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Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2025
Receivables [Abstract] |
Schedule of Loans | Loans consisted of the following as of the dates indicated below: Schedule of Loans
|  | March 31, |  |  | December 31, |
(Dollars in thousands) |  | 2025 |  |  | 2024 |
One-to-four family residential real estate loans |  | $ | 355,632 |  |  | $ | 352,209 |
Construction and land loans |  |  | 28,645 |  |  |  | 25,328 |
Commercial real estate loans |  |  | 359,579 |  |  |  | 345,159 |
Commercial loans |  |  | 190,881 |  |  |  | 192,325 |
Agriculture loans |  |  | 101,808 |  |  |  | 100,562 |
Municipal loans |  |  | 7,082 |  |  |  | 7,091 |
Consumer loans |  |  | 31,297 |  |  |  | 29,679 |
Total gross loans |  |  | 1,074,924 |  |  |  | 1,052,353 |
Net deferred loan fees and loans in process |  |  | (426 | ) |  |  | (307 | )
Allowance for credit losses |  |  | (12,802 | ) |  |  | (12,825 | )
Loans, net |  | $ | 1,061,696 |  |  | $ | 1,039,221 |
Schedule of Allowance for Credit Losses on Financing Receivables | The following tables provide information on the Company’s allowance for credit losses by loan class and allowance methodology: Schedule of Allowance for Credit Losses on Financing Receivables
|  | Three months ended March 31, 2025 |
(Dollars in thousands) |  | One-to-four family residential real estate loans |  |  | Construction and land loans |  |  | Commercial real estate loans |  |  | Commercial loans |  |  | Agriculture loans |  |  | Municipal loans |  |  | Consumer loans |  |  | Total |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at January 1, 2025 |  | $ | 1,765 |  |  | $ | 143 |  |  | $ | 4,506 |  |  | $ | 4,964 |  |  | $ | 1,227 |  |  | $ | 51 |  |  | $ | 169 |  |  | $ | 12,825 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (19 | ) |  |  | - |  |  |  | - |  |  |  | (89 | ) |  |  | (108 | )
Recoveries |  |  | - |  |  |  | 5 |  |  |  | - |  |  |  | 9 |  |  |  | - |  |  |  | 6 |  |  |  | 65 |  |  |  | 85 |
Provision for credit losses |  |  | 15 |  |  |  | 1 |  |  |  | 188 |  |  |  | (265 | ) |  |  | 21 |  |  |  | (10 | ) |  |  | 50 |  |  |  | - |
Balance at March 31, 2025 |  | $ | 1,780 |  |  | $ | 149 |  |  | $ | 4,694 |  |  | $ | 4,689 |  |  | $ | 1,248 |  |  | $ | 47 |  |  | $ | 195 |  |  | $ | 12,802 |
|  | Three months ended March 31, 2024 |
(Dollars in thousands) |  | One-to-four family residential real estate loans |  |  | Construction and land loans |  |  | Commercial real estate loans |  |  | Commercial loans |  |  | Agriculture loans |  |  | Municipal loans |  |  | Consumer loans |  |  | Total |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at January 1, 2024 |  | $ | 2,035 |  |  | $ | 150 |  |  | $ | 4,518 |  |  | $ | 2,486 |  |  | $ | 1,190 |  |  | $ | 15 |  |  | $ | 214 |  |  | $ | 10,608 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (70 | ) |  |  | - |  |  |  | - |  |  |  | (71 | ) |  |  | (141 | )
Recoveries |  |  | - |  |  |  | 80 |  |  |  | - |  |  |  | 11 |  |  |  | - |  |  |  | 7 |  |  |  | 36 |  |  |  | 134 |
Provision for credit losses |  |  | 51 |  |  |  | (56 | ) |  |  | 12 |  |  |  | 224 |  |  |  | (46 | ) |  |  | 28 |  |  |  | 37 |  |  |  | 250 |
Balance at March 31, 2024 |  | $ | 2,086 |  |  | $ | 174 |  |  | $ | 4,530 |  |  | $ | 2,651 |  |  | $ | 1,144 |  |  | $ | 50 |  |  | $ | 216 |  |  | $ | 10,851 |
Schedule of Non-accrual and Loans Past Due Over 89 Days Still Accruing | The following table presents information regarding non-accrual and loans past due over 89 days and still accruing as of the dates indicated: Schedule of Non-accrual and Loans Past Due Over 89 Days Still Accruing
|  | Non-accrual with no allowance for credit loss |  |  | Non-accrual with allowance for credit losses |  |  | Loans past due over 89 days still accruing |
(Dollars in thousands) |  | As of March 31, 2025 |
|  | Non-accrual with no allowance for credit loss |  |  | Non-accrual with allowance for credit losses |  |  | Loans past due over 89 days still accruing |
One-to-four family residential real estate loans |  | $ | 105 |  |  | $ | - |  |  | $ | - |
Commercial real estate loans |  |  | 1,100 |  |  |  | - |  |  |  | - |
Commercial loans |  |  | 126 |  |  |  | 10,988 |  |  |  | - |
Agriculture loans |  |  | 961 |  |  |  | - |  |  |  | - |
Total loans |  | $ | 2,292 |  |  | $ | 10,988 |  |  | $ | - |
|  | Non-accrual with no allowance for credit loss |  |  | Non-accrual with allowance for credit losses |  |  | Loans past due over 89 days still accruing |
(Dollars in thousands) |  | As of December 31, 2024 |
|  | Non-accrual with no allowance for credit loss |  |  | Non-accrual with allowance for credit losses |  |  | Loans past due over 89 days still accruing |
One-to-four family residential real estate loans |  | $ | 34 |  |  | $ | - |  |  | $ | - |
Commercial loans |  |  | 782 |  |  |  | - |  |  |  | - |
Agriculture loans |  |  | 314 |  |  |  | 10,939 |  |  |  | - |
Consumer loans |  |  | 1,046 |  |  |  | - |  |  |  | - |
Total loans |  | $ | 2,176 |  |  | $ | 10,939 |  |  | $ | - |
Schedule of Amortized Cost Basis and Collateral Type | Schedule of Amortized Cost Basis and Collateral Type
(Dollars in thousands) |  | As of March 31, 2025
|  | Loan balance |  |  | Collateral Type
Commercial real estate loans |  | $ | 1,100 |  |  | First mortgage on commercial real estate
Commercial loans |  |  | 3,156 |  |  | Accounts receivable, equipment and real estate
Agriculture loans |  |  | 946 |  |  | Crops, livestock, machinery and real estate
Total loans |  | $ | 5,202 |  |  |
(Dollars in thousands) |  | As of December 31, 2024
|  | Loan balance |  |  | Collateral Type
One-to-four family residential real estate loans |  | $ | 34 |  |  | First mortgage on residential real estate
Commercial real estate loans |  |  | 782 |  |  | First mortgage on commercial real estate
Commercial loans |  |  | 3,150 |  |  | Accounts receivable, equipment and real estate
Agriculture loans |  |  | 1,456 |  |  | Crops, livestock, machinery and real estate
Total loans |  | $ | 5,422 |  |  |
Schedule of Past Due Financing Receivables | The following tables present information regarding the Company’s past due and non-accrual loans by loan class, as of the dates indicated: Schedule of Past Due Financing Receivables
|  | 30-59 days delinquent and accruing |  |  | 60-89 days delinquent and accruing |  |  | 90 days or more delinquent and accruing |  |  | Total past due loans accruing |  |  | Non-accrual loans |  |  | Total past due and non-accrual loans |  |  | Total loans not past due |
(Dollars in thousands) |  | As of March 31, 2025 |
|  | 30-59 days delinquent and accruing |  |  | 60-89 days delinquent and accruing |  |  | 90 days or more delinquent and accruing |  |  | Total past due loans accruing |  |  | Non-accrual loans |  |  | Total past due and non-accrual loans |  |  | Total loans not past due |
One-to-four family residential real estate loans |  | $ | 1,331 |  |  | $ | 241 |  |  | $ | - |  |  | $ | 1,572 |  |  | $ | 105 |  |  | $ | 1,677 |  |  | $ | 353,955 |
Construction and land loans |  |  | 54 |  |  |  | - |  |  |  | - |  |  |  | 54 |  |  |  | - |  |  |  | 54 |  |  |  | 28,591 |
Commercial real estate loans |  |  | 3,615 |  |  |  | 1,458 |  |  |  | - |  |  |  | 5,073 |  |  |  | 1,100 |  |  |  | 6,173 |  |  |  | 353,406 |
Commercial loans |  |  | 2,788 |  |  |  | 131 |  |  |  | - |  |  |  | 2,919 |  |  |  | 11,114 |  |  |  | 14,033 |  |  |  | 176,848 |
Agriculture loans |  |  | 266 |  |  |  | - |  |  |  | - |  |  |  | 266 |  |  |  | 961 |  |  |  | 1,227 |  |  |  | 100,581 |
Municipal loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 7,082 |
Consumer loans |  |  | 76 |  |  |  | 17 |  |  |  | - |  |  |  | 93 |  |  |  | - |  |  |  | 93 |  |  |  | 31,204 |
Total |  | $ | 8,130 |  |  | $ | 1,847 |  |  | $ | - |  |  | $ | 9,977 |  |  | $ | 13,280 |  |  | $ | 23,257 |  |  | $ | 1,051,667 |
Percent of gross loans |  |  | 0.75 | % |  |  | 0.17 | % |  |  | 0.00 | % |  |  | 0.93 | % |  |  | 1.24 | % |  |  | 2.16 | % |  |  | 97.84 | %
(Dollars in thousands) |  | As of December 31, 2024 |
|  | 30-59 days delinquent and accruing |  |  | 60-89 days delinquent and accruing |  |  | 90 days or more delinquent and accruing |  |  | Total past due loans accruing |  |  | Non-accrual loans |  |  | Total past due and non-accrual loans |  |  | Total loans not past due |
One-to-four family residential real estate loans |  | $ | 115 |  |  | $ | 323 |  |  | $ | - |  |  | $ | 438 |  |  | $ | 34 |  |  | $ | 472 |  |  | $ | 351,737 |
Construction and land loans |  |  | - |  |  |  | 118 |  |  |  | - |  |  |  | 118 |  |  |  | - |  |  | $ | 118 |  |  |  | 25,210 |
Commercial real estate loans |  |  | 1,083 |  |  |  | 3,081 |  |  |  | - |  |  |  | 4,164 |  |  |  | 782 |  |  | $ | 4,946 |  |  |  | 340,213 |
Commercial loans |  |  | 500 |  |  |  | 59 |  |  |  | - |  |  |  | 559 |  |  |  | 11,253 |  |  | $ | 11,812 |  |  |  | 180,513 |
Agriculture loans |  |  | 864 |  |  |  | - |  |  |  | - |  |  |  | 864 |  |  |  | 1,046 |  |  | $ | 1,910 |  |  |  | 98,652 |
Municipal loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  | $ | - |  |  |  | 7,091 |
Consumer loans |  |  | 33 |  |  |  | 25 |  |  |  | - |  |  |  | 58 |  |  |  | - |  |  | $ | 58 |  |  |  | 29,621 |
Total |  | $ | 2,595 |  |  | $ | 3,606 |  |  | $ | - |  |  | $ | 6,201 |  |  | $ | 13,115 |  |  | $ | 19,316 |  |  | $ | 1,033,037 |
Percent of gross loans |  |  | 0.25 | % |  |  | 0.34 | % |  |  | 0.00 | % |  |  | 0.59 | % |  |  | 1.25 | % |  |  | 1.84 | % |  |  | 98.16 | %
Schedule of Troubled Debt Restructurings on Financings Receivables and Year of Origination | The following table presents information regarding the Company’s risk category of loans by type and year of origination, as of the dates indicated: Schedule of Troubled Debt Restructurings on Financings Receivables and Year of Origination
(Dollars in thousands) |  | As of March 31, 2025 |
|  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | Revolving loans amortized cost |  |  | Revolving loans converted to term |  |  | Total |
One-to-four family residential real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 14,788 |  |  | $ | 84,391 |  |  | $ | 82,891 |  |  | $ | 73,560 |  |  | $ | 36,091 |  |  | $ | 58,909 |  |  | $ | 4,831 |  |  | $ | 115 |  |  | $ | 355,576 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 56 |  |  |  | - |  |  |  | - |  |  |  | 56 |
Total |  | $ | 14,788 |  |  | $ | 84,391 |  |  | $ | 82,891 |  |  | $ | 73,560 |  |  | $ | 36,091 |  |  | $ | 58,965 |  |  | $ | 4,831 |  |  | $ | 115 |  |  | $ | 355,632 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Construction and land loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 3,660 |  |  | $ | 5,638 |  |  | $ | 11,907 |  |  | $ | 1,804 |  |  | $ | 1,672 |  |  | $ | 3,864 |  |  | $ | 100 |  |  | $ | - |  |  | $ | 28,645 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 3,660 |  |  | $ | 5,638 |  |  | $ | 11,907 |  |  | $ | 1,804 |  |  | $ | 1,672 |  |  | $ | 3,864 |  |  | $ | 100 |  |  | $ | - |  |  | $ | 28,645 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Commercial real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 21,185 |  |  | $ | 58,840 |  |  | $ | 48,944 |  |  | $ | 64,410 |  |  | $ | 53,222 |  |  | $ | 106,907 |  |  | $ | 3,141 |  |  | $ | 83 |  |  |  | 356,732 |
Classified |  |  | - |  |  |  | 817 |  |  |  | - |  |  |  | - |  |  |  | 475 |  |  |  | 1,555 |  |  |  | - |  |  |  | - |  |  |  | 2,847 |
Total |  | $ | 21,185 |  |  | $ | 59,657 |  |  | $ | 48,944 |  |  | $ | 64,410 |  |  | $ | 53,697 |  |  | $ | 108,462 |  |  | $ | 3,141 |  |  | $ | 83 |  |  | $ | 359,579 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 10,469 |  |  | $ | 34,142 |  |  | $ | 20,044 |  |  | $ | 19,767 |  |  | $ | 9,235 |  |  | $ | 9,157 |  |  | $ | 66,832 |  |  | $ | 116 |  |  | $ | 169,762 |
Classified |  |  | 461 |  |  |  | 11,030 |  |  |  | 1,666 |  |  |  | 1,875 |  |  |  | 34 |  |  |  | 3,484 |  |  |  | 1,604 |  |  |  | 965 |  |  |  | 21,119 |
Total |  | $ | 10,930 |  |  | $ | 45,172 |  |  | $ | 21,710 |  |  | $ | 21,642 |  |  | $ | 9,269 |  |  | $ | 12,641 |  |  | $ | 68,436 |  |  | $ | 1,081 |  |  | $ | 190,881 |
Gross charge-offs |  | $ | - |  |  | $ | 8 |  |  | $ | - |  |  | $ | - |  |  | $ | 11 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 19 |
Agriculture loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 4,505 |  |  | $ | 18,762 |  |  | $ | 3,452 |  |  | $ | 8,027 |  |  | $ | 3,552 |  |  | $ | 16,343 |  |  | $ | 43,098 |  |  | $ | 209 |  |  | $ | 97,948 |
Classified |  |  | - |  |  |  | 1,736 |  |  |  | 61 |  |  |  | 256 |  |  |  | 417 |  |  |  | 80 |  |  |  | 1,310 |  |  |  | - |  |  |  | 3,860 |
Total |  | $ | 4,505 |  |  | $ | 20,498 |  |  | $ | 3,513 |  |  | $ | 8,283 |  |  | $ | 3,969 |  |  | $ | 16,423 |  |  | $ | 44,408 |  |  | $ | 209 |  |  | $ | 101,808 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Municipal loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | - |  |  | $ | - |  |  | $ | 5,552 |  |  | $ | 81 |  |  | $ | - |  |  | $ | 1,449 |  |  | $ | - |  |  | $ | - |  |  | $ | 7,082 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | - |  |  | $ | - |  |  | $ | 5,552 |  |  | $ | 81 |  |  | $ | - |  |  | $ | 1,449 |  |  | $ | - |  |  | $ | - |  |  | $ | 7,082 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 3,337 |  |  | $ | 1,966 |  |  | $ | 3,052 |  |  | $ | 574 |  |  | $ | 988 |  |  | $ | 3,171 |  |  | $ | 18,116 |  |  | $ | 93 |  |  | $ | 31,297 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 3,337 |  |  | $ | 1,966 |  |  | $ | 3,052 |  |  | $ | 574 |  |  | $ | 988 |  |  | $ | 3,171 |  |  | $ | 18,116 |  |  | $ | 93 |  |  | $ | 31,297 |
Gross charge-offs |  | $ | 89 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 89 |
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 57,944 |  |  | $ | 203,739 |  |  | $ | 175,842 |  |  | $ | 168,223 |  |  | $ | 104,760 |  |  | $ | 199,800 |  |  | $ | 136,118 |  |  | $ | 616 |  |  | $ | 1,047,042 |
Classified |  |  | 461 |  |  |  | 13,583 |  |  |  | 1,727 |  |  |  | 2,131 |  |  |  | 926 |  |  |  | 5,175 |  |  |  | 2,914 |  |  |  | 965 |  |  |  | 27,882 |
Total |  | $ | 58,405 |  |  | $ | 217,322 |  |  | $ | 177,569 |  |  | $ | 170,354 |  |  | $ | 105,686 |  |  | $ | 204,975 |  |  | $ | 139,032 |  |  | $ | 1,581 |  |  | $ | 1,074,924 |
Gross charge-offs for the three months ended March 31, 2025 |  | $ | 89 |  |  | $ | 8 |  |  | $ | - |  |  | $ | - |  |  | $ | 11 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 108 |
|  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Revolving loans amortized cost |  |  | Revolving loans converted to term |  |  | Total |
(Dollars in thousands) |  | As of December 31, 2024 |
|  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Revolving loans amortized cost |  |  | Revolving loans converted to term |  |  | Total |
One-to-four family residential real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 86,701 |  |  | $ | 84,467 |  |  | $ | 75,517 |  |  | $ | 37,411 |  |  | $ | 27,293 |  |  | $ | 35,112 |  |  | $ | 5,552 |  |  | $ | 122 |  |  | $ | 352,175 |
Classified |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 34 |  |  | $ | - |  |  | $ | - |  |  | $ | 34 |
Total |  | $ | 86,701 |  |  | $ | 84,467 |  |  | $ | 75,517 |  |  | $ | 37,411 |  |  | $ | 27,293 |  |  | $ | 35,146 |  |  | $ | 5,552 |  |  | $ | 122 |  |  | $ | 352,209 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Construction and land loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 6,481 |  |  | $ | 11,202 |  |  | $ | 1,937 |  |  | $ | 1,697 |  |  | $ | 2,569 |  |  | $ | 1,340 |  |  | $ | 102 |  |  | $ | - |  |  | $ | 25,328 |
Classified |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Total |  | $ | 6,481 |  |  | $ | 11,202 |  |  | $ | 1,937 |  |  | $ | 1,697 |  |  | $ | 2,569 |  |  | $ | 1,340 |  |  | $ | 102 |  |  | $ | - |  |  | $ | 25,328 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Commercial real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 59,717 |  |  | $ | 47,624 |  |  | $ | 68,854 |  |  | $ | 53,868 |  |  | $ | 41,862 |  |  | $ | 67,351 |  |  | $ | 3,217 |  |  | $ | 85 |  |  | $ | 342,578 |
Classified |  | $ | 360 |  |  | $ | - |  |  | $ | - |  |  | $ | 476 |  |  | $ | 151 |  |  | $ | 1,594 |  |  | $ | - |  |  | $ | - |  |  | $ | 2,581 |
Total |  | $ | 60,077 |  |  | $ | 47,624 |  |  | $ | 68,854 |  |  | $ | 54,344 |  |  | $ | 42,013 |  |  | $ | 68,945 |  |  | $ | 3,217 |  |  | $ | 85 |  |  | $ | 345,159 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 31,083 |  |  | $ | 27,158 |  |  | $ | 23,574 |  |  | $ | 9,813 |  |  | $ | 7,930 |  |  | $ | 2,203 |  |  | $ | 68,282 |  |  | $ | 135 |  |  | $ | 170,178 |
Classified |  | $ | 11,364 |  |  | $ | 1,851 |  |  | $ | 1,897 |  |  | $ | 39 |  |  | $ | 3,637 |  |  | $ | 13 |  |  | $ | 1,969 |  |  | $ | 1,377 |  |  | $ | 22,147 |
Total |  | $ | 42,447 |  |  | $ | 29,009 |  |  | $ | 25,471 |  |  | $ | 9,852 |  |  | $ | 11,567 |  |  | $ | 2,216 |  |  | $ | 70,251 |  |  | $ | 1,512 |  |  | $ | 192,325 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | 16 |  |  | $ | 114 |  |  | $ | 56 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 186 |
Agriculture loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 21,379 |  |  | $ | 3,659 |  |  | $ | 8,404 |  |  | $ | 3,616 |  |  | $ | 3,297 |  |  | $ | 14,215 |  |  | $ | 44,458 |  |  | $ | 217 |  |  | $ | 99,245 |
Classified |  | $ | 29 |  |  | $ | 178 |  |  | $ | 257 |  |  | $ | 419 |  |  | $ | 9 |  |  | $ | 73 |  |  | $ | 352 |  |  | $ | - |  |  | $ | 1,317 |
Total |  | $ | 21,408 |  |  | $ | 3,837 |  |  | $ | 8,661 |  |  | $ | 4,035 |  |  | $ | 3,306 |  |  | $ | 14,288 |  |  | $ | 44,810 |  |  | $ | 217 |  |  | $ | 100,562 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 64 |  |  | $ | - |  |  | $ | - |  |  | $ | 64 |
Municipal loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 5,565 |  |  | $ | - |  |  | $ | 90 |  |  | $ | - |  |  | $ | - |  |  | $ | 1,436 |  |  | $ | - |  |  | $ | - |  |  | $ | 7,091 |
Classified |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Total |  | $ | 5,565 |  |  | $ | - |  |  | $ | 90 |  |  | $ | - |  |  | $ | - |  |  | $ | 1,436 |  |  | $ | - |  |  | $ | - |  |  | $ | 7,091 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 2,850 |  |  | $ | 3,229 |  |  | $ | 645 |  |  | $ | 1,072 |  |  | $ | 682 |  |  | $ | 3,167 |  |  | $ | 17,896 |  |  | $ | 138 |  |  | $ | 29,679 |
Classified |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Total |  | $ | 2,850 |  |  | $ | 3,229 |  |  | $ | 645 |  |  | $ | 1,072 |  |  | $ | 682 |  |  | $ | 3,167 |  |  | $ | 17,896 |  |  | $ | 138 |  |  | $ | 29,679 |
Gross charge-offs |  | $ | 376 |  |  | $ | 7 |  |  | $ | 1 |  |  | $ | - |  |  | $ | - |  |  | $ | 24 |  |  | $ | - |  |  | $ | 1 |  |  | $ | 409 |
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 213,776 |  |  | $ | 177,339 |  |  | $ | 179,021 |  |  | $ | 107,477 |  |  | $ | 83,633 |  |  | $ | 124,824 |  |  | $ | 139,507 |  |  | $ | 697 |  |  | $ | 1,026,274 |
Classified |  | $ | 11,753 |  |  | $ | 2,029 |  |  | $ | 2,154 |  |  | $ | 934 |  |  | $ | 3,797 |  |  | $ | 1,714 |  |  | $ | 2,321 |  |  | $ | 1,377 |  |  | $ | 26,079 |
Total |  | $ | 225,529 |  |  | $ | 179,368 |  |  | $ | 181,175 |  |  | $ | 108,411 |  |  | $ | 87,430 |  |  | $ | 126,538 |  |  | $ | 141,828 |  |  | $ | 2,074 |  |  | $ | 1,052,353 |
Gross charge-offs for the year ended December 31, 2024 |  | $ | 376 |  |  | $ | 7 |  |  | $ | 17 |  |  | $ | 114 |  |  | $ | 56 |  |  | $ | 88 |  |  | $ | - |  |  | $ | 1 |  |  | $ | 659 |
Gross charge-offs |  | $ | 376 |  |  | $ | 7 |  |  | $ | 17 |  |  | $ | 114 |  |  | $ | 56 |  |  | $ | 88 |  |  | $ | - |  |  | $ | 1 |  |  | $ | 659 |
Schedule of Allowance for Credit Losses Related to Unfunded Loan Commitments | The following table provides information regarding the Company’s allowance for credit losses related to unfunded loan commitments for the periods indicated: Schedule of Allowance for Credit Losses Related to Unfunded Loan Commitments
|  | 2025 |  |  | 2024 |
|  | Three months ended |
(dollars in thousands) |  | March 31, |
|  | 2025 |  |  | 2024 |
Balance at beginning of period |  | $ | 150 |  |  |  | 250 |
Provision for credit losses |  |  | - |  |  |  | 50 |
Balance at end of period |  | $ | 150 |  |  | $ | 300 |
Schedule of Troubled Debt Restructurings | Schedule of Troubled Debt Restructurings
(Dollars in thousands) |  | As of March 31, 2025
|  | Amortized cost basis |  |  | % of loan class total |  |  | Financial effect
Term extension: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 282 |  |  |  | 0.1 | % |  | Renewal of existing loan
(Dollars in thousands) |  | As of March 31, 2024
|  | Amortized cost basis |  |  | % of loan class total |  |  | Financial effect
Term extension: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 137 |  |  |  | 0.1 | % |  | 90 day payment deferral

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