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Loans and Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2025
Receivables [Abstract] |
Schedule of Loans | Loans consisted of the following as of the dates indicated below: Schedule of Loans
|  | June 30, |  |  | December 31, |
(Dollars in thousands) |  | 2025 |  |  | 2024 |
One-to-four family residential real estate loans |  | $ | 377,133 |  |  | $ | 352,209 |
Construction and land loans |  |  | 26,373 |  |  |  | 25,328 |
Commercial real estate loans |  |  | 370,455 |  |  |  | 345,159 |
Commercial loans |  |  | 204,303 |  |  |  | 192,325 |
Agriculture loans |  |  | 100,348 |  |  |  | 100,562 |
Municipal loans |  |  | 6,938 |  |  |  | 7,091 |
Consumer loans |  |  | 32,234 |  |  |  | 29,679 |
Total gross loans |  |  | 1,117,784 |  |  |  | 1,052,353 |
Net deferred loan fees and loans in process |  |  | (615 | ) |  |  | (307 | )
Allowance for credit losses |  |  | (13,762 | ) |  |  | (12,825 | )
Loans, net |  | $ | 1,103,407 |  |  | $ | 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 for the three and six months ended June 30, 2025 and 2024: Schedule of Allowance for Credit Losses on Financing Receivables
|  | Three months and six months ended June 30, 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 April 1, 2025 |  | $ | 1,780 |  |  | $ | 149 |  |  | $ | 4,694 |  |  | $ | 4,689 |  |  | $ | 1,248 |  |  | $ | 47 |  |  | $ | 195 |  |  | $ | 12,802 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (103 | ) |  |  | (103 | )
Recoveries |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 5 |  |  |  | - |  |  |  | - |  |  |  | 58 |  |  |  | 63 |
Provision for credit losses |  |  | 8 |  |  |  | (18 | ) |  |  | 382 |  |  |  | 589 |  |  |  | 19 |  |  |  | (2 | ) |  |  | 22 |  |  |  | 1,000 |
Balance at June 30, 2025 |  | $ | 1,788 |  |  | $ | 131 |  |  | $ | 5,076 |  |  | $ | 5,283 |  |  | $ | 1,267 |  |  | $ | 45 |  |  | $ | 172 |  |  | $ | 13,762 |
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 | ) |  |  | - |  |  |  | - |  |  |  | (192 | ) |  |  | (211 | )
Recoveries |  |  | - |  |  |  | 5 |  |  |  | - |  |  |  | 14 |  |  |  | - |  |  |  | 6 |  |  |  | 123 |  |  |  | 148 |
Provision for credit losses |  |  | 23 |  |  |  | (17 | ) |  |  | 570 |  |  |  | 324 |  |  |  | 40 |  |  |  | (12 | ) |  |  | 72 |  |  |  | 1,000 |
Balance at June 30, 2025 |  | $ | 1,788 |  |  | $ | 131 |  |  | $ | 5,076 |  |  | $ | 5,283 |  |  | $ | 1,267 |  |  | $ | 45 |  |  | $ | 172 |  |  | $ | 13,762 |
|  | Three months and six months ended June 30, 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 April 1, 2024 |  | $ | 2,086 |  |  | $ | 174 |  |  | $ | 4,530 |  |  | $ | 2,651 |  |  | $ | 1,144 |  |  | $ | 50 |  |  | $ | 216 |  |  | $ | 10,851 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (13 | ) |  |  | - |  |  |  | - |  |  |  | (106 | ) |  |  | (119 | )
Recoveries |  |  | - |  |  |  | 120 |  |  |  | - |  |  |  | 9 |  |  |  | - |  |  |  | 5 |  |  |  | 37 |  |  |  | 171 |
Provision for credit losses |  |  | (66 | ) |  |  | (74 | ) |  |  | (15 | ) |  |  | 131 |  |  |  | (26 | ) |  |  | - |  |  |  | 50 |  |  |  | - |
Balance at June 30, 2024 |  | $ | 2,020 |  |  | $ | 220 |  |  | $ | 4,515 |  |  | $ | 2,778 |  |  | $ | 1,118 |  |  | $ | 55 |  |  | $ | 197 |  |  | $ | 10,903 |
(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 |
Balance |  | $ | 2,035 |  |  | $ | 150 |  |  | $ | 4,518 |  |  | $ | 2,486 |  |  | $ | 1,190 |  |  | $ | 15 |  |  | $ | 214 |  |  | $ | 10,608 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (83 | ) |  |  | - |  |  |  | - |  |  |  | (177 | ) |  |  | (260 | )
Recoveries |  |  | - |  |  |  | 200 |  |  |  | - |  |  |  | 20 |  |  |  | - |  |  |  | 12 |  |  |  | 73 |  |  |  | 305 |
Provision for credit losses |  |  | (15 | ) |  |  | (130 | ) |  |  | (3 | ) |  |  | 355 |  |  |  | (72 | ) |  |  | 28 |  |  |  | 87 |  |  |  | 250 |
Balance at June 30, 2024 |  | $ | 2,020 |  |  | $ | 220 |  |  | $ | 4,515 |  |  | $ | 2,778 |  |  | $ | 1,118 |  |  | $ | 55 |  |  | $ | 197 |  |  | $ | 10,903 |
Balance |  | $ | 2,020 |  |  | $ | 220 |  |  | $ | 4,515 |  |  | $ | 2,778 |  |  | $ | 1,118 |  |  | $ | 55 |  |  | $ | 197 |  |  | $ | 10,903 |
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 |
|  | As of June 30, 2025 |
(Dollars in thousands) |  | 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 |  | $ | 82 |  |  | $ | - |  |  | $ | - |
Commercial real estate loans |  |  | 4,690 |  |  |  | - |  |  |  | - |
Commercial loans |  |  | 412 |  |  |  | 10,789 |  |  |  | - |
Agriculture loans |  |  | 961 |  |  |  | 50 |  |  |  | - |
Total loans |  | $ | 6,145 |  |  | $ | 10,839 |  |  | $ | - |
|  | Non-accrual with no allowance for credit loss |  |  | Non-accrual with allowance for credit losses |  |  | Loans past due over 89 days still accruing |
|  | As of December 31, 2024 |
(Dollars in thousands) |  | 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 real estate loans |  |  | 782 |  |  |  | - |  |  |  | - |
Commercial loans |  |  | 314 |  |  |  | 10,939 |  |  |  | - |
Agriculture 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
|  | As of June 30, 2025
(Dollars in thousands) |  |  | Loan balance |  |  | Collateral Type
One-to-four family residential real estate loans |  | $ | 82 |  |  | First mortgage on residential real estate
Commercial real estate loans |  |  | 4,690 |  |  | First mortgage on commercial real estate
Commercial loans |  |  | 11,201 |  |  | Various business asset including real estate
Agriculture loans |  |  | 1,011 |  |  | Crops, livestock, machinery and real estate
Total loans |  | $ | 16,984 |  |  |
|  | As of December 31, 2024
(Dollars in thousands) |  |  | 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 |  |  | Various business asset including 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 |
|  | As of June 30, 2025 |
(Dollars in thousands) |  | 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 |  | $ | 110 |  |  | $ | 382 |  |  | $ | - |  |  | $ | 492 |  |  | $ | 82 |  |  | $ | 574 |  |  | $ | 376,559 |
Construction and land loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 26,373 |
Commercial real estate loans |  |  | 33 |  |  |  | 702 |  |  |  | - |  |  |  | 735 |  |  |  | 4,690 |  |  |  | 5,425 |  |  |  | 365,030 |
Commercial loans |  |  | 2,156 |  |  |  | 693 |  |  |  | - |  |  |  | 2,849 |  |  |  | 11,201 |  |  |  | 14,050 |  |  |  | 190,253 |
Agriculture loans |  |  | 146 |  |  |  | - |  |  |  | - |  |  |  | 146 |  |  |  | 1,011 |  |  |  | 1,157 |  |  |  | 99,191 |
Municipal loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 6,938 |
Consumer loans |  |  | 29 |  |  |  | 70 |  |  |  | - |  |  |  | 99 |  |  |  | - |  |  |  | 99 |  |  |  | 32,135 |
Total |  | $ | 2,474 |  |  | $ | 1,847 |  |  | $ | - |  |  | $ | 4,321 |  |  | $ | 16,984 |  |  | $ | 21,305 |  |  | $ | 1,096,479 |
Percent of gross loans |  |  | 0.22 | % |  |  | 0.17 | % |  |  | 0.00 | % |  |  | 0.39 | % |  |  | 1.52 | % |  |  | 1.91 | % |  |  | 98.09 | %
|  | As of December 31, 2024 |
(Dollars in thousands) |  | 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
|  | As of June 30, 2025 |
(Dollars in thousands) |  | 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 |  | $ | 48,832 |  |  | $ | 82,317 |  |  | $ | 81,050 |  |  | $ | 70,145 |  |  | $ | 34,933 |  |  | $ | 53,197 |  |  | $ | 6,480 |  |  | $ | 97 |  |  | $ | 377,051 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 82 |  |  |  | - |  |  |  | - |  |  |  | 82 |
Total |  | $ | 48,832 |  |  | $ | 82,317 |  |  | $ | 81,050 |  |  | $ | 70,145 |  |  | $ | 34,933 |  |  | $ | 53,279 |  |  | $ | 6,480 |  |  | $ | 97 |  |  | $ | 377,133 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Construction and land loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 4,242 |  |  | $ | 3,562 |  |  | $ | 11,194 |  |  | $ | 1,789 |  |  | $ | 1,644 |  |  | $ | 3,842 |  |  | $ | 100 |  |  | $ | - |  |  | $ | 26,373 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 4,242 |  |  | $ | 3,562 |  |  | $ | 11,194 |  |  | $ | 1,789 |  |  | $ | 1,644 |  |  | $ | 3,842 |  |  | $ | 100 |  |  | $ | - |  |  | $ | 26,373 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Commercial real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 36,975 |  |  | $ | 56,064 |  |  | $ | 50,279 |  |  | $ | 63,439 |  |  | $ | 52,515 |  |  | $ | 101,013 |  |  | $ | 3,409 |  |  | $ | 80 |  |  |  | 363,774 |
Classified |  |  | - |  |  |  | 1,350 |  |  |  | - |  |  |  | 226 |  |  |  | 447 |  |  |  | 4,658 |  |  |  | - |  |  |  | - |  |  |  | 6,681 |
Total |  | $ | 36,975 |  |  | $ | 57,414 |  |  | $ | 50,279 |  |  | $ | 63,665 |  |  | $ | 52,962 |  |  | $ | 105,671 |  |  | $ | 3,409 |  |  | $ | 80 |  |  | $ | 370,455 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 23,368 |  |  | $ | 36,988 |  |  | $ | 19,623 |  |  | $ | 19,415 |  |  | $ | 8,625 |  |  | $ | 7,179 |  |  | $ | 66,299 |  |  | $ | 133 |  |  | $ | 181,630 |
Classified |  |  | 2,086 |  |  |  | 2691 |  |  |  | 9398 |  |  |  | 1,951 |  |  |  | 30 |  |  |  | 3,841 |  |  |  | 1,988 |  |  |  | 688 |  |  |  | 22,673 |
Total |  | $ | 25,454 |  |  | $ | 47,545 |  |  | $ | 21,155 |  |  | $ | 21,366 |  |  | $ | 8,655 |  |  | $ | 11,020 |  |  | $ | 68,287 |  |  | $ | 821 |  |  | $ | 204,303 |
Gross charge-offs |  | $ | - |  |  | $ | 8 |  |  | $ | - |  |  | $ | - |  |  | $ | 11 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 19 |
Agriculture loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 7,409 |  |  | $ | 14,447 |  |  | $ | 2,788 |  |  | $ | 6,114 |  |  | $ | 3,347 |  |  | $ | 13,386 |  |  | $ | 47,088 |  |  | $ | 216 |  |  | $ | 94,795 |
Classified |  |  | - |  |  |  | 2,088 |  |  |  | 61 |  |  |  | 1,578 |  |  |  | 485 |  |  |  | 68 |  |  |  | 1,273 |  |  |  | - |  |  |  | 5,553 |
Total |  | $ | 7,409 |  |  | $ | 16,535 |  |  | $ | 2,849 |  |  | $ | 7,692 |  |  | $ | 3,832 |  |  | $ | 13,454 |  |  | $ | 48,361 |  |  | $ | 216 |  |  | $ | 100,348 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Municipal loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 5,552 |  |  | $ | 71 |  |  | $ | - |  |  | $ | 1,315 |  |  | $ | - |  |  | $ | 6,938 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 5,552 |  |  | $ | 71 |  |  | $ | - |  |  | $ | 1,315 |  |  | $ | - |  |  | $ | 6,938 |
Gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 4,777 |  |  | $ | 1,856 |  |  | $ | 2,895 |  |  | $ | 516 |  |  | $ | 901 |  |  | $ | 2,769 |  |  | $ | 18,418 |  |  | $ | 102 |  |  | $ | 32,234 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 4,777 |  |  | $ | 1,856 |  |  | $ | 2,895 |  |  | $ | 516 |  |  | $ | 901 |  |  | $ | 2,769 |  |  | $ | 18,418 |  |  | $ | 102 |  |  | $ | 32,234 |
Gross charge-offs |  | $ | 192 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 192 |
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonclassified |  | $ | 125,603 |  |  | $ | 195,234 |  |  | $ | 167,829 |  |  | $ | 166,970 |  |  | $ | 102,036 |  |  | $ | 181,386 |  |  | $ | 143,109 |  |  | $ | 628 |  |  | $ | 1,082,795 |
Classified |  |  | 2,086 |  |  |  | 13,995 |  |  |  | 1,593 |  |  |  | 3,755 |  |  |  | 962 |  |  |  | 8,649 |  |  |  | 3,261 |  |  |  | 688 |  |  |  | 34,989 |
Total |  | $ | 127,689 |  |  | $ | 209,229 |  |  | $ | 169,422 |  |  | $ | 170,725 |  |  | $ | 102,998 |  |  | $ | 190,035 |  |  | $ | 146,370 |  |  | $ | 1,316 |  |  | $ | 1,117,784 |
Gross charge-offs for the three months ended June 30, 2025 |  | $ | 192 |  |  | $ | 8 |  |  | $ | - |  |  | $ | - |  |  | $ | 11 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 211 |
|  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Revolving loans amortized cost |  |  | Revolving loans converted to term |  |  | Total |
|  | As of December 31, 2024 |
(Dollars in thousands) |  | 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 |  | $ | 3104 |  |  | $ | 10111 |  |  | $ | 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
(dollars in thousands) |  | 2025 |  |  | 2024 |  |  | 2025 |  |  | 2024 |
|  | Three months ended |  |  | Six months ended |
|  | June 30, |  |  | June 30, |
(dollars in thousands) |  | 2025 |  |  | 2024 |  |  | 2025 |  |  | 2024 |
Balance at beginning of period |  | $ | 150 |  |  |  | 300 |  |  | $ | 150 |  |  |  | 250 |
Provision for credit losses |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 50 |
Balance at end of period |  | $ | 150 |  |  | $ | 300 |  |  | $ | 150 |  |  | $ | 300 |
Schedule of Troubled Debt Restructurings | Schedule of Troubled Debt Restructurings
|  | As of June 30, 2025
(Dollars in thousands) |  | Amortized cost basis |  |  | % of loan class total |  |  | Financial effect
Term extension: |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 277 |  |  |  | 0.1 | % |  | Renewal of existing loan

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