgage						A weighted average of 36 months was added to the term of the loans
Other consumer						A weighted average of 12 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

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

Term Extension
Loan Class						Amortized Cost Basis at September 30, 2024						% of Total Class of Financing Receivables
Commercial and industrial						$	1,500					1.26		%
Residential mortgage						$	5					—		%
Other consumer						$	1					0.02		%
Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at September 30, 2024						% of Total Class of Financing Receivables
Commercial real estate						$	1,182					0.16		%
Commercial and industrial						$	836					0.70		%
Residential mortgage						$	240					0.18		%

The following tables describe the financial effect of the loan modifications made to borrowers experiencing financial difficulty during the twelve months ended September 30, 2024:

Term Extension
Loan Class						Financial Effect
Commercial and industrial						A weighted average of 11 months was added to the term of the loans
Residential mortgage						A weighted average of 36 months was added to the term of the loans
Other consumer						A weighted average of 12 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

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