Cover Page - shares	3 Months Ended
Cover Page - shares	Mar. 31, 2025	May 09, 2025
Cover page [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2025
Document Transition Report	false
Entity File Number	001-37661
Entity Registrant Name	SMARTFINANCIAL INC.
Entity Incorporation, State or Country Code	TN
Entity Tax Identification Number	62-1173944
Entity Address, Address Line One	5401 Kingston Pike, Suite 600
Entity Address, City or Town	Knoxville
Entity Address, State or Province	TN
City Area Code	865
Entity Address, Postal Zip Code	37919
Local Phone Number	437-5700
Title of 12(b) Security	Common Stock, par value $1.00
Trading Symbol	SMBK
Security Exchange Name	NYSE
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		17,017,547
Amendment Flag	false
Document Fiscal Year Focus	2025
Document Fiscal Period Focus	Q1
Entity Central Index Key	0001038773
Current Fiscal Year End Date	--12-31

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
ASSETS:
Cash and due from banks	$ 58,313	$ 96,508
Interest-bearing deposits with banks	352,869	277,005
Federal funds sold	11,802	14,057
Total cash and cash equivalents	422,984	387,570
Securities available-for-sale, at fair value	499,445	482,328
Securities held-to-maturity, at amortized cost	125,576	126,659
Other investments	14,371	14,740
Loans held for sale	3,843	5,996
Total loans and leases	3,992,207	3,906,340
Less: Allowance for credit losses	(38,175)	(37,423)
Loans and leases, net	3,954,032	3,868,917
Premises and equipment, net	90,708	91,093
Other real estate owned	144	179
Goodwill and other intangibles, net	104,154	104,723
Bank owned life insurance	116,805	115,917
Other assets	79,155	77,782
Total assets	5,411,217	5,275,904
Deposits:
Noninterest-bearing demand	884,294	965,552
Interest-bearing demand	885,063	836,731
Money market and savings	2,131,828	2,039,560
Time deposits	907,474	844,640
Total deposits	4,808,659	4,686,483
Borrowings	7,610	8,135
Subordinated debt	39,705	39,684
Other liabilities	49,302	50,141
Total liabilities	4,905,276	4,784,443
Commitments and contingent liabilities
Shareholders' equity:
Preferred stock, $1 par value; 2,000,000 shares authorized; No shares issued and outstanding
Common stock, $1 par value; 40,000,000 shares authorized; 17,017,547 and 16,925,672 shares issued and outstanding, respectively	17,018	16,926
Additional paid-in capital	294,736	294,269
Retained earnings	213,721	203,824
Accumulated other comprehensive income (loss)	(19,647)	(23,671)
Total shareholders' equity attributable to SmartFinancial Inc. and Subsidiary	505,828	491,348
Non-controlling interest - preferred stock of subsidiary	113	113
Total shareholders' equity	505,941	491,461
Total liabilities and shareholders' equity	$ 5,411,217	$ 5,275,904

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Statement of Financial Position [Abstract]
Securities held to maturity, fair value	$ 108,561	$ 108,080
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock, shares authorized (in shares)	2,000,000	2,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	40,000,000	40,000,000
Common stock, shares issued (in shares)	17,017,547	16,925,672
Common stock, shares outstanding (in shares)	17,017,547	16,925,672

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Mar. 31, 2025	Mar. 31, 2024
Interest income:
Loans and leases, including fees	$ 57,762	$ 50,020
Securities:
Taxable	4,775	4,548
Tax-exempt	354	352
Federal funds sold and other earning assets	3,485	4,863
Total interest income	66,376	59,783
Interest expense:
Deposits	27,335	27,035
Borrowings	70	128
Subordinated debt	733	899
Total interest expense	28,138	28,062
Net interest income	38,238	31,721
Provision for credit losses	979	(440)
Net interest income after provision for credit losses	37,259	32,161
Noninterest income:
Service charges on deposit accounts	1,736	1,612
Mortgage banking	493	280
Investment services	1,769	1,380
Insurance commissions	1,412	1,103
Interchange and debit card transaction fees, net	1,220	1,253
Other	1,967	2,752
Total noninterest income	8,597	8,380
Noninterest expense:
Salaries and employee benefits	19,234	16,639
Occupancy and equipment	3,397	3,396
FDIC insurance	960	915
Other real estate and loan related expense	658	584
Advertising and marketing	382	302
Data processing and technology	2,657	2,465
Professional services	1,368	924
Amortization of intangibles	569	612
Other	3,071	2,716
Total noninterest expense	32,296	28,553
Income before income tax expense	13,560	11,988
Income tax expense	2,306	2,630
Net Income	$ 11,254	$ 9,358
Earnings per common share:
Basic (in dollars per share)	$ 0.67	$ 0.56
Diluted (in dollars per share)	$ 0.67	$ 0.55
Weighted average common shares outstanding:
Basic (in shares)	16,767,535	16,849,735
Diluted (in shares)	16,872,097	16,925,408

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Net income	$ 11,254	$ 9,358
Other comprehensive income (loss):
Unrealized holding gains (losses) on securities available-for-sale	4,963	(3,107)
Tax effect	(1,282)	803
Amortization of unrealized gains (losses) on investment securities transferred from available-for-sale to held-to-maturity	30	35
Tax effect	(8)	(9)
Unrealized gains (losses) on securities available-for-sale, net of tax	3,703	(2,278)
Total other comprehensive income (loss)	4,024	(1,518)
Comprehensive income	15,278	7,840
Fair Value Hedging [Member]
Other comprehensive income (loss):
Unrealized gains (losses) on hedges	(155)	420
Tax effect	40	(108)
Reclassification adjustment for realized losses (gains) included in net income	(1)	106
Tax effect		(27)
Unrealized gains (losses) on fair value municipal security and cash flow hedge instruments arising during the period, net of tax	(116)	391
Cash Flow Hedging [Member]
Other comprehensive income (loss):
Unrealized gains (losses) on hedges	437	460
Tax effect	(112)	(119)
Reclassification adjustment for realized losses (gains) included in net income	151	38
Tax effect	(39)	(10)
Unrealized gains (losses) on hedge instruments arising during the period, net of tax	$ 437	$ 369

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Noncontrolling Interest [Member]	Total
Balance at Dec. 31, 2023	$ 16,989	$ 295,699	$ 173,105	$ (25,907)		$ 459,886
BALANCE (in shares) at Dec. 31, 2023	16,988,879
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income			9,358			9,358
Other comprehensive income				(1,518)		(1,518)
Stock options exercised	$ 4	39				$ 43
Stock options exercised (in shares)	4,500					4,500
Restricted stock	$ 69	(69)
Restricted stock (in shares)	68,757
Restricted stock withheld for taxes	$ (5)	(126)				$ (131)
Restricted stock withheld for taxes (in shares)	(5,432)
Stock compensation expense		518				518
Common stock dividend			(1,360)			(1,360)
Balance at Mar. 31, 2024	$ 17,057	296,061	181,103	(27,425)		466,796
BALANCE (in shares) at Mar. 31, 2024	17,056,704
Balance at Dec. 31, 2024	$ 16,926	294,269	203,824	(23,671)	$ 113	$ 491,461
BALANCE (in shares) at Dec. 31, 2024	16,925,672					16,925,672
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income			11,254			$ 11,254
Other comprehensive income				4,024		4,024
Stock options exercised	$ 4	59				$ 63
Stock options exercised (in shares)	4,203					4,203
Restricted stock	$ 96	(96)
Restricted stock (in shares)	96,121
Restricted stock withheld for taxes	$ (8)	(257)				$ (265)
Restricted stock withheld for taxes (in shares)	(8,449)
Stock compensation expense		761				761
Common stock dividend			(1,357)			(1,357)
Balance at Mar. 31, 2025	$ 17,018	$ 294,736	$ 213,721	$ (19,647)	$ 113	$ 505,941
BALANCE (in shares) at Mar. 31, 2025	17,017,547					17,017,547

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY [Abstract]
Common stock dividend, per share	$ 0.08	$ 0.08

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Cash flows from operating activities:
Net income	$ 11,254	$ 9,358
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	2,168	2,460
Amortization of intangible assets	569	612
Provision for credit losses	979	(440)
Stock compensation expense	761	518
Deferred income tax expense (benefit)	988	1,439
Increase in cash surrender value of bank owned life insurance	(888)	(523)
Net losses from sale and write-downs of other real estate owned and other repossessed assets	84
Net gains from mortgage banking	(464)	(250)
Origination of loans held for sale	(4,758)	(10,825)
Proceeds from sales of loans held for sale	7,374	10,632
Net (gain) loss from sale/disposal of fixed assets	26	(1,373)
Net change in:
Accrued interest receivable	(106)	(64)
Accrued interest payable	1,188	(781)
Other assets	(1,696)	(1,616)
Other liabilities	(3,192)	(2,071)
Net cash provided by operating activities	14,287	7,076
Cash flows from investing activities:
Proceeds from maturities, calls and paydowns	11,144	11,394
Purchases	(23,639)	(81,009)
Proceeds from maturities, calls and paydowns	570	100,527
Proceeds from sales of other investments	1,041
Purchases of other investments	(797)	(205)
Net increase in loans and leases	(87,115)	(34,057)
Proceeds from sale of fixed assets	17	3,248
Purchases of premises and equipment	(929)	(2,914)
Proceeds from sale of other real estate owned and other repossessed assets	730
Net cash used in investing activities	(98,978)	(3,016)
Cash flows from financing activities:
Net increase in deposits	122,188	126,287
Net (decrease) increase in securities sold under agreements to repurchase	(524)	(1,229)
Repayment of borrowings		(2,000)
Cash dividends paid	(1,357)	(1,360)
Issuance of common stock	63	43
Restricted shares withheld for taxes	(265)	(131)
Net cash provided by financing activities	120,105	121,610
Net change in cash and cash equivalents	35,414	125,670
Cash and cash equivalents, beginning of period	387,570	352,271
Cash and cash equivalents, end of period	422,984	477,941
Supplemental disclosures of cash flow information:
Cash paid during the period for interest	26,950	28,843
Net cash paid during the period for income taxes	23	5
Noncash investing and financing activities:
Recognition of operating lease assets in exchange for lease liabilities	55	99
Acquisition of real estate through foreclosure		179
Acquisition of other repossessed assets	1,156	1,139
Financed sales of other repossessed assets	$ 562	$ 58

Presentation of Financial Information

3 Months Ended

Mar. 31, 2025

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Presentation of Financial Information

Note 1. Presentation of Financial Information

Nature of Business:

SmartFinancial, Inc. (the “Company,” “SmartFinancial,” “we,” “our” or “us”) is a bank holding company whose principal activity is the ownership and management of its wholly owned subsidiary, SmartBank (the “Bank”). The Company provides a variety of financial services to individuals and corporate customers through its offices in East and Middle Tennessee, Alabama, and Florida. The Bank’s primary deposit products are noninterest-bearing and interest-bearing demand deposits, savings and money market deposits, and time deposits. Its primary lending products are commercial, residential, and consumer loans.

Basis of Presentation and Accounting Estimates:

The accounting and financial reporting policies of the Company and its wholly owned subsidiary conform to U.S. generally accepted accounting principles (“GAAP”) and reporting guidelines of banking regulatory authorities and regulators. The accompanying interim consolidated financial statements for the Company and its wholly owned subsidiary have not been audited. All material intercompany balances and transactions have been eliminated.

In management’s opinion, all accounting adjustments necessary to accurately reflect the financial position and results of operations on the accompanying financial statements have been made. These adjustments are normal and recurring accruals considered necessary for a fair and accurate presentation. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for credit losses, the valuation of foreclosed assets and deferred taxes, the fair value of financial instruments, goodwill, and the fair value of assets acquired, and liabilities assumed in acquisitions. The results for interim periods are not necessarily indicative of results for the full year or any other interim periods. The following unaudited condensed financial statement notes have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”). Certain information and note disclosures normally included in annual financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to those rules and regulations, although the Company believes that the disclosures made are adequate to make the information not misleading. The accompanying unaudited consolidated financial statements should be read in conjunction with the consolidated financial statements and related notes appearing in the Company’s annual report on Form 10-K for the year ended December 31, 2024.

Recently Issued and Adopted Accounting Pronouncements:

In November 2023, the FASB issued ASU No. 2023-07, “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures.” ASU 2023-07 expands segment disclosure requirements for public entities to require disclosure of significant segment expenses and other segment items on an annual and interim basis and to provide in interim periods all disclosures about a reportable segment’s profit or loss and assets that are currently required annually. This guidance is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. ASU 2023-07 did not have an impact on the Company’s Consolidated Financial Statements.

Recently Issued Not Yet Effective Accounting Pronouncements:

During interim periods, the Company follows the accounting policies set forth in its annual audited financial statements for the year ended December 31, 2024, as filed in its Annual Report on Form 10-K with the SEC. The following is a summary of recent authoritative pronouncements issued but not yet effective that could impact the accounting, reporting, and/or disclosure of financial information by the Company.

In December 2023, FASB issued ASU No. 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures.” ASU 2023-09 requires public business entities to disclose in their rate reconciliation table additional categories of information about federal, state and foreign income taxes and to provide more details about the reconciling

items in certain categories if items meet a quantitative threshold. ASU 2023-09 also requires all entities to disclose income taxes paid, net of refunds, disaggregated by federal, state, and foreign taxes for annual periods and to disaggregate the information by jurisdiction based on a quantitative threshold, among other things. The guidance is effective for us the first annual period beginning after December 15, 2024, with first disclosure additions to be included in the 2025 Annual Report on Form 10K. The Company is assessing ASU 2023-09, and its adoption is not expected to have a significant impact on our Consolidated Financial Statements.

In November 2024, FASB issued ASU No. 2024-03, “Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses.” ASU 2024-03 requires disaggregated disclosure of income statement expenses for public business entities. ASU 2024-03 requires new financial statement disclosures in tabular format, disaggregating information about prescribed categories underlying any relevant income statement expense caption. The prescribed categories include, among other things, employee compensation, depreciation, and intangible asset amortization. Additionally, entities must disclose the total amount of selling expenses and, in annual reporting periods, an entity’s definition of selling expenses. ASU 2024-03 is effective for us fiscal years beginning after December 15, 2026, and interim periods beginning after December 15, 2027, though early adoption is permitted. The Company is assessing ASU 2024-03, and its adoption is not expected to have a significant impact on our Consolidated Financial Statements.

Earnings Per Share

3 Months Ended

Mar. 31, 2025

Earnings Per Share [Abstract]

Earnings Per Share

Note 2. Earnings Per Share

Basic earnings per common share is computed by dividing net income available to common shareholders by the weighted-average number of common shares outstanding. Diluted earnings per common share is computed by dividing net income available to common shareholders by the weighted average number of common shares outstanding and dilutive common share equivalents using the treasury stock method. Dilutive common share equivalents include common shares issuable upon exercise of outstanding stock options and restricted stock. The effect from the stock options and restricted stock on incremental shares from the assumed conversions for net income per share-basic and net income per share-diluted are presented below. There were no antidilutive shares for the three months ended March 31, 2025, and March 31, 2024, respectively.

The following is a summary of the basic and diluted earnings per share computation (dollars in thousands, except share and per share data):


	Three Months Ended
	March 31,
	2025		2024
Basic earnings per share computation:
Net income available to common shareholders	$	11,254	$	9,358
Average common shares outstanding – basic		16,767,535		16,849,735
Basic earnings per share	$	0.67	$	0.56
Diluted earnings per share computation:
Net income available to common shareholders	$	11,254	$	9,358
Average common shares outstanding – basic		16,767,535		16,849,735
Incremental shares from assumed conversions:
Stock options and restricted stock		104,562		75,673
Average common shares outstanding - diluted		16,872,097		16,925,408
Diluted earnings per common share	$	0.67	$	0.55

Securities

3 Months Ended

Mar. 31, 2025

Securities [Abstract]

Securities

Note 3. Securities

Available-for-sale securities (“AFS”), which include any security for which the Company has no immediate plan to sell, but which may be sold in the future, are carried at fair value. Realized gains and losses, based on specifically identified amortized cost of the individual security, are included in other income. Unrealized gains and losses are recorded, net of related income tax effects, in accumulated other comprehensive income (loss). Premiums and discounts are amortized and accreted, respectively, to interest income using the constant effective yield method over the estimated life of the security. Prepayments are anticipated for mortgage-backed and Small Business Administration (“SBA”) securities. Premiums on callable securities are amortized to their earliest call date.

Held-to-maturity securities (“HTM”), which include any security for which the Company has both the positive intent and ability to hold until maturity, are carried at historical cost adjusted for amortization of premiums and accretion of discounts. Premiums and discounts are amortized and accreted, respectively, to interest income using the constant effective yield method over the security’s estimated life. Prepayments are anticipated for mortgage-backed and SBA securities. Premiums on callable securities are amortized to their earliest call date.

The amortized cost, gross unrealized gains and losses and fair value of securities AFS and HTM are summarized as follows (in thousands):


	March 31, 2025
			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
Available-for-sale:	Cost		Gains		Losses		Value
U.S. Treasury	$	83,087	$	—	$	(5,944)	$	77,143
U.S. Government-sponsored enterprises (GSEs)		37,828		398		(139)		38,087
Municipal securities		22,404		2		(633)		21,773
Other debt securities		41,313		310		(1,953)		39,670
Mortgage-backed securities (GSEs)		340,362		1,174		(18,764)		322,772
Total	$	524,994	$	1,884	$	(27,433)	$	499,445


	March 31, 2025
			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
Held-to-maturity:	Cost		Gains		Losses		Value
U.S. Government-sponsored enterprises (GSEs)	$	47,802	$	—	$	(6,561)	$	41,241
Municipal securities		51,382		—		(6,795)		44,587
Mortgage-backed securities (GSEs)		26,392		—		(3,659)		22,733
Total	$	125,576	$	—	$	(17,015)	$	108,561


	December 31, 2024
			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
Available-for-sale:	Cost		Gains		Losses		Value
U.S. Treasury	$	83,330	$	—	$	(7,104)	$	76,226
U.S. Government-sponsored enterprises (GSEs)		38,917		453		(182)		39,188
Municipal securities		18,277		—		(587)		17,690
Other debt securities		41,321		252		(2,138)		39,435
Mortgage-backed securities (GSEs)		330,839		515		(21,565)		309,789
Total	$	512,684	$	1,220	$	(31,576)	$	482,328


	December 31, 2024
			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
Held-to-maturity:	Cost		Gains		Losses		Value
U.S. Government-sponsored enterprises (GSEs)	$	48,112	$	—	$	(7,335)	$	40,777
Municipal securities		51,652		—		(7,037)		44,615
Mortgage-backed securities (GSEs)		26,895		—		(4,207)		22,688
Total	$	126,659	$	—	$	(18,579)	$	108,080

At March 31, 2025 and December 31, 2024, securities with a carrying value totaling approximately $453.0 million and $432.6 million, respectively, were pledged to secure public funds and securities sold under agreements to repurchase.

For the three months ended March 31, 2025, and 2024, there were no gross gains or gross losses related to the sale of investment securities.

The amortized cost and estimated fair value of securities at March 31, 2025, by contractual maturity for non-mortgage-backed securities are shown below (in thousands). Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.


	March 31, 2025
	Amortized		Fair
Available-for-sale:	Cost		Value
Due in one year or less	$	1,480	$	1,432
Due from one year to five years		93,801		87,781
Due from five years to ten years		75,999		74,539
Due after ten years		13,352		12,921
		184,632		176,673
Mortgage-backed securities		340,362		322,772
Total	$	524,994	$	499,445

Held-to-maturity:
Due in one year or less	$	—	$	—
Due from one year to five years		6,925		6,340
Due from five years to ten years		44,071		38,191
Due after ten years		48,188		41,297
		99,184		85,828
Mortgage-backed securities		26,392		22,733
Total	$	125,576	$	108,561

The following tables present the gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities AFS and HTM have been in a continuous unrealized loss position (in thousands):


	March 31, 2025
	Less than 12 Months					12 Months or Greater					Total
			Gross		Number			Gross		Number			Gross		Number
	Fair		Unrealized		of	Fair		Unrealized		of	Fair		Unrealized		of
Available-for-sale:	Value		Losses		Securities	Value		Losses		Securities	Value		Losses		Securities
U.S. Treasury	$	—	$	—	—	$	77,143	$	(5,944)	9	$	77,143	$	(5,944)	9
U.S. Government-sponsored enterprises (GSEs)		3,775		(27)	2		7,005		(112)	5		10,780		(139)	7
Municipal securities		8,811		(187)	7		11,920		(446)	18		20,731		(633)	25
Other debt securities		2,458		(16)	2		28,428		(1,937)	24		30,886		(1,953)	26
Mortgage-backed securities (GSEs)		40,064		(602)	23		173,162		(18,162)	86		213,226		(18,764)	109
Total	$	55,108	$	(832)	34	$	297,658	$	(26,601)	142	$	352,766	$	(27,433)	176

	March 31, 2025
	Less than 12 Months					12 Months or Greater					Total
			Gross		Number			Gross		Number			Gross		Number
	Fair		Unrealized		of	Fair		Unrealized		of	Fair		Unrealized		of
Held-to-maturity:	Value		Losses		Securities	Value		Losses		Securities	Value		Losses		Securities
U.S. Government-sponsored enterprises (GSEs)	$	—	$	—	—	$	41,240	$	(6,561)	13	$	41,240	$	(6,561)	13
Municipal securities		—		—	—		44,586		(6,795)	35		44,586		(6,795)	35
Mortgage-backed securities (GSEs)		—		—	—		22,733		(3,659)	5		22,733		(3,659)	5
Total	$	—	$	—	—	$	108,559	$	(17,015)	53	$	108,559	$	(17,015)	53


	December 31, 2024
	Less than 12 Months					12 Months or Greater					Total
			Gross		Number			Gross		Number			Gross		Number
	Fair		Unrealized		of	Fair		Unrealized		of	Fair		Unrealized		of
Available-for-sale:	Value		Losses		Securities	Value		Losses		Securities	Value		Losses		Securities
U.S. Treasury	$	—	$	—	—	$	76,226	$	(7,104)	9	$	76,226	$	(7,104)	9
U.S. Government-sponsored enterprises (GSEs)		9,069		(80)	4		4,813		(102)	4		13,882		(182)	8
Municipal securities		5,579		(59)	8		11,322		(528)	17		16,901		(587)	25
Other debt securities		4,425		(36)	3		28,294		(2,102)	24		32,719		(2,138)	27
Mortgage-backed securities (GSEs)		80,111		(939)	39		160,129		(20,626)	83		240,240		(21,565)	122
Total	$	99,184	$	(1,114)	54	$	280,784	$	(30,462)	137	$	379,968	$	(31,576)	191

	December 31, 2024
	Less than 12 Months					12 Months or Greater					Total
			Gross		Number			Gross		Number			Gross		Number
	Fair		Unrealized		of	Fair		Unrealized		of	Fair		Unrealized		of
Held-to-maturity:	Value		Losses		Securities	Value		Losses		Securities	Value		Losses		Securities
U.S. Government-sponsored enterprises (GSEs)	$	—	$	—	—	$	40,777	$	(7,335)	13	$	40,777	$	(7,335)	13
Municipal securities		—		—	—		44,615		(7,037)	35		44,615		(7,037)	35
Mortgage-backed securities (GSEs)		—		—	—		22,688		(4,207)	5		22,688		(4,207)	5
Total	$	—	$	—	—	$	108,080	$	(18,579)	53	$	108,080	$	(18,579)	53

For any securities classified as AFS that are in an unrealized loss position at the balance sheet date, the Company assesses whether it intends to sell the security, or more likely than not will be required to sell the security before recovery of its amortized cost basis which would require a write-down to fair value through net income. Because the Company currently does not intend to sell those AFS securities that have an unrealized loss at March 31, 2025, and it is not likely that they will be required to sell the securities before recovery of their amortized cost bases, which may be maturity, the Company has determined that no write-down is necessary. In addition, the Company evaluates whether any portion of the decline in fair value of AFS securities is the result of credit deterioration, which would require the recognition of an allowance for credit losses. The unrealized losses associated with available-for-sale securities at March 31, 2025, are driven by changes in interest rates and are not due to the credit quality of the securities, and accordingly, no allowance for credit losses is considered necessary related to available-for-sale securities at March 31, 2025. Management evaluates the financial performance of the issuers on a quarterly basis to determine if it is probable that the issuers can make all contractual principal and interest payments.

The unrealized losses in the Company’s HTM portfolio were caused by changes in the interest rate environment. The Company has a zero-loss expectation for its U.S. Treasury securities in addition to U.S. Government-sponsored enterprises (GSEs) and mortgage-backed securities (GSEs), and accordingly, no allowance for credit losses is estimated for these securities. The HTM state and municipal securities are primarily general obligation bonds, which have a very low historical default rate due to issuers generally having unlimited taxing authority to service the debt. All debt securities in an unrealized loss position as of March 31, 2025, continue to perform as scheduled and we do not believe an allowance for credit losses is necessary.

The Company utilizes bond credit ratings assigned by third party ratings agencies to monitor the credit quality of debt securities held-to-maturity. At March 31, 2025, all debt securities classified as held-to-maturity were rated A+ or higher by the ratings agencies. Updated credit ratings are obtained as they become available from the ratings agencies.

Allowance for Credit Losses (“ACL”)

There were no past due or nonaccrual AFS or HTM securities at March 31, 2025, or December 31, 2024. Accrued interest receivable is excluded from the estimate of credit losses and based on the analysis of the underlying risk characteristics of its AFS and HTM portfolios, including credit ratings and other qualitative factors, there was no provision for credit losses

related to AFS or HTM securities recorded during the three months ended March 31, 2025, and 2024, respectively, because the ACL was deemed immaterial.

Other Investments:

Our other investments consist of restricted non-marketable equity securities that have no readily determinable market value. Accordingly, when evaluating these securities for impairment, management considers the ultimate recoverability of the par value rather than recognizing temporary declines in value. As of March 31, 2025, the Company determined that there was no impairment on its other investment securities.

The following is the amortized cost and carrying value of other investments (in thousands):


	March 31,		December 31,
	2025		2024
Federal Reserve Bank stock	$	9,581	$	9,045
Federal Home Loan Bank stock		4,440		5,345
First National Bankers Bank stock		350		350
Total	$	14,371	$	14,740

Loans and Leases and Allowance for Credit Losses

3 Months Ended

Mar. 31, 2025

Receivables [Abstract]

Loans and Leases and Allowance for Credit Losses

Note 4. Loans and Leases and Allowance for Credit Losses

Portfolio Segmentation:

Major categories of loans and leases are summarized as follows (in thousands):


	March 31,		December 31,
	2025		2024
Commercial real estate:
Non-owner occupied	$	1,117,392	$	1,080,404
Owner occupied		885,396		867,678
Consumer real estate		784,602		741,836
Construction and land development		357,393		361,735
Commercial and industrial		768,454		775,620
Leases		64,208		64,878
Consumer and other		14,762		14,189
Total loans and leases		3,992,207		3,906,340
Less: Allowance for credit losses		(38,175)		(37,423)
Loans and leases, net	$	3,954,032	$	3,868,917

The loan and lease portfolio is disaggregated into segments. There are seven loan and lease portfolio segments which include commercial real estate, consumer real estate, construction and land development, commercial and industrial, leases, and consumer and other.

The following describe risk characteristics relevant to each of the portfolio segments:

Commercial Real Estate – Non-Owner Occupied: Commercial real estate loans for income-producing properties such as apartment buildings, office and industrial buildings, and retail shopping centers are repaid from rent income derived from the properties. Loans within this portfolio segment are particularly sensitive to the valuation of real estate.

Commercial Real Estate - Owner Occupied: Commercial real estate loans to operating businesses are long-term financing of land and buildings where the owner occupies the property. These loans are repaid by cash flow generated from the business operation.

Consumer Real Estate: Consumer real estate loans include real estate loans secured by first liens, second liens, or open end real estate loans, such as home equity lines. These are repaid by various means such as a borrower’s income, sale of the property, or rental income derived from the property. Loans within this portfolio segment are particularly sensitive to the valuation of real estate.

Construction and Land Development: Loans for real estate construction and development are repaid through cash flow related to the operations, sale or refinance of the underlying property. This portfolio segment includes extensions of credit to real estate developers or investors where repayment is dependent on the sale of the real estate or income generated from the real estate collateral. Loans within this portfolio segment are particularly sensitive to the valuation of real estate.

Commercial and Industrial: The commercial and industrial loan portfolio segment includes commercial and financial loans. These loans include those loans to commercial customers for use in normal business operations to finance working capital needs, equipment purchases, or expansion projects. Loans are repaid by business cash flows. Collection risk in this portfolio is driven by the creditworthiness of the underlying borrower, particularly cash flows from the customers’ business operations.

Leases: The lease portfolio segment includes leases to small and mid-size companies for equipment financing leases. These leases are secured by a secured interest in the equipment being leased.

Consumer and Other: The consumer loan portfolio segment includes direct consumer installment loans, overdrafts and other revolving credit loans, and educational loans. Loans in this portfolio are sensitive to unemployment and other key consumer economic measures.

The following tables detail the changes in the allowance for credit losses by loan and lease classification (in thousands):


	Three Months Ended March 31, 2025
	Commercial		Commercial
	Real Estate		Real Estate		Consumer		Construction		Commercial
	Non-Owner		Owner		Real		and Land		and				Consumer
	Occupied		Occupied		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	6,972	$	8,341	$	8,355	$	4,168	$	8,552	$	919	$	116	$	37,423
Charged-off loans and leases		—		—		—		—		(59)		(190)		(83)		(332)
Recoveries of charge-offs		—		2		—		200		23		—		16		241
Provision charged to expense ⁽¹⁾		354		72		333		(214)		112		113		73		843
Ending balance	$	7,326	$	8,415	$	8,688	$	4,154	$	8,628	$	842	$	122	$	38,175


	Three Months Ended March 31, 2024
	Commercial		Commercial
	Real Estate		Real Estate		Consumer		Construction		Commercial
	Non-Owner		Owner		Real		and Land		and				Consumer
	Occupied		Occupied		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	6,846	$	8,418	$	7,249	$	4,874	$	6,924	$	640	$	115	$	35,066
Charged-off loans and leases		—				(107)		(441)		(201)		(77)		(94)		(920)
Recoveries of charge-offs		—		2		79		—		26		—		28		135
Provision charged to expense ⁽²⁾		(392)		(31)		25		271		(108)		94		63		(78)
Ending balance	$	6,454	$	8,389	$	7,246	$	4,704	$	6,641	$	657	$	112	$	34,203

(1)

In the provision expense in the consolidated statements of income there was a provision of $136 thousand unfunded commitments through the provision for credit losses not reflected in the three months ended March 31, 2025.

(2)

In the provision expense in the consolidated statements of income was a release of $362 thousand of unfunded commitments through the provision for credit losses not reflected in the three months ended March 31, 2024.

We maintain the allowance for credit losses at a level that we deem appropriate to adequately cover the expected credit loss in the loan and lease portfolio. Our provision for loan and lease losses for the three months ended March 31, 2025, and 2024, is $843 thousand and ($78) thousand, respectively. As of March 31, 2025, and December 31, 2024, our allowance for credit losses was $38.2 million and $37.4 million, respectively, which we deemed to be adequate at each of

the respective dates. Our allowance for credit losses as a percentage of total loans and leases was 0.96% at March 31, 2025, and December 31, 2024.

A description of the general characteristics of the risk grades used by the Company is as follows:

Pass: Loans and leases in this risk category involve borrowers of acceptable-to-strong credit quality and risk who have the apparent ability to satisfy their loan and lease obligations. Loans and leases in this risk grade would possess sufficient mitigating factors, such as adequate collateral or strong guarantors possessing the capacity to repay the debt if required, for any weakness that may exist.

Watch: Loans and leases in this risk category involve borrowers that exhibit characteristics, or are operating under conditions that, if not successfully mitigated as planned, have a reasonable risk of resulting in a downgrade within the next six to twelve months. Loans and leases may remain in this risk category for six months and then are either upgraded or downgraded upon subsequent evaluation.

Special Mention: Loans and leases in this risk grade are the equivalent of the regulatory definition of “Other Assets Especially Mentioned” classification. Loans and leases in this category possess some credit deficiency or potential weakness, which requires a high level of management attention. Potential weaknesses include declining trends in operating earnings and cash flows and /or reliance on the secondary source of repayment. If left uncorrected, these potential weaknesses may result in noticeable deterioration of the repayment prospects for the asset or in the Company’s credit position.

Substandard: Loans and leases in this risk grade are inadequately protected by the borrower’s current financial condition and payment capability or of the collateral pledged, if any. Loans and leases so classified have a well-defined weakness or weaknesses that jeopardize the orderly repayment of debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.

Doubtful: Loans and leases in this risk grade have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or orderly repayment in full, on the basis of current existing facts, conditions and values, highly questionable and improbable. Possibility of loss is extremely high, but because of certain important and reasonably specific factors that may work to the advantage and strengthening of the exposure, its classification as an estimated loss is deferred until its more exact status may be determined.

Uncollectible: Loans and leases in this risk grade are considered to be non-collectible and of such little value that their continuance as bankable assets is not warranted. This does not mean the loan or lease has absolutely no recovery value, but rather it is neither practical nor desirable to defer writing off the loan or lease, even though partial recovery may be obtained in the future. Charge-offs against the allowance for credit losses are taken in the period in which the loan or lease becomes uncollectible. Consequently, the Company typically does not maintain a recorded investment in loans or leases within this category.

The Company evaluates the loan risk grading system definitions and allowance for credit loss methodology on an ongoing basis.

The following tables outline the amount of each loan and lease classification and the amount categorized into each risk rating based on year of origination as of March 31, 2025, and December 31, 2024 (in thousands):


	March 31, 2025
	Loans Amortized Cost Basis by Origination Year
															Revolving
															Loans
													Revolving		Converted
	2025		2024		2023		2022		2021		Prior		Loans		to Term		Total
Commercial real estate - non-owner occupied
Pass	$	53,205	$	226,470	$	149,212	$	282,735	$	201,690	$	165,639	$	7,738	$	-	$	1,086,689
Watch		-		-		1,637		6,730		17,079		4,262		-		-		29,708
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		457		-		-		-		538		-		-		995
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial real estate - non-owner occupied		53,205		226,927		150,849		289,465		218,769		170,439		7,738		-		1,117,392
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Commercial real estate - owner occupied
Pass		27,394		140,755		120,316		267,078		152,868		143,217		13,138		-		864,766
Watch		1,212		4,571		5,847		1,160		-		2,318		1,565		-		16,673
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		317		-		3,282		358		-		-		3,957
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial real estate - owner occupied		28,606		145,326		126,480		268,238		156,150		145,893		14,703		-		885,396
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Consumer real estate
Pass		38,021		159,445		103,193		161,951		80,163		98,765		138,128		199		779,865
Watch		-		-		80		-		108		1,173		1,210		-		2,571
Special mention		-		-		-		-		-		49		-		-		49
Substandard		-		180		49		60		176		1,379		273		-		2,117
Doubtful		-		-		-		-		-		-		-		-		-
Total consumer real estate		38,021		159,625		103,322		162,011		80,447		101,366		139,611		199		784,602
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Construction and land development
Pass		32,958		224,927		32,461		38,274		7,345		11,037		6,762		2,762		356,526
Watch		-		-		-		103		208		-		-		-		311
Special mention		-		493		-		-		-		-		-		-		493
Substandard		-		-		-		-		63		-		-		-		63
Doubtful		-		-		-		-		-		-		-		-		-
Total construction and land development		32,958		225,420		32,461		38,377		7,616		11,037		6,762		2,762		357,393
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Commercial and industrial
Pass		27,650		123,138		119,560		125,587		39,447		41,519		282,370		-		759,271
Watch		-		943		116		105		2,899		-		2,844		-		6,907
Special mention		-		-		-		-		-		-		-		-		-
Substandard		23		9		37		455		1,520		175		57		-		2,276
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial and industrial		27,673		124,090		119,713		126,147		43,866		41,694		285,271		-		768,454
YTD gross charge-offs		-		-		(29)		(30)		-		-		-		-		(59)

Leases
Pass		6,852		23,268		15,438		14,838		2,829		983		-		-		64,208
Watch		-		-		-		-		-		-		-		-		-
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total leases		6,852		23,268		15,438		14,838		2,829		983		-		-		64,208
YTD gross charge-offs		-		(54)		(133)		(3)		-		-		-		-		(190)


	March 31, 2025
	Loans Amortized Cost Basis by Origination Year
															Revolving
															Loans
													Revolving		Converted
	2025		2024		2023		2022		2021		Prior		Loans		to Term		Total
Consumer and other
Pass		1,421		3,607		1,580		819		394		460		6,407		-		14,688
Watch		-		8		-		-		-		-		60		-		68
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		6		-		-		-		-		-		6
Doubtful		-		-		-		-		-		-		-		-		-
Total consumer and other		1,421		3,615		1,586		819		394		460		6,467		-		14,762
YTD gross charge-offs		-		(35)		(12)		(6)		(3)		(27)		-		-		(83)

Total loans
Pass		187,501		901,610		541,760		891,282		484,736		461,620		454,543		2,961		3,926,013
Watch		1,212		5,522		7,680		8,098		20,294		7,753		5,679		-		56,238
Special mention		-		493		-		-		-		49		-		-		542
Substandard		23		646		409		515		5,041		2,450		330		-		9,414
Doubtful		-		-		-		-		-		-		-		-		-
Total loans	$	188,736	$	908,271	$	549,849	$	899,895	$	510,071	$	471,872	$	460,552	$	2,961	$	3,992,207
Total YTD gross charge-offs	$	-	$	(89)	$	(174)	$	(39)	$	(3)	$	(27)	$	-	$	-	$	(332)


	December 31, 2024
	Loans Amortized Cost Basis by Origination Year
															Revolving
															Loans
													Revolving		Converted
	2024		2023		2022		2021		2020		Prior		Loans		to Term		Total
Commercial real estate - non-owner occupied
Pass	$	241,022	$	118,055	$	286,728	$	228,554	$	85,754	$	97,319	$	8,295	$	696	$	1,066,423
Watch		-		1,637		6,769		278		-		4,275		-		-		12,959
Special mention		-		-		-		-		-		-		-		-		-
Substandard		470		-		-		-		301		251		-		-		1,022
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial real estate - non-owner occupied		241,492		119,692		293,497		228,832		86,055		101,845		8,295		696		1,080,404
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Commercial real estate - owner occupied
Pass		145,848		118,233		275,328		155,119		62,755		78,934		12,368		198		848,783
Watch		1,451		2,814		2,398		1,251		1,676		364		744		-		10,698
Special mention		3,147		-		-		-		-		-		-		-		3,147
Substandard		-		332		-		3,303		305		365		745		-		5,050
Doubtful		-		-				-		-		-		-		-		-
Total commercial real estate - owner occupied		150,446		121,379		277,726		159,673		64,736		79,663		13,857		198		867,678
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Consumer real estate
Pass		151,786		105,416		154,956		82,463		47,122		61,844		131,267		2,099		736,953
Watch		-		81		-		109		258		420		1,241		-		2,109
Special mention		-		-		-		-		-		50		-		-		50
Substandard		184		-		61		311		-		1,854		314		-		2,724
Doubtful		-		-		-		-		-		-		-		-		-
Total consumer real estate		151,970		105,497		155,017		82,883		47,380		64,168		132,822		2,099		741,836
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Construction and land development
Pass		199,160		74,200		51,438		6,146		2,168		9,562		12,392		89		355,155
Watch		2,477		-		105		3,015		-		-		-		-		5,597
Special mention		515		-		-		-		-		-		-		-		515
Substandard		262		-		-		68		-		138		-		-		468
Doubtful		-		-		-		-		-		-		-		-		-
Total construction and land development		202,414		74,200		51,543		9,229		2,168		9,700		12,392		89		361,735
YTD gross charge-offs		-		-		-		-		(441)		-		-		-		(441)


	December 31, 2024
	Loans Amortized Cost Basis by Origination Year
															Revolving
															Loans
													Revolving		Converted
	2024		2023		2022		2021		2020		Prior		Loans		to Term		Total
Commercial and industrial
Pass		130,898		128,646		133,782		43,299		17,716		26,933		282,695		3,239		767,208
Watch		103		107		119		2,807		-		-		2,865		14		6,015
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		40		455		1,657		129		46		9		61		2,397
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial and industrial		131,001		128,793		134,356		47,763		17,845		26,979		285,569		3,314		775,620
YTD gross charge-offs		-		(618)		(235)		-		-		-		(29)		(46)		(928)

Leases
Pass		25,371		18,285		16,299		3,601		1,019		303		-		-		64,878
Watch		-		-		-		-		-		-		-		-		-
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total leases		25,371		18,285		16,299		3,601		1,019		303		-		-		64,878
YTD gross charge-offs		(74)		(619)		(589)		(1)		(1)		(28)		-		-		(1,312)

Consumer and other
Pass		4,385		1,932		922		387		284		238		6,024		-		14,172
Watch		4		-		-		-		-		-		-		-		4
Special mention		-		-		-		-		-		-		-		-		-
Substandard		11		-		-		-		-		2		-		-		13
Doubtful		-		-		-		-		-		-		-		-		-
Total consumer and other		4,400		1,932		922		387		284		240		6,024		-		14,189
YTD gross charge-offs		(24)		(84)		(61)		(37)		(53)		(77)		-		-		(336)

Total loans
Pass		898,470		564,767		919,453		519,569		216,818		275,133		453,041		6,321		3,853,572
Watch		4,035		4,639		9,391		7,460		1,934		5,059		4,850		14		37,382
Special mention		3,662		-		-		-		-		50		-		-		3,712
Substandard		927		372		516		5,339		735		2,656		1,068		61		11,674
Doubtful		-		-		-		-		-		-		-		-		-
Total loans	$	907,094	$	569,778	$	929,360	$	532,368	$	219,487	$	282,898	$	458,959	$	6,396	$	3,906,340
Total YTD gross charge-offs	$	(98)	$	(1,321)	$	(885)	$	(38)	$	(495)	$	(105)	$	(29)	$	(46)	$	(3,017)

Past Due Loans and Leases:

A loan or lease is considered past due if any required principal and interest payments have not been received as of the date such payments were required to be made under the terms of the loan or lease agreement. Generally, management places a loan or lease on nonaccrual when there is a clear indicator that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan or lease is 90 days past due.

The following tables present an aging analysis of our loan and lease portfolio (in thousands):


	March 31, 2025
					90 Days
	30-59 Days		60-89 Days		or More		Total		Loans Not		Total
	Past Due		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Non-owner occupied	$	98	$	614	$	263	$	975	$	1,116,417	$	1,117,392
Owner occupied		1,308		358		539		2,205		883,191		885,396
Consumer real estate		2,673		82		892		3,647		780,955		784,602
Construction and land development		19		—		—		19		357,374		357,393
Commercial and industrial		1,104		491		2,078		3,673		764,781		768,454
Leases		2,485		394		2,259		5,138		59,070		64,208
Consumer and other		59		78		35		172		14,590		14,762
Total	$	7,746	$	2,017	$	6,066	$	15,829	$	3,976,378	$	3,992,207


	December 31, 2024
					90 Days
	30-59 Days		60-89 Days		or More		Total		Loans Not		Total
	Past Due		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Non-owner occupied	$	378	$	—	$	263	$	641	$	1,079,763		1,080,404
Owner occupied		731		47		539		1,317		866,361		867,678
Consumer real estate		2,258		826		764		3,848		737,988		741,836
Construction and land development		523		—		—		523		361,212		361,735
Commercial and industrial		1,417		367		1,636		3,420		772,200		775,620
Leases		1,645		—		2,118		3,763		61,115		64,878
Consumer and other		96		24		18		138		14,051		14,189
Total	$	7,048	$	1,264	$	5,338	$	13,650	$	3,892,690	$	3,906,340

The table below presents the amortized cost basis of loans on nonaccrual status and loans past due 90 or more days and still accruing interest at March 31, 2025, and December 31, 2024. Also presented is the balance of loans on nonaccrual status at March 31, 2025 and December 31, 2024, for which there was no related allowance for credit losses is recorded (in thousands):


	March 31, 2025						December 31, 2024
	Total		Nonaccrual		Loans Past Due		Total		Nonaccrual		Loans Past Due
	Nonaccrual		With No Allowance		Over 90 Days		Nonaccrual		With No Allowance		Over 90 Days
	Loans		for Credit Losses		Still Accruing		Loans		for Credit Losses		Still Accruing
Commercial real estate:
Non-owner occupied	$	504	$	263	$	—	$	514	$	263	$	—
Owner occupied		891		539		—		906		539		—
Consumer real estate		1,364		175		—		1,995		752		—
Construction and land development		36		—		—		39		—		—
Commercial and industrial		2,436		—		148		1,820		—		144
Leases		2,387		—		—		2,433		—		—
Consumer and other		6		—		35		2		—		18
Total	$	7,624	$	977	$	183	$	7,709	$	1,554	$	162

The following table presents the amortized cost basis of collateral-dependent loans, which are individually evaluated to determine expected credit losses (in thousands):


	March 31, 2025
	Real Estate		Other		Total
Commercial real estate:
Non-owner occupied	$	720	$	—	$	720
Owner occupied		3,563				3,563
Consumer real estate		462		—		462
Construction and land development		—		—		—
Commercial and industrial		—		2,149		2,149
Leases		—		—		—
Consumer and other		—		—		—
Total	$	4,745	$	2,149	$	6,894

	December 31, 2024
	Real Estate		Other		Total
Commercial real estate:
Non-owner occupied	$	733	$	—	$	733
Owner occupied		4,636				4,636
Consumer real estate		1,139		—		1,139
Construction and land development		262		—		262
Commercial and industrial		—		2,286		2,286
Leases		—		534		534
Consumer and other		—		—		—
Total	$	6,770	$	2,820	$	9,590

Loan Modifications to Borrowers Experiencing Financial Difficulty:

The table below shows the amortized cost of loans and leases made to borrowers experiencing financial difficulty that were modified during the three months ended March 31, 2025 and 2024, respectively. (dollars in thousands):


					Payment Delay
	Payment		Term		and Term
Three Months Ended March 31, 2025	Delay		Extension		Extension		Total
Commercial real estate:
Non-owner occupied	$	—	$	—	$	—	$	—
Owner occupied		—		—		—		—
Consumer real estate		—		—		—		—
Construction and land development		—		—		—		—
Commercial and industrial		—		23		—		23
Leases		—		—		—		—
Consumer and other		—		—		—		—
Total	$	—	$	23	$	—	$	23


					Payment Delay
	Payment		Term		and Term
Three Months Ended March 31, 2024	Delay		Extension		Extension		Total
Commercial real estate:
Non-owner occupied	$	—	$	—	$	—	$	—
Owner occupied		—		200		—		200
Consumer real estate		—		—		—		—
Construction and land development		—		—		—		—
Commercial and industrial		—		—		—		—
Leases		—		—		—		—
Consumer and other		—		—		—		—
Total	$	—	$	200	$	—	$	200

The following table summarizes the financial impacts of loan modifications made to borrowers experiencing financial difficulty during the three months ended March 31, 2025 and 2024, respectively. (dollars in thousands):


	Weighted-Average
	Term
	Extension
Three Months Ended March 31, 2025	(in months)
Commercial real estate:
Non-owner occupied		—
Owner occupied		—
Consumer real estate		—
Construction and land development		—
Commercial and industrial		36
Leases		—
Consumer and other		—


	Weighted-Average
	Term
	Extension
Three Months Ended March 31, 2024	(in months)
Commercial real estate:
Non-owner occupied		—
Owner occupied		3
Consumer real estate		—
Construction and land development		—
Commercial and industrial		—
Leases		—
Consumer and other		—

No loan modifications made to borrowers experiencing financial difficulty defaulted during the three months ended March 31, 2025, and 2024, respectively.

The table below shows an age analysis of loans and leases made to borrowers experiencing financial difficulty that were modified in the last twelve months, (in thousands):


	March 31, 2025
					90 Days
			30-89 Days		or More
	Current		Past Due		Past Due		Nonaccrual		Total
Commercial real estate:
Non-owner occupied	$	—	$	—	$	—	$	—	$	—
Owner occupied		—		—		—		—		—
Consumer real estate		166		—		—		130		296
Construction and land development		—		—		—		—		—
Commercial and industrial		12		—		—		32		44
Leases		—		—		—		—		—
Consumer and other		—		—		—		—		—
Total	$	178	$	—	$	—	$	162	$	340

Foreclosure Proceedings and Balances:

As of March 31, 2025, there was no residential real estate property secured by real estate included in other real estate owned and there were two residential real estate loans totaling $129 thousand in the process of foreclosure.

Goodwill and Intangible Assets

3 Months Ended

Mar. 31, 2025

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Intangible Assets

Note 5. Goodwill and Intangible Assets

In accordance with FASB ASC No. 2021-03, “Goodwill and Other (Topic 350),” regarding testing goodwill for impairment provides an entity the option to first perform a qualitative assessment to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount. The Company performs its annual goodwill impairment test as of December 31 of each year.

The Company’s other intangible assets consist of core deposit intangibles and customer relationship intangibles. They are initially recognized based on a valuation performed as of the consummation date. The core deposit intangible is amortized over the average remaining life of the acquired customer deposits, the insurance agency customer relationships are amortized over 14 years and the leasing company’s client list is amortized over eight years.

The carrying amount of goodwill at March 31, 2025, and December 31, 2024, was $96.1 million.

Other intangible assets as of the dates indicated is summarized below (in thousands):


	Core Deposit		Customer Relationships
Amortized other intangible assets:	Intangibles		Intangibles		Total
March 31, 2025:
Beginning balance January 1, 2024, gross	$	17,470	$	5,670	$	23,140
Less: accumulated amortization		(11,845)		(3,286)		(15,131)
Balance, March 31, 2025, other intangible assets, net	$	5,625	$	2,384	$	8,009

December 31, 2024:
Beginning balance January 1, 2024, gross	$	17,470	$	5,670	$	23,140
Less: accumulated amortization		(11,435)		(3,127)		(14,562)
Balance, December 31, 2024, other intangible assets, net	$	6,035	$	2,543	$	8,578

The aggregate amortization expense for other intangible assets for the three months ended March 31, 2025, and 2024, was $569 thousand and $612 thousand, respectively.

As of March 31, 2025, the estimated aggregate amortization expense for future periods for intangibles is as follows (in thousands):


Remainder of 2025	$	1,686
2026		2,086
2027		1,904
2028		1,139
2029		669
Thereafter		525
Total	$	8,009

Borrowings, Line of Credit and Subordinated Debt

3 Months Ended

Mar. 31, 2025

Borrowings, Line of Credit and Subordinated Debt [Abstract]

Borrowings, Line of Credit and Subordinated Debt

Note 6. Borrowings, Line of Credit and Subordinated Debt

Borrowings:

At March 31, 2025, total borrowings were $7.6 million compared to $8.1 million at December 31, 2024. Borrowings consist of the following (in thousands):


	March 31,		December 31,
	2025		2024
Securities sold under customer repurchase agreements	$	3,610	$	4,135
Other borrowings		4,000		4,000
Total	$	7,610	$	8,135

Securities Sold Under Agreements to Repurchase:

Securities sold under repurchase agreements, which are secured borrowings, generally mature within one to four days from the transaction date. Securities sold under repurchase agreements are reflected at the amount of cash received in connection with the transaction. The Company may be required to provide additional collateral based on the fair value of the underlying securities. The Company monitors the fair value of the underlying securities on a daily basis.

The Company had securities sold under agreements to repurchase with commercial checking customers which were secured by government agency securities. The carrying value of investment securities pledged as collateral under repurchase agreements was $6.4 million and $6.5 million at March 31, 2025 and December 31, 2024, respectively. The average balance of repurchase agreements during the three-month period ended March 31, 2025, and 2024 was $4.2 million and $4.8 million, respectively. The maximum month-end outstanding balance for the three-month period ended March 31, 2025, and 2024 was $4.5 million and $5.3 million, respectively.

Other Borrowings:

The Company has a revolving line of credit for an aggregate amount of $35 million, at March 31, 2025, with a maturity of May 1, 2025. On May 1, 2025, the maturity date was extended to May 1, 2027. At March 31, 2025, and December 31, 2024, $4.0 million was outstanding under the line of credit.

Subordinated Debt:

On September 28, 2018, the Company issued $40 million of 5.625% fixed-to-floating rate subordinated notes (the "Notes"), which were outstanding as of March 31, 2025 and December 31, 2024. Unamortized debt issuance cost was $295 thousand and $316 thousand at March 31, 2025 and December 31, 2024, respectively.

The Notes initially bore interest at a rate of 5.625% per annum from and including September 28, 2018, to but excluding October 2, 2023, with interest during this period payable semi-annually in arrears. As of October 2, 2023, to but excluding the maturity date or early redemption date, the interest rate has, with the sunset of the London Inter-bank Offered Rate, reset quarterly to an annual floating rate equal to three-month Chicago Mercantile Exchange published term Secured Overnight Financing Rate (“SOFR”), plus 281.161 basis points, with interest during this period payable quarterly in arrears. The Notes are redeemable by the Company, in whole or in part, on or after October 2, 2023, and at any time, in whole but not in part, upon the occurrence of certain events. The Notes have been structured to qualify initially as Tier 2 capital for the Company for regulatory capital purposes.

The Notes’ unamortized debt issuance costs totaled $295 thousand at March 31, 2025 and will be amortized through the Notes’ maturity date. Amortization expense totaled $21 thousand for the three months ended March 31, 2025, and 2024, respectively.

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481544/470-10-50-6

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481544/470-10-50-6

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 405
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477092/405-40-50-1

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(c))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 470
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/470/tableOfContent

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 835
-SubTopic 30
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482925/835-30-45-2

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1C
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1C

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1C
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1C

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1C
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1C

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1E
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1I
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I

Reference 20: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1I
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1I
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I

+ Details

Employee Benefit Plans

3 Months Ended

Mar. 31, 2025

Defined Benefit Plan [Abstract]

Employee Benefit Plans

Note 7. Employee Benefit Plans

401(k) Plan:

The Company provides a deferred salary reduction plan (“Plan”) under Section 401(k) of the Internal Revenue Code covering substantially all employees. After 90 days of service, the Company matches 100% of employee contributions up to 3% of compensation and 50% of employee contributions on the next 2% of compensation. The Company’s contribution to the Plan for the three months ending March 31, 2025, and 2024, was $561 thousand and $500 thousand, respectively.

Equity Incentive Plans:

The Compensation Committee of the Company’s board of directors may grant or award eligible participants stock options, restricted stock, restricted stock units, stock appreciation rights, and other stock-based awards or any combination of

awards (collectively referred to herein as "Rights"). At March 31, 2025, the Company’s 2015 Stock Incentive Plan had expired, and no future grants or awards are available under this plan. The Company is seeking approval of a new incentive plan at its upcoming Annual Meeting on May 22, 2025.

The Company’s 2015 Stock Incentive Plan has 5,945 Rights issued.

Stock Options:

A summary of the status of stock option plans is presented in the following table:


		Weighted
		Average
		Exercisable
	Number	Price
Outstanding at December 31, 2024	10,148		15.05
Granted	—		—
Exercised	(4,203)		15.05
Forfeited	—		—
Outstanding at March 31, 2025	5,945	$	15.05

Information pertaining to stock options outstanding at March 31, 2025, is as follows:

Options Outstanding

Options Exercisable

Weighted-

Average

Weighted-

Remaining

Average

Exercise

Number

Contractual

Exercise

Number

Exercise

Prices

Outstanding

Life

Price

Exercisable

Price

$

15.05

5,945

0.50 years

$

15.05

5,945

$

15.05

Outstanding, end of period

5,945

0.50 years

$

15.05

5,945

$

15.05

The Company did not recognize any stock option-based compensation expense during the three months ended March 31, 2025, and 2024, respectively, as all stock options issued are fully vested, and no future compensation cost will be recognized related to nonvested stock-based compensation arrangements granted under the Plan.

Stock options of 4,203 and 4,500 shares were exercised during the three-month periods ended March 31, 2025, and 2024, respectively. The income tax benefit recognized for the exercise of options during the three months ended March 31, 2025, and 2024, was $3 thousand and $14 thousand, respectively.

The intrinsic value of options exercised during the three months ended March 31, 2025, and 2024, was $77 thousand and $54 thousand, respectively. The aggregate intrinsic value of total options outstanding and exercisable options at March 31, 2025, was $95 thousand. Cash received from options exercised under all share-based payment arrangements for the three months ended March 31, 2025, was $63 thousand.

Restricted Stock Awards:

A summary of the activity of the Company’s unvested restricted stock awards for the period ended March 31, 2025, is presented below:


		Weighted
		Average
		Grant-Date
	Number	Fair Value
Outstanding at December 31, 2024	195,859		23.02
Granted	97,408		35.19
Vested	(52,970)		21.91
Forfeited/expired	(1,287)		24.55
Outstanding at March 31, 2025	239,010	$	28.22

The Company measures the fair value of restricted stock awards based on the price of the Company’s common stock on the grant date, and compensation expense is recorded over the vesting period. The compensation expense for restricted stock awards during the three months ended March 31, 2025, and 2024, was $761 thousand and $518 thousand, respectively. As of March 31, 2025, there was $4.2 million of unrecognized compensation cost related to non-vested restricted stock awards granted under the plan. The cost is expected to be recognized over a weighted average period of 2.85 years. The grant-date fair value of restricted stock awards vested was $1.2 million for the three months ended March 31, 2025.

Stock Appreciation Rights (“SARs”):

At March 31, 2025, there are no outstanding SARs.

SARs compensation expense of $0 thousand and ($56) thousand was recognized for the three-month periods ended March 31, 2025, and 2024, respectively. The credit in expense for the three month period ending March 31, 2024, was due to adjustments related to the fair value evaluation of SARs.

Commitments and Contingent Liabilities

3 Months Ended

Mar. 31, 2025

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies

Note 8. Commitments and Contingent Liabilities

The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing and depository needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Such commitments involve, to varying degrees, elements of credit risk and interest rate risk in excess of the amount recognized on the balance sheet. The majority of all commitments to extend credit are variable rate instruments while the standby letters of credit are primarily fixed rate instruments. The Company’s exposure to credit loss is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments as it does for on-balance sheet instruments.

A summary of the Company’s total contractual amount for all off-balance sheet commitments are as follows (in thousands):


	March 31,		December 31,
	2025		2024
Commitments to extend credit	$	844,513	$	828,755
Standby letters of credit		23,577		23,246

At March 31, 2025, and December 31, 2024, the allowance for credit losses for these off-balance sheet commitments was $2.6 million and $2.5 million, respectively. The expense (credit) related to the allowance for credit losses for off-balance sheet commitments during the three months ended March 31, 2025, and 2024, was $136 thousand and ($362) thousand, respectively.

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the customer. Collateral held varies, but may include accounts receivable, inventory, property and equipment, residential real estate, and income-producing commercial properties.

Standby letters of credit issued by the Company are conditional commitments to guarantee the performance of a customer to a third party. Those letters of credit are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Collateral held varies and is required in instances which the Company deems necessary. At March 31, 2025, and December 31, 2024, the carrying amount of liabilities related to the Company’s obligation to perform under standby letters of credit was insignificant.

The Company is subject in the normal course of business to various pending and threatened legal proceedings in which claims for monetary damages are asserted. Management, after consultation with legal counsel, does not anticipate that the aggregate ultimate liability arising out of litigation pending or threatened against the Company will be material to the Company’s consolidated financial position. On an on-going basis, the Company assesses any potential liabilities or contingencies in connection with such legal proceedings. For those matters where it is deemed probable that the Company will incur losses and the amount of the losses can be reasonably estimated, the Company would record an expense and corresponding liability in its consolidated financial statements.

Fair Value Disclosures

3 Months Ended

Mar. 31, 2025

Fair Value Disclosures [Abstract]

Fair Value Disclosures

Note 9. Fair Value Disclosures

Determination of Fair Value:

The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. In accordance with the “Fair Value Measurements and Disclosures” ASC Topic 820, the fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument.

ASC Topic 820 provides a consistent definition of fair value, which focuses on exit price in an orderly transaction between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact business at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value is a reasonable point within the range that is most representative of fair value under current market conditions.

Fair Value Hierarchy:

In accordance with this guidance, the Company groups its financial assets and financial liabilities generally measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value.

Level 1 – Valuation is based on quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. Level 1 assets and liabilities generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities.

Level 2 – Valuation is based on inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. The valuation may be based on quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the asset or liability.

Level 3 – Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which determination of fair value requires significant management judgment or estimation.

A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.

The following methodologies were used by the Company in estimating fair value disclosures for financial instruments measured on a recurring basis:

Securities available-for-sale – The fair value of U.S. Treasury, U.S. Government-sponsored enterprises, municipal securities, other debt securities and mortgage-backed securities, is estimated using a third-party pricing service. The third party provider evaluates securities based on comparable investments with trades and market data and will utilize pricing models that use a variety of inputs, such as benchmark yields, reported trades, broker-dealer quotes, issuer spreads, benchmark securities, bids and offers as needed. These securities are generally classified as Level 2.

Derivative financial instruments and interest rate swap agreements – The fair value for derivative financial instruments and interest rate swap agreements is determined based on market prices, broker-dealer quotations on similar products, or other related input parameters. The derivative financial instruments are generally classified Level 2.

Recurring Measurements of Fair Value:

The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis (in thousands):


			Quoted Prices in		Significant		Significant
			Active Markets		Other		Other
			for Identical		Observable		Unobservable
			Assets		Inputs		Inputs
Description	Fair Value		(Level 1)		(Level 2)		(Level 3)
March 31, 2025:
Assets:
Securities available-for-sale:
U.S. Treasury	$	77,143	$	—	$	77,143	$	—
U.S. Government-sponsored enterprises (GSEs)		38,087		—		38,087		—
Municipal securities		21,773		—		21,773		—
Other debt securities		39,670		—		39,670		—
Mortgage-backed securities (GSEs)		322,772		—		322,772		—
Total securities available-for-sale		499,445		—		499,445		—

Derivative financial instruments and interest rate swap agreements		12,081		—		12,081		—
Total assets at fair value	$	511,526	$	—	$	511,526	$	—

Liabilities:
Derivative financial instruments and interest rate swap agreements	$	12,711	$	—	$	12,711	$	—

December 31, 2024:
Assets:
Securities available-for-sale:
U.S. Treasury	$	76,226	$	—	$	76,226	$	—
U.S. Government-sponsored enterprises (GSEs)		39,188		—		39,188		—
Municipal securities		17,690		—		17,690		—
Other debt securities		39,435		—		39,435		—
Mortgage-backed securities (GSEs)		309,789		—		309,789		—
Total securities available-for-sale		482,328		—		482,328		—

Derivative financial instruments and interest rate swap agreements		12,135		—		12,135		—
Total assets at fair value	$	494,463	$	—	$	494,463	$	—

Liabilities:
Derivative financial instruments and interest rate swap agreements	$	13,198	$	—	$	13,198	$	—

During the three months ending March 31, 2025, and twelve months ended December 31, 2024, there were no transfers between Level 1 and Level 2 or into our out of Level 3 in the fair value hierarchy.

Assets Measured at Fair Value on a Nonrecurring Basis:

Under certain circumstances management adjusts fair value for assets and liabilities although they are not measured at fair value on an ongoing basis. The following tables present the financial instruments carried on the consolidated balance sheets by caption and by level in the fair value hierarchy, for which a nonrecurring change in fair value has been recorded (in thousands):


			Quoted Prices in		Significant		Significant
			Active Markets		Other		Other
			for Identical		Observable		Unobservable
			Assets		Inputs		Inputs
	Fair Value		(Level 1)		(Level 2)		(Level 3)
March 31, 2025:
Collateral-dependent loans	$	760	$	—	$	—	$	760
Other real estate owned		144		—		—		144

December 31, 2024:
Collateral-dependent loans	$	1,813	$	—	$	—	$	1,813

For Level 3 assets measured at fair value on a non-recurring basis, the significant unobservable inputs used in the fair value measurements are presented below (dollars in thousands):


					Weighted
			Valuation	Significant Other	Average of
	Fair Value		Technique	Unobservable Input	Input
March 31, 2025:
Collateral-dependent loans	$	760	Appraisal	Appraisal discounts	42	%
Other real estate owned		144	Appraisal	Appraisal discounts	10	%

December 31, 2024:
Collateral-dependent loans	$	1,813	Appraisal	Appraisal discounts	68	%

Collateral-dependent loans: A collateral-dependent loan is measured based on the fair value of the collateral securing these loans, less selling costs. Collateral-dependent loans are classified within Level 3 of the fair value hierarchy. Collateral may be real estate and/or business assets including equipment, inventory, and/or accounts receivable. The Company determines the value of the collateral based on independent appraisals performed by qualified licensed appraisers. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Appraised values are discounted for costs to sell and may be discounted further based on management’s historical knowledge, changes in market conditions from the date of the most recent appraisal, and/or management’s expertise and knowledge of the customer and the customer’s business. Such discounts by management are subjective and are typically significant unobservable inputs for determining fair value. Collateral-dependent loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors discussed above. The amount of valuation allowance on all collateral-dependent loans was $3.8 and $3.9 million as of March 31, 2025, and December 31, 2024.

Other real estate owned: Other real estate owned, consisting of properties obtained through foreclosure or in satisfaction of loans, are initially recorded at fair value less estimated costs to sell upon transfer of the loans to other real estate. Subsequently, other real estate is carried at the lower of carrying value or fair value less costs to sell. Fair values are generally based on third-party appraisals of the property and are classified within Level 3 of the fair value hierarchy. The appraisals are sometimes further discounted based on management’s historical knowledge, and/or changes in market conditions from the date of the most recent appraisal, and/or management’s expertise and knowledge of the customer and

the customer’s business. Such discounts are typically significant unobservable inputs for determining fair value. In cases where the carrying amount exceeds the fair value, less estimated costs to sell, the difference is recognized in noninterest expense.

Carrying value and estimated fair value:

The carrying amount and estimated fair value of the Company’s financial instruments are as follows (in thousands):


	Fair Value Measurements Using
	Carrying								Estimated
	Amount		Level 1		Level 2		Level 3		Fair Value
March 31, 2025:
Assets:
Cash and cash equivalents	$	422,984	$	422,984	$	—	$	—	$	422,984
Securities available-for-sale		499,445		—		499,445		—		499,445
Securities held-to-maturity		125,576		—		108,561		—		108,561
Other investments		14,371		N/A		N/A		N/A		N/A
Loans and leases, net and loans held for sale		3,957,875		—		—		3,861,402		3,861,402
Derivative financial instruments and interest rate swap agreements		12,081		—		12,081		—		12,081

Liabilities:
Noninterest-bearing demand deposits		884,294		—		884,294		—		884,294
Interest-bearing demand deposits		885,063		—		885,063		—		885,063
Money market and savings deposits		2,131,828		—		2,131,828		—		2,131,828
Time deposits		907,474		—		908,490		—		908,490
Borrowings		7,610		—		7,610		—		7,610
Subordinated debt		39,705		—		—		38,374		38,374
Derivative financial instruments and interest rate swap agreements		12,711		—		12,711		—		12,711

December 31, 2024:
Assets:
Cash and cash equivalents	$	387,570	$	387,570	$	—	$	—	$	387,570
Securities available-for-sale		482,328		—		482,328		—		482,328
Securities held-to-maturity		126,659		—		108,080				108,080
Other investments		14,740		N/A		N/A		N/A		N/A
Loans and leases, net and loans held for sale		3,874,913		—		—		3,768,452		3,768,452
Derivative financial instruments and interest rate swap agreements		12,135		—		12,135		—		12,135

Liabilities:
Noninterest-bearing demand deposits		965,552		—		965,552		—		965,552
Interest-bearing demand deposits		836,731		—		836,731		—		836,731
Money market and savings deposits		2,039,560		—		2,039,560		—		2,039,560
Time deposits		844,640		—		844,694		—		844,694
Borrowings		8,135		—		8,135		—		8,135
Subordinated debt		39,684		—		—		38,043		38,043
Derivative financial instruments and interest rate swap agreements		13,198		—		13,198		—		13,198

Limitations:

Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 107
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-107

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 100
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2E
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 940
-SubTopic 820
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478119/940-820-50-1

+ Details

Derivatives Financial Instruments

3 Months Ended

Mar. 31, 2025

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Derivatives Financial Instruments

Note 10.Derivatives Financial Instruments

Derivatives designated as fair value hedges:

Financial derivatives are reported at fair value in other assets or other liabilities. The accounting for changes in the fair value of a derivative depends on whether it has been designated and qualifies as part of a hedging relationship. For derivative instruments that are designated and qualify as a fair value hedge, the gain or loss on the derivative net investment hedge instrument as well as the offsetting gain or loss on the hedged asset or liability attributable to the hedged risk are recognized in current earnings. The gain or loss on the derivative instrument is presented on the same income statement line item as the earnings effect of the hedged item. The Company utilizes interest rate swaps designated as fair value hedges to mitigate the effect of changing interest rates on the fair values of certain fixed rate securities designated as available-for-sale. The hedging strategy converts the fixed interest rates to SOFR-based variable interest rates. These derivatives are designated as partial term hedges covering specified periods of time prior to the maturity date of the hedged securities. The Company adopted ASU 2017-12, “Derivatives and Hedging (Topic 815) - Targeted Improvements to Accounting for Hedging Activities” in 2018, which allows such partial term hedge designations.

A summary of the Company’s fair value hedge relationships for the periods presented are as follows (dollars in thousands):

Weighted

Average

Balance

Remaining

Weighted

Sheet

Maturity

Average

Receive

Notional

Estimated

Asset/Liability derivatives

Location

(In Years)

Pay Rate

Rate

Amount

Fair Value

March 31, 2025:

Interest rate swap agreements - securities

Other liabilities

1.45

4.31

%

SOFR

$

51,507

$

(380)

December 31, 2024:

Interest rate swap agreements - securities

Other liabilities

1.70

4.31

%

SOFR

$

51,507

$

(224)

The effects of the Company’s fair value hedge relationships reported in interest income on taxable securities on the consolidated income statement were as follows (in thousands):


	Three Months Ended
	March 31,
	2025		2024
Interest income on taxable securities	$	4,774	$	4,442
Effects of fair value hedge relationships		1		106
Reported interest income on taxable securities	$	4,775	$	4,548


	Three Months Ended
	March 31,
Gain (loss) on fair value hedging relationship	2025		2024
Interest rate swap agreements - securities:
Hedged items	$	(380)	$	(9)
Derivative designated as hedging instruments		380		9
Carry amount of hedged assets - mortgage-backed securities		48,115		48,507

Derivatives designated as cash flow hedges:

The Company enters into interest rate derivative contracts on assets and liabilities that are designated as qualifying cash flow hedges. The Company hedges the exposure to variability in expected future cash flows attributable to changes in contractual specified interest rates. To qualify for hedge accounting, a formal assessment is prepared to determine whether

the hedging relationship, both at inception and on an ongoing basis, is expected to be highly effective in offsetting cash flows attributable to the hedged risk. At inception, a statistical regression analysis is prepared to determine hedge effectiveness. At each reporting period thereafter, a statistical regression or qualitative analysis is performed. If it is determined that hedge effectiveness has not been or will not continue to be highly effective, then hedge accounting ceases and any gain or loss in accumulated other comprehensive income (“AOCI”) is recognized in earnings immediately. The cash flow hedges are recorded at fair value in other assets and liabilities on the consolidated balance sheets with changes in fair value recorded in AOCI, net of tax, see – Consolidated Statements of Comprehensive Income (Loss). Amounts recorded to AOCI are reclassified into earnings in the same period in which the hedged asset or liability affects earnings and are presented in the same income statement line item as the earnings effect of the hedged asset or liability, as future interest payments are made on the underlying assets. At March 31, 2025, the Company estimates that in the next 12 months an additional $0 thousand will be reclassified in interest income and $79 thousand will be reclassified as an increase in interest expense.

At March 31, 2025 and December 31, 2024, cash flow hedges are as follows (in thousands):

March 31, 2025

December 31, 2024

Balance Sheet

Notional

Estimated

Balance Sheet

Notional

Estimated

Location

Amount

Fair Value

Location

Amount

Fair Value

Cash flow hedges:

Assets

Other liabilities

$

100,000

$

(171)

Other liabilities

$

100,000

$

(559)

Liabilities

Other liabilities

150,000

(79)

Other liabilities

150,000

(280)

The following table presents the effect of fair value and cash flow hedge accounting on AOCI (in thousands):


Derivatives in cash flow hedging relationships:		Amount of Gain (Loss) Recognized on OCI on Derivative	Location of Gain or (Loss) Recognized from AOCI into Income		Amount of Gain or (Loss) Reclassified from AOCI into Income
Three Months Ended March 31, 2025
Interest rate swaps - Assets	$	387	Interest income	$	13
Interest rate swaps - Liabilities		201	Interest expense		(164)

Three Months Ended March 31, 2024
Interest rate swaps - Assets	$	(1,221)	Interest income	$	(204)
Interest rate swaps - Liabilities		189	Interest expense		(242)

The following table presents the effect of fair value and cash flow hedge accounting on the income statement (in thousands):


	Three Months Ended
	March 31,
	2025		2024
Total interest income	$	66,363	$	59,987
Effects of cash flow hedge relationships		13		(204)
Reported total interest income	$	66,376	$	59,783

Total interest expense	$	27,974	$	28,304
Effects of cash flow hedge relationships		164		(242)
Reported total interest expense	$	28,138	$	28,062

Non-hedged derivatives:

The Company provides a loan hedging program to certain loan customers. Through this program, the Company originates a variable rate loan with the customer. The Company and the customer will then enter into a fixed interest rate swap. Lastly, an identical offsetting swap is entered into by the Company with a dealer bank. These “back-to-back” swap arrangements are intended to offset each other and allow the Company to book a variable rate loan, while providing the customer with a contract for fixed interest payments. In these arrangements, the Company’s net cash flow is equal to the

interest income received from the variable rate loan originated with the customer. These customer swaps are not designated as hedging instruments and are recorded at fair value in other assets and other liabilities. Since the income statement impact of the offsetting positions is limited, any changes in fair value are recognized as other noninterest income in the current period.

At March 31, 2025 and December 31, 2024, interest rate swaps related to the Company’s loan hedging program that were outstanding are presented in the following table (in thousands):


	March 31, 2025				December 31, 2024
		Notional		Estimated		Notional		Estimated
		Amount		Fair Value		Amount		Fair Value
Interest rate swap agreements:
Assets	$	422,429	$	12,081	$	393,268	$	12,135
Liabilities		422,429		(12,081)		393,268		(12,135)

The Company establishes limits and monitors exposures for customer swap positions. Any fees received to enter the swap agreements at inception are recognized in earnings when received and is included in noninterest income. Such fees were as follows (in thousands):

Collateral requirements:

These derivative rate contracts have collateral requirements, both at inception of the trade and as the value of each derivative position changes. At March 31, 2025, and December 31, 2024, collateral totaling $150 was pledged to the derivative counterparties to comply with collateral requirements.

Leases

3 Months Ended

Mar. 31, 2025

Leases [Abstract]

Leases

Note 11. Leases

A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified property, plant or equipment for a period of time in exchange for consideration.

Substantially all of the leases in which the Company is the lessee are comprised of real estate for branches and office space with terms extending through 2044. All of our leases are classified as operating leases. With the adoption of Topic 842, operating lease agreements are required to be recognized on the consolidated balance sheet as a right-of-use (“ROU”) asset and a corresponding lease liability.

The following table represents the consolidated balance sheet classification of the Company’s ROU assets and lease liabilities. The Company elected not to include short-term leases (i.e., leases with initial terms of twelve months or less), or equipment leases (deemed immaterial) on the consolidated balance sheet (in thousands):


	Balance Sheet	March 31,		December 31,
	Location	2025		2024
Assets:
Operating lease right-of-use assets	Other assets	$	11,627	$	11,951
Liabilities:
Operating lease liabilities	Other liabilities	$	12,242	$	12,472

The calculated amount of the ROU assets and lease liabilities in the table above are impacted by the length of the lease term and the discount rate used to present value of the minimum lease payments. The Company’s lease agreements often include one or more options to renew at the Company’s discretion. If, at lease inception, the Company considers the

exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the ROU asset and lease liability. Regarding the discount rate, Topic 842 requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term.

As of March 31, 2025, the weighted average remaining lease term was 10.25 years and the weighted average discount rate was 3.56%.

The following table represents lease costs and other lease information. As the Company elected, for all classes of underlying assets, not to separate lease and non-lease components and instead to account for them as a single lease component, the variable lease cost primarily represents variable payments such as common area maintenance (in thousands):


	Three Months Ended
	March 31,
	2025		2024
Lease costs:
Operating lease costs	$	481	$	451
Variable lease costs		16		30
Sublease income		(24)		—
Net lease cost	$	473	$	481
Other information:
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$	385	$	421

Future minimum payments for operating leases with initial or remaining terms of one year or more as of March 31, 2025, were as follows (in thousands):


	Amounts
Remainder of 2025	$	1,354
2026		1,695
2027		1,489
2028		1,469
2029		1,398
Thereafter		7,648
Total future minimum lease payments		15,053
Amounts representing interest		(2,811)
Present value of net future minimum lease payments	$	12,242

Regulatory Matters

3 Months Ended

Mar. 31, 2025

Banking and Thrift [Abstract]

Regulatory Matters

Note 12. Regulatory Matters

Regulatory Capital Requirements:

The final rules implementing the Basel Committee on Banking Supervision’s capital guidelines for U.S. banks (“Basel III Rules”) became effective January 1, 2015. In order to avoid restrictions on capital distributions and discretionary bonus payments to executives, under the Basel III Rules, a covered banking organization is also required to maintain a “capital conservation buffer” in addition to its minimum risk-based capital requirements. This buffer is required to consist solely of common equity Tier 1 (“CET1”), and the buffer applies to all three risk-based measurements (CET1, Tier 1 capital and total capital). As of January 1, 2019, an additional amount of Tier 1 common equity equal to 2.5% of risk-weighted assets is required for compliance with the capital conservation buffer. The ratios for the Company and the Bank are currently

sufficient to satisfy the fully phased-in conservation buffer. At March 31, 2025, the Company and the Bank exceeded the minimum regulatory requirements and exceeded the threshold for the “well capitalized” regulatory classification.

In December 2018, the Board of Governors of the Federal Reserve System (the “Federal Reserve”), Office of the Comptroller of the Currency, and Federal Deposit Insurance Corporation (“FDIC”) issued a final rule revising regulatory capital rules in anticipation of the adoption of ASU 2016-13, Financial Instruments—Credit Losses Measurement of Credit Losses on Financial Instruments (Topic 326), that provided an option to phase in over a three-year period on a straight line basis the day-one impact of the adoption on earnings and tier one capital. The Company adopted ASU 2016-13 on January 1, 2023, and has chosen the three-year phase in option.

Regulatory Restrictions on Dividends:

Pursuant to Tennessee banking law, the Bank may not, without the prior consent of the Commissioner of the Tennessee Department of Financial Institutions (the “TDFI”), pay any dividends to the Company in a calendar year in excess of the total of the Bank’s retained net income for that year plus the retained net income for the preceding two years. Because this test involves a measure of net income, any charge on the Bank’s income statement, such as an impairment of goodwill, could impair the Bank’s ability to pay dividends to the Company. Under Tennessee corporate law, the Company is not permitted to pay dividends if, after giving effect to such payment, it would not be able to pay its debts as they become due in the usual course of business, or its total assets would be less than the sum of its total liabilities plus any amounts needed to satisfy any preferential rights if it were dissolving. In addition, in deciding whether to declare a dividend of any particular size, the Company’s board of directors must consider its and the Bank’s current and prospective capital, liquidity, and other needs. In addition to state law limitations on the Company’s ability to pay dividends, the Federal Reserve imposes limitations on the Company’s ability to pay dividends. Federal Reserve regulations limit dividends, stock repurchases and discretionary bonuses to executive officers if the Company’s regulatory capital is below the level of regulatory minimums plus the applicable capital conservation buffer.

During the three months ended March 31, 2025, the Bank paid $3.0 million in dividends to the Company, and the Company has paid a quarterly common stock dividend of $0.08 per share. The amount and timing of all future dividend payments by the Company, if any, is subject to discretion of the Company’s board of directors and will depend on the Company’s earnings, capital position, financial condition and other factors, including new regulatory capital requirements, as they become known to the Company.

Regulatory Capital Levels:

Actual and required capital levels at March 31, 2025, and December 31, 2024 are presented below (dollars in thousands):


									Minimum to be
									well
									capitalized under
					Minimum for				prompt
					capital				corrective action
		Actual			adequacy purposes				provisions¹
	Amount		Ratio		Amount		Ratio		Amount		Ratio
March 31, 2025
SmartFinancial:
Total Capital (to Risk Weighted Assets)	$	482,054	11.18	%	$	345,052	8.00	%		N/A	N/A
Tier 1 Capital (to Risk Weighted Assets)		422,107	9.79	%		258,789	6.00	%		N/A	N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)		422,107	9.79	%		194,092	4.50	%		N/A	N/A
Tier 1 Capital (to Average Assets)²		422,107	8.16	%		206,893	4.00	%		N/A	N/A

SmartBank:
Total Capital (to Risk Weighted Assets)	$	489,149	11.35	%	$	344,766	8.00	%	$	430,957	10.00	%
Tier 1 Capital (to Risk Weighted Assets)		453,025	10.51	%		258,574	6.00	%		344,766	8.00	%
Common Equity Tier 1 Capital (to Risk Weighted Assets)		453,025	10.51	%		193,931	4.50	%		280,122	6.50	%
Tier 1 Capital (to Average Assets)²		453,025	8.76	%		206,750	4.00	%		258,437	5.00	%

December 31, 2024
SmartFinancial:
Total Capital (to Risk Weighted Assets)	$	470,635	11.10	%	$	339,044	8.00	%		N/A	N/A
Tier 1 Capital (to Risk Weighted Assets)		413,616	9.76	%		254,283	6.00	%		N/A	N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)		413,616	9.76	%		190,712	4.50	%		N/A	N/A
Tier 1 Capital (to Average Assets)		413,616	8.29	%		199,585	4.00	%		N/A	N/A

SmartBank:
Total Capital (to Risk Weighted Assets)	$	478,368	11.30	%	$	338,774	8.00	%	$	423,467	10.00	%
Tier 1 Capital (to Risk Weighted Assets)		445,159	10.51	%		254,080	6.00	%		338,774	8.00	%
Common Equity Tier 1 Capital (to Risk Weighted Assets)		445,159	10.51	%		190,560	4.50	%		275,253	6.50	%
Tier 1 Capital (to Average Assets)		445,159	8.94	%		199,214	4.00	%		249,017	5.00	%

¹The prompt corrective action provisions are applicable at the Bank level only.

²Average assets for the above calculations were based on the most recent quarter.

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

+ References + Details

Other comprehensive income (loss)

3 Months Ended

Mar. 31, 2025

Equity [Abstract]

Other comprehensive income (loss)

Note 13. Other Comprehensive Income (Loss)

The changes in each component of accumulated other comprehensive income (loss), presented net of tax, were as follows (in thousands):


	Three Months Ended March 31, 2025
									Accumulated
	Securities		Securities		Fair Value				Other
	Available-for-		Transferred to		Municipal		Cash Flow		Comprehensive
	Sale		Held-to-Maturity		Security Hedges		Hedges		Income (Loss)
Beginning balance, December 31, 2024	$	(22,350)	$	(534)	$	(166)	$	(621)	$	(23,671)

Other comprehensive income (loss)		3,681		—		(115)		325		3,891
Reclassification of amounts included in net income		—		22		(1)		112		133
Net other comprehensive income (loss) during period		3,681		22		(116)		437		4,024

Ending balance, March 31, 2025	$	(18,669)	$	(512)	$	(282)	$	(184)	$	(19,647)

	Three Months Ended March 31, 2024
									Accumulated
	Securities		Securities		Fair Value				Other
	Available-for-		Transferred to		Municipal		Cash Flow		Comprehensive
	Sale		Held-to-Maturity		Security Hedges		Hedges		Income (Loss)
Beginning balance, December 31, 2023	$	(23,818)	$	(632)	$	(397)	$	(1,060)	$	(25,907)

Other comprehensive income (loss)		(2,304)		—		312		341		(1,651)
Reclassification of amounts included in net income		—		26		79		28		133
Net other comprehensive income (loss) during period		(2,304)		26		391		369		(1,518)

Ending balance, March 31, 2024	$	(26,122)	$	(606)	$	(6)	$	(691)	$	(27,425)

Segment Information

3 Months Ended

Mar. 31, 2025

Segment Reporting [Abstract]

Segment Information

Note 14. Segment Information

The Company, through the Bank, provides a broad range of financial services to individuals and companies through its offices in East and Middle Tennessee, Alabama and Florida. These services include, but not limited to, primary deposit products are interest-bearing demand deposits, savings and money market deposits, and time deposits. Its primary lending products are commercial, residential, and consumer loans. The Company’s operations are managed, and financial performance is evaluated on an organization-wide basis. Accordingly, the Company’s banking and finance operations are not considered by management to constitute more than one reportable operating segment. This single segment is the General Banking Unit.

The Company’s chief operating decision maker (“CODM”) is the Executive Committee. The CODM includes the senior executive management team including the Chief Executive Officer, Chief Financial Officer, Chief Credit Officer, Chief Accounting Officer, Chief People Officer, Chief Risk Officer, and Chief Banking Officer.

The CODM assesses the performance of the General Banking Unit using a variety of figures, metrics and key performance indicators. However, the CODM primarily utilizes net income and net interest income to make business decisions. The CODM monitors these profitability measures at each meeting, and is regularly featured in various investor presentations, earnings releases, and other internal management reports. These performance and profitability measures influence business decisions and the allocation of resources within the General Banking Unit.

The table below provides information about the General Banking Unit. The most significant expenses to the General Banking Unit are deposit and other borrowing interest expense as well as employee compensation (in thousands):


	Banking Segment
	Three Months Ended March 31,
	2025		2024
Interest income	$	66,376	$	59,783
Interest expense		28,138		28,062
Net interest income		38,238		31,721
Provision for credit losses		979		(440)
Net interest income after provision for credit losses		37,259		32,161
Noninterest income:
Service charges on deposit accounts		1,736		1,612
Mortgage banking		493		280
Investment services		1,769		1,380
Insurance commissions		1,412		1,103
Interchange and debit card transaction fees, net		1,220		1,253
Other		1,967		2,752
Total noninterest income		8,597		8,380
Noninterest expense:
Salaries and employee benefits		19,234		16,639
Occupancy and equipment		3,397		3,396
FDIC insurance		960		915
Other real estate and loan related expense		658		584
Advertising and marketing		382		302
Data processing and technology		2,657		2,465
Professional services		1,368		924
Amortization of intangibles		569		612
Other		3,071		2,716
Total noninterest expense		32,296		28,553
Income before income tax expense		13,560		11,988
Income tax expense		2,306		2,630
Net income	$	11,254	$	9,358

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

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+ Details

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Mar. 31, 2025
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false
Rule 10b51 Arrangement Modified	false
Non Rule 10b51 Arrangement Modified	false

Presentation of Financial Information (Policies)	3 Months Ended
Presentation of Financial Information (Policies)	Mar. 31, 2025
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Business	Nature of Business: SmartFinancial, Inc. (the “Company,” “SmartFinancial,” “we,” “our” or “us”) is a bank holding company whose principal activity is the ownership and management of its wholly owned subsidiary, SmartBank (the “Bank”). The Company provides a variety of financial services to individuals and corporate customers through its offices in East and Middle Tennessee, Alabama, and Florida. The Bank’s primary deposit products are noninterest-bearing and interest-bearing demand deposits, savings and money market deposits, and time deposits. Its primary lending products are commercial, residential, and consumer loans.
Basis of Presentation and Accounting Estimates	Basis of Presentation and Accounting Estimates: The accounting and financial reporting policies of the Company and its wholly owned subsidiary conform to U.S. generally accepted accounting principles (“GAAP”) and reporting guidelines of banking regulatory authorities and regulators. The accompanying interim consolidated financial statements for the Company and its wholly owned subsidiary have not been audited. All material intercompany balances and transactions have been eliminated. In management’s opinion, all accounting adjustments necessary to accurately reflect the financial position and results of operations on the accompanying financial statements have been made. These adjustments are normal and recurring accruals considered necessary for a fair and accurate presentation. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for credit losses, the valuation of foreclosed assets and deferred taxes, the fair value of financial instruments, goodwill, and the fair value of assets acquired, and liabilities assumed in acquisitions. The results for interim periods are not necessarily indicative of results for the full year or any other interim periods. The following unaudited condensed financial statement notes have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”). Certain information and note disclosures normally included in annual financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to those rules and regulations, although the Company believes that the disclosures made are adequate to make the information not misleading. The accompanying unaudited consolidated financial statements should be read in conjunction with the consolidated financial statements and related notes appearing in the Company’s annual report on Form 10-K for the year ended December 31, 2024.
Recently Issued and Adopted Accounting Pronouncements And Recently Issued Not Yet Effective Accounting Pronouncements	Recently Issued and Adopted Accounting Pronouncements: In November 2023, the FASB issued ASU No. 2023-07, “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures.” ASU 2023-07 expands segment disclosure requirements for public entities to require disclosure of significant segment expenses and other segment items on an annual and interim basis and to provide in interim periods all disclosures about a reportable segment’s profit or loss and assets that are currently required annually. This guidance is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. ASU 2023-07 did not have an impact on the Company’s Consolidated Financial Statements. Recently Issued Not Yet Effective Accounting Pronouncements: During interim periods, the Company follows the accounting policies set forth in its annual audited financial statements for the year ended December 31, 2024, as filed in its Annual Report on Form 10-K with the SEC. The following is a summary of recent authoritative pronouncements issued but not yet effective that could impact the accounting, reporting, and/or disclosure of financial information by the Company. In December 2023, FASB issued ASU No. 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures.” ASU 2023-09 requires public business entities to disclose in their rate reconciliation table additional categories of information about federal, state and foreign income taxes and to provide more details about the reconciling items in certain categories if items meet a quantitative threshold. ASU 2023-09 also requires all entities to disclose income taxes paid, net of refunds, disaggregated by federal, state, and foreign taxes for annual periods and to disaggregate the information by jurisdiction based on a quantitative threshold, among other things. The guidance is effective for us the first annual period beginning after December 15, 2024, with first disclosure additions to be included in the 2025 Annual Report on Form 10K. The Company is assessing ASU 2023-09, and its adoption is not expected to have a significant impact on our Consolidated Financial Statements. In November 2024, FASB issued ASU No. 2024-03, “Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses.” ASU 2024-03 requires disaggregated disclosure of income statement expenses for public business entities. ASU 2024-03 requires new financial statement disclosures in tabular format, disaggregating information about prescribed categories underlying any relevant income statement expense caption. The prescribed categories include, among other things, employee compensation, depreciation, and intangible asset amortization. Additionally, entities must disclose the total amount of selling expenses and, in annual reporting periods, an entity’s definition of selling expenses. ASU 2024-03 is effective for us fiscal years beginning after December 15, 2026, and interim periods beginning after December 15, 2027, though early adoption is permitted. The Company is assessing ASU 2024-03, and its adoption is not expected to have a significant impact on our Consolidated Financial Statements.
Earnings Per Share	Basic earnings per common share is computed by dividing net income available to common shareholders by the weighted-average number of common shares outstanding. Diluted earnings per common share is computed by dividing net income available to common shareholders by the weighted average number of common shares outstanding and dilutive common share equivalents using the treasury stock method. Dilutive common share equivalents include common shares issuable upon exercise of outstanding stock options and restricted stock.

Earnings Per Share (Tables)

3 Months Ended

Mar. 31, 2025

Earnings Per Share [Abstract]

Schedule of Earnings Per Share, Basic and Diluted

The following is a summary of the basic and diluted earnings per share computation (dollars in thousands, except share and per share data):


	Three Months Ended
	March 31,
	2025		2024
Basic earnings per share computation:
Net income available to common shareholders	$	11,254	$	9,358
Average common shares outstanding – basic		16,767,535		16,849,735
Basic earnings per share	$	0.67	$	0.56
Diluted earnings per share computation:
Net income available to common shareholders	$	11,254	$	9,358
Average common shares outstanding – basic		16,767,535		16,849,735
Incremental shares from assumed conversions:
Stock options and restricted stock		104,562		75,673
Average common shares outstanding - diluted		16,872,097		16,925,408
Diluted earnings per common share	$	0.67	$	0.55

Securities (Tables)

3 Months Ended

Mar. 31, 2025

Securities [Abstract]

Schedule of Available-for-sale Securities Reconciliation


	March 31, 2025
			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
Available-for-sale:	Cost		Gains		Losses		Value
U.S. Treasury	$	83,087	$	—	$	(5,944)	$	77,143
U.S. Government-sponsored enterprises (GSEs)		37,828		398		(139)		38,087
Municipal securities		22,404		2		(633)		21,773
Other debt securities		41,313		310		(1,953)		39,670
Mortgage-backed securities (GSEs)		340,362		1,174		(18,764)		322,772
Total	$	524,994	$	1,884	$	(27,433)	$	499,445


	December 31, 2024
			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
Available-for-sale:	Cost		Gains		Losses		Value
U.S. Treasury	$	83,330	$	—	$	(7,104)	$	76,226
U.S. Government-sponsored enterprises (GSEs)		38,917		453		(182)		39,188
Municipal securities		18,277		—		(587)		17,690
Other debt securities		41,321		252		(2,138)		39,435
Mortgage-backed securities (GSEs)		330,839		515		(21,565)		309,789
Total	$	512,684	$	1,220	$	(31,576)	$	482,328

Schedule of Held-to-maturity Securities Reconciliation


	March 31, 2025
			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
Held-to-maturity:	Cost		Gains		Losses		Value
U.S. Government-sponsored enterprises (GSEs)	$	47,802	$	—	$	(6,561)	$	41,241
Municipal securities		51,382		—		(6,795)		44,587
Mortgage-backed securities (GSEs)		26,392		—		(3,659)		22,733
Total	$	125,576	$	—	$	(17,015)	$	108,561


	December 31, 2024
			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
Held-to-maturity:	Cost		Gains		Losses		Value
U.S. Government-sponsored enterprises (GSEs)	$	48,112	$	—	$	(7,335)	$	40,777
Municipal securities		51,652		—		(7,037)		44,615
Mortgage-backed securities (GSEs)		26,895		—		(4,207)		22,688
Total	$	126,659	$	—	$	(18,579)	$	108,080

Investments Classified by Contractual Maturity Date

The amortized cost and estimated fair value of securities at March 31, 2025, by contractual maturity for non-mortgage-backed securities are shown below (in thousands). Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.


	March 31, 2025
	Amortized		Fair
Available-for-sale:	Cost		Value
Due in one year or less	$	1,480	$	1,432
Due from one year to five years		93,801		87,781
Due from five years to ten years		75,999		74,539
Due after ten years		13,352		12,921
		184,632		176,673
Mortgage-backed securities		340,362		322,772
Total	$	524,994	$	499,445

Held-to-maturity:
Due in one year or less	$	—	$	—
Due from one year to five years		6,925		6,340
Due from five years to ten years		44,071		38,191
Due after ten years		48,188		41,297
		99,184		85,828
Mortgage-backed securities		26,392		22,733
Total	$	125,576	$	108,561

Schedule of Unrealized Loss on Investments

The following tables present the gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities AFS and HTM have been in a continuous unrealized loss position (in thousands):


	March 31, 2025
	Less than 12 Months					12 Months or Greater					Total
			Gross		Number			Gross		Number			Gross		Number
	Fair		Unrealized		of	Fair		Unrealized		of	Fair		Unrealized		of
Available-for-sale:	Value		Losses		Securities	Value		Losses		Securities	Value		Losses		Securities
U.S. Treasury	$	—	$	—	—	$	77,143	$	(5,944)	9	$	77,143	$	(5,944)	9
U.S. Government-sponsored enterprises (GSEs)		3,775		(27)	2		7,005		(112)	5		10,780		(139)	7
Municipal securities		8,811		(187)	7		11,920		(446)	18		20,731		(633)	25
Other debt securities		2,458		(16)	2		28,428		(1,937)	24		30,886		(1,953)	26
Mortgage-backed securities (GSEs)		40,064		(602)	23		173,162		(18,162)	86		213,226		(18,764)	109
Total	$	55,108	$	(832)	34	$	297,658	$	(26,601)	142	$	352,766	$	(27,433)	176

	March 31, 2025
	Less than 12 Months					12 Months or Greater					Total
			Gross		Number			Gross		Number			Gross		Number
	Fair		Unrealized		of	Fair		Unrealized		of	Fair		Unrealized		of
Held-to-maturity:	Value		Losses		Securities	Value		Losses		Securities	Value		Losses		Securities
U.S. Government-sponsored enterprises (GSEs)	$	—	$	—	—	$	41,240	$	(6,561)	13	$	41,240	$	(6,561)	13
Municipal securities		—		—	—		44,586		(6,795)	35		44,586		(6,795)	35
Mortgage-backed securities (GSEs)		—		—	—		22,733		(3,659)	5		22,733		(3,659)	5
Total	$	—	$	—	—	$	108,559	$	(17,015)	53	$	108,559	$	(17,015)	53


	December 31, 2024
	Less than 12 Months					12 Months or Greater					Total
			Gross		Number			Gross		Number			Gross		Number
	Fair		Unrealized		of	Fair		Unrealized		of	Fair		Unrealized		of
Available-for-sale:	Value		Losses		Securities	Value		Losses		Securities	Value		Losses		Securities
U.S. Treasury	$	—	$	—	—	$	76,226	$	(7,104)	9	$	76,226	$	(7,104)	9
U.S. Government-sponsored enterprises (GSEs)		9,069		(80)	4		4,813		(102)	4		13,882		(182)	8
Municipal securities		5,579		(59)	8		11,322		(528)	17		16,901		(587)	25
Other debt securities		4,425		(36)	3		28,294		(2,102)	24		32,719		(2,138)	27
Mortgage-backed securities (GSEs)		80,111		(939)	39		160,129		(20,626)	83		240,240		(21,565)	122
Total	$	99,184	$	(1,114)	54	$	280,784	$	(30,462)	137	$	379,968	$	(31,576)	191

	December 31, 2024
	Less than 12 Months					12 Months or Greater					Total
			Gross		Number			Gross		Number			Gross		Number
	Fair		Unrealized		of	Fair		Unrealized		of	Fair		Unrealized		of
Held-to-maturity:	Value		Losses		Securities	Value		Losses		Securities	Value		Losses		Securities
U.S. Government-sponsored enterprises (GSEs)	$	—	$	—	—	$	40,777	$	(7,335)	13	$	40,777	$	(7,335)	13
Municipal securities		—		—	—		44,615		(7,037)	35		44,615		(7,037)	35
Mortgage-backed securities (GSEs)		—		—	—		22,688		(4,207)	5		22,688		(4,207)	5
Total	$	—	$	—	—	$	108,080	$	(18,579)	53	$	108,080	$	(18,579)	53

Schedule of Other Investments

The following is the amortized cost and carrying value of other investments (in thousands):


	March 31,		December 31,
	2025		2024
Federal Reserve Bank stock	$	9,581	$	9,045
Federal Home Loan Bank stock		4,440		5,345
First National Bankers Bank stock		350		350
Total	$	14,371	$	14,740

- Definition

Tabular disclosure of information about investment in debt security measured at amortized cost (held-to-maturity).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (aaa)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (f)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (f)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (f)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (f)(4)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5A

Reference 13: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5A
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5A

Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5A
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5A

Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5B
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

Reference 16: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5B
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

Reference 17: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5B
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5B
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

+ Details

Loans and Leases and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2025

Receivables [Abstract]

Schedule of Loans

Major categories of loans and leases are summarized as follows (in thousands):


	March 31,		December 31,
	2025		2024
Commercial real estate:
Non-owner occupied	$	1,117,392	$	1,080,404
Owner occupied		885,396		867,678
Consumer real estate		784,602		741,836
Construction and land development		357,393		361,735
Commercial and industrial		768,454		775,620
Leases		64,208		64,878
Consumer and other		14,762		14,189
Total loans and leases		3,992,207		3,906,340
Less: Allowance for credit losses		(38,175)		(37,423)
Loans and leases, net	$	3,954,032	$	3,868,917

Schedule of Allowance for Loan Losses

The following tables detail the changes in the allowance for credit losses by loan and lease classification (in thousands):


	Three Months Ended March 31, 2025
	Commercial		Commercial
	Real Estate		Real Estate		Consumer		Construction		Commercial
	Non-Owner		Owner		Real		and Land		and				Consumer
	Occupied		Occupied		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	6,972	$	8,341	$	8,355	$	4,168	$	8,552	$	919	$	116	$	37,423
Charged-off loans and leases		—		—		—		—		(59)		(190)		(83)		(332)
Recoveries of charge-offs		—		2		—		200		23		—		16		241
Provision charged to expense ⁽¹⁾		354		72		333		(214)		112		113		73		843
Ending balance	$	7,326	$	8,415	$	8,688	$	4,154	$	8,628	$	842	$	122	$	38,175


	Three Months Ended March 31, 2024
	Commercial		Commercial
	Real Estate		Real Estate		Consumer		Construction		Commercial
	Non-Owner		Owner		Real		and Land		and				Consumer
	Occupied		Occupied		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	6,846	$	8,418	$	7,249	$	4,874	$	6,924	$	640	$	115	$	35,066
Charged-off loans and leases		—				(107)		(441)		(201)		(77)		(94)		(920)
Recoveries of charge-offs		—		2		79		—		26		—		28		135
Provision charged to expense ⁽²⁾		(392)		(31)		25		271		(108)		94		63		(78)
Ending balance	$	6,454	$	8,389	$	7,246	$	4,704	$	6,641	$	657	$	112	$	34,203

(1)

In the provision expense in the consolidated statements of income there was a provision of $136 thousand unfunded commitments through the provision for credit losses not reflected in the three months ended March 31, 2025.

(2)

In the provision expense in the consolidated statements of income was a release of $362 thousand of unfunded commitments through the provision for credit losses not reflected in the three months ended March 31, 2024.

Loan Credit Quality Indicators

The following tables outline the amount of each loan and lease classification and the amount categorized into each risk rating based on year of origination as of March 31, 2025, and December 31, 2024 (in thousands):


	March 31, 2025
	Loans Amortized Cost Basis by Origination Year
															Revolving
															Loans
													Revolving		Converted
	2025		2024		2023		2022		2021		Prior		Loans		to Term		Total
Commercial real estate - non-owner occupied
Pass	$	53,205	$	226,470	$	149,212	$	282,735	$	201,690	$	165,639	$	7,738	$	-	$	1,086,689
Watch		-		-		1,637		6,730		17,079		4,262		-		-		29,708
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		457		-		-		-		538		-		-		995
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial real estate - non-owner occupied		53,205		226,927		150,849		289,465		218,769		170,439		7,738		-		1,117,392
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Commercial real estate - owner occupied
Pass		27,394		140,755		120,316		267,078		152,868		143,217		13,138		-		864,766
Watch		1,212		4,571		5,847		1,160		-		2,318		1,565		-		16,673
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		317		-		3,282		358		-		-		3,957
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial real estate - owner occupied		28,606		145,326		126,480		268,238		156,150		145,893		14,703		-		885,396
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Consumer real estate
Pass		38,021		159,445		103,193		161,951		80,163		98,765		138,128		199		779,865
Watch		-		-		80		-		108		1,173		1,210		-		2,571
Special mention		-		-		-		-		-		49		-		-		49
Substandard		-		180		49		60		176		1,379		273		-		2,117
Doubtful		-		-		-		-		-		-		-		-		-
Total consumer real estate		38,021		159,625		103,322		162,011		80,447		101,366		139,611		199		784,602
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Construction and land development
Pass		32,958		224,927		32,461		38,274		7,345		11,037		6,762		2,762		356,526
Watch		-		-		-		103		208		-		-		-		311
Special mention		-		493		-		-		-		-		-		-		493
Substandard		-		-		-		-		63		-		-		-		63
Doubtful		-		-		-		-		-		-		-		-		-
Total construction and land development		32,958		225,420		32,461		38,377		7,616		11,037		6,762		2,762		357,393
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Commercial and industrial
Pass		27,650		123,138		119,560		125,587		39,447		41,519		282,370		-		759,271
Watch		-		943		116		105		2,899		-		2,844		-		6,907
Special mention		-		-		-		-		-		-		-		-		-
Substandard		23		9		37		455		1,520		175		57		-		2,276
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial and industrial		27,673		124,090		119,713		126,147		43,866		41,694		285,271		-		768,454
YTD gross charge-offs		-		-		(29)		(30)		-		-		-		-		(59)

Leases
Pass		6,852		23,268		15,438		14,838		2,829		983		-		-		64,208
Watch		-		-		-		-		-		-		-		-		-
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total leases		6,852		23,268		15,438		14,838		2,829		983		-		-		64,208
YTD gross charge-offs		-		(54)		(133)		(3)		-		-		-		-		(190)


	March 31, 2025
	Loans Amortized Cost Basis by Origination Year
															Revolving
															Loans
													Revolving		Converted
	2025		2024		2023		2022		2021		Prior		Loans		to Term		Total
Consumer and other
Pass		1,421		3,607		1,580		819		394		460		6,407		-		14,688
Watch		-		8		-		-		-		-		60		-		68
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		6		-		-		-		-		-		6
Doubtful		-		-		-		-		-		-		-		-		-
Total consumer and other		1,421		3,615		1,586		819		394		460		6,467		-		14,762
YTD gross charge-offs		-		(35)		(12)		(6)		(3)		(27)		-		-		(83)

Total loans
Pass		187,501		901,610		541,760		891,282		484,736		461,620		454,543		2,961		3,926,013
Watch		1,212		5,522		7,680		8,098		20,294		7,753		5,679		-		56,238
Special mention		-		493		-		-		-		49		-		-		542
Substandard		23		646		409		515		5,041		2,450		330		-		9,414
Doubtful		-		-		-		-		-		-		-		-		-
Total loans	$	188,736	$	908,271	$	549,849	$	899,895	$	510,071	$	471,872	$	460,552	$	2,961	$	3,992,207
Total YTD gross charge-offs	$	-	$	(89)	$	(174)	$	(39)	$	(3)	$	(27)	$	-	$	-	$	(332)


	December 31, 2024
	Loans Amortized Cost Basis by Origination Year
															Revolving
															Loans
													Revolving		Converted
	2024		2023		2022		2021		2020		Prior		Loans		to Term		Total
Commercial real estate - non-owner occupied
Pass	$	241,022	$	118,055	$	286,728	$	228,554	$	85,754	$	97,319	$	8,295	$	696	$	1,066,423
Watch		-		1,637		6,769		278		-		4,275		-		-		12,959
Special mention		-		-		-		-		-		-		-		-		-
Substandard		470		-		-		-		301		251		-		-		1,022
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial real estate - non-owner occupied		241,492		119,692		293,497		228,832		86,055		101,845		8,295		696		1,080,404
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Commercial real estate - owner occupied
Pass		145,848		118,233		275,328		155,119		62,755		78,934		12,368		198		848,783
Watch		1,451		2,814		2,398		1,251		1,676		364		744		-		10,698
Special mention		3,147		-		-		-		-		-		-		-		3,147
Substandard		-		332		-		3,303		305		365		745		-		5,050
Doubtful		-		-				-		-		-		-		-		-
Total commercial real estate - owner occupied		150,446		121,379		277,726		159,673		64,736		79,663		13,857		198		867,678
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Consumer real estate
Pass		151,786		105,416		154,956		82,463		47,122		61,844		131,267		2,099		736,953
Watch		-		81		-		109		258		420		1,241		-		2,109
Special mention		-		-		-		-		-		50		-		-		50
Substandard		184		-		61		311		-		1,854		314		-		2,724
Doubtful		-		-		-		-		-		-		-		-		-
Total consumer real estate		151,970		105,497		155,017		82,883		47,380		64,168		132,822		2,099		741,836
YTD gross charge-offs		-		-		-		-		-		-		-		-		-

Construction and land development
Pass		199,160		74,200		51,438		6,146		2,168		9,562		12,392		89		355,155
Watch		2,477		-		105		3,015		-		-		-		-		5,597
Special mention		515		-		-		-		-		-		-		-		515
Substandard		262		-		-		68		-		138		-		-		468
Doubtful		-		-		-		-		-		-		-		-		-
Total construction and land development		202,414		74,200		51,543		9,229		2,168		9,700		12,392		89		361,735
YTD gross charge-offs		-		-		-		-		(441)		-		-		-		(441)


	December 31, 2024
	Loans Amortized Cost Basis by Origination Year
															Revolving
															Loans
													Revolving		Converted
	2024		2023		2022		2021		2020		Prior		Loans		to Term		Total
Commercial and industrial
Pass		130,898		128,646		133,782		43,299		17,716		26,933		282,695		3,239		767,208
Watch		103		107		119		2,807		-		-		2,865		14		6,015
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		40		455		1,657		129		46		9		61		2,397
Doubtful		-		-		-		-		-		-		-		-		-
Total commercial and industrial		131,001		128,793		134,356		47,763		17,845		26,979		285,569		3,314		775,620
YTD gross charge-offs		-		(618)		(235)		-		-		-		(29)		(46)		(928)

Leases
Pass		25,371		18,285		16,299		3,601		1,019		303		-		-		64,878
Watch		-		-		-		-		-		-		-		-		-
Special mention		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total leases		25,371		18,285		16,299		3,601		1,019		303		-		-		64,878
YTD gross charge-offs		(74)		(619)		(589)		(1)		(1)		(28)		-		-		(1,312)

Consumer and other
Pass		4,385		1,932		922		387		284		238		6,024		-		14,172
Watch		4		-		-		-		-		-		-		-		4
Special mention		-		-		-		-		-		-		-		-		-
Substandard		11		-		-		-		-		2		-		-		13
Doubtful		-		-		-		-		-		-		-		-		-
Total consumer and other		4,400		1,932		922		387		284		240		6,024		-		14,189
YTD gross charge-offs		(24)		(84)		(61)		(37)		(53)		(77)		-		-		(336)

Total loans
Pass		898,470		564,767		919,453		519,569		216,818		275,133		453,041		6,321		3,853,572
Watch		4,035		4,639		9,391		7,460		1,934		5,059		4,850		14		37,382
Special mention		3,662		-		-		-		-		50		-		-		3,712
Substandard		927		372		516		5,339		735		2,656		1,068		61		11,674
Doubtful		-		-		-		-		-		-		-		-		-
Total loans	$	907,094	$	569,778	$	929,360	$	532,368	$	219,487	$	282,898	$	458,959	$	6,396	$	3,906,340
Total YTD gross charge-offs	$	(98)	$	(1,321)	$	(885)	$	(38)	$	(495)	$	(105)	$	(29)	$	(46)	$	(3,017)

Past Due Loans and Leases

The following tables present an aging analysis of our loan and lease portfolio (in thousands):


	March 31, 2025
					90 Days
	30-59 Days		60-89 Days		or More		Total		Loans Not		Total
	Past Due		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Non-owner occupied	$	98	$	614	$	263	$	975	$	1,116,417	$	1,117,392
Owner occupied		1,308		358		539		2,205		883,191		885,396
Consumer real estate		2,673		82		892		3,647		780,955		784,602
Construction and land development		19		—		—		19		357,374		357,393
Commercial and industrial		1,104		491		2,078		3,673		764,781		768,454
Leases		2,485		394		2,259		5,138		59,070		64,208
Consumer and other		59		78		35		172		14,590		14,762
Total	$	7,746	$	2,017	$	6,066	$	15,829	$	3,976,378	$	3,992,207


	December 31, 2024
					90 Days
	30-59 Days		60-89 Days		or More		Total		Loans Not		Total
	Past Due		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Non-owner occupied	$	378	$	—	$	263	$	641	$	1,079,763		1,080,404
Owner occupied		731		47		539		1,317		866,361		867,678
Consumer real estate		2,258		826		764		3,848		737,988		741,836
Construction and land development		523		—		—		523		361,212		361,735
Commercial and industrial		1,417		367		1,636		3,420		772,200		775,620
Leases		1,645		—		2,118		3,763		61,115		64,878
Consumer and other		96		24		18		138		14,051		14,189
Total	$	7,048	$	1,264	$	5,338	$	13,650	$	3,892,690	$	3,906,340

Summary of amortized cost basis of loans on nonaccrual status and loans past due 90 or more days and still accruing interest

The table below presents the amortized cost basis of loans on nonaccrual status and loans past due 90 or more days and still accruing interest at March 31, 2025, and December 31, 2024. Also presented is the balance of loans on nonaccrual status at March 31, 2025 and December 31, 2024, for which there was no related allowance for credit losses is recorded (in thousands):


	March 31, 2025						December 31, 2024
	Total		Nonaccrual		Loans Past Due		Total		Nonaccrual		Loans Past Due
	Nonaccrual		With No Allowance		Over 90 Days		Nonaccrual		With No Allowance		Over 90 Days
	Loans		for Credit Losses		Still Accruing		Loans		for Credit Losses		Still Accruing
Commercial real estate:
Non-owner occupied	$	504	$	263	$	—	$	514	$	263	$	—
Owner occupied		891		539		—		906		539		—
Consumer real estate		1,364		175		—		1,995		752		—
Construction and land development		36		—		—		39		—		—
Commercial and industrial		2,436		—		148		1,820		—		144
Leases		2,387		—		—		2,433		—		—
Consumer and other		6		—		35		2		—		18
Total	$	7,624	$	977	$	183	$	7,709	$	1,554	$	162

Summary of amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses

The following table presents the amortized cost basis of collateral-dependent loans, which are individually evaluated to determine expected credit losses (in thousands):


	March 31, 2025
	Real Estate		Other		Total
Commercial real estate:
Non-owner occupied	$	720	$	—	$	720
Owner occupied		3,563				3,563
Consumer real estate		462		—		462
Construction and land development		—		—		—
Commercial and industrial		—		2,149		2,149
Leases		—		—		—
Consumer and other		—		—		—
Total	$	4,745	$	2,149	$	6,894

	December 31, 2024
	Real Estate		Other		Total
Commercial real estate:
Non-owner occupied	$	733	$	—	$	733
Owner occupied		4,636				4,636
Consumer real estate		1,139		—		1,139
Construction and land development		262		—		262
Commercial and industrial		—		2,286		2,286
Leases		—		534		534
Consumer and other		—		—		—
Total	$	6,770	$	2,820	$	9,590

Summary of loans and leases made to borrowers experiencing financial difficulty that were modified


					Payment Delay
	Payment		Term		and Term
Three Months Ended March 31, 2025	Delay		Extension		Extension		Total
Commercial real estate:
Non-owner occupied	$	—	$	—	$	—	$	—
Owner occupied		—		—		—		—
Consumer real estate		—		—		—		—
Construction and land development		—		—		—		—
Commercial and industrial		—		23		—		23
Leases		—		—		—		—
Consumer and other		—		—		—		—
Total	$	—	$	23	$	—	$	23


					Payment Delay
	Payment		Term		and Term
Three Months Ended March 31, 2024	Delay		Extension		Extension		Total
Commercial real estate:
Non-owner occupied	$	—	$	—	$	—	$	—
Owner occupied		—		200		—		200
Consumer real estate		—		—		—		—
Construction and land development		—		—		—		—
Commercial and industrial		—		—		—		—
Leases		—		—		—		—
Consumer and other		—		—		—		—
Total	$	—	$	200	$	—	$	200

The following table summarizes the financial impacts of loan modifications made to borrowers experiencing financial difficulty during the three months ended March 31, 2025 and 2024, respectively. (dollars in thousands):


	Weighted-Average
	Term
	Extension
Three Months Ended March 31, 2025	(in months)
Commercial real estate:
Non-owner occupied		—
Owner occupied		—
Consumer real estate		—
Construction and land development		—
Commercial and industrial		36
Leases		—
Consumer and other		—


	Weighted-Average
	Term
	Extension
Three Months Ended March 31, 2024	(in months)
Commercial real estate:
Non-owner occupied		—
Owner occupied		3
Consumer real estate		—
Construction and land development		—
Commercial and industrial		—
Leases		—
Consumer and other		—

The table below shows an age analysis of loans and leases made to borrowers experiencing financial difficulty that were modified in the last twelve months, (in thousands):


	March 31, 2025
					90 Days
			30-89 Days		or More
	Current		Past Due		Past Due		Nonaccrual		Total
Commercial real estate:
Non-owner occupied	$	—	$	—	$	—	$	—	$	—
Owner occupied		—		—		—		—		—
Consumer real estate		166		—		—		130		296
Construction and land development		—		—		—		—		—
Commercial and industrial		12		—		—		32		44
Leases		—		—		—		—		—
Consumer and other		—		—		—		—		—
Total	$	178	$	—	$	—	$	162	$	340

Goodwill and Intangible Assets (Tables)

3 Months Ended

Mar. 31, 2025

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Finite-Lived Intangible Assets

Other intangible assets as of the dates indicated is summarized below (in thousands):


	Core Deposit		Customer Relationships
Amortized other intangible assets:	Intangibles		Intangibles		Total
March 31, 2025:
Beginning balance January 1, 2024, gross	$	17,470	$	5,670	$	23,140
Less: accumulated amortization		(11,845)		(3,286)		(15,131)
Balance, March 31, 2025, other intangible assets, net	$	5,625	$	2,384	$	8,009

December 31, 2024:
Beginning balance January 1, 2024, gross	$	17,470	$	5,670	$	23,140
Less: accumulated amortization		(11,435)		(3,127)		(14,562)
Balance, December 31, 2024, other intangible assets, net	$	6,035	$	2,543	$	8,578

Schedule of Finite-Lived Intangible Assets, Future Amortization Expense

As of March 31, 2025, the estimated aggregate amortization expense for future periods for intangibles is as follows (in thousands):


Remainder of 2025	$	1,686
2026		2,086
2027		1,904
2028		1,139
2029		669
Thereafter		525
Total	$	8,009

Borrowings, Line of Credit and Subordinated Debt (Tables)

3 Months Ended

Mar. 31, 2025

Borrowings, Line of Credit and Subordinated Debt [Abstract]

Schedule of debt

At March 31, 2025, total borrowings were $7.6 million compared to $8.1 million at December 31, 2024. Borrowings consist of the following (in thousands):


	March 31,		December 31,
	2025		2024
Securities sold under customer repurchase agreements	$	3,610	$	4,135
Other borrowings		4,000		4,000
Total	$	7,610	$	8,135

Employee Benefit Plans (Tables)

3 Months Ended

Mar. 31, 2025

Defined Benefit Plan [Abstract]

Schedule of Option Activity

A summary of the status of stock option plans is presented in the following table:


		Weighted
		Average
		Exercisable
	Number	Price
Outstanding at December 31, 2024	10,148		15.05
Granted	—		—
Exercised	(4,203)		15.05
Forfeited	—		—
Outstanding at March 31, 2025	5,945	$	15.05

Schedule of Options Outstanding by Exercise Price Range

Options Outstanding

Options Exercisable

Weighted-

Average

Weighted-

Remaining

Average

Exercise

Number

Contractual

Exercise

Number

Exercise

Prices

Outstanding

Life

Price

Exercisable

Price

$

15.05

5,945

0.50 years

$

15.05

5,945

$

15.05

Outstanding, end of period

5,945

0.50 years

$

15.05

5,945

$

15.05

Schedule of Non-vested Restricted Stock Awards


		Weighted
		Average
		Grant-Date
	Number	Fair Value
Outstanding at December 31, 2024	195,859		23.02
Granted	97,408		35.19
Vested	(52,970)		21.91
Forfeited/expired	(1,287)		24.55
Outstanding at March 31, 2025	239,010	$	28.22

Commitments and Contingent Liabilities (Tables)

3 Months Ended

Mar. 31, 2025

Commitments and Contingencies Disclosure [Abstract]

Other Commitments

A summary of the Company’s total contractual amount for all off-balance sheet commitments are as follows (in thousands):


	March 31,		December 31,
	2025		2024
Commitments to extend credit	$	844,513	$	828,755
Standby letters of credit		23,577		23,246

Fair Value Disclosures (Tables)

3 Months Ended

Mar. 31, 2025

Fair Value Disclosures [Abstract]

Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis

The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis (in thousands):


			Quoted Prices in		Significant		Significant
			Active Markets		Other		Other
			for Identical		Observable		Unobservable
			Assets		Inputs		Inputs
Description	Fair Value		(Level 1)		(Level 2)		(Level 3)
March 31, 2025:
Assets:
Securities available-for-sale:
U.S. Treasury	$	77,143	$	—	$	77,143	$	—
U.S. Government-sponsored enterprises (GSEs)		38,087		—		38,087		—
Municipal securities		21,773		—		21,773		—
Other debt securities		39,670		—		39,670		—
Mortgage-backed securities (GSEs)		322,772		—		322,772		—
Total securities available-for-sale		499,445		—		499,445		—

Derivative financial instruments and interest rate swap agreements		12,081		—		12,081		—
Total assets at fair value	$	511,526	$	—	$	511,526	$	—

Liabilities:
Derivative financial instruments and interest rate swap agreements	$	12,711	$	—	$	12,711	$	—

December 31, 2024:
Assets:
Securities available-for-sale:
U.S. Treasury	$	76,226	$	—	$	76,226	$	—
U.S. Government-sponsored enterprises (GSEs)		39,188		—		39,188		—
Municipal securities		17,690		—		17,690		—
Other debt securities		39,435		—		39,435		—
Mortgage-backed securities (GSEs)		309,789		—		309,789		—
Total securities available-for-sale		482,328		—		482,328		—

Derivative financial instruments and interest rate swap agreements		12,135		—		12,135		—
Total assets at fair value	$	494,463	$	—	$	494,463	$	—

Liabilities:
Derivative financial instruments and interest rate swap agreements	$	13,198	$	—	$	13,198	$	—

Fair Value, Assets and Liabilities Measured on Nonrecurring Basis


			Quoted Prices in		Significant		Significant
			Active Markets		Other		Other
			for Identical		Observable		Unobservable
			Assets		Inputs		Inputs
	Fair Value		(Level 1)		(Level 2)		(Level 3)
March 31, 2025:
Collateral-dependent loans	$	760	$	—	$	—	$	760
Other real estate owned		144		—		—		144

December 31, 2024:
Collateral-dependent loans	$	1,813	$	—	$	—	$	1,813

Fair Value Measurement Inputs and Valuation Techniques

For Level 3 assets measured at fair value on a non-recurring basis, the significant unobservable inputs used in the fair value measurements are presented below (dollars in thousands):


					Weighted
			Valuation	Significant Other	Average of
	Fair Value		Technique	Unobservable Input	Input
March 31, 2025:
Collateral-dependent loans	$	760	Appraisal	Appraisal discounts	42	%
Other real estate owned		144	Appraisal	Appraisal discounts	10	%

December 31, 2024:
Collateral-dependent loans	$	1,813	Appraisal	Appraisal discounts	68	%

Fair Value, by Balance Sheet Grouping

The carrying amount and estimated fair value of the Company’s financial instruments are as follows (in thousands):


	Fair Value Measurements Using
	Carrying								Estimated
	Amount		Level 1		Level 2		Level 3		Fair Value
March 31, 2025:
Assets:
Cash and cash equivalents	$	422,984	$	422,984	$	—	$	—	$	422,984
Securities available-for-sale		499,445		—		499,445		—		499,445
Securities held-to-maturity		125,576		—		108,561		—		108,561
Other investments		14,371		N/A		N/A		N/A		N/A
Loans and leases, net and loans held for sale		3,957,875		—		—		3,861,402		3,861,402
Derivative financial instruments and interest rate swap agreements		12,081		—		12,081		—		12,081

Liabilities:
Noninterest-bearing demand deposits		884,294		—		884,294		—		884,294
Interest-bearing demand deposits		885,063		—		885,063		—		885,063
Money market and savings deposits		2,131,828		—		2,131,828		—		2,131,828
Time deposits		907,474		—		908,490		—		908,490
Borrowings		7,610		—		7,610		—		7,610
Subordinated debt		39,705		—		—		38,374		38,374
Derivative financial instruments and interest rate swap agreements		12,711		—		12,711		—		12,711

December 31, 2024:
Assets:
Cash and cash equivalents	$	387,570	$	387,570	$	—	$	—	$	387,570
Securities available-for-sale		482,328		—		482,328		—		482,328
Securities held-to-maturity		126,659		—		108,080				108,080
Other investments		14,740		N/A		N/A		N/A		N/A
Loans and leases, net and loans held for sale		3,874,913		—		—		3,768,452		3,768,452
Derivative financial instruments and interest rate swap agreements		12,135		—		12,135		—		12,135

Liabilities:
Noninterest-bearing demand deposits		965,552		—		965,552		—		965,552
Interest-bearing demand deposits		836,731		—		836,731		—		836,731
Money market and savings deposits		2,039,560		—		2,039,560		—		2,039,560
Time deposits		844,640		—		844,694		—		844,694
Borrowings		8,135		—		8,135		—		8,135
Subordinated debt		39,684		—		—		38,043		38,043
Derivative financial instruments and interest rate swap agreements		13,198		—		13,198		—		13,198

Derivatives Financial Instruments (Tables)

3 Months Ended

Mar. 31, 2025

Derivative [Line Items]

Schedule of Hedge Relationships on Income Statement

The following table presents the effect of fair value and cash flow hedge accounting on the income statement (in thousands):


	Three Months Ended
	March 31,
	2025		2024
Total interest income	$	66,363	$	59,987
Effects of cash flow hedge relationships		13		(204)
Reported total interest income	$	66,376	$	59,783

Total interest expense	$	27,974	$	28,304
Effects of cash flow hedge relationships		164		(242)
Reported total interest expense	$	28,138	$	28,062

Schedule of interest rate swaps related to loan hedging program

At March 31, 2025 and December 31, 2024, interest rate swaps related to the Company’s loan hedging program that were outstanding are presented in the following table (in thousands):


	March 31, 2025				December 31, 2024
		Notional		Estimated		Notional		Estimated
		Amount		Fair Value		Amount		Fair Value
Interest rate swap agreements:
Assets	$	422,429	$	12,081	$	393,268	$	12,135
Liabilities		422,429		(12,081)		393,268		(12,135)

Schedule of interest rate swap to facilitate customer's transactions

The Company establishes limits and monitors exposures for customer swap positions. Any fees received to enter the swap agreements at inception are recognized in earnings when received and is included in noninterest income. Such fees were as follows (in thousands):

Designated as Hedging Instrument [Member] | Fair Value Hedging [Member]

Derivative [Line Items]

Schedule of Hedge Relationships on Income Statement

Weighted

Average

Balance

Remaining

Weighted

Sheet

Maturity

Average

Receive

Notional

Estimated

Asset/Liability derivatives

Location

(In Years)

Pay Rate

Rate

Amount

Fair Value

March 31, 2025:

Interest rate swap agreements - securities

Other liabilities

1.45

4.31

%

SOFR

$

51,507

$

(380)

December 31, 2024:

Interest rate swap agreements - securities

Other liabilities

1.70

4.31

%

SOFR

$

51,507

$

(224)

The effects of the Company’s fair value hedge relationships reported in interest income on taxable securities on the consolidated income statement were as follows (in thousands):


	Three Months Ended
	March 31,
	2025		2024
Interest income on taxable securities	$	4,774	$	4,442
Effects of fair value hedge relationships		1		106
Reported interest income on taxable securities	$	4,775	$	4,548


	Three Months Ended
	March 31,
Gain (loss) on fair value hedging relationship	2025		2024
Interest rate swap agreements - securities:
Hedged items	$	(380)	$	(9)
Derivative designated as hedging instruments		380		9
Carry amount of hedged assets - mortgage-backed securities		48,115		48,507

Designated as Hedging Instrument [Member] | Cash Flow Hedging [Member]

Derivative [Line Items]

Schedule of Fair Value Hedge Relationships in Balance Sheet

At March 31, 2025 and December 31, 2024, cash flow hedges are as follows (in thousands):

March 31, 2025

December 31, 2024

Balance Sheet

Notional

Estimated

Balance Sheet

Notional

Estimated

Location

Amount

Fair Value

Location

Amount

Fair Value

Cash flow hedges:

Assets

Other liabilities

$

100,000

$

(171)

Other liabilities

$

100,000

$

(559)

Liabilities

Other liabilities

150,000

(79)

Other liabilities

150,000

(280)

Schedule of Hedge Relationships on AOCI

The following table presents the effect of fair value and cash flow hedge accounting on AOCI (in thousands):


Derivatives in cash flow hedging relationships:		Amount of Gain (Loss) Recognized on OCI on Derivative	Location of Gain or (Loss) Recognized from AOCI into Income		Amount of Gain or (Loss) Reclassified from AOCI into Income
Three Months Ended March 31, 2025
Interest rate swaps - Assets	$	387	Interest income	$	13
Interest rate swaps - Liabilities		201	Interest expense		(164)

Three Months Ended March 31, 2024
Interest rate swaps - Assets	$	(1,221)	Interest income	$	(204)
Interest rate swaps - Liabilities		189	Interest expense		(242)

Leases (Tables)

3 Months Ended

Mar. 31, 2025

Leases [Abstract]

Summary of Lease Assets and Liabilities

The following table represents the consolidated balance sheet classification of the Company’s ROU assets and lease liabilities. The Company elected not to include short-term leases (i.e., leases with initial terms of twelve months or less), or equipment leases (deemed immaterial) on the consolidated balance sheet (in thousands):


	Balance Sheet	March 31,		December 31,
	Location	2025		2024
Assets:
Operating lease right-of-use assets	Other assets	$	11,627	$	11,951
Liabilities:
Operating lease liabilities	Other liabilities	$	12,242	$	12,472

Summary of Lease Costs and Other Information

The following table represents lease costs and other lease information. As the Company elected, for all classes of underlying assets, not to separate lease and non-lease components and instead to account for them as a single lease component, the variable lease cost primarily represents variable payments such as common area maintenance (in thousands):


	Three Months Ended
	March 31,
	2025		2024
Lease costs:
Operating lease costs	$	481	$	451
Variable lease costs		16		30
Sublease income		(24)		—
Net lease cost	$	473	$	481
Other information:
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$	385	$	421

Schedule of Remaining Minimum Lease Payments

Future minimum payments for operating leases with initial or remaining terms of one year or more as of March 31, 2025, were as follows (in thousands):


	Amounts
Remainder of 2025	$	1,354
2026		1,695
2027		1,489
2028		1,469
2029		1,398
Thereafter		7,648
Total future minimum lease payments		15,053
Amounts representing interest		(2,811)
Present value of net future minimum lease payments	$	12,242

Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2025

Banking and Thrift [Abstract]

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

Actual and required capital levels at March 31, 2025, and December 31, 2024 are presented below (dollars in thousands):


									Minimum to be
									well
									capitalized under
					Minimum for				prompt
					capital				corrective action
		Actual			adequacy purposes				provisions¹
	Amount		Ratio		Amount		Ratio		Amount		Ratio
March 31, 2025
SmartFinancial:
Total Capital (to Risk Weighted Assets)	$	482,054	11.18	%	$	345,052	8.00	%		N/A	N/A
Tier 1 Capital (to Risk Weighted Assets)		422,107	9.79	%		258,789	6.00	%		N/A	N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)		422,107	9.79	%		194,092	4.50	%		N/A	N/A
Tier 1 Capital (to Average Assets)²		422,107	8.16	%		206,893	4.00	%		N/A	N/A

SmartBank:
Total Capital (to Risk Weighted Assets)	$	489,149	11.35	%	$	344,766	8.00	%	$	430,957	10.00	%
Tier 1 Capital (to Risk Weighted Assets)		453,025	10.51	%		258,574	6.00	%		344,766	8.00	%
Common Equity Tier 1 Capital (to Risk Weighted Assets)		453,025	10.51	%		193,931	4.50	%		280,122	6.50	%
Tier 1 Capital (to Average Assets)²		453,025	8.76	%		206,750	4.00	%		258,437	5.00	%

December 31, 2024
SmartFinancial:
Total Capital (to Risk Weighted Assets)	$	470,635	11.10	%	$	339,044	8.00	%		N/A	N/A
Tier 1 Capital (to Risk Weighted Assets)		413,616	9.76	%		254,283	6.00	%		N/A	N/A
Common Equity Tier 1 Capital (to Risk Weighted Assets)		413,616	9.76	%		190,712	4.50	%		N/A	N/A
Tier 1 Capital (to Average Assets)		413,616	8.29	%		199,585	4.00	%		N/A	N/A

SmartBank:
Total Capital (to Risk Weighted Assets)	$	478,368	11.30	%	$	338,774	8.00	%	$	423,467	10.00	%
Tier 1 Capital (to Risk Weighted Assets)		445,159	10.51	%		254,080	6.00	%		338,774	8.00	%
Common Equity Tier 1 Capital (to Risk Weighted Assets)		445,159	10.51	%		190,560	4.50	%		275,253	6.50	%
Tier 1 Capital (to Average Assets)		445,159	8.94	%		199,214	4.00	%		249,017	5.00	%

¹The prompt corrective action provisions are applicable at the Bank level only.

²Average assets for the above calculations were based on the most recent quarter.

Other comprehensive income (loss) (Tables)

3 Months Ended

Mar. 31, 2025

Equity [Abstract]

Summary of Accumulated Other Comprehensive Income (Loss)

The changes in each component of accumulated other comprehensive income (loss), presented net of tax, were as follows (in thousands):


	Three Months Ended March 31, 2025
									Accumulated
	Securities		Securities		Fair Value				Other
	Available-for-		Transferred to		Municipal		Cash Flow		Comprehensive
	Sale		Held-to-Maturity		Security Hedges		Hedges		Income (Loss)
Beginning balance, December 31, 2024	$	(22,350)	$	(534)	$	(166)	$	(621)	$	(23,671)

Other comprehensive income (loss)		3,681		—		(115)		325		3,891
Reclassification of amounts included in net income		—		22		(1)		112		133
Net other comprehensive income (loss) during period		3,681		22		(116)		437		4,024

Ending balance, March 31, 2025	$	(18,669)	$	(512)	$	(282)	$	(184)	$	(19,647)

	Three Months Ended March 31, 2024
									Accumulated
	Securities		Securities		Fair Value				Other
	Available-for-		Transferred to		Municipal		Cash Flow		Comprehensive
	Sale		Held-to-Maturity		Security Hedges		Hedges		Income (Loss)
Beginning balance, December 31, 2023	$	(23,818)	$	(632)	$	(397)	$	(1,060)	$	(25,907)

Other comprehensive income (loss)		(2,304)		—		312		341		(1,651)
Reclassification of amounts included in net income		—		26		79		28		133
Net other comprehensive income (loss) during period		(2,304)		26		391		369		(1,518)

Ending balance, March 31, 2024	$	(26,122)	$	(606)	$	(6)	$	(691)	$	(27,425)

Segment Information (Tables)

3 Months Ended

Mar. 31, 2025

Segment Reporting [Abstract]

Schedule of information about the General Banking Unit


	Banking Segment
	Three Months Ended March 31,
	2025		2024
Interest income	$	66,376	$	59,783
Interest expense		28,138		28,062
Net interest income		38,238		31,721
Provision for credit losses		979		(440)
Net interest income after provision for credit losses		37,259		32,161
Noninterest income:
Service charges on deposit accounts		1,736		1,612
Mortgage banking		493		280
Investment services		1,769		1,380
Insurance commissions		1,412		1,103
Interchange and debit card transaction fees, net		1,220		1,253
Other		1,967		2,752
Total noninterest income		8,597		8,380
Noninterest expense:
Salaries and employee benefits		19,234		16,639
Occupancy and equipment		3,397		3,396
FDIC insurance		960		915
Other real estate and loan related expense		658		584
Advertising and marketing		382		302
Data processing and technology		2,657		2,465
Professional services		1,368		924
Amortization of intangibles		569		612
Other		3,071		2,716
Total noninterest expense		32,296		28,553
Income before income tax expense		13,560		11,988
Income tax expense		2,306		2,630
Net income	$	11,254	$	9,358

Earnings per Share (Narrative) (Details) - shares	3 Months Ended
Earnings per Share (Narrative) (Details) - shares	Mar. 31, 2025	Mar. 31, 2024
Earnings Per Share [Abstract]
Anti-dilutive securities excluded from computation of earnings per share (in shares)	0	0

Earnings per Share (Schedule of Earnings Per Share, Basic and Diluted) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Basic earnings per share computation:
Net income available to common shareholders	$ 11,254	$ 9,358
Average common shares outstanding - basic (in shares)	16,767,535	16,849,735
Basic earnings per share (in dollars per share)	$ 0.67	$ 0.56
Diluted earnings per share computation:
Net income available to common shareholders	$ 11,254	$ 9,358
Average common shares outstanding - basic (in shares)	16,767,535	16,849,735
Incremental shares from assumed conversions:
Stock options and restricted stock (in shares)	104,562	75,673
Average common shares outstanding - diluted	16,872,097	16,925,408
Diluted earnings per share (in dollars per share)	$ 0.67	$ 0.55

Securities - Narrative (Details) - USD ($)	3 Months Ended
Securities - Narrative (Details) - USD ($)	Mar. 31, 2025	Mar. 31, 2024	Dec. 31, 2024
Securities available-for-sale, at fair value	$ 499,445,000		$ 482,328,000
Debt Securities, Available-for-Sale, Excluding Accrued Interest	499,445,000		482,328,000
Gross gains	0	$ 0
Realized losses	0	0
Provision for credit losses, HTM	0	0
Provision for credit losses, AFS	0	$ 0
Impairment on other investments	0
Securities held-to-maturity, at amortized cost	125,576,000		126,659,000
Allowance for off balance sheet credit	2,600,000		2,500,000
Asset Pledged as Collateral [Member] \| Secure Public Funds and Securities Sold under Agreements to Repurchase [Member]
Securities available-for-sale, at fair value	453,000,000		432,600,000
Debt Securities, Available-for-Sale, Excluding Accrued Interest	$ 453,000,000		$ 432,600,000

Securities - Schedule of Available-for-sale Securities Reconciliation (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Debt Securities, Available-for-sale [Line Items]
Total, post ASU 2019-04	$ 524,994	$ 512,684
Gross Unrealized Gains	1,884	1,220
Gross Unrealized Losses	(27,433)	(31,576)
Securities available-for-sale, at fair value	499,445	482,328
Fair Value, post ASU 2019-04	499,445	482,328
US Treasury Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Total, post ASU 2019-04	83,087	83,330
Gross Unrealized Losses	(5,944)	(7,104)
Securities available-for-sale, at fair value	77,143	76,226
Fair Value, post ASU 2019-04	77,143	76,226
US Government-sponsored Enterprises Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Total, post ASU 2019-04	37,828	38,917
Gross Unrealized Gains	398	453
Gross Unrealized Losses	(139)	(182)
Securities available-for-sale, at fair value	38,087	39,188
Fair Value, post ASU 2019-04	38,087	39,188
Municipal securities [Member]
Debt Securities, Available-for-sale [Line Items]
Total, post ASU 2019-04	22,404	18,277
Gross Unrealized Gains	2
Gross Unrealized Losses	(633)	(587)
Securities available-for-sale, at fair value	21,773	17,690
Fair Value, post ASU 2019-04	21,773	17,690
Other Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Total, post ASU 2019-04	41,313	41,321
Gross Unrealized Gains	310	252
Gross Unrealized Losses	(1,953)	(2,138)
Securities available-for-sale, at fair value	39,670	39,435
Fair Value, post ASU 2019-04	39,670	39,435
Mortgage-backed securities (GSEs) [Member]
Debt Securities, Available-for-sale [Line Items]
Total, post ASU 2019-04	340,362	330,839
Gross Unrealized Gains	1,174	515
Gross Unrealized Losses	(18,764)	(21,565)
Securities available-for-sale, at fair value	322,772	309,789
Fair Value, post ASU 2019-04	$ 322,772	$ 309,789

Securities - Schedule of Held-to-maturity Securities Reconciliation (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Held-to-maturity
Amortized cost	$ 125,576	$ 126,659
Gross Unrealized Losses	(17,015)	(18,579)
Fair Value	108,561	108,080
US Government-sponsored Enterprises Debt Securities [Member]
Held-to-maturity
Amortized cost	47,802	48,112
Gross Unrealized Losses	(6,561)	(7,335)
Fair Value	41,241	40,777
Municipal securities [Member]
Held-to-maturity
Amortized cost	51,382	51,652
Gross Unrealized Losses	(6,795)	(7,037)
Fair Value	44,587	44,615
Mortgage-backed securities (GSEs) [Member]
Held-to-maturity
Amortized cost	26,392	26,895
Gross Unrealized Losses	(3,659)	(4,207)
Fair Value	$ 22,733	$ 22,688

Securities - Available-for-sale by Contractual Maturity Date (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Amortized Cost
Due in one year or less	$ 1,480
Due from one year to five years	93,801
Due from five years to ten years	75,999
Due after ten years	13,352
Securities available for sale, amortized cost	184,632
Mortgage-backed securities	340,362
Total, post ASU 2019-04	524,994	$ 512,684
Fair Value
Due in one year or less	1,432
Due from one year to five years	87,781
Due from five years to ten years	74,539
Due after ten years	12,921
Securities available for sale, fair value	176,673
Mortgage-backed securities	322,772
Total, post ASU 2019-04	$ 499,445	$ 482,328

Securities - Held-to-maturity by Contractual Maturity Date (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Amortized Cost
Due from one year to five years	$ 6,925
Due from five years to ten years	44,071
Due after ten years	48,188
Securities held to maturity, amortized cost	99,184
Mortgage-backed securities	26,392
Amortized cost	125,576	$ 126,659
Fair Value
Due from one year to five years	6,340
Due from five years to ten years	38,191
Due after ten years	41,297
Securities held to maturity, fair value	85,828
Mortgage-backed securities	22,733
Total	$ 108,561	$ 108,080

Securities - Schedule of Available-for-sale, Unrealized Loss on Investments (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Debt Securities, Available-for-sale [Line Items]
Less than 12 Months, Fair Value	$ 55,108	$ 99,184
Less than 12 Months, Gross Unrealized Losses	$ (832)	$ (1,114)
Less than 12 Months, Number of Securities	34	54
12 Months or Greater, Fair Value	$ 297,658	$ 280,784
12 Months or Greater, Gross Unrealized Losses	$ (26,601)	$ (30,462)
12 Months or Greater, Number of Securities	142	137
Total, Fair Value	$ 352,766	$ 379,968
Total, Gross Unrealized Losses	$ (27,433)	$ (31,576)
Total, Number of Securities	176	191
US Treasury Securities [Member]
Debt Securities, Available-for-sale [Line Items]
12 Months or Greater, Fair Value	$ 77,143	$ 76,226
12 Months or Greater, Gross Unrealized Losses	$ (5,944)	$ (7,104)
12 Months or Greater, Number of Securities	9	9
Total, Fair Value	$ 77,143	$ 76,226
Total, Gross Unrealized Losses	$ (5,944)	$ (7,104)
Total, Number of Securities	9	9
US Government-sponsored Enterprises Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Less than 12 Months, Fair Value	$ 3,775	$ 9,069
Less than 12 Months, Gross Unrealized Losses	$ (27)	$ (80)
Less than 12 Months, Number of Securities	2	4
12 Months or Greater, Fair Value	$ 7,005	$ 4,813
12 Months or Greater, Gross Unrealized Losses	$ (112)	$ (102)
12 Months or Greater, Number of Securities	5	4
Total, Fair Value	$ 10,780	$ 13,882
Total, Gross Unrealized Losses	$ (139)	$ (182)
Total, Number of Securities	7	8
Municipal securities [Member]
Debt Securities, Available-for-sale [Line Items]
Less than 12 Months, Fair Value	$ 8,811	$ 5,579
Less than 12 Months, Gross Unrealized Losses	$ (187)	$ (59)
Less than 12 Months, Number of Securities	7	8
12 Months or Greater, Fair Value	$ 11,920	$ 11,322
12 Months or Greater, Gross Unrealized Losses	$ (446)	$ (528)
12 Months or Greater, Number of Securities	18	17
Total, Fair Value	$ 20,731	$ 16,901
Total, Gross Unrealized Losses	$ (633)	$ (587)
Total, Number of Securities	25	25
Other Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Less than 12 Months, Fair Value	$ 2,458	$ 4,425
Less than 12 Months, Gross Unrealized Losses	$ (16)	$ (36)
Less than 12 Months, Number of Securities	2	3
12 Months or Greater, Fair Value	$ 28,428	$ 28,294
12 Months or Greater, Gross Unrealized Losses	$ (1,937)	$ (2,102)
12 Months or Greater, Number of Securities	24	24
Total, Fair Value	$ 30,886	$ 32,719
Total, Gross Unrealized Losses	$ (1,953)	$ (2,138)
Total, Number of Securities	26	27
Mortgage-backed securities (GSEs) [Member]
Debt Securities, Available-for-sale [Line Items]
Less than 12 Months, Fair Value	$ 40,064	$ 80,111
Less than 12 Months, Gross Unrealized Losses	$ (602)	$ (939)
Less than 12 Months, Number of Securities	23	39
12 Months or Greater, Fair Value	$ 173,162	$ 160,129
12 Months or Greater, Gross Unrealized Losses	$ (18,162)	$ (20,626)
12 Months or Greater, Number of Securities	86	83
Total, Fair Value	$ 213,226	$ 240,240
Total, Gross Unrealized Losses	$ (18,764)	$ (21,565)
Total, Number of Securities	109	122

Securities - Schedule of Held-to-maturity, Unrealized Loss on Investments (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Held-to-maturity:
12 Months or Greater, Fair Value	$ 108,559	$ 108,080
12 Months or Greater, Gross Unrealized Losses	$ (17,015)	$ (18,579)
12 Months or Greater, Number of Securities	53	53
Total, Fair Value	$ 108,559	$ 108,080
Total, Gross Unrealized Losses	$ (17,015)	$ (18,579)
Total, Number of Securities	53	53
US Government-sponsored Enterprises Debt Securities [Member]
Held-to-maturity:
12 Months or Greater, Fair Value	$ 41,240	$ 40,777
12 Months or Greater, Gross Unrealized Losses	$ (6,561)	$ (7,335)
12 Months or Greater, Number of Securities	13	13
Total, Fair Value	$ 41,240	$ 40,777
Total, Gross Unrealized Losses	$ (6,561)	$ (7,335)
Total, Number of Securities	13	13
Municipal securities [Member]
Held-to-maturity:
12 Months or Greater, Fair Value	$ 44,586	$ 44,615
12 Months or Greater, Gross Unrealized Losses	$ (6,795)	$ (7,037)
12 Months or Greater, Number of Securities	35	35
Total, Fair Value	$ 44,586	$ 44,615
Total, Gross Unrealized Losses	$ (6,795)	$ (7,037)
Total, Number of Securities	35	35
Mortgage-backed securities (GSEs) [Member]
Held-to-maturity:
12 Months or Greater, Fair Value	$ 22,733	$ 22,688
12 Months or Greater, Gross Unrealized Losses	$ (3,659)	$ (4,207)
12 Months or Greater, Number of Securities	5	5
Total, Fair Value	$ 22,733	$ 22,688
Total, Gross Unrealized Losses	$ (3,659)	$ (4,207)
Total, Number of Securities	5	5

Securities - Other Investments (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Debt Securities, Available-for-sale [Line Items]
Other investments	$ 14,371	$ 14,740
Federal Reserve Bank Stock [Member]
Debt Securities, Available-for-sale [Line Items]
Other investments	9,581	9,045
Federal Home Loan Bank stock [Member]
Debt Securities, Available-for-sale [Line Items]
Other investments	4,440	5,345
First National Bankers Bank Stock [Member]
Debt Securities, Available-for-sale [Line Items]
Other investments	$ 350	$ 350

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (aa)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (aaa)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

+ Details

Loans and Leases and Allowance for Credit Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024	Mar. 31, 2024	Dec. 31, 2023
Major categories of loans and leases
Total loans and leases	$ 3,992,207	$ 3,906,340
Less: Allowance for credit losses	(38,175)	(37,423)	$ (34,203)	$ (35,066)
Loans and leases, net	3,954,032	3,868,917
Commercial Real Estate [Member] \| Non-owner occupied
Major categories of loans and leases
Total loans and leases	1,117,392	1,080,404
Less: Allowance for credit losses	(7,326)	(6,972)	(6,454)	(6,846)
Commercial Real Estate [Member] \| Owner occupied
Major categories of loans and leases
Total loans and leases	885,396	867,678
Less: Allowance for credit losses	(8,415)	(8,341)	(8,389)	(8,418)
Consumer Real Estate [Member]
Major categories of loans and leases
Total loans and leases	784,602	741,836
Less: Allowance for credit losses	(8,688)	(8,355)	(7,246)	(7,249)
Construction and Land Development [Member]
Major categories of loans and leases
Total loans and leases	357,393	361,735
Less: Allowance for credit losses	(4,154)	(4,168)	(4,704)	(4,874)
Commercial and Industrial [Member]
Major categories of loans and leases
Total loans and leases	768,454	775,620
Less: Allowance for credit losses	(8,628)	(8,552)	(6,641)	(6,924)
Leases [Member]
Major categories of loans and leases
Total loans and leases	64,208	64,878
Less: Allowance for credit losses	(842)	(919)	(657)	(640)
Consumer and Other [Member]
Major categories of loans and leases
Total loans and leases	14,762	14,189
Less: Allowance for credit losses	$ (122)	$ (116)	$ (112)	$ (115)

Loans and Leases and Allowance for Credit Losses - ALL Roll Forward (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2025	Mar. 31, 2024	Dec. 31, 2024
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 37,423	$ 35,066	$ 35,066
Charged-off loans and leases	(332)	(920)	(3,017)
Recoveries of charge-offs	241	135
Provision for credit losses, post ASU 2019-04	979	(440)
Provision for credit losses, unfunded commitments not included	843	(78)
Ending balance	38,175	34,203	37,423
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	37,423	35,066	35,066
Provision charged to expense	843	(78)
Release for unfunded commitments through provision for credit losses	136	362
Commercial Real Estate [Member] \| Non-owner occupied
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	6,972	6,846	6,846
Provision for credit losses, unfunded commitments not included	354	(392)
Ending balance	7,326	6,454	6,972
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	6,972	6,846	6,846
Commercial Real Estate [Member] \| Owner occupied
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	8,341	8,418	8,418
Recoveries of charge-offs	2	2
Provision for credit losses, unfunded commitments not included	72	(31)
Ending balance	8,415	8,389	8,341
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	8,341	8,418	8,418
Consumer Real Estate [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	8,355	7,249	7,249
Charged-off loans and leases		(107)
Recoveries of charge-offs		79
Provision for credit losses, unfunded commitments not included	333	25
Ending balance	8,688	7,246	8,355
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	8,355	7,249	7,249
Construction and Land Development [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	4,168	4,874	4,874
Charged-off loans and leases		(441)	(441)
Recoveries of charge-offs	200
Provision for credit losses, unfunded commitments not included	(214)	271
Ending balance	4,154	4,704	4,168
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	4,168	4,874	4,874
Commercial and Industrial [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	8,552	6,924	6,924
Charged-off loans and leases	(59)	(201)
Recoveries of charge-offs	23	26
Provision for credit losses, unfunded commitments not included	112	(108)
Ending balance	8,628	6,641	8,552
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	8,552	6,924	6,924
Leases [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	919	640	640
Charged-off loans and leases	(190)	(77)
Provision for credit losses, unfunded commitments not included	113	94
Ending balance	842	657	919
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	919	640	640
Consumer and Other [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	116	115	115
Charged-off loans and leases	(83)	(94)
Recoveries of charge-offs	16	28
Provision for credit losses, unfunded commitments not included	73	63
Ending balance	122	112	116
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	$ 116	$ 115	$ 115

Loans and Leases and Allowance for Credit Losses - Risk Rating Based on Year of Origination (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2025	Mar. 31, 2024	Dec. 31, 2024
Loans Amortized Cost Basis by Origination Year
2025	$ 188,736		$ 907,094
2024	908,271		569,778
2023	549,849		929,360
2022	899,895		532,368
2021	510,071		219,487
Prior	471,872		282,898
Revolving Loans	460,552		458,959
Revolving Loans Converted to Term	2,961		6,396
Total loans and leases	3,992,207		3,906,340
YTD gross charge-offs
2025			(98)
2024	(89)		(1,321)
2023	(174)		(885)
2022	(39)		(38)
2021	(3)		(495)
Prior	(27)		(105)
Revolving Loans			(29)
Revolving Loans Converted to Term			(46)
Total	(332)	$ (920)	(3,017)
Pass [Member]
Loans Amortized Cost Basis by Origination Year
2025	187,501		898,470
2024	901,610		564,767
2023	541,760		919,453
2022	891,282		519,569
2021	484,736		216,818
Prior	461,620		275,133
Revolving Loans	454,543		453,041
Revolving Loans Converted to Term	2,961		6,321
Total loans and leases	3,926,013		3,853,572
Watch [Member]
Loans Amortized Cost Basis by Origination Year
2025	1,212		4,035
2024	5,522		4,639
2023	7,680		9,391
2022	8,098		7,460
2021	20,294		1,934
Prior	7,753		5,059
Revolving Loans	5,679		4,850
Revolving Loans Converted to Term			14
Total loans and leases	56,238		37,382
Special Mention [Member]
Loans Amortized Cost Basis by Origination Year
2025			3,662
2024	493
Prior	49		50
Total loans and leases	542		3,712
Substandard [Member]
Loans Amortized Cost Basis by Origination Year
2025	23		927
2024	646		372
2023	409		516
2022	515		5,339
2021	5,041		735
Prior	2,450		2,656
Revolving Loans	330		1,068
Revolving Loans Converted to Term			61
Total loans and leases	9,414		11,674
Commercial Real Estate [Member] \| Non-owner occupied
Loans Amortized Cost Basis by Origination Year
2025	53,205		241,492
2024	226,927		119,692
2023	150,849		293,497
2022	289,465		228,832
2021	218,769		86,055
Prior	170,439		101,845
Revolving Loans	7,738		8,295
Revolving Loans Converted to Term			696
Total loans and leases	1,117,392		1,080,404
Commercial Real Estate [Member] \| Owner occupied
Loans Amortized Cost Basis by Origination Year
2025	28,606		150,446
2024	145,326		121,379
2023	126,480		277,726
2022	268,238		159,673
2021	156,150		64,736
Prior	145,893		79,663
Revolving Loans	14,703		13,857
Revolving Loans Converted to Term			198
Total loans and leases	885,396		867,678
Commercial Real Estate [Member] \| Pass [Member] \| Non-owner occupied
Loans Amortized Cost Basis by Origination Year
2025	53,205		241,022
2024	226,470		118,055
2023	149,212		286,728
2022	282,735		228,554
2021	201,690		85,754
Prior	165,639		97,319
Revolving Loans	7,738		8,295
Revolving Loans Converted to Term			696
Total loans and leases	1,086,689		1,066,423
Commercial Real Estate [Member] \| Pass [Member] \| Owner occupied
Loans Amortized Cost Basis by Origination Year
2025	27,394		145,848
2024	140,755		118,233
2023	120,316		275,328
2022	267,078		155,119
2021	152,868		62,755
Prior	143,217		78,934
Revolving Loans	13,138		12,368
Revolving Loans Converted to Term			198
Total loans and leases	864,766		848,783
Commercial Real Estate [Member] \| Watch [Member] \| Non-owner occupied
Loans Amortized Cost Basis by Origination Year
2024			1,637
2023	1,637		6,769
2022	6,730		278
2021	17,079
Prior	4,262		4,275
Total loans and leases	29,708		12,959
Commercial Real Estate [Member] \| Watch [Member] \| Owner occupied
Loans Amortized Cost Basis by Origination Year
2025	1,212		1,451
2024	4,571		2,814
2023	5,847		2,398
2022	1,160		1,251
2021			1,676
Prior	2,318		364
Revolving Loans	1,565		744
Total loans and leases	16,673		10,698
Commercial Real Estate [Member] \| Special Mention [Member] \| Owner occupied
Loans Amortized Cost Basis by Origination Year
2025			3,147
Total loans and leases			3,147
Commercial Real Estate [Member] \| Substandard [Member] \| Non-owner occupied
Loans Amortized Cost Basis by Origination Year
2025			470
2024	457
2021			301
Prior	538		251
Total loans and leases	995		1,022
Commercial Real Estate [Member] \| Substandard [Member] \| Owner occupied
Loans Amortized Cost Basis by Origination Year
2024			332
2023	317
2022			3,303
2021	3,282		305
Prior	358		365
Revolving Loans			745
Total loans and leases	3,957		5,050
Consumer Real Estate [Member]
Loans Amortized Cost Basis by Origination Year
2025	38,021		151,970
2024	159,625		105,497
2023	103,322		155,017
2022	162,011		82,883
2021	80,447		47,380
Prior	101,366		64,168
Revolving Loans	139,611		132,822
Revolving Loans Converted to Term	199		2,099
Total loans and leases	784,602		741,836
YTD gross charge-offs
Total		(107)
Consumer Real Estate [Member] \| Pass [Member]
Loans Amortized Cost Basis by Origination Year
2025	38,021		151,786
2024	159,445		105,416
2023	103,193		154,956
2022	161,951		82,463
2021	80,163		47,122
Prior	98,765		61,844
Revolving Loans	138,128		131,267
Revolving Loans Converted to Term	199		2,099
Total loans and leases	779,865		736,953
Consumer Real Estate [Member] \| Watch [Member]
Loans Amortized Cost Basis by Origination Year
2024			81
2023	80
2022			109
2021	108		258
Prior	1,173		420
Revolving Loans	1,210		1,241
Total loans and leases	2,571		2,109
Consumer Real Estate [Member] \| Special Mention [Member]
Loans Amortized Cost Basis by Origination Year
Prior	49		50
Total loans and leases	49		50
Consumer Real Estate [Member] \| Substandard [Member]
Loans Amortized Cost Basis by Origination Year
2025			184
2024	180
2023	49		61
2022	60		311
2021	176
Prior	1,379		1,854
Revolving Loans	273		314
Total loans and leases	2,117		2,724
Construction and Land Development [Member]
Loans Amortized Cost Basis by Origination Year
2025	32,958		202,414
2024	225,420		74,200
2023	32,461		51,543
2022	38,377		9,229
2021	7,616		2,168
Prior	11,037		9,700
Revolving Loans	6,762		12,392
Revolving Loans Converted to Term	2,762		89
Total loans and leases	357,393		361,735
YTD gross charge-offs
2021			(441)
Total		(441)	(441)
Construction and Land Development [Member] \| Pass [Member]
Loans Amortized Cost Basis by Origination Year
2025	32,958		199,160
2024	224,927		74,200
2023	32,461		51,438
2022	38,274		6,146
2021	7,345		2,168
Prior	11,037		9,562
Revolving Loans	6,762		12,392
Revolving Loans Converted to Term	2,762		89
Total loans and leases	356,526		355,155
Construction and Land Development [Member] \| Watch [Member]
Loans Amortized Cost Basis by Origination Year
2025			2,477
2023			105
2022	103		3,015
2021	208
Total loans and leases	311		5,597
Construction and Land Development [Member] \| Special Mention [Member]
Loans Amortized Cost Basis by Origination Year
2025			515
2024	493
Total loans and leases	493		515
Construction and Land Development [Member] \| Substandard [Member]
Loans Amortized Cost Basis by Origination Year
2025			262
2022			68
2021	63
Prior			138
Total loans and leases	63		468
Commercial and Industrial [Member]
Loans Amortized Cost Basis by Origination Year
2025	27,673
2024	124,090
2023	119,713
2022	126,147
2021	43,866
Prior	41,694
Revolving Loans	285,271
Total loans and leases	768,454		775,620
YTD gross charge-offs
2023	(29)
2022	(30)
Total	(59)	(201)
Commercial and Industrial [Member] \| Pass [Member]
Loans Amortized Cost Basis by Origination Year
2025	27,650		130,898
2024	123,138		128,646
2023	119,560		133,782
2022	125,587		43,299
2021	39,447		17,716
Prior	41,519		26,933
Revolving Loans	282,370		282,695
Revolving Loans Converted to Term			3,239
Total loans and leases	759,271		767,208
Commercial and Industrial [Member] \| Watch [Member]
Loans Amortized Cost Basis by Origination Year
2025			103
2024	943		107
2023	116		119
2022	105		2,807
2021	2,899
Revolving Loans	2,844		2,865
Revolving Loans Converted to Term			14
Total loans and leases	6,907		6,015
Commercial and Industrial [Member] \| Substandard [Member]
Loans Amortized Cost Basis by Origination Year
2025	23
2024	9		40
2023	37		455
2022	455		1,657
2021	1,520		129
Prior	175		46
Revolving Loans	57		9
Revolving Loans Converted to Term			61
Total loans and leases	2,276		2,397
Commercial and Industrial [Member] \| Doubtful [Member]
Loans Amortized Cost Basis by Origination Year
2025			131,001
2024			128,793
2023			134,356
2022			47,763
2021			17,845
Prior			26,979
Revolving Loans			285,569
Revolving Loans Converted to Term			3,314
Total loans and leases			775,620
YTD gross charge-offs
2024			(618)
2023			(235)
Revolving Loans			(29)
Revolving Loans Converted to Term			(46)
Total			(928)
Leases [Member]
Loans Amortized Cost Basis by Origination Year
2025	6,852
2024	23,268
2023	15,438
2022	14,838
2021	2,829
Prior	983
Total loans and leases	64,208		64,878
YTD gross charge-offs
2024	(54)
2023	(133)
2022	(3)
Total	(190)	(77)
Leases [Member] \| Pass [Member]
Loans Amortized Cost Basis by Origination Year
2025	6,852		25,371
2024	23,268		18,285
2023	15,438		16,299
2022	14,838		3,601
2021	2,829		1,019
Prior	983		303
Total loans and leases	64,208		64,878
Leases [Member] \| Doubtful [Member]
Loans Amortized Cost Basis by Origination Year
2025			25,371
2024			18,285
2023			16,299
2022			3,601
2021			1,019
Prior			303
Total loans and leases			64,878
YTD gross charge-offs
2025			(74)
2024			(619)
2023			(589)
2022			(1)
2021			(1)
Prior			(28)
Total			(1,312)
Consumer and Other [Member]
Loans Amortized Cost Basis by Origination Year
2025	1,421
2024	3,615
2023	1,586
2022	819
2021	394
Prior	460
Revolving Loans	6,467
Total loans and leases	14,762		14,189
YTD gross charge-offs
2024	(35)
2023	(12)
2022	(6)
2021	(3)
Prior	(27)
Total	(83)	$ (94)
Consumer and Other [Member] \| Pass [Member]
Loans Amortized Cost Basis by Origination Year
2025	1,421		4,385
2024	3,607		1,932
2023	1,580		922
2022	819		387
2021	394		284
Prior	460		238
Revolving Loans	6,407		6,024
Total loans and leases	14,688		14,172
Consumer and Other [Member] \| Watch [Member]
Loans Amortized Cost Basis by Origination Year
2025			4
2024	8
Revolving Loans	60
Total loans and leases	68		4
Consumer and Other [Member] \| Substandard [Member]
Loans Amortized Cost Basis by Origination Year
2025			11
2023	6
Prior			2
Total loans and leases	$ 6		13
Consumer and Other [Member] \| Doubtful [Member]
Loans Amortized Cost Basis by Origination Year
2025			4,400
2024			1,932
2023			922
2022			387
2021			284
Prior			240
Revolving Loans			6,024
Total loans and leases			14,189
YTD gross charge-offs
2025			(24)
2024			(84)
2023			(61)
2022			(37)
2021			(53)
Prior			(77)
Total			$ (336)

Loans and Leases and Allowance for Credit Losses - Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	$ 3,992,207	$ 3,906,340
Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	3,976,378	3,892,690
Financial Asset, Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	15,829	13,650
Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	7,746	7,048
Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	2,017	1,264
90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	6,066	5,338
Commercial Real Estate [Member] \| Non-owner occupied
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	1,117,392	1,080,404
Commercial Real Estate [Member] \| Non-owner occupied \| Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	1,116,417	1,079,763
Commercial Real Estate [Member] \| Non-owner occupied \| Financial Asset, Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	975	641
Commercial Real Estate [Member] \| Non-owner occupied \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	98	378
Commercial Real Estate [Member] \| Non-owner occupied \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	614
Commercial Real Estate [Member] \| Non-owner occupied \| 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	263	263
Commercial Real Estate [Member] \| Owner occupied
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	885,396	867,678
Commercial Real Estate [Member] \| Owner occupied \| Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	883,191	866,361
Commercial Real Estate [Member] \| Owner occupied \| Financial Asset, Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	2,205	1,317
Commercial Real Estate [Member] \| Owner occupied \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	1,308	731
Commercial Real Estate [Member] \| Owner occupied \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	358	47
Commercial Real Estate [Member] \| Owner occupied \| 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	539	539
Consumer Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	784,602	741,836
Consumer Real Estate [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	780,955	737,988
Consumer Real Estate [Member] \| Financial Asset, Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	3,647	3,848
Consumer Real Estate [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	2,673	2,258
Consumer Real Estate [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	82	826
Consumer Real Estate [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	892	764
Construction and Land Development [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	357,393	361,735
Construction and Land Development [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	357,374	361,212
Construction and Land Development [Member] \| Financial Asset, Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	19	523
Construction and Land Development [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	19	523
Commercial and Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	768,454	775,620
Commercial and Industrial [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	764,781	772,200
Commercial and Industrial [Member] \| Financial Asset, Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	3,673	3,420
Commercial and Industrial [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	1,104	1,417
Commercial and Industrial [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	491	367
Commercial and Industrial [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	2,078	1,636
Leases [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	64,208	64,878
Leases [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	59,070	61,115
Leases [Member] \| Financial Asset, Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	5,138	3,763
Leases [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	2,485	1,645
Leases [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	394
Leases [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	2,259	2,118
Consumer and Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	14,762	14,189
Consumer and Other [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	14,590	14,051
Consumer and Other [Member] \| Financial Asset, Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	172	138
Consumer and Other [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	59	96
Consumer and Other [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	78	24
Consumer and Other [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases	$ 35	$ 18

Loans and Leases and Allowance for Credit Losses - Nonaccrual Status (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	$ 7,624	$ 7,709
Nonaccrual With No Allowance for Credit Losses	977	1,554
Loans Past Due Over 90 Days Still Accruing	183
90 Days or More Past Due [Member]
Financing Receivable, Nonaccrual [Line Items]
Loans Past Due Over 90 Days Still Accruing		162
Commercial Real Estate [Member] \| Non-owner occupied
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	504	514
Nonaccrual With No Allowance for Credit Losses	263	263
Commercial Real Estate [Member] \| Owner occupied
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	891	906
Nonaccrual With No Allowance for Credit Losses	539	539
Consumer Real Estate [Member]
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	1,364	1,995
Nonaccrual With No Allowance for Credit Losses	175	752
Construction and Land Development [Member]
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	36	39
Commercial and Industrial [Member]
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	2,436	1,820
Loans Past Due Over 90 Days Still Accruing	148
Commercial and Industrial [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Nonaccrual [Line Items]
Loans Past Due Over 90 Days Still Accruing		144
Leases [Member]
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	2,387	2,433
Consumer and Other [Member]
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	6	2
Loans Past Due Over 90 Days Still Accruing	$ 35
Consumer and Other [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Nonaccrual [Line Items]
Loans Past Due Over 90 Days Still Accruing		$ 18

Loans and Leases and Allowance for Credit Losses - Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 6,894	$ 9,590
Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	4,745	6,770
Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,149	2,820
Commercial Real Estate [Member] \| Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	720	733
Commercial Real Estate [Member] \| Non-owner occupied \| Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	720	733
Commercial Real Estate [Member] \| Owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	3,563	4,636
Commercial Real Estate [Member] \| Owner occupied \| Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	3,563	4,636
Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	462	1,139
Consumer Real Estate [Member] \| Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	462	1,139
Construction and Land Development [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		262
Construction and Land Development [Member] \| Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		262
Commercial and Industrial [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,149	2,286
Commercial and Industrial [Member] \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 2,149	2,286
Leases [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		534
Leases [Member] \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		$ 534

Loans and Leases and Allowance for Credit Losses - Loan Modifications to Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024	Dec. 31, 2024
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans	$ 7,624		$ 7,709
Total loans	3,992,207		3,906,340
90 Days or More Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans	6,066		5,338
Loan modifications made to borrowers experiencing financial difficulty
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	23	$ 200
Total Nonaccrual Loans	162
Total loans	340
Loan modifications made to borrowers experiencing financial difficulty \| Current [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans	178
Term Extension \| Loan modifications made to borrowers experiencing financial difficulty
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	23	200
Commercial Real Estate [Member] \| Non-owner occupied
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans	504		514
Total loans	1,117,392		1,080,404
Commercial Real Estate [Member] \| Non-owner occupied \| 90 Days or More Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans	263		263
Commercial Real Estate [Member] \| Owner occupied
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans	891		906
Total loans	885,396		867,678
Commercial Real Estate [Member] \| Owner occupied \| 90 Days or More Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans	539		539
Commercial Real Estate [Member] \| Owner occupied \| Loan modifications made to borrowers experiencing financial difficulty
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		$ 200
Weighted-Average (in months)		3 months
Commercial Real Estate [Member] \| Owner occupied \| Term Extension \| Loan modifications made to borrowers experiencing financial difficulty
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		$ 200
Consumer Real Estate [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans	1,364		1,995
Total loans	784,602		741,836
Consumer Real Estate [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans	892		764
Consumer Real Estate [Member] \| Loan modifications made to borrowers experiencing financial difficulty
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans	130
Total loans	296
Consumer Real Estate [Member] \| Loan modifications made to borrowers experiencing financial difficulty \| Current [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans	166
Construction and Land Development [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans	36		39
Total loans	357,393		361,735
Commercial and Industrial [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans	2,436		1,820
Total loans	768,454		775,620
Commercial and Industrial [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans	2,078		1,636
Commercial and Industrial [Member] \| Loan modifications made to borrowers experiencing financial difficulty
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	23
Total Nonaccrual Loans	32
Total loans	44
Commercial and Industrial [Member] \| Loan modifications made to borrowers experiencing financial difficulty \| Current [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans	$ 12
Commercial and Industrial [Member] \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average (in months)	36 months
Commercial and Industrial [Member] \| Term Extension \| Loan modifications made to borrowers experiencing financial difficulty
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 23
Leases [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans	2,387		2,433
Total loans	64,208		64,878
Leases [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans	2,259		2,118
Consumer and Other [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans	6		2
Total loans	14,762		14,189
Consumer and Other [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans	$ 35		$ 18

Loans and Leases and Allowance for Credit Losses (Narrative) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2025 USD ($) property segment loan	Mar. 31, 2024 USD ($)	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Financing Receivable, Modifications [Line Items]
Number of loan portfolio segments \| segment	7
Nonaccrual restructuring loans, post ASU 2019-04	$ 7,624		$ 7,709
Commitments to extend credit	844,513		828,755
Total loans and leases	3,992,207		$ 3,906,340
Provision for credit losses, post ASU 2019-04	$ 979	$ (440)
Percentage of allowance for credit losses to aggregate loans	0.96%		0.96%
Allowance for credit losses	$ 38,175	34,203	$ 37,423	$ 35,066
Other real estate owned	144		179
Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Nonaccrual restructuring loans, post ASU 2019-04	1,364		1,995
Total loans and leases	784,602		741,836
Mortgage loans in process of foreclosure	129
Allowance for credit losses	8,688	7,246	8,355	7,249
Non-owner occupied \| Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Nonaccrual restructuring loans, post ASU 2019-04	504		514
Total loans and leases	1,117,392		1,080,404
Allowance for credit losses	7,326	6,454	6,972	6,846
Owner occupied \| Commercial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Nonaccrual restructuring loans, post ASU 2019-04	891		906
Total loans and leases	885,396		867,678
Allowance for credit losses	$ 8,415	$ 8,389	$ 8,341	$ 8,418
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of properties in other real estate owned \| property	0
Mortgage loans in process of foreclosure number of loans \| loan	2

Goodwill and Intangible Assets - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024	Dec. 31, 2024
Amortization of intangibles	$ 569	$ 612
Goodwill	$ 96,100		$ 96,100
Customer Relationships [Member]
Intangible asset, useful life	14 years
Trade Names [Member]
Intangible asset, useful life	8 years

- Definition

Amount, after accumulated impairment loss, of asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 49
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-URI https://asc.fasb.org/1943274/2147482785/280-10-55-49

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Reference 3: http://www.xbrl.org/2003/role/exampleRef
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-Paragraph 1
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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-SubTopic 210
-Name Accounting Standards Codification
-Section S99
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1

+ Details

Goodwill and Intangible Assets - Schedule of Finite-Lived Intangible Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Finite-lived Intangible Assets [Roll Forward]
Gross Carrying Amount		$ 23,140	$ 23,140
Less: accumulated amortization	$ (15,131)	(14,562)
Total	8,009	8,578
Core Deposits [Member]
Finite-lived Intangible Assets [Roll Forward]
Gross Carrying Amount		17,470	17,470
Less: accumulated amortization	(11,845)	(11,435)
Total	5,625	6,035
Customer Relationships [Member]
Finite-lived Intangible Assets [Roll Forward]
Gross Carrying Amount		5,670	$ 5,670
Less: accumulated amortization	(3,286)	(3,127)
Total	$ 2,384	$ 2,543

Goodwill and Intangible Assets - Schedule of Finite-Lived Intangible Assets, Future Amortization Expense (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Remainder of 2025	$ 1,686
2026	2,086
2027	1,904
2028	1,139
2029	669
Thereafter	525
Total	$ 8,009	$ 8,578

Borrowings, Line of Credit and Subordinated Debt - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024	Dec. 31, 2024
Securities sold under agreements to repurchase	$ 3,610		$ 4,135
Securities sold under agreements to repurchase, average balance	4,200	$ 4,800
Securities sold under agreements to repurchase, maximum month-end balance	4,500	$ 5,300
Borrowings	7,600		8,100
Loan and Security Agreement and Revolving Line of Credit [Member]
Principal amount	35,000
Asset Pledged as Collateral [Member] \| US Government-sponsored Enterprises Debt Securities [Member]
Carrying value of securities pledged as collateral	$ 6,400		6,500
Maximum [Member]
Securities sold under agreements to repurchase, maturity period	4 days
Minimum [Member]
Securities sold under agreements to repurchase, maturity period	1 day
Revolving Credit Facility [Member]
Outstanding borrowings	$ 4,000		$ 4,000

Borrowings, Line of Credit and Subordinated Debt - Subordinated Debt Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024	Dec. 31, 2024	Sep. 28, 2018
Debt Instrument [Line Items]
Debt issuance costs			$ 316
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]	us-gaap:SecuredOvernightFinancingRateSofrMember
Subordinated Debt [Member]
Debt Instrument [Line Items]
Principal amount				$ 40,000
Interest rate				5.625%
Debt issuance costs	$ 295		$ 316
Basis spread on variable rate (as a percent)	2.81161%
Amortization expense of debt issuance costs	$ 21	$ 21

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 835
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-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1D
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1D

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1E
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1E
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E

Reference 20: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1E
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1E

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1F
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1F
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F

Reference 23: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1F
-Subparagraph (b)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F

Reference 24: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1F
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1F

Reference 25: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1I
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I

Reference 26: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 835
-SubTopic 30
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482925/835-30-45-2

Reference 27: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 835
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482900/835-30-50-1

+ Details

Borrowings, Line of Credit and Subordinated Debt (Schedule of debt) (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Borrowings, Line of Credit and Subordinated Debt [Abstract]
Securities sold under agreements to repurchase	$ 3,610	$ 4,135
Other Borrowings	4,000	4,000
Total	$ 7,610	$ 8,135

- Definition

Amount, after the effects of master netting arrangements, of funds outstanding borrowed in the form of a security repurchase agreement between the entity and another party for the sale and repurchase of identical or substantially the same securities at a date certain for a specified price. Includes liabilities not subject to a master netting arrangement and not elected to be offset.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03(13)(1))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 320
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SX 210.12-12A(Column A)(Footnote 2))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477271/946-320-S99-2

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 320
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.12-12(Column A)(Footnote 2))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477271/946-320-S99-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 320
-Name Accounting Standards Codification
-Section S99
-Paragraph 6
-Subparagraph (SX 210.12-14(Column A)(Footnote 2))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477271/946-320-S99-6

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 320
-Name Accounting Standards Codification
-Section S99
-Paragraph 3
-Subparagraph (SX 210.12-12B(Column A)(Footnote 4)(b))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477271/946-320-S99-3

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483466/210-20-50-3

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(m)(1)(i))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(m)(1)(ii)(A)(i))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483444/210-20-55-10

+ Details

Employee Benefit Plans (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Defined Benefit Plan Disclosure [Line Items]
Contribution to the Plan	$ 561	$ 500
Deferred tax benefit from stock options exercised	3	14
Options, exercises in period, intrinsic value		$ 54
Options, exercisable, intrinsic value	95
Grant-date fair value	$ 1,200
Exercise of options	4,203	4,500
Employee Stock Option [Member]
Defined Benefit Plan Disclosure [Line Items]
Share-based compensation expense	$ 0	$ 0
Options, outstanding, intrinsic value	77
Proceeds from options exercised	63
Stock Appreciation Rights (SARs) [Member]
Defined Benefit Plan Disclosure [Line Items]
Share-based compensation expense	0
Share-based compensation income		(56)
Restricted Stock [Member]
Defined Benefit Plan Disclosure [Line Items]
Share-based compensation expense	761	$ 518
Unrecognized compensation cost	$ 4,200
Unrecognized compensation costs, period for recognition	2 years 10 months 6 days
Vested (in shares)	52,970
Nonvested, beginning of period (in shares)	195,859
Nonvested, beginning balance (in dollars per share)	$ 23.02
2015 Stock Incentive Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Rights issued (in shares)	5,945
401 (k) Matching Range One [Member] \| Deferred Salary Reduction Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Employer matching contribution, percent of match	100.00%
Employer matching contribution, percent of employees gross pay	3.00%
401 (k) Matching Range Two [Member] \| Deferred Salary Reduction Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Employer matching contribution, percent of match	50.00%
Employer matching contribution, percent of employees gross pay	2.00%

Employee Benefit Plans (Stock Option Activity) (Details) - $ / shares	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Number
Exercised (in shares)	(4,203)	(4,500)
Officer and Employee Plans [Member]
Number
Outstanding (in shares)	10,148
Exercised (in shares)	(4,203)
Outstanding (in shares)	5,945
Weighted Average Exercisable Price
Weighted Average Exercisable Price, Outstanding (in dollars per share)	$ 15.05
Weighted Average Exercisable Price Exercised (in dollars per share)	15.05
Weighted Average Exercise Price, Outstanding (in dollars per share)	$ 15.05

Employee Benefit Plans (Options Outstanding by Exercise Price Range) (Details) - Officer and Employee Plans [Member] - $ / shares	3 Months Ended
	Mar. 31, 2025	Dec. 31, 2024
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise Prices (in dollars per share)	$ 15.05	$ 15.05
Number Outstanding (in shares)	5,945	10,148
Options Outstanding, Weighted Average Remaining Life	6 months
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$ 15.05
Exercisable (in shares)	5,945
Options Exercisable, Weighted Average Exercise Price (in dollars per share)	$ 15.05
15.05 [Member]
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise Prices (in dollars per share)	$ 15.05
Number Outstanding (in shares)	5,945
Options Outstanding, Weighted Average Remaining Life	6 months
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$ 15.05
Exercisable (in shares)	5,945
Options Exercisable, Weighted Average Exercise Price (in dollars per share)	$ 15.05

Employee Benefit Plans (Schedule of Non-vested Restricted Stock) (Details) - Restricted Stock [Member]	3 Months Ended
	Mar. 31, 2025 $ / shares shares
Number
Nonvested, beginning of period (in shares) \| shares	195,859
Granted (in shares) \| shares	97,408
Vested (in shares) \| shares	(52,970)
Forfeited/expired (in shares) \| shares	(1,287)
Nonvested, end of period (in shares) \| shares	239,010
Weighted Average Grant-Date Fair Value
Nonvested, beginning balance (in dollars per share) \| $ / shares	$ 23.02
Granted (in dollars per share) \| $ / shares	35.19
Vested (in dollars per share) \| $ / shares	21.91
Forfeited/expired (in dollars per share) \| $ / shares	24.55
Nonvested, ending balance (in dollars per share) \| $ / shares	$ 28.22

Employee Benefit Plans (Stock Appreciation Right Activity) (Details) - shares	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Number
Exercised (in shares)	(4,203)	(4,500)

Commitments and Contingent Liabilities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments to extend credit	$ 844,513		$ 828,755
Standby letters of credit	23,577		23,246
Allowance for off balance sheet credit	2,600		$ 2,500
Off-balance sheet credit loss expense (credit)	$ 136	$ (362)

Fair Value of Assets and Liabilities (Assets and Liabilities Measured on Recurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	$ 499,445	$ 482,328
Interest Rate Swap Liability
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities	Other Liabilities
Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	$ 499,445	$ 482,328
Derivative financial instruments and interest rate swap agreements, asset	12,081	12,135
Derivative financial instruments and interest rate swap agreements, liability	12,711	13,198
US Treasury Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	77,143	76,226
US Government-sponsored Enterprises Debt Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	38,087	39,188
Municipal securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	21,773	17,690
Other Debt Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	39,670	39,435
Mortgage-backed securities (GSEs) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	$ 322,772	$ 309,789
Interest Rate Swap [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets
Fair Value, Recurring [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	$ 499,445	$ 482,328
Total assets at fair value	511,526	494,463
Fair Value, Recurring [Member] \| Interest Rate Swap Liability
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative financial instruments and interest rate swap agreements, liability	12,711	13,198
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	499,445	482,328
Total assets at fair value	511,526	494,463
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Interest Rate Swap Liability
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative financial instruments and interest rate swap agreements, liability	12,711	13,198
Fair Value, Recurring [Member] \| US Treasury Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	77,143	76,226
Fair Value, Recurring [Member] \| US Treasury Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	77,143	76,226
Fair Value, Recurring [Member] \| US Government-sponsored Enterprises Debt Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	38,087	39,188
Fair Value, Recurring [Member] \| US Government-sponsored Enterprises Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	38,087	39,188
Fair Value, Recurring [Member] \| Municipal securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	21,773	17,690
Fair Value, Recurring [Member] \| Municipal securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	21,773	17,690
Fair Value, Recurring [Member] \| Other Debt Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	39,670	39,435
Fair Value, Recurring [Member] \| Other Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	39,670	39,435
Fair Value, Recurring [Member] \| Mortgage-backed securities (GSEs) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	322,772	309,789
Fair Value, Recurring [Member] \| Mortgage-backed securities (GSEs) [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	322,772	309,789
Fair Value, Recurring [Member] \| Interest Rate Swap [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative financial instruments and interest rate swap agreements, asset	12,081	12,135
Fair Value, Recurring [Member] \| Interest Rate Swap [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative financial instruments and interest rate swap agreements, asset	$ 12,081	$ 12,135

Fair Value of Assets and Liabilities (Assets and Liabilities Measured on Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024	Mar. 31, 2024	Dec. 31, 2023
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
OREO	$ 144
Collateral dependent loans	760	$ 1,813
Allowance for credit losses	38,175	37,423	$ 34,203	$ 35,066
Collateral Pledged [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Allowance for credit losses	3,800	3,900
Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
OREO	144
Collateral dependent loans	$ 760	$ 1,813

Fair Value of Assets and Liabilities (Unobservable Inputs) (Details) $ in Thousands	Mar. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent loans	$ 760	$ 1,813
OREO	144
Fair Value, Inputs, Level 3 [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent loans	760	1,813
OREO	144
Appraisal And Discounted Cash Flow [Member] \| Fair Value, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent loans	760	$ 1,813
OREO	$ 144
Appraisal And Discounted Cash Flow [Member] \| Measurement Input, Discount Rate [Member] \| Weighted Average [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent, measurement input	42	68
OREO, measurement input	10

Fair Value of Assets and Liabilities (Carrying Amount and Estimated Fair Value of Financial Instruments) (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Assets:
Securities available-for-sale, at fair value	$ 499,445	$ 482,328
Securities held to maturity, fair value	108,561	108,080
Liabilities:
Noninterest-bearing demand deposits	884,294	965,552
Interest-bearing demand deposits	885,063	836,731
Time deposits	907,474	844,640
Carrying Amount [Member]
Assets:
Cash and cash equivalents	422,984	387,570
Securities available-for-sale, at fair value	499,445	482,328
Securities held to maturity, fair value	125,576	126,659
Other investments	14,371	14,740
Loans and leases, net and loans held for sale	3,957,875	3,874,913
Derivative financial instruments and interest rate swap agreements, asset	12,081	12,135
Liabilities:
Noninterest-bearing demand deposits	884,294	965,552
Interest-bearing demand deposits	885,063	836,731
Money market and savings deposits	2,131,828	2,039,560
Time deposits	907,474	844,640
Borrowings	7,610	8,135
Subordinated debt	39,705	39,684
Derivative financial instruments and interest rate swap agreements, liability	12,711	13,198
Estimated Fair Value [Member]
Assets:
Cash and cash equivalents	422,984	387,570
Securities available-for-sale, at fair value	499,445	482,328
Securities held to maturity, fair value	108,561	108,080
Loans and leases, net and loans held for sale	3,861,402	3,768,452
Derivative financial instruments and interest rate swap agreements, asset	12,081	12,135
Liabilities:
Noninterest-bearing demand deposits	884,294	965,552
Interest-bearing demand deposits	885,063	836,731
Money market and savings deposits	2,131,828	2,039,560
Time deposits	908,490	844,694
Borrowings	7,610	8,135
Subordinated debt	38,374	38,043
Derivative financial instruments and interest rate swap agreements, liability	12,711	13,198
Fair Value, Inputs, Level 1 [Member]
Assets:
Cash and cash equivalents	422,984	387,570
Fair Value, Inputs, Level 2 [Member]
Assets:
Securities available-for-sale, at fair value	499,445	482,328
Securities held to maturity, fair value	108,561	108,080
Derivative financial instruments and interest rate swap agreements, asset	12,081	12,135
Liabilities:
Noninterest-bearing demand deposits	884,294	965,552
Interest-bearing demand deposits	885,063	836,731
Money market and savings deposits	2,131,828	2,039,560
Time deposits	908,490	844,694
Borrowings	7,610	8,135
Derivative financial instruments and interest rate swap agreements, liability	12,711	13,198
Fair Value, Inputs, Level 3 [Member]
Assets:
Loans and leases, net and loans held for sale	3,861,402	3,768,452
Liabilities:
Subordinated debt	$ 38,374	$ 38,043

Fair Value of Assets and Liabilities (Additional) (Detail) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024	Mar. 31, 2024	Dec. 31, 2023
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Allowance for credit losses	$ 38,175	$ 37,423	$ 34,203	$ 35,066
Collateral Pledged [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Allowance for credit losses	$ 3,800	$ 3,900

Derivatives Financial Instruments (Fair Value Hedges on Balance Sheet) (Details) - Interest Rate Swap Liability - Fair Value Hedging [Member] - Designated as Hedging Instrument [Member] - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2025	Dec. 31, 2024
Derivatives, Fair Value [Line Items]
Weighted Average Remaining Maturity (In Years)	1 year 5 months 12 days	1 year 8 months 12 days
Weighted Average Pay Rate	4.31%	4.31%
Notional Amount, Liability	$ 51,507	$ 51,507
Estimated Fair Value	$ (380)	$ (224)

- Definition

Nominal or face amount used to calculate payments on the derivative liability.

+ References + Details

Derivatives Financial Instruments (Fair Value Hedges on Income Statement) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Derivative Instruments, Gain (Loss) [Line Items]
Tax-exempt	$ 354	$ 352
Fair Value Hedging [Member] \| Interest Rate Swap [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) on fair value hedging relationship	(380)	(9)
Fair Value Hedging [Member] \| Interest Rate Swap [Member] \| Designated as Hedging Instrument [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Interest income on taxable securities	4,774	4,442
Effects of fair value hedge relationships	1	106
Reported interest income on taxable securities	4,775	4,548
Gain (loss) on fair value hedging relationship	$ 380	$ 9
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Tax-exempt	Tax-exempt
Carrying amount of hedged asset	$ 48,115	$ 48,507

Derivatives Financial Instruments (Interest Rate Swaps related to Loan Hedging Program) (Details) - Interest Rate Swap [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Dec. 31, 2024
Cash Flow Hedging [Member] \| Interest Income [Member]
Derivatives, Fair Value [Line Items]
Cash flow hedge estimated to be reclassified in next 12 months	$ 0
Cash Flow Hedging [Member] \| Interest Expense [Member]
Derivatives, Fair Value [Line Items]
Cash flow hedge estimated to be reclassified in next 12 months	79
Non-hedged derivatives [Member]
Derivatives, Fair Value [Line Items]
Notional Amount, Asset	422,429	$ 393,268
Estimated Fair Value, Asset	12,081	12,135
Notional Amount, Liability	422,429	393,268
Estimated Fair Value, Liability	(12,081)	(12,135)
Notional 50000 Amount [Member] \| Designated as Hedging Instrument [Member] \| Cash Flow Hedging [Member] \| Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Notional Amount, Asset	100,000
Estimated Fair Value Asset (Liability)	(171)
Notional 150000 Amount [Member] \| Designated as Hedging Instrument [Member] \| Cash Flow Hedging [Member] \| Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Notional Amount, Liability	150,000	150,000
Estimated Fair Value Asset (Liability)	$ 79	280
Notional 100000 Amount [Member] \| Designated as Hedging Instrument [Member] \| Cash Flow Hedging [Member] \| Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Notional Amount, Asset		100,000
Estimated Fair Value Asset (Liability)		$ (559)

Derivatives Financial Instruments (Effect of Fair Value and Cash Flow Hedge Accounting on AOCI) (Details) - Interest Rate Swap [Member] - Designated as Hedging Instrument [Member] - Cash Flow Hedging [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Interest Income [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest Income, Operating	Interest Income, Operating
Amount of Gain (Loss) Recognized on OCI on Derivative	$ 387	$ (1,221)
Amount of Gain or (Loss) Reclassified from AOCI into Income	$ 13	$ (204)
Derivative Instrument, Gain (Loss) Reclassified from AOCI into Income, Effective Portion, Statement of Income or Comprehensive Income [Extensible Enumeration]		Interest Income, Operating
Interest Expense [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest Expense	Interest Expense
Amount of Gain (Loss) Recognized on OCI on Derivative	$ 201	$ 189
Amount of Gain or (Loss) Reclassified from AOCI into Income	$ (164)	$ (242)

Derivatives Financial Instruments (Effect of Fair Value and Cash Flow Hedge Accounting on the Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Derivative Instruments, Gain (Loss) [Line Items]
Total interest income	$ 66,363	$ 59,987
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]	Total interest income	Total interest income
Total interest expense	$ 27,974	$ 28,304
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest Expense	Interest Expense
Total interest income	$ 66,376	$ 59,783
Total interest expense	38,238	31,721
Interest Income [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Effects of cash flow hedge relationships	13	(204)
Total interest income	66,376	59,783
Interest Expense [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Effects of cash flow hedge relationships	164	(242)
Total interest expense	$ 28,138	$ 28,062

Derivatives Financial Instruments (Interest Rate Swaps to Facilitate Customer's Transactions) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Interest Rate Swap [Member] \| Non-hedged derivatives [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Transaction on income statement	$ 457	$ 113

Derivatives Financial Instruments (Collateral Requirements) (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Collateral pledged to derivative counterparties	$ 150	$ 150

Leases (Balance Sheet Lease Assets and Liabilities) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Dec. 31, 2024
Leases [Abstract]
Operating lease right-of-use assets	$ 11,627	$ 11,951
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other Assets	Other Assets
Operating lease liabilities	$ 12,242	$ 12,472
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other Liabilities	Other Liabilities
Lessee, Operating Lease, Existence of Option to Extend [true false]	true

Leases (Narrative) (Details)	Mar. 31, 2025
Leases [Abstract]
Weighted average remaining lease term	10 years 3 months
Weighted average discount rate	3.56%

Leases (Lease Costs and Other Information) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Lease costs:
Operating lease costs	$ 481	$ 451
Variable lease costs	16	30
Sublease income	(24)
Total	473	481
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 385	$ 421

Leases (Lease Maturities) (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Leases [Abstract]
Remainder of 2025	$ 1,354
2026	1,695
2027	1,489
2028	1,469
2029	1,398
Thereafter	7,648
Total future minimum lease payments	15,053
Amounts representing interest	(2,811)
Present value of net future minimum lease payments	$ 12,242	$ 12,472

Regulatory Matters (Narrative) (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Banking and Thrift [Abstract]
Dividends	$ 3.0
Common stock dividends, quarterly (in dollars per share)	$ 0.08
Common stock dividend, per share	$ 0.08	$ 0.08

Regulatory Matters (Regulatory Capital Levels) (Details) $ in Thousands	Mar. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)
SmartFinancial, Inc. [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital (to Risk-Weighted Assets), Actual Amount	$ 482,054	$ 470,635
Tier 1 Capital (to Risk-Weighted Assets), Actual Amount	422,107	413,616
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Actual Amount	422,107	413,616
Tier 1 Capital (to Average Assets), Actual Amount	$ 422,107	$ 413,616
Total Capital (to Risk-Weighted Assets), Actual Ratio (as a percent)	0.1118	0.111
Tier 1 Capital (to Risk-Weighted Assets), Actual Ratio (as a percent)	0.0979	0.0976
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Actual Ration (as percent)	0.0979	0.0976
Tier 1 Capital (to Average Assets), Actual Ratio (as a percent)	0.0816	0.0829
Total Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Amount	$ 345,052	$ 339,044
Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Amount	258,789	254,283
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Amount	194,092	190,712
Tier 1 Capital (to Average Assets), Minimum for capital adequacy purposes Amount	$ 206,893	$ 199,585
Total Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.08	0.08
Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.06	0.06
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.045	0.045
Tier 1 Capital (to Average Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.04	0.04
Smart Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital (to Risk-Weighted Assets), Actual Amount	$ 489,149	$ 478,368
Tier 1 Capital (to Risk-Weighted Assets), Actual Amount	453,025	445,159
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Actual Amount	453,025	445,159
Tier 1 Capital (to Average Assets), Actual Amount	$ 453,025	$ 445,159
Total Capital (to Risk-Weighted Assets), Actual Ratio (as a percent)	0.1135	0.113
Tier 1 Capital (to Risk-Weighted Assets), Actual Ratio (as a percent)	0.1051	0.1051
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Actual Ration (as percent)	0.1051	0.1051
Tier 1 Capital (to Average Assets), Actual Ratio (as a percent)	0.0876	0.0894
Total Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Amount	$ 344,766	$ 338,774
Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Amount	258,574	254,080
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Amount	193,931	190,560
Tier 1 Capital (to Average Assets), Minimum for capital adequacy purposes Amount	$ 206,750	$ 199,214
Total Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.08	0.08
Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.06	0.06
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.045	0.045
Tier 1 Capital (to Average Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.04	0.04
Total Capital (to Risk-Weighted Assets), Minimum to be well capitalized under prompt corrective action provisions Amount	$ 430,957	$ 423,467
Tier 1 Capital (to Risk-Weighted Assets), Minimum to be well capitalized under prompt corrective action provisions Amount	344,766	338,774
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Minimum to be well capitalized under prompt corrective action provisions Amount	280,122	275,253
Tier 1 Capital (to Average Assets), Minimum to be well capitalized under prompt corrective action provisions Amount	$ 258,437	$ 249,017
Total Capital (to Risk-Weighted Assets), Minimum to be well capitalized under prompt corrective action provisions Ratio (as a percent)	0.10	0.10
Tier 1 Capital (to Risk-Weighted Assets), Minimum to be well capitalized under prompt corrective action provisions Ratio (as a percent)	0.08	0.08
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Minimum to be well capitalized under prompt corrective action provisions Ratio (as a percent)	0.065	0.065
Tier 1 Capital (to Average Assets), Minimum to be well capitalized under prompt corrective action provisions Ratio (as a percent)	0.05	0.05

Other comprehensive income (loss) (Activity in Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
AOCI Attributable to Parent, Net of Tax [Roll Forward]
BALANCE	$ 491,348
BALANCE	505,828
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent [Member]
AOCI Attributable to Parent, Net of Tax [Roll Forward]
BALANCE	(22,350)	$ (23,818)
Other comprehensive income (loss)	3,681	(2,304)
Net other comprehensive income (loss) during period	3,681	(2,304)
BALANCE	(18,669)	(26,122)
AOCI, Available-for-Sale Securities Transfer to Held-to-Maturity [Member]
AOCI Attributable to Parent, Net of Tax [Roll Forward]
BALANCE	(534)	(632)
Reclassification of amounts included in net income	22	26
Net other comprehensive income (loss) during period	22	26
BALANCE	(512)	(606)
Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent [Member]
AOCI Attributable to Parent, Net of Tax [Roll Forward]
BALANCE	(621)	(1,060)
Other comprehensive income (loss)	325	341
Reclassification of amounts included in net income	112	28
Net other comprehensive income (loss) during period	437	369
BALANCE	(184)	(691)
AOCI Attributable to Parent [Member]
AOCI Attributable to Parent, Net of Tax [Roll Forward]
BALANCE	(23,671)	(25,907)
Other comprehensive income (loss)	3,891	(1,651)
Reclassification of amounts included in net income	133	133
Net other comprehensive income (loss) during period	4,024	(1,518)
BALANCE	(19,647)	(27,425)
AOCI, Derivative Qualifying as Hedge, Excluded Component, Parent [Member]
AOCI Attributable to Parent, Net of Tax [Roll Forward]
BALANCE	(166)	(397)
Other comprehensive income (loss)	(115)	312
Reclassification of amounts included in net income	(1)	79
Net other comprehensive income (loss) during period	(116)	391
BALANCE	$ (282)	$ (6)

Segment Information (Details) - USD ($) $ in Thousands	3 Months Ended
Segment Information (Details) - USD ($) $ in Thousands	Mar. 31, 2025	Mar. 31, 2024
Segment Information
Interest income	$ 66,376	$ 59,783
Interest expense	28,138	28,062
Net interest income	38,238	31,721
Provision for credit losses	979	(440)
Net interest income after provision for credit losses	37,259	32,161
Noninterest income:
Service charges on deposit accounts	1,736	1,612
Mortgage banking	493	280
Investment services	1,769	1,380
Insurance commissions	1,412	1,103
Interchange and debit card transaction fees, net	1,220	1,253
Other	1,967	2,752
Total noninterest income	8,597	8,380
Noninterest expense:
Salaries and employee benefits	19,234	16,639
Occupancy and equipment	3,397	3,396
FDIC insurance	960	915
Other real estate and loan related expense	658	584
Advertising and marketing	382	302
Data processing and technology	2,657	2,465
Professional services	1,368	924
Amortization of intangibles	569	612
Other	3,071	2,716
Total noninterest expense	32,296	28,553
Income before income tax expense	13,560	11,988
Income tax expense	2,306	2,630
Net income	11,254	9,358
General Banking Unit
Segment Information
Interest income	66,376	59,783
Interest expense	28,138	28,062
Net interest income	38,238	31,721
Provision for credit losses	979	(440)
Net interest income after provision for credit losses	37,259	32,161
Noninterest income:
Service charges on deposit accounts	1,736	1,612
Mortgage banking	493	280
Investment services	1,769	1,380
Insurance commissions	1,412	1,103
Interchange and debit card transaction fees, net	1,220	1,253
Other	1,967	2,752
Total noninterest income	8,597	8,380
Noninterest expense:
Salaries and employee benefits	19,234	16,639
Occupancy and equipment	3,397	3,396
FDIC insurance	960	915
Other real estate and loan related expense	658	584
Advertising and marketing	382	302
Data processing and technology	2,657	2,465
Professional services	1,368	924
Amortization of intangibles	569	612
Other	3,071	2,716
Total noninterest expense	32,296	28,553
Income before income tax expense	13,560	11,988
Income tax expense	2,306	2,630
Net income	$ 11,254	$ 9,358

Three Months Ended

March 31,

Interest rate swap agreements