Quarterly report [Sections 13 or 15(d)]

Note 5 - Loans - Analysis of Allowance for Loans Losses by Portfolio Segment (Details)

v3.25.2
Note 5 - Loans - Analysis of Allowance for Loans Losses by Portfolio Segment (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Balance $ 165,034 $ 155,892 $ 164,458 [1] $ 153,317 $ 153,317
Charge-offs (7,502) (3,582) (13,594) (5,589) (13,684)
Recoveries 1,018 429 1,214 643  
Provision for credit losses on loans 11,409 5,353 17,881 9,721  
Balance 169,959 158,092 169,959 158,092 164,458 [1]
Commercial Real Estate Portfolio Segment [Member]          
Charge-offs     (9,263)   (12,115)
Commercial Real Estate Portfolio Segment [Member] | Commercial, Financial, and Agricultural Loans [Member]          
Balance 52,518 51,022 55,330 52,121 52,121
Charge-offs (6,849) (3,355) (9,263) (5,197)  
Recoveries 959 406 1,129 605  
Provision for credit losses on loans 6,394 8,143 5,826 8,687  
Balance 53,022 56,216 53,022 56,216 55,330
Real Estate Portfolio Segment[Member]          
Balance 68,429 57,640 67,726 55,126 55,126
Charge-offs (580) (119) (4,152) (186)  
Recoveries 1 0 1 6  
Provision for credit losses on loans 210 2,163 4,485 4,738  
Balance 68,060 59,684 68,060 59,684 67,726
Real Estate Portfolio Segment[Member] | Construction Loans [Member]          
Balance 41,809 45,689 38,597 44,658 44,658
Charge-offs 0 0 (46) 0 0
Recoveries 0 8 0 8  
Provision for credit losses on loans 4,614 (5,247) 7,872 (4,216)  
Balance 46,423 40,450 46,423 40,450 38,597
Real Estate Portfolio Segment[Member] | Owner Occupied Commercial [Member]          
Balance 21,330 18,391 22,302 17,702 17,702
Charge-offs (560) (100) (3,351) (100) (237)
Recoveries 1 0 1 6  
Provision for credit losses on loans 156 748 1,975 1,431  
Balance 20,927 19,039 20,927 19,039 22,302
Real Estate Portfolio Segment[Member] | One to Four Family [Member]          
Balance 15,246 12,994 14,096 12,029 12,029
Charge-offs (20) (19) (51) (86) (761)
Recoveries 0 0 0 0  
Provision for credit losses on loans (282) 654 899 1,686  
Balance 14,944 13,629 14,944 13,629 14,096
Real Estate Portfolio Segment[Member] | Non-owner Occupied Commercial [Member]          
Balance 31,853 26,255 31,328 25,395 25,395
Charge-offs 0 0 (750) 0  
Recoveries 0 0 0 0  
Provision for credit losses on loans 336 761 1,611 1,621  
Balance 32,189 27,016 32,189 27,016 31,328
Consumer Portfolio Segment [Member]          
Balance 2,278 1,541 2,805 1,412 1,412
Charge-offs (73) (108) (133) (206) (571)
Recoveries 58 15 84 24  
Provision for credit losses on loans 191 294 (302) 512  
Balance $ 2,454 $ 1,742 $ 2,454 $ 1,742 $ 2,805
[1] Derived from audited financial statements.