SmartFinancial (SMBK) 10-Q9 May 242024 Q1 Quarterly reportFinancial data

Company Profile

Cover Page

Cover Page - shares	3 Months Ended
Cover Page - shares	Mar. 31, 2024	May 03, 2024
Cover page [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2024
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		17,062,704
Amendment Flag	false
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q1
Entity Central Index Key	0001038773
Current Fiscal Year End Date	--12-31

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS:
Cash and due from banks	$ 48,329	$ 61,586
Interest-bearing deposits with banks	343,778	233,237
Federal funds sold	85,834	57,448
Total cash and cash equivalents	477,941	352,271
Securities available-for-sale, at fair value, post ASU 2019-04	474,347	408,410
Securities held-to-maturity, at amortized cost, post ASU 2019-04	180,169	281,236
Other investments	13,718	13,662
Loans held for sale	4,861	4,418
Total loans and leases	3,477,555	3,444,462
Less: Allowance for credit losses	(34,203)	(35,066)
Loans and leases, net	3,443,352	3,409,396
Premises and equipment, net	92,694	92,963
Other real estate owned	696	517
Goodwill and other intangibles, net	106,537	107,148
Bank owned life insurance	83,957	83,434
Other assets	76,418	75,932
Total assets	4,954,690	4,829,387
Deposits:
Noninterest-bearing demand	907,254	898,044
Interest-bearing demand	996,298	1,006,915
Money market and savings	1,952,410	1,812,427
Time deposits	538,159	550,468
Total deposits	4,394,121	4,267,854
Borrowings	9,849	13,078
Subordinated debt	42,120	42,099
Other liabilities	41,804	46,470
Total liabilities	4,487,894	4,369,501
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; 17,056,704 and 16,988,879 shares issued and outstanding, respectively	17,057	16,989
Additional paid-in capital	296,061	295,699
Retained earnings	181,103	173,105
Accumulated other comprehensive income (loss)	(27,425)	(25,907)
Total shareholders' equity	466,796	459,886
Total liabilities and shareholders' equity	$ 4,954,690	$ 4,829,387

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Securities held to maturity, fair value	$ 161,213	$ 262,538
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)	17,056,704	16,988,879
Common stock, shares outstanding (in shares)	17,056,704	16,988,879

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Mar. 31, 2024	Mar. 31, 2023
Interest income:
Loans and leases, including fees	$ 50,020	$ 44,728
Securities:
Taxable	4,548	3,651
Tax-exempt	352	353
Federal funds sold and other earning assets	4,863	4,446
Total interest income	59,783	53,178
Interest expense:
Deposits	27,035	16,346
Borrowings	128	224
Subordinated debt	899	626
Total interest expense	28,062	17,196
Net interest income	31,721	35,982
Provision for credit losses	(440)	550
Net interest income after provision for credit losses	32,161	35,432
Noninterest income:
Service charges on deposit accounts	1,612	1,445
Mortgage banking	280	172
Investment services	1,380	1,005
Insurance commissions	1,103	1,259
Interchange and debit card transaction fees, net	1,253	1,383
Other	2,752	1,661
Total noninterest income	8,380	6,925
Noninterest expense:
Salaries and employee benefits	16,639	16,742
Occupancy and equipment	3,396	3,208
FDIC insurance	915	541
Other real estate and loan related expense	584	572
Advertising and marketing	302	355
Data processing and technology	2,465	2,163
Professional services	924	807
Amortization of intangibles	612	659
Other	2,716	2,482
Total noninterest expense	28,553	27,529
Income before income tax expense	11,988	14,828
Income tax expense	2,630	3,328
Net income	$ 9,358	$ 11,500
Earnings per common share:
Basic (in dollars per share)	$ 0.56	$ 0.69
Diluted (in dollars per share)	$ 0.55	$ 0.68
Weighted average common shares outstanding:
Basic (in shares)	16,849,735	16,791,406
Diluted (in shares)	16,925,408	16,896,494

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Net Income (Loss)	$ 9,358	$ 11,500
Other comprehensive income (loss):
Unrealized holding gains (losses) on securities available-for-sale	(3,107)	8,276
Tax effect	803	(2,138)
Amortization of unrealized gains (losses) on investment securities transferred from available-for-sale to held-to-maturity	35	40
Tax effect	(9)	(10)
Unrealized gains (losses) on securities available-for-sale, net of tax	(2,278)	6,168
Total other comprehensive income (loss)	(1,518)	6,704
Comprehensive income	7,840	18,204
Fair Value Hedging [Member]
Other comprehensive income (loss):
Unrealized gains (losses) on fair value municipal security and cash flow hedge instruments arising during the period, net of tax	391
Unrealized gains (losses) on hedges	420
Tax effect	(108)
Reclassification adjustment for realized losses (gains) included in net income	106
Tax effect	(27)
Cash Flow Hedging [Member]
Other comprehensive income (loss):
Unrealized gains (losses) on hedges	460	722
Tax effect	(119)	(186)
Reclassification adjustment for realized losses (gains) included in net income	38
Tax effect	(10)
Unrealized gains (losses) on hedge instruments arising during the period, net of tax	$ 369	$ 536

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock [Member] Cumulative Effect, Period of Adoption, Adjusted Balance [Member]	Common Stock [Member]	Additional Paid-in Capital [Member] Cumulative Effect, Period of Adoption, Adjusted Balance [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member] Cumulative Effect, Period of Adoption, Adjusted Balance [Member]	Retained Earnings [Member] Cumulative Effect, Period of Adoption, Adjustment [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member] Cumulative Effect, Period of Adoption, Adjusted Balance [Member]	AOCI Attributable to Parent [Member]	Cumulative Effect, Period of Adoption, Adjusted Balance [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Total
BALANCE (Accounting Standards Update 2016-13 [Member]) at Dec. 31, 2022						$ (6,606)					$ (6,606)
BALANCE at Dec. 31, 2022	$ 16,901	$ 16,901	$ 294,330	$ 294,330	$ 149,939		$ 156,545	$ (35,324)	$ (35,324)	$ 425,846		$ 432,452
BALANCE (in shares) at Dec. 31, 2022	16,900,805	16,900,805
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income							11,500					11,500
Other comprehensive income (loss)									6,704			6,704
Stock options exercised		$ 15		150								$ 165
Stock options exercised (in shares)		15,705										15,705
Restricted stock		$ 88		(88)
Restricted stock (in shares)		87,582
Stock compensation expense				538								$ 538
Common stock dividends							(1,354)					(1,354)
BALANCE at Mar. 31, 2023		$ 17,004		294,930			160,085		(28,620)			443,399
BALANCE (in shares) at Mar. 31, 2023		17,004,092
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 (loss)									(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 dividends							(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

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY [Abstract]
Common stock dividend, per share	$ 0.08	$ 0.08

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Cash flows from operating activities:
Net income	$ 9,358	$ 11,500
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	2,460	2,614
Amortization of intangible assets	612	659
Provision for Loan and Lease Losses	(440)	550
Stock compensation expense	518	538
Deferred income tax expense	1,439	3,475
Increase in cash surrender value of bank owned life insurance	(523)	(469)
Net gains from mortgage banking	(250)	(172)
Origination of loans held for sale	(10,825)	(10,319)
Proceeds from sales of loans held for sale	10,632	8,919
Net (gain) loss from sale/disposal of fixed assets	(1,373)	8
Net change in:
Accrued interest receivable	(64)	(217)
Accrued interest payable	(781)	106
Other assets	(1,616)	1,674
Other liabilities	(2,071)	(7,512)
Net cash provided by operating activities	7,076	11,354
Cash flows from investing activities:
Proceeds from maturities, calls and paydowns	11,394	7,554
Purchases	(81,009)	(76,606)
Proceeds from maturities, calls and paydowns	100,527	628
Proceeds from sales of other investments		1,480
Purchases of other investments	(205)	(9)
Net increase in loans and leases	(34,057)	(28,943)
Proceeds from sale of fixed assets	3,248	623
Purchases of premises and equipment	(2,914)	(1,561)
Net cash used in investing activities	(3,016)	(96,834)
Cash flows from financing activities:
Net increase in deposits	126,287	152,493
Net decrease in securities sold under agreements to repurchase	(1,229)	(729)
Repayment of borrowings	(2,000)	(24,585)
Cash dividends paid	(1,360)	(1,354)
Issuance of common stock	43	165
Restricted shares withheld for taxes	(131)
Net cash provided by financing activities	121,610	125,990
Net change in cash and cash equivalents	125,670	40,510
Cash and cash equivalents, beginning of period	352,271	266,424
Cash and cash equivalents, end of period	477,941	306,934
Supplemental disclosures of cash flow information:
Cash paid during the period for interest	28,843	17,091
Net cash paid during the period for income taxes	5	19
Noncash investing and financing activities:
Recognition of operating lease assets in exchange for lease liabilities	99
Acquisition of real estate through foreclosure	$ 179	$ 272

Presentation of Financial Infor

Presentation of Financial Information	3 Months Ended
Presentation of Financial Information	Mar. 31, 2024
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 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, 2023. Recently Issued and Adopted Accounting Pronouncements: In June 2022, the FASB issued ASU 2022-03, Fair Value Measurement (Topic 820): Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions , which clarifies that a contractual sale restriction should not be considered in measuring fair value. It also requires entities with investments in equity securities subject to contractual sale restrictions to disclose certain qualitative and quantitative information about such securities. The guidance is effective for public companies for fiscal years beginning after December 15, 2023. All other entities have an extra year to adopt; early adoption is permitted. ASU 2022-03 did not have an impact on the Company’s Consolidated Financial Statements. In March 2023, the FASB issued ASU 2023-01, “Leases (Topic 842): Common Control Arrangements.” ASU 2023-01 requires entities to amortize leasehold improvements associated with common control leases over the useful life to the common control group. ASU 2023-01 also provides certain practical expedients applicable to private companies and not-for-profit organizations. The guidance is effective for fiscal years beginning after December 15, 2023. ASU 2023-01 did not have an impact on the Company’s Consolidated Financial Statements. In March 2023, the FASB issued ASU No. 2023-02, “Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method.” ASU 2023-02 is intended to improve the accounting and disclosures for investments in tax credit structures. ASU 2023-02 allows entities to elect to account for qualifying tax equity investments using the proportional amortization method, regardless of the program giving rise to the related income tax credits. Previously, this method was only available for qualifying tax equity investments in low-income housing tax credit structures. The guidance is effective for fiscal years beginning after December 15, 2023. ASU 2023-02 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, 2023, as filed in its Annual Report on Form 10-K with the Securities and Exchange Commission ("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 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. The Company is accessing ASU 2023-07, and its adoption is not expected to have a significant impact on our Consolidated Financial Statements. In December 2023, FASB issued ASU No. 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures.”

Earnings Per Share

Earnings Per Share	3 Months Ended
Earnings Per Share	Mar. 31, 2024
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, 2024, and March 31, 2023, 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, 2024 2023 Basic earnings per share computation: Net income available to common shareholders $ 9,358 $ 11,500 Average common shares outstanding – basic 16,849,735 16,791,406 Basic earnings per share $ 0.56 $ 0.69 Diluted earnings per share computation: Net income available to common shareholders $ 9,358 $ 11,500 Average common shares outstanding – basic 16,849,735 16,791,406 Incremental shares from assumed conversions: Stock options and restricted stock 75,673 105,088 Average common shares outstanding - diluted 16,925,408 16,896,494 Diluted earnings per common share $ 0.55 $ 0.68

Securities

Securities	3 Months Ended
Securities	Mar. 31, 2024
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, 2024 Gross Gross Amortized Unrealized Unrealized Fair Available-for-sale: Cost Gains Losses Value U.S. Treasury $ 84,065 $ — $ (8,790) $ 75,275 U.S. Government-sponsored enterprises (GSEs) 48,393 725 (169) 48,949 Municipal securities 18,407 98 (487) 18,018 Other debt securities 39,321 164 (3,546) 35,939 Mortgage-backed securities (GSEs) 319,389 699 (23,922) 296,166 Total $ 509,575 $ 1,686 $ (36,914) $ 474,347 March 31, 2024 Gross Gross Amortized Unrealized Unrealized Fair Held-to-maturity: Cost Gains Losses Value U.S. Treasury $ 50,030 $ — $ (227) $ 49,803 U.S. Government-sponsored enterprises (GSEs) 49,032 — (7,897) 41,135 Municipal securities 52,423 — (6,582) 45,841 Mortgage-backed securities (GSEs) 28,684 — (4,250) 24,434 Total $ 180,169 $ — $ (18,956) $ 161,213 December 31, 2023 Gross Gross Amortized Unrealized Unrealized Fair Available-for-sale: Cost Gains Losses Value U.S. Treasury $ 84,307 $ — $ (8,274) $ 76,033 U.S. Government-sponsored enterprises (GSEs) 46,983 1,256 (146) 48,093 Municipal securities 18,616 135 (475) 18,276 Other debt securities 36,863 93 (3,887) 33,069 Mortgage-backed securities (GSEs) 254,288 588 (21,937) 232,939 Total $ 441,057 $ 2,072 $ (34,719) $ 408,410 December 31, 2023 Gross Gross Amortized Unrealized Unrealized Fair Held-to-maturity: Cost Gains Losses Value U.S. Treasury $ 150,066 $ — $ (1,482) $ 148,584 U.S. Government-sponsored enterprises (GSEs) 49,336 — (7,143) 42,193 Municipal securities 52,680 — (6,178) 46,502 Mortgage-backed securities (GSEs) 29,154 — (3,895) 25,259 Total $ 281,236 $ — $ (18,698) $ 262,538 At March 31, 2024 and December 31, 2023, securities with a carrying value totaling approximately $444.6 million and $358.3 million, respectively, were pledged to secure public funds and securities sold under agreements to repurchase. For the three months ended March 31, 2024, and 2023 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, 2024, by contractual maturity for non-mortgage backed securities are shown below (in thousands) March 31, 2024 Amortized Fair Available-for-sale: Cost Value Due in one year or less $ 1,280 $ 1,274 Due from one year to five years 88,430 79,446 Due from five years to ten years 87,487 84,734 Due after ten years 12,989 12,727 190,186 178,181 Mortgage-backed securities 319,389 296,166 Total $ 509,575 $ 474,347 Held-to-maturity: Due in one year or less $ 50,030 $ 49,802 Due from one year to five years 745 701 Due from five years to ten years 47,201 40,121 Due after ten years 53,509 46,155 151,485 136,779 Mortgage-backed securities 28,684 24,434 Total $ 180,169 $ 161,213 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, 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 $ — $ — — $ 75,276 $ (8,790) 9 $ 75,276 $ (8,790) 9 U.S. Government-sponsored enterprises (GSEs) 9,906 (141) 3 6,532 (28) 5 16,438 (169) 8 Municipal securities 2,156 (11) 5 12,565 (476) 19 14,721 (487) 24 Other debt securities 2,408 (41) 2 29,415 (3,505) 26 31,823 (3,546) 28 Mortgage-backed securities (GSEs) 63,256 (831) 21 177,765 (23,091) 87 241,021 (23,922) 108 Total $ 77,726 $ (1,024) 31 $ 301,553 $ (35,890) 146 $ 379,279 $ (36,914) 177 March 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. Treasury $ — $ — — $ 49,802 $ (227) 2 $ 49,802 $ (227) 2 U.S. Government-sponsored enterprises (GSEs) — — — 41,135 (7,897) 13 41,135 (7,897) 13 Municipal securities — — — 45,840 (6,582) 35 45,840 (6,582) 35 Mortgage-backed securities (GSEs) — — — 24,434 (4,250) 5 24,434 (4,250) 5 Total $ — $ — — $ 161,211 $ (18,956) 55 $ 161,211 $ (18,956) 55 December 31, 2023 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 $ — $ — — $ 76,033 $ (8,274) 9 $ 76,033 $ (8,274) 9 U.S. Government-sponsored enterprises (GSEs) 9,743 (137) 3 1,482 (9) 3 11,225 (146) 6 Municipal securities 2,786 (2) 2 9,849 (473) 17 12,635 (475) 19 Other debt securities 2,986 (17) 2 29,057 (3,870) 26 32,043 (3,887) 28 Mortgage-backed securities (GSEs) 16,401 (229) 8 176,351 (21,708) 88 192,752 (21,937) 96 Total $ 31,916 $ (385) 15 $ 292,772 $ (34,334) 143 $ 324,688 $ (34,719) 158 December 31, 2023 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. Treasury $ — $ — — $ 148,584 $ (1,482) 4 $ 148,584 $ (1,482) 4 U.S. Government-sponsored enterprises (GSEs) — — — 42,194 (7,143) 13 42,194 (7,143) 13 Municipal securities — — — 46,500 (6,178) 35 46,500 (6,178) 35 Mortgage-backed securities (GSEs) — — — 25,258 (3,895) 5 25,258 (3,895) 5 Total $ — $ — — $ 262,536 $ (18,698) 57 $ 262,536 $ (18,698) 57 For any securities classified as available-for-sale 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 available-for-sale securities that have an unrealized loss at March 31, 2024, and it is not likely that they we 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 available-for-sale 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, 2024, 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, 2024. 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 held-to-maturity 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 held-to-maturity state and municipal securities are 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, 2024, 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, 2024, all debt securities classified as held-to-maturity were rated AA- 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, 2024, or December 31, 2023. 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, 2024, and 2023, 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, 2024, 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, 2024 2023 Federal Reserve Bank stock $ 9,532 $ 9,526 Federal Home Loan Bank stock 3,836 3,786 First National Bankers Bank stock 350 350 Total $ 13,718 $ 13,662

Loans and Leases and Allowance

Loans and Leases and Allowance for Credit Losses	3 Months Ended
Loans and Leases and Allowance for Credit Losses	Mar. 31, 2024
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, 2024 2023 Commercial real estate $ 1,743,205 $ 1,739,205 Consumer real estate 659,209 649,867 Construction and land development 321,860 327,185 Commercial and industrial 667,903 645,918 Leases 71,909 68,752 Consumer and other 13,469 13,535 Total loans and leases 3,477,555 3,444,462 Less: Allowance for credit losses (34,203) (35,066) Loans and leases, net $ 3,443,352 $ 3,409,396 The loan and lease portfolio is disaggregated into segments. There are six loan and lease portfolio segments that 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: Consumer Real Estate: Construction and Land Development: Commercial and Industrial: Leases: Consumer and Other: The following tables detail the changes in the allowance for credit losses by loan and lease classification (in thousands) Three Months Ended March 31, 2024 Consumer Construction Commercial Commercial Real and Land and Consumer Real Estate Estate Development Industrial Leases and Other Total Beginning balance $ 15,264 $ 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 (1) (423) 25 271 (108) 94 63 (78) Ending balance $ 14,843 $ 7,246 $ 4,704 $ 6,641 $ 657 $ 112 $ 34,203 Three Months Ended March 31, 2023 Consumer Construction Commercial Commercial Real and Land and Consumer Real Estate Estate Development Industrial Leases and Other Total Beginning balance $ 10,821 $ 4,028 $ 3,059 $ 3,997 $ 1,293 $ 136 $ 23,334 Impact of adopting ASU 2016-13 879 1,952 2,145 1,451 (683) 13 5,757 PCD gross up 2,652 166 25 27 28 — 2,898 Charged-off loans and leases — — — (173) (9) (133) (315) Recoveries of charge-offs 2 5 — 20 — 28 55 Provision charged to expense 174 260 (10) 37 8 81 550 Ending balance $ 14,528 $ 6,411 $ 5,219 $ 5,359 $ 637 $ 125 $ 32,279 (1) In the provision charged to expense there was a release of $362 thousand 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, 2024, and 2023, is ($78) thousand and $550 thousand, respectively. As of March 31, 2024, and December 31, 2023, our allowance for credit losses was $34.2 million and $35.1 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 0.98% at March 31, 2024, and 1.02% at December 31, 2023. A description of the general characteristics of the risk grades used by the Company is as follows: Pass: Watch: Special Mention: weaknesses may result in noticeable deterioration of the repayment prospects for the asset or in the Company’s credit position. Substandard: Doubtful: Uncollectible: 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 (in thousands) March 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 Pass $ 26,854 $ 272,348 $ 570,319 $ 420,101 $ 175,214 $ 232,580 $ 15,370 $ - $ 1,712,786 Watch - 4,609 1,266 1,930 2,661 10,755 559 - 21,780 Special mention - - 3,195 - - - - - 3,195 Substandard - 881 - 3,362 308 893 - - 5,444 Doubtful - - - - - - - - - Total commercial real estate 26,854 277,838 574,780 425,393 178,183 244,228 15,929 - 1,743,205 YTD gross charge-offs - - - - - - - - - Consumer real estate Pass 20,868 123,370 170,452 95,970 52,595 77,419 110,895 818 652,387 Watch - 255 - 704 115 97 1,548 - 2,719 Special mention - - - - - 52 - - 52 Substandard - 194 - 176 253 3,321 107 - 4,051 Doubtful - - - - - - - - - Total consumer real estate 20,868 123,819 170,452 96,850 52,963 80,889 112,550 818 659,209 YTD gross charge-offs - - - - - (107) - - (107) Construction and land development Pass 44,621 91,788 112,195 16,914 2,349 11,541 33,024 243 312,675 Watch 3 5,600 2,889 221 - - - - 8,713 Special mention - 438 - - - - - - 438 Substandard - - - 34 - - - - 34 Doubtful - - - - - - - - - Total construction and land development 44,624 97,826 115,084 17,169 2,349 11,541 33,024 243 321,860 YTD gross charge-offs - - - - (441) - - - (441) Commercial and industrial Pass 21,783 163,348 156,287 56,170 21,534 32,713 210,622 613 663,070 Watch - 158 14 2,905 - - 519 35 3,631 Special mention - - - - - - - - - Substandard - 183 614 200 129 76 - - 1,202 Doubtful - - - - - - - - - Total commercial and industrial 21,783 163,689 156,915 59,275 21,663 32,789 211,141 648 667,903 YTD gross charge-offs - (85) (116) - - - - - (201) Leases Pass 11,038 26,324 24,078 7,176 2,553 740 - - 71,909 Watch - - - - - - - - - Special mention - - - - - - - - - Substandard - - - - - - - - - Doubtful - - - - - - - - - Total leases 11,038 26,324 24,078 7,176 2,553 740 - - 71,909 YTD gross charge-offs - (77) - - - - - - (77) Consumer and other Pass 1,653 4,682 1,602 715 358 392 4,058 - 13,460 Watch - - - - - 9 - - 9 Special mention - - - - - - - - - Substandard - - - - - - - - - Doubtful - - - - - - - - - Total consumer and other 1,653 4,682 1,602 715 358 401 4,058 - 13,469 YTD gross charge-offs - (39) (22) (9) (7) (17) - - (94) Total loans Pass 126,817 681,860 1,034,933 597,046 254,603 355,385 373,969 1,674 3,426,287 Watch 3 10,622 4,169 5,760 2,776 10,861 2,626 35 36,852 Special mention - 438 3,195 - - 52 - - 3,685 Substandard - 1,258 614 3,772 690 4,290 107 - 10,731 Doubtful - - - - - - - - - Total loans $ 126,820 $ 694,178 $ 1,042,911 $ 606,578 $ 258,069 $ 370,588 $ 376,702 $ 1,709 $ 3,477,555 Total YTD gross charge-offs $ - $ (201) $ (138) $ (9) $ (448) $ (124) $ - $ - $ (920) 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, 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 $ 143 $ 51 $ 1,068 $ 1,262 $ 1,741,943 $ 1,743,205 Consumer real estate 721 777 492 1,990 657,219 659,209 Construction and land development — 23 — 23 321,837 321,860 Commercial and industrial 1,817 92 1,843 3,752 664,151 667,903 Leases 881 340 — 1,221 70,688 71,909 Consumer and other 65 23 22 110 13,359 13,469 Total $ 3,627 $ 1,306 $ 3,425 $ 8,358 $ 3,469,197 $ 3,477,555 December 31, 2023 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 $ 52 $ 270 $ 1,660 $ 1,982 $ 1,737,223 1,739,205 Consumer real estate 2,216 1,347 561 4,124 645,743 649,867 Construction and land development 631 — 620 1,251 325,934 327,185 Commercial and industrial 956 330 2,286 3,572 642,346 645,918 Leases 1,208 132 212 1,552 67,200 68,752 Consumer and other 80 9 98 187 13,348 13,535 Total $ 5,143 $ 2,088 $ 5,437 $ 12,668 $ 3,431,794 $ 3,444,462 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, 2024 and December 31, 2023. Also presented is the balance of loans on nonaccrual status at March 31, 2024 for which there was no related allowance for credit losses recorded (in thousands) : March 31, 2024 December 31, 2023 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 $ 1,752 $ 802 $ — $ 2,044 $ 1,352 $ — Consumer real estate 2,466 1,503 — 2,647 1,562 — Construction and land development — — — 620 — — Commercial and industrial 1,953 160 73 2,480 160 — Leases — — — 140 — 72 Consumer and other — — 22 — — 98 Total $ 6,171 $ 2,465 $ 95 $ 7,931 $ 3,074 $ 170 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, 2024 Real Estate Other Total Commercial real estate $ 4,412 $ — $ 4,412 Consumer real estate 2,445 — 2,445 Construction and land development — — — Commercial and industrial — 1,018 1,018 Leases — — — Consumer and other — — — Total $ 6,857 $ 1,018 $ 7,875 December 31, 2023 Real Estate Other Total Commercial real estate $ 5,155 $ — $ 5,155 Consumer real estate 2,756 — 2,756 Construction and land development 1,411 — 1,411 Commercial and industrial — 1,018 1,018 Leases — — — Consumer and other — — — Total $ 9,322 $ 1,018 $ 10,340 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, 2024. There were no loan modifications made to borrowers experiencing financial difficulty during the three months ended March 31, 2023 (dollars in thousands) Payment Delay Payment Term and Term Three Months Ended March 31, 2024 Delay Extension Extension Total Commercial real estate $ — $ 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, 2024 (dollars in thousands) Weighted-Average Term Extension Three Months Ended March 31, 2024 (in months) Commercial real estate 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, 2024, and 2023, 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, 2024 90 Days 30-89 Days or More Current Past Due Past Due Nonaccrual Total Commercial real estate $ 741 $ — $ — $ 378 $ 1,119 Consumer real estate 2,339 50 — 100 2,489 Construction and land development 682 — — — 682 Commercial and industrial — — — 129 129 Leases — — — — — Consumer and other — — — — — Total $ 3,762 $ 50 $ — $ 607 $ 4,419 Foreclosure Proceedings and Balances : As of March 31, 2024, there were two residential real estate properties totaling $279 thousand secured by real estate included in other real estate owned and there was two residential real estate loans totaling $694 thousand in the process of foreclosure.

Goodwill and Intangible Assets

Goodwill and Intangible Assets	3 Months Ended
Goodwill and Intangible Assets	Mar. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangible Assets	Note 5. Goodwill and Intangible Assets In accordance with FASB ASC 350, Goodwill and Other The Company’s other intangible assets consist of core deposit intangibles, insurance agency customer relationships and insurance agency tradename. 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 insurance agency tradename is amortized over five years. The carrying amount of goodwill at March 31, 2024, and December 31, 2023, was $96.1 million, respectively. Other intangible assets as of the dates indicated is summarized below (in thousands) Core Deposit Customer Relationships Tradename Amortized other intangible assets: Intangibles Intangibles Intangibles Total March 31, 2024: Beginning balance January 1, 2024, gross $ 17,470 $ 5,670 $ 63 $ 23,203 Less: accumulated amortization (10,183) (2,565) (63) (12,811) Balance, March 31, 2024, other intangible assets, net $ 7,287 $ 3,105 $ - $ 10,392 December 31, 2023: Beginning balance January 1, 2023, gross $ 17,470 $ 5,670 $ 63 $ 23,203 Less: accumulated amortization (9,758) (2,379) (63) (12,200) Balance, December 31, 2023, other intangible assets, net $ 7,712 $ 3,291 $ - $ 11,003 The aggregate amortization expense for other intangible assets for the three months ended March 31, 2024, and 2023, was $612 thousand and $659 thousand, respectively. As of March 31, 2024, the estimated aggregate amortization expense for future periods for intangibles is as follows (in thousands) Remainder of 2024 $ 1,813 2025 2,256 2026 2,086 2027 1,904 2028 1,139 Thereafter 1,194 Total $ 10,392

Borrowings, Line of Credit and

Borrowings, Line of Credit and Subordinated Debt	3 Months Ended
Borrowings, Line of Credit and Subordinated Debt	Mar. 31, 2024
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, 2024, total borrowings were $9.8 million compared to $13.1 million at December 31, 2023. Borrowings consist of the following (in thousands) March 31, December 31, 2024 2023 Securities sold under customer repurchase agreements $ 3,849 $ 5,078 Other borrowings 6,000 8,000 Total $ 9,849 $ 13,078 Securities Sold Under Agreements to Repurchase: Securities sold under repurchase agreements, which are secured borrowings, generally mature within one 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 $7.4 million and $7.6 million at March 31, 2024 and December 31, 2023, respectively. The average balance of repurchase agreements during the three-month period ended March 31, 2024, and 2023 was $4.8 million and $4.4 million, respectively. The maximum month-end outstanding balance for the three-month period ended March 31, 2024, and 2023 was $5.3 million and $4.2 million, respectively. Other Borrowings: The Company has a revolving line of credit for an aggregate amount of $35 million. The maturity of the line of credit is February 1, 2025. At March 31, 2024, $6.0 million was outstanding under the line of credit, and $29.0 million of the line of credit remained available to the Company. Subordinated Debt: On September 28, 2018, the Company issued $40 million of 5.625% fixed-to-floating rate subordinated notes (the "Notes"), which was outstanding as of September 30, 2023 and December 31, 2022. Unamortized debt issuance cost was $380 thousand and $401 thousand at March 31, 2024 and December 31, 2023, respectively. The Notes initially bears 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. On October 2, 2023, to but excluding the maturity date or early redemption date, the interest rate will, with the sunset of LIBOR, reset quarterly to an annual floating rate equal to three-month CME Term 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 $380 thousand at March 31, 2024, and will be amortized through the Notes’ maturity date. Amortization expense totaled $21 thousand for the three months ended March 31, 2024, and 2023, respectively. On September 1, 2021, the Company acquired $2.5 million of subordinated notes (“sub-debt”) from the acquisition of SCB. The sub-debt bears interest at a rate of 6.75% per annum until August 14, 2024, with the interest during this period payable semi-annually in arrears. From and including August 14, 2024, to but excluding the maturity date or early redemption date, the interest rate will reset quarterly to an annual floating rate equal to three-month LIBOR, or an alternative rate determined in accordance with the terms of the sub-debt if three-month LIBOR cannot be determined, plus 530.25 basis points, with interest during this period payable quarterly in arrears. In relation to the three-month LIBOR rate being no longer available in the future, the Company anticipates using the three-month term SOFR rate in future repricing. The sub-debt is redeemable by the Company, in whole or in part, on or after August 14, 2024, and at any time, in whole but not in part, upon the occurrence of certain events. The sub-debt has been structured to qualify initially as Tier 2 capital for the Company for regulatory capital purposes.

Employee Benefit Plans

Employee Benefit Plans	3 Months Ended
Employee Benefit Plans	Mar. 31, 2024
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, 2024, and 2023, was $500 thousand and $466 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, 2024, the Company had one active equity incentive plan available for future grants, the 2015 Stock Incentive Plan, which has 1,605,020 Rights available for future grants or awards. The Company’s 2015 Stock Incentive Plan has 11,840 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, 2023 16,340 $ 13.55 Granted — — Exercised (4,500) 9.60 Forfeited — — Outstanding at March 31, 2024 11,840 $ 15.05 Information pertaining to stock options outstanding at March 31, 2024, is as follows: Options Outstanding Options Exercisable Weighted- Average Weighted- Weighted- Remaining Average Average Exercise Number Contractual Exercise Number Exercise Prices Outstanding Life Price Exercisable Price $ 15.05 11,840 1.50 years $ 15.05 11,840 $ 15.05 Outstanding, end of period 11,840 1.50 years $ 15.05 11,840 $ 15.05 The Company did not recognize any stock option-based compensation expense during the three months ended March 31, 2024, and 2023, 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 Plans. Stock options of 4,500 and 15,705 shares were exercised during the three month periods ended March 31, 2024, and 2023, respectively. The income tax benefit recognized for the exercise of options during the three months ended March 31, 2024, and 2023, was $14 thousand and $65 thousand, respectively. The intrinsic value of options exercised during the three months ended March 31, 2024, and 2023, was $54 thousand and $242 thousand, respectively. The aggregate intrinsic value of total options outstanding and exercisable options at March 31, 2024, was $71 thousand. Cash received from options exercised under all share-based payment arrangements for the three months ended March 31, 2024, was $43 thousand. Restricted Stock Awards: A summary of the activity of the Company’s unvested restricted stock awards for the period ended March 31, 2024, is presented below: Weighted Average Grant-Date Number Fair Value Balance at December 31, 2023 171,770 $ 22.22 Granted 69,643 24.15 Vested (39,576) 21.28 Forfeited/expired (886) 26.53 Balance at March 31, 2024 200,951 $ 23.06 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, 2024, and 2023, was $518 thousand and $538 thousand, respectively. As of March 31, 2024, there was $2.5 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 2.47 years. The grant-date fair value of restricted stock awards vested was $842 thousand for the three months ended March 31, 2024. Stock Appreciation Rights (“SARs”): A summary of the status of SARs plans is presented in the following table: Weighted Average Number Exercisable Price Outstanding at December 31, 2023 20,000 $ 20.70 Granted — — Exercised — — Forfeited — — Outstanding at March 31, 2024 20,000 $ 20.70 Information pertaining to SARs outstanding at March 31, 2024, is as follows: SARs Outstanding SARs Exercisable Weighted- Average Weighted- Remaining Average Weighted- Average Exercise Number Contractual Exercise Number Exercise Prices Outstanding Life Price Exercisable Price $ 20.70 20,000 0.75 years $ 20.70 20,000 $ 20.70 Outstanding, end of period 20,000 0.75 years $ 20.70 20,000 $ 20.70 SARs compensation expense of ($56) thousand and ($95) thousand was recognized for the three month periods ended March 31, 2024, and 2023, respectively. The credit in expense for the three month periods ended March 31, 2024, and 2023, respectively, was due to adjustments related to the fair value evaluation of SARs.

Commitments and Contingencies

Commitments and Contingencies	3 Months Ended
Commitments and Contingencies	Mar. 31, 2024
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, 2024 2023 Commitments to extend credit $ 696,828 $ 716,951 Standby letters of credit 17,855 7,611 At March 31, 2024, and December 31, 2023, the allowance for credit losses for these off-balance sheet commitments was $2.0 million and $2.4 million, respectively. The expense (credit) related to the allowance for credit losses for off-balance sheet commitments during the three months ended March 31, 2024, and 2023, was ($362) thousand and $75 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, 2024 and December 31, 2023, 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

Fair Value Disclosures	3 Months Ended
Fair Value Disclosures	Mar. 31, 2024
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 Level 2 – Level 3 – 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 Derivative financial instruments and interest rate swap agreements 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, 2024: Assets: Securities available-for-sale: U.S. Treasury $ 75,275 $ — $ 75,275 $ — U.S. Government-sponsored enterprises (GSEs) 48,949 — 48,949 — Municipal securities 18,018 — 18,018 — Other debt securities 35,939 — 35,939 — Mortgage-backed securities (GSEs) 296,166 — 296,166 — Total securities available-for-sale 474,347 — 474,347 — Derivative financial instruments and interest rate swap agreements 12,949 — 12,949 — Total assets at fair value $ 487,296 $ — $ 487,296 $ — Liabilities: Derivative financial instruments and interest rate swap agreements $ 13,907 $ — $ 13,907 $ — December 31, 2023: Assets: Securities available-for-sale: U.S. Treasury $ 76,033 $ — $ 76,033 $ — U.S. Government-sponsored enterprises (GSEs) 48,093 — 48,093 — Municipal securities 18,276 — 18,276 — Other debt securities 33,069 — 33,069 — Mortgage-backed securities (GSEs) 232,939 — 232,939 — Total securities available-for-sale 408,410 — 408,410 — Derivative financial instruments and interest rate swap agreements 12,821 — 12,821 — Total assets at fair value $ 421,231 $ — $ 421,231 $ — Liabilities: Derivative financial instruments and interest rate swap agreements $ 14,807 $ — $ 14,807 $ — During the three months ending March 31, 2024 and twelve months ended December 31, 2023, there were no transfers between Level 1 and Level 2 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, 2024: Collateral dependent loans $ 653 $ — $ — $ 653 Other real estate owned 179 — — 179 December 31, 2023: Collateral dependent loans $ 1,295 $ — $ — $ 1,295 Other real estate owned 279 — — 279 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, 2024: Collateral dependent loans $ 653 Appraisal Appraisal discounts 79 % Other real estate owned 179 Appraisal Appraisal discounts 35 % December 31, 2023: Collateral dependent loans $ 1,295 Appraisal Appraisal discounts 73 % Other real estate owned 279 Appraisal Appraisal discounts 33 % Collateral dependent loans: Other real estate owned: 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, 2024: Assets: Cash and cash equivalents $ 477,941 $ 477,941 $ — $ — $ 477,941 Securities available-for-sale 474,347 — 474,347 — 474,347 Securities held-to-maturity 180,169 — 161,213 — 161,213 Other investments 13,718 N/A N/A N/A N/A Loans and leases, net and loans held for sale 3,448,213 — — 3,295,376 3,295,376 Derivative financial instruments and interest rate swap agreements 12,949 — 12,949 — 12,949 Liabilities: Noninterest-bearing demand deposits 907,254 — 907,254 — 907,254 Interest-bearing demand deposits 996,298 — 996,298 — 996,298 Money market and savings deposits 1,952,410 — 1,952,410 — 1,952,410 Time deposits 538,159 — 534,548 — 534,548 Borrowings 9,849 — 9,849 — 9,849 Subordinated debt 42,120 — — 39,903 39,903 Derivative financial instruments and interest rate swap agreements 13,907 — 13,907 — 13,907 December 31, 2023: Assets: Cash and cash equivalents $ 352,271 $ 352,271 $ — $ — $ 352,271 Securities available-for-sale 408,410 — 408,410 — 408,410 Securities held-to-maturity 281,236 — 262,538 262,538 Other investments 13,662 N/A N/A N/A N/A Loans and leases, net and loans held for sale 3,413,814 — — 3,308,980 3,308,980 Derivative financial instruments and interest rate swap agreements 12,821 — 12,821 — 12,821 Liabilities: Noninterest-bearing demand deposits 898,044 — 898,044 — 898,044 Interest-bearing demand deposits 1,006,915 — 1,006,915 — 1,006,915 Money market and savings deposits 1,812,427 — 1,812,427 — 1,812,427 Time deposits 550,468 — 548,397 — 548,397 Borrowings 13,078 — 13,078 — 13,078 Subordinated debt 42,099 — — 39,822 39,822 Derivative financial instruments and interest rate swap agreements 14,807 — 14,807 — 14,807 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.

Derivatives Financial Instrumen

Derivatives Financial Instruments	3 Months Ended
Derivatives Financial Instruments	Mar. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivatives Financial Instruments	Note 10. 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, 2024: Interest rate swap agreements - securities Other assets 3.38 4.24 % SOFR Overnight $ 26,457 $ 91 Interest rate swap agreements - securities Other liabilities 1.96 4.28 % SOFR Overnight $ 22,050 $ (100) December 31, 2023: Interest rate swap agreements - securities Other liabilities 3.40 4.25 % SOFR Overnight $ 27,050 $ (536) The effects of the Company’s fair value hedge relationships reported in interest income on taxable AFS securities on the consolidated income statement were as follows (in thousands) Three Months Ended Three Months Ended March 31, March 31, 2024 2023 Interest income on taxable AFS securities $ 4,442 $ 3,651 Effects of fair value hedge relationships 106 — Reported interest income on taxable AFS securities $ 4,548 $ 3,651 Three Months Ended Three Months Ended March 31, March 31, Gain (loss) on fair value hedging relationship 2024 2023 Interest rate swap agreements - securities: Hedged items $ (9) $ — Derivative designated as hedging instruments 9 — Carry amount of hedged assets - mortgage backed securities 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) At March 31, 2024 and December 31, 2023, cash flow hedges are as follows (in thousands) March 31, 2024 December 31, 2023 Balance Sheet Notional Estimated Balance Sheet Notional Estimated Location Amount Fair Value Location Amount Fair Value Cash flow hedges: Assets Other liabilities $ 100,000 $ (1,121) Other liabilities $ 100,000 $ (556) Liabilities Other assets 150,000 207 Other liabilities 150,000 (881) Liabilities Other liabilities 25,000 (18) Other assets 25,000 7 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, 2024 Interest rate swaps - Assets $ (1,121) Interest income $ (204) Interest rate swaps - Liabilities 189 Interest expense (242) Three Months Ended March 31, 2023 Interest rate swaps - Assets $ (581) Interest income $ (6) Interest rate swaps - Liabilities — Interest expense — 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, 2024 2023 Total interest income $ 59,987 $ 53,184 Effects of cash flow hedge relationships (204) (6) Reported total interest income $ 59,783 $ 53,178 Total interest expense $ 28,304 $ 17,196 Effects of cash flow hedge relationships (242) — Reported total interest expense $ 28,062 $ 17,196 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 At March 31, 2024 and December 31, 2023, interest rate swaps related to the Company’s loan hedging program that were outstanding are presented in the following table (in thousands) March 31, 2024 December 31, 2023 Notional Estimated Notional Estimated Amount Fair Value Amount Fair Value Interest rate swap agreements: Assets $ 289,187 $ 12,651 $ 294,133 $ 12,813 Liabilities 289,187 (12,651) 294,133 (12,813) 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) : Three Months Ended March 31, 2024 2023 Interest rate swap agreements $ 113 $ 338 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, 2024, collateral totaling $670 thousand and $390 thousand at December 31, 2023, was pledged to the derivative counterparties to comply with collateral requirements.

Leases

Leases	3 Months Ended
Leases	Mar. 31, 2024
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. The Company follows the guidance of ASU Topic 842. 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 2035. All of our leases are classified as operating leases. 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) March 31, December 31, Classification 2024 2023 Assets: Operating lease right-of-use assets Other assets $ 9,681 $ 9,894 Liabilities: Operating lease liabilities Other liabilities $ 10,119 $ 10,303 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 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, 2024, the weighted average remaining lease term was 8.78 years and the weighted average discount rate was 2.88%. 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, 2024 2023 Lease costs: Operating lease costs $ 451 $ 404 Variable lease costs 30 23 Total $ 481 $ 427 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 421 $ 379 Future minimum payments for operating leases with initial or remaining terms of one year or more as of March 31, 2024, were as follows (in thousands) Amounts Remainder of 2024 $ 1,198 2025 1,407 2026 1,334 2027 1,149 2028 1,144 Thereafter 5,371 Total future minimum lease payments 11,603 Amounts representing interest (1,484) Present value of net future minimum lease payments $ 10,119

Regulatory Matters

Regulatory Matters	3 Months Ended
Regulatory Matters	Mar. 31, 2024
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 new 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, 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, 2024, the Company and the Bank exceeded the minimum regulatory requirements and exceeded the threshold for the “well capitalized” regulatory classification. In December 2018, 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 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, 2024, the Bank paid $5 million in dividends to the Company, and the Company 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, 2024, and December 31, 2023 are presented below (dollars in thousands) Minimum to be well capitalized under Minimum for prompt capital corrective action Actual adequacy purposes provisions 1 Amount Ratio Amount Ratio Amount Ratio March 31, 2024 SmartFinancial: Total Capital (to Risk Weighted Assets) $ 456,659 11.85 % $ 308,231 8.00 % N/A N/A Tier 1 Capital (to Risk Weighted Assets) 393,088 10.20 % 231,173 6.00 % N/A N/A Common Equity Tier 1 Capital (to Risk Weighted Assets) 393,088 10.20 % 173,380 4.50 % N/A N/A Tier 1 Capital (to Average Assets) 2 393,088 8.23 % 191,043 4.00 % N/A N/A SmartBank: Total Capital (to Risk Weighted Assets) $ 462,143 12.00 % $ 307,991 8.00 % $ 384,989 10.00 % Tier 1 Capital (to Risk Weighted Assets) 432,268 11.23 % 230,993 6.00 % 307,991 8.00 % Common Equity Tier 1 Capital (to Risk Weighted Assets) 432,268 11.23 % 173,245 4.50 % 250,243 6.50 % Tier 1 Capital (to Average Assets) 2 432,268 9.07 % 190,725 4.00 % 238,406 5.00 % December 31, 2023 SmartFinancial: Total Capital (to Risk Weighted Assets) $ 448,050 11.80 % $ 303,658 8.00 % N/A N/A Tier 1 Capital (to Risk Weighted Assets) 385,795 10.16 % 227,744 6.00 % N/A N/A Common Equity Tier 1 Capital (to Risk Weighted Assets) 385,795 10.16 % 170,808 4.50 % N/A N/A Tier 1 Capital (to Average Assets) 385,795 8.27 % 186,672 4.00 % N/A N/A SmartBank: Total Capital (to Risk Weighted Assets) $ 456,134 12.02 % $ 303,680 8.00 % $ 379,600 10.00 % Tier 1 Capital (to Risk Weighted Assets) 427,559 11.26 % 227,760 6.00 % 303,680 8.00 % Common Equity Tier 1 Capital (to Risk Weighted Assets) 427,559 11.26 % 170,820 4.50 % 246,740 6.50 % Tier 1 Capital (to Average Assets) 427,559 9.18 % 186,363 4.00 % 232,954 5.00 % 1 2

Other comprehensive income (los

Other comprehensive income (loss)	3 Months Ended
Other comprehensive income (loss)	Mar. 31, 2024
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, 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) Three Months Ended March 31, 2023 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, 2022 $ (33,616) $ (742) $ — $ (966) $ (35,324) Other comprehensive income (loss) 6,138 — — 536 6,674 Reclassification of amounts included in net income — 30 — — 30 Net other comprehensive income (loss) during period 6,138 30 — 536 6,704 Ending balance, March 31, 2023 $ (27,478) $ (712) $ — $ (430) $ (28,620)

Presentation of Financial Inf_2

Presentation of Financial Information (Policies)	3 Months Ended
Presentation of Financial Information (Policies)	Mar. 31, 2024
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 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, 2023.
Recently Issued and Adopted Accounting Pronouncements And Recently Issued Not Yet Effective Accounting Pronouncements	In June 2022, the FASB issued ASU 2022-03, Fair Value Measurement (Topic 820): Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions , which clarifies that a contractual sale restriction should not be considered in measuring fair value. It also requires entities with investments in equity securities subject to contractual sale restrictions to disclose certain qualitative and quantitative information about such securities. The guidance is effective for public companies for fiscal years beginning after December 15, 2023. All other entities have an extra year to adopt; early adoption is permitted. ASU 2022-03 did not have an impact on the Company’s Consolidated Financial Statements. In March 2023, the FASB issued ASU 2023-01, “Leases (Topic 842): Common Control Arrangements.” ASU 2023-01 requires entities to amortize leasehold improvements associated with common control leases over the useful life to the common control group. ASU 2023-01 also provides certain practical expedients applicable to private companies and not-for-profit organizations. The guidance is effective for fiscal years beginning after December 15, 2023. ASU 2023-01 did not have an impact on the Company’s Consolidated Financial Statements. In March 2023, the FASB issued ASU No. 2023-02, “Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method.” ASU 2023-02 is intended to improve the accounting and disclosures for investments in tax credit structures. ASU 2023-02 allows entities to elect to account for qualifying tax equity investments using the proportional amortization method, regardless of the program giving rise to the related income tax credits. Previously, this method was only available for qualifying tax equity investments in low-income housing tax credit structures. The guidance is effective for fiscal years beginning after December 15, 2023. ASU 2023-02 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, 2023, as filed in its Annual Report on Form 10-K with the Securities and Exchange Commission ("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 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. The Company is accessing ASU 2023-07, and its adoption is not expected to have a significant impact on our Consolidated Financial Statements. In December 2023, FASB issued ASU No. 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures.”
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)

Earnings Per Share (Tables)	3 Months Ended
Earnings Per Share (Tables)	Mar. 31, 2024
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	Three Months Ended March 31, 2024 2023 Basic earnings per share computation: Net income available to common shareholders $ 9,358 $ 11,500 Average common shares outstanding – basic 16,849,735 16,791,406 Basic earnings per share $ 0.56 $ 0.69 Diluted earnings per share computation: Net income available to common shareholders $ 9,358 $ 11,500 Average common shares outstanding – basic 16,849,735 16,791,406 Incremental shares from assumed conversions: Stock options and restricted stock 75,673 105,088 Average common shares outstanding - diluted 16,925,408 16,896,494 Diluted earnings per common share $ 0.55 $ 0.68

Securities (Tables)

Securities (Tables)	3 Months Ended
Securities (Tables)	Mar. 31, 2024
Securities [Abstract]
Schedule of Available-for-sale Securities Reconciliation	March 31, 2024 Gross Gross Amortized Unrealized Unrealized Fair Available-for-sale: Cost Gains Losses Value U.S. Treasury $ 84,065 $ — $ (8,790) $ 75,275 U.S. Government-sponsored enterprises (GSEs) 48,393 725 (169) 48,949 Municipal securities 18,407 98 (487) 18,018 Other debt securities 39,321 164 (3,546) 35,939 Mortgage-backed securities (GSEs) 319,389 699 (23,922) 296,166 Total $ 509,575 $ 1,686 $ (36,914) $ 474,347 December 31, 2023 Gross Gross Amortized Unrealized Unrealized Fair Available-for-sale: Cost Gains Losses Value U.S. Treasury $ 84,307 $ — $ (8,274) $ 76,033 U.S. Government-sponsored enterprises (GSEs) 46,983 1,256 (146) 48,093 Municipal securities 18,616 135 (475) 18,276 Other debt securities 36,863 93 (3,887) 33,069 Mortgage-backed securities (GSEs) 254,288 588 (21,937) 232,939 Total $ 441,057 $ 2,072 $ (34,719) $ 408,410
Schedule of Held-to-maturity Securities Reconciliation	March 31, 2024 Gross Gross Amortized Unrealized Unrealized Fair Held-to-maturity: Cost Gains Losses Value U.S. Treasury $ 50,030 $ — $ (227) $ 49,803 U.S. Government-sponsored enterprises (GSEs) 49,032 — (7,897) 41,135 Municipal securities 52,423 — (6,582) 45,841 Mortgage-backed securities (GSEs) 28,684 — (4,250) 24,434 Total $ 180,169 $ — $ (18,956) $ 161,213 December 31, 2023 Gross Gross Amortized Unrealized Unrealized Fair Held-to-maturity: Cost Gains Losses Value U.S. Treasury $ 150,066 $ — $ (1,482) $ 148,584 U.S. Government-sponsored enterprises (GSEs) 49,336 — (7,143) 42,193 Municipal securities 52,680 — (6,178) 46,502 Mortgage-backed securities (GSEs) 29,154 — (3,895) 25,259 Total $ 281,236 $ — $ (18,698) $ 262,538
Investments Classified by Contractual Maturity Date	The amortized cost and estimated fair value of securities at March 31, 2024, by contractual maturity for non-mortgage backed securities are shown below (in thousands) March 31, 2024 Amortized Fair Available-for-sale: Cost Value Due in one year or less $ 1,280 $ 1,274 Due from one year to five years 88,430 79,446 Due from five years to ten years 87,487 84,734 Due after ten years 12,989 12,727 190,186 178,181 Mortgage-backed securities 319,389 296,166 Total $ 509,575 $ 474,347 Held-to-maturity: Due in one year or less $ 50,030 $ 49,802 Due from one year to five years 745 701 Due from five years to ten years 47,201 40,121 Due after ten years 53,509 46,155 151,485 136,779 Mortgage-backed securities 28,684 24,434 Total $ 180,169 $ 161,213
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, 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 $ — $ — — $ 75,276 $ (8,790) 9 $ 75,276 $ (8,790) 9 U.S. Government-sponsored enterprises (GSEs) 9,906 (141) 3 6,532 (28) 5 16,438 (169) 8 Municipal securities 2,156 (11) 5 12,565 (476) 19 14,721 (487) 24 Other debt securities 2,408 (41) 2 29,415 (3,505) 26 31,823 (3,546) 28 Mortgage-backed securities (GSEs) 63,256 (831) 21 177,765 (23,091) 87 241,021 (23,922) 108 Total $ 77,726 $ (1,024) 31 $ 301,553 $ (35,890) 146 $ 379,279 $ (36,914) 177 March 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. Treasury $ — $ — — $ 49,802 $ (227) 2 $ 49,802 $ (227) 2 U.S. Government-sponsored enterprises (GSEs) — — — 41,135 (7,897) 13 41,135 (7,897) 13 Municipal securities — — — 45,840 (6,582) 35 45,840 (6,582) 35 Mortgage-backed securities (GSEs) — — — 24,434 (4,250) 5 24,434 (4,250) 5 Total $ — $ — — $ 161,211 $ (18,956) 55 $ 161,211 $ (18,956) 55 December 31, 2023 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 $ — $ — — $ 76,033 $ (8,274) 9 $ 76,033 $ (8,274) 9 U.S. Government-sponsored enterprises (GSEs) 9,743 (137) 3 1,482 (9) 3 11,225 (146) 6 Municipal securities 2,786 (2) 2 9,849 (473) 17 12,635 (475) 19 Other debt securities 2,986 (17) 2 29,057 (3,870) 26 32,043 (3,887) 28 Mortgage-backed securities (GSEs) 16,401 (229) 8 176,351 (21,708) 88 192,752 (21,937) 96 Total $ 31,916 $ (385) 15 $ 292,772 $ (34,334) 143 $ 324,688 $ (34,719) 158 December 31, 2023 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. Treasury $ — $ — — $ 148,584 $ (1,482) 4 $ 148,584 $ (1,482) 4 U.S. Government-sponsored enterprises (GSEs) — — — 42,194 (7,143) 13 42,194 (7,143) 13 Municipal securities — — — 46,500 (6,178) 35 46,500 (6,178) 35 Mortgage-backed securities (GSEs) — — — 25,258 (3,895) 5 25,258 (3,895) 5 Total $ — $ — — $ 262,536 $ (18,698) 57 $ 262,536 $ (18,698) 57
Schedule of Other Investments	The following is the amortized cost and carrying value of other investments (in thousands) March 31, December 31, 2024 2023 Federal Reserve Bank stock $ 9,532 $ 9,526 Federal Home Loan Bank stock 3,836 3,786 First National Bankers Bank stock 350 350 Total $ 13,718 $ 13,662

Loans and Leases and Allowanc_2

Loans and Leases and Allowance for Credit Losses (Tables)	3 Months Ended
Loans and Leases and Allowance for Credit Losses (Tables)	Mar. 31, 2024
Receivables [Abstract]
Schedule of Loans	Major categories of loans and leases are summarized as follows (in thousands) March 31, December 31, 2024 2023 Commercial real estate $ 1,743,205 $ 1,739,205 Consumer real estate 659,209 649,867 Construction and land development 321,860 327,185 Commercial and industrial 667,903 645,918 Leases 71,909 68,752 Consumer and other 13,469 13,535 Total loans and leases 3,477,555 3,444,462 Less: Allowance for credit losses (34,203) (35,066) Loans and leases, net $ 3,443,352 $ 3,409,396
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, 2024 Consumer Construction Commercial Commercial Real and Land and Consumer Real Estate Estate Development Industrial Leases and Other Total Beginning balance $ 15,264 $ 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 (1) (423) 25 271 (108) 94 63 (78) Ending balance $ 14,843 $ 7,246 $ 4,704 $ 6,641 $ 657 $ 112 $ 34,203 Three Months Ended March 31, 2023 Consumer Construction Commercial Commercial Real and Land and Consumer Real Estate Estate Development Industrial Leases and Other Total Beginning balance $ 10,821 $ 4,028 $ 3,059 $ 3,997 $ 1,293 $ 136 $ 23,334 Impact of adopting ASU 2016-13 879 1,952 2,145 1,451 (683) 13 5,757 PCD gross up 2,652 166 25 27 28 — 2,898 Charged-off loans and leases — — — (173) (9) (133) (315) Recoveries of charge-offs 2 5 — 20 — 28 55 Provision charged to expense 174 260 (10) 37 8 81 550 Ending balance $ 14,528 $ 6,411 $ 5,219 $ 5,359 $ 637 $ 125 $ 32,279 (1) In the provision charged to expense there was a release of $362 thousand 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 (in thousands) March 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 Pass $ 26,854 $ 272,348 $ 570,319 $ 420,101 $ 175,214 $ 232,580 $ 15,370 $ - $ 1,712,786 Watch - 4,609 1,266 1,930 2,661 10,755 559 - 21,780 Special mention - - 3,195 - - - - - 3,195 Substandard - 881 - 3,362 308 893 - - 5,444 Doubtful - - - - - - - - - Total commercial real estate 26,854 277,838 574,780 425,393 178,183 244,228 15,929 - 1,743,205 YTD gross charge-offs - - - - - - - - - Consumer real estate Pass 20,868 123,370 170,452 95,970 52,595 77,419 110,895 818 652,387 Watch - 255 - 704 115 97 1,548 - 2,719 Special mention - - - - - 52 - - 52 Substandard - 194 - 176 253 3,321 107 - 4,051 Doubtful - - - - - - - - - Total consumer real estate 20,868 123,819 170,452 96,850 52,963 80,889 112,550 818 659,209 YTD gross charge-offs - - - - - (107) - - (107) Construction and land development Pass 44,621 91,788 112,195 16,914 2,349 11,541 33,024 243 312,675 Watch 3 5,600 2,889 221 - - - - 8,713 Special mention - 438 - - - - - - 438 Substandard - - - 34 - - - - 34 Doubtful - - - - - - - - - Total construction and land development 44,624 97,826 115,084 17,169 2,349 11,541 33,024 243 321,860 YTD gross charge-offs - - - - (441) - - - (441) Commercial and industrial Pass 21,783 163,348 156,287 56,170 21,534 32,713 210,622 613 663,070 Watch - 158 14 2,905 - - 519 35 3,631 Special mention - - - - - - - - - Substandard - 183 614 200 129 76 - - 1,202 Doubtful - - - - - - - - - Total commercial and industrial 21,783 163,689 156,915 59,275 21,663 32,789 211,141 648 667,903 YTD gross charge-offs - (85) (116) - - - - - (201) Leases Pass 11,038 26,324 24,078 7,176 2,553 740 - - 71,909 Watch - - - - - - - - - Special mention - - - - - - - - - Substandard - - - - - - - - - Doubtful - - - - - - - - - Total leases 11,038 26,324 24,078 7,176 2,553 740 - - 71,909 YTD gross charge-offs - (77) - - - - - - (77) Consumer and other Pass 1,653 4,682 1,602 715 358 392 4,058 - 13,460 Watch - - - - - 9 - - 9 Special mention - - - - - - - - - Substandard - - - - - - - - - Doubtful - - - - - - - - - Total consumer and other 1,653 4,682 1,602 715 358 401 4,058 - 13,469 YTD gross charge-offs - (39) (22) (9) (7) (17) - - (94) Total loans Pass 126,817 681,860 1,034,933 597,046 254,603 355,385 373,969 1,674 3,426,287 Watch 3 10,622 4,169 5,760 2,776 10,861 2,626 35 36,852 Special mention - 438 3,195 - - 52 - - 3,685 Substandard - 1,258 614 3,772 690 4,290 107 - 10,731 Doubtful - - - - - - - - - Total loans $ 126,820 $ 694,178 $ 1,042,911 $ 606,578 $ 258,069 $ 370,588 $ 376,702 $ 1,709 $ 3,477,555 Total YTD gross charge-offs $ - $ (201) $ (138) $ (9) $ (448) $ (124) $ - $ - $ (920)
Past Due Loans and Leases	The following tables present an aging analysis of our loan and lease portfolio (in thousands) March 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 $ 143 $ 51 $ 1,068 $ 1,262 $ 1,741,943 $ 1,743,205 Consumer real estate 721 777 492 1,990 657,219 659,209 Construction and land development — 23 — 23 321,837 321,860 Commercial and industrial 1,817 92 1,843 3,752 664,151 667,903 Leases 881 340 — 1,221 70,688 71,909 Consumer and other 65 23 22 110 13,359 13,469 Total $ 3,627 $ 1,306 $ 3,425 $ 8,358 $ 3,469,197 $ 3,477,555 December 31, 2023 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 $ 52 $ 270 $ 1,660 $ 1,982 $ 1,737,223 1,739,205 Consumer real estate 2,216 1,347 561 4,124 645,743 649,867 Construction and land development 631 — 620 1,251 325,934 327,185 Commercial and industrial 956 330 2,286 3,572 642,346 645,918 Leases 1,208 132 212 1,552 67,200 68,752 Consumer and other 80 9 98 187 13,348 13,535 Total $ 5,143 $ 2,088 $ 5,437 $ 12,668 $ 3,431,794 $ 3,444,462
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, 2024 and December 31, 2023. Also presented is the balance of loans on nonaccrual status at March 31, 2024 for which there was no related allowance for credit losses recorded (in thousands) : March 31, 2024 December 31, 2023 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 $ 1,752 $ 802 $ — $ 2,044 $ 1,352 $ — Consumer real estate 2,466 1,503 — 2,647 1,562 — Construction and land development — — — 620 — — Commercial and industrial 1,953 160 73 2,480 160 — Leases — — — 140 — 72 Consumer and other — — 22 — — 98 Total $ 6,171 $ 2,465 $ 95 $ 7,931 $ 3,074 $ 170
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, 2024 Real Estate Other Total Commercial real estate $ 4,412 $ — $ 4,412 Consumer real estate 2,445 — 2,445 Construction and land development — — — Commercial and industrial — 1,018 1,018 Leases — — — Consumer and other — — — Total $ 6,857 $ 1,018 $ 7,875 December 31, 2023 Real Estate Other Total Commercial real estate $ 5,155 $ — $ 5,155 Consumer real estate 2,756 — 2,756 Construction and land development 1,411 — 1,411 Commercial and industrial — 1,018 1,018 Leases — — — Consumer and other — — — Total $ 9,322 $ 1,018 $ 10,340
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, 2024 Delay Extension Extension Total Commercial real estate $ — $ 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, 2024 (dollars in thousands) Weighted-Average Term Extension Three Months Ended March 31, 2024 (in months) Commercial real estate 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, 2024 90 Days 30-89 Days or More Current Past Due Past Due Nonaccrual Total Commercial real estate $ 741 $ — $ — $ 378 $ 1,119 Consumer real estate 2,339 50 — 100 2,489 Construction and land development 682 — — — 682 Commercial and industrial — — — 129 129 Leases — — — — — Consumer and other — — — — — Total $ 3,762 $ 50 $ — $ 607 $ 4,419

Goodwill and Intangible Assets

Goodwill and Intangible Assets (Tables)	3 Months Ended
Goodwill and Intangible Assets (Tables)	Mar. 31, 2024
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 Tradename Amortized other intangible assets: Intangibles Intangibles Intangibles Total March 31, 2024: Beginning balance January 1, 2024, gross $ 17,470 $ 5,670 $ 63 $ 23,203 Less: accumulated amortization (10,183) (2,565) (63) (12,811) Balance, March 31, 2024, other intangible assets, net $ 7,287 $ 3,105 $ - $ 10,392 December 31, 2023: Beginning balance January 1, 2023, gross $ 17,470 $ 5,670 $ 63 $ 23,203 Less: accumulated amortization (9,758) (2,379) (63) (12,200) Balance, December 31, 2023, other intangible assets, net $ 7,712 $ 3,291 $ - $ 11,003
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense	As of March 31, 2024, the estimated aggregate amortization expense for future periods for intangibles is as follows (in thousands) Remainder of 2024 $ 1,813 2025 2,256 2026 2,086 2027 1,904 2028 1,139 Thereafter 1,194 Total $ 10,392

Borrowings, Line of Credit an_2

Borrowings, Line of Credit and Subordinated Debt (Tables)	3 Months Ended
Borrowings, Line of Credit and Subordinated Debt (Tables)	Mar. 31, 2024
Borrowings, Line of Credit and Subordinated Debt [Abstract]
Schedule of debt	March 31, December 31, 2024 2023 Securities sold under customer repurchase agreements $ 3,849 $ 5,078 Other borrowings 6,000 8,000 Total $ 9,849 $ 13,078

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	3 Months Ended
Employee Benefit Plans (Tables)	Mar. 31, 2024
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, 2023 16,340 $ 13.55 Granted — — Exercised (4,500) 9.60 Forfeited — — Outstanding at March 31, 2024 11,840 $ 15.05
Schedule of Options Outstanding by Exercise Price Range	Options Outstanding Options Exercisable Weighted- Average Weighted- Weighted- Remaining Average Average Exercise Number Contractual Exercise Number Exercise Prices Outstanding Life Price Exercisable Price $ 15.05 11,840 1.50 years $ 15.05 11,840 $ 15.05 Outstanding, end of period 11,840 1.50 years $ 15.05 11,840 $ 15.05
Schedule of Non-vested Restricted Stock Awards	Weighted Average Grant-Date Number Fair Value Balance at December 31, 2023 171,770 $ 22.22 Granted 69,643 24.15 Vested (39,576) 21.28 Forfeited/expired (886) 26.53 Balance at March 31, 2024 200,951 $ 23.06
Share-based Payment Arrangement, Stock Appreciation Right, Activity	Weighted Average Number Exercisable Price Outstanding at December 31, 2023 20,000 $ 20.70 Granted — — Exercised — — Forfeited — — Outstanding at March 31, 2024 20,000 $ 20.70 SARs Outstanding SARs Exercisable Weighted- Average Weighted- Remaining Average Weighted- Average Exercise Number Contractual Exercise Number Exercise Prices Outstanding Life Price Exercisable Price $ 20.70 20,000 0.75 years $ 20.70 20,000 $ 20.70 Outstanding, end of period 20,000 0.75 years $ 20.70 20,000 $ 20.70

Commitments and Contingencies (

Commitments and Contingencies (Tables)	3 Months Ended
Commitments and Contingencies (Tables)	Mar. 31, 2024
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, 2024 2023 Commitments to extend credit $ 696,828 $ 716,951 Standby letters of credit 17,855 7,611

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	3 Months Ended
Fair Value Disclosures (Tables)	Mar. 31, 2024
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, 2024: Assets: Securities available-for-sale: U.S. Treasury $ 75,275 $ — $ 75,275 $ — U.S. Government-sponsored enterprises (GSEs) 48,949 — 48,949 — Municipal securities 18,018 — 18,018 — Other debt securities 35,939 — 35,939 — Mortgage-backed securities (GSEs) 296,166 — 296,166 — Total securities available-for-sale 474,347 — 474,347 — Derivative financial instruments and interest rate swap agreements 12,949 — 12,949 — Total assets at fair value $ 487,296 $ — $ 487,296 $ — Liabilities: Derivative financial instruments and interest rate swap agreements $ 13,907 $ — $ 13,907 $ — December 31, 2023: Assets: Securities available-for-sale: U.S. Treasury $ 76,033 $ — $ 76,033 $ — U.S. Government-sponsored enterprises (GSEs) 48,093 — 48,093 — Municipal securities 18,276 — 18,276 — Other debt securities 33,069 — 33,069 — Mortgage-backed securities (GSEs) 232,939 — 232,939 — Total securities available-for-sale 408,410 — 408,410 — Derivative financial instruments and interest rate swap agreements 12,821 — 12,821 — Total assets at fair value $ 421,231 $ — $ 421,231 $ — Liabilities: Derivative financial instruments and interest rate swap agreements $ 14,807 $ — $ 14,807 $ —
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, 2024: Collateral dependent loans $ 653 $ — $ — $ 653 Other real estate owned 179 — — 179 December 31, 2023: Collateral dependent loans $ 1,295 $ — $ — $ 1,295 Other real estate owned 279 — — 279
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, 2024: Collateral dependent loans $ 653 Appraisal Appraisal discounts 79 % Other real estate owned 179 Appraisal Appraisal discounts 35 % December 31, 2023: Collateral dependent loans $ 1,295 Appraisal Appraisal discounts 73 % Other real estate owned 279 Appraisal Appraisal discounts 33 %
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, 2024: Assets: Cash and cash equivalents $ 477,941 $ 477,941 $ — $ — $ 477,941 Securities available-for-sale 474,347 — 474,347 — 474,347 Securities held-to-maturity 180,169 — 161,213 — 161,213 Other investments 13,718 N/A N/A N/A N/A Loans and leases, net and loans held for sale 3,448,213 — — 3,295,376 3,295,376 Derivative financial instruments and interest rate swap agreements 12,949 — 12,949 — 12,949 Liabilities: Noninterest-bearing demand deposits 907,254 — 907,254 — 907,254 Interest-bearing demand deposits 996,298 — 996,298 — 996,298 Money market and savings deposits 1,952,410 — 1,952,410 — 1,952,410 Time deposits 538,159 — 534,548 — 534,548 Borrowings 9,849 — 9,849 — 9,849 Subordinated debt 42,120 — — 39,903 39,903 Derivative financial instruments and interest rate swap agreements 13,907 — 13,907 — 13,907 December 31, 2023: Assets: Cash and cash equivalents $ 352,271 $ 352,271 $ — $ — $ 352,271 Securities available-for-sale 408,410 — 408,410 — 408,410 Securities held-to-maturity 281,236 — 262,538 262,538 Other investments 13,662 N/A N/A N/A N/A Loans and leases, net and loans held for sale 3,413,814 — — 3,308,980 3,308,980 Derivative financial instruments and interest rate swap agreements 12,821 — 12,821 — 12,821 Liabilities: Noninterest-bearing demand deposits 898,044 — 898,044 — 898,044 Interest-bearing demand deposits 1,006,915 — 1,006,915 — 1,006,915 Money market and savings deposits 1,812,427 — 1,812,427 — 1,812,427 Time deposits 550,468 — 548,397 — 548,397 Borrowings 13,078 — 13,078 — 13,078 Subordinated debt 42,099 — — 39,822 39,822 Derivative financial instruments and interest rate swap agreements 14,807 — 14,807 — 14,807

Derivatives Financial Instrum_2

Derivatives Financial Instruments (Tables)	3 Months Ended
Derivatives Financial Instruments (Tables)	Mar. 31, 2024
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, 2024 2023 Total interest income $ 59,987 $ 53,184 Effects of cash flow hedge relationships (204) (6) Reported total interest income $ 59,783 $ 53,178 Total interest expense $ 28,304 $ 17,196 Effects of cash flow hedge relationships (242) — Reported total interest expense $ 28,062 $ 17,196
Schedule of interest rate swaps related to loan hedging program	At March 31, 2024 and December 31, 2023, interest rate swaps related to the Company’s loan hedging program that were outstanding are presented in the following table (in thousands) March 31, 2024 December 31, 2023 Notional Estimated Notional Estimated Amount Fair Value Amount Fair Value Interest rate swap agreements: Assets $ 289,187 $ 12,651 $ 294,133 $ 12,813 Liabilities 289,187 (12,651) 294,133 (12,813)
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) : Three Months Ended March 31, 2024 2023 Interest rate swap agreements $ 113 $ 338
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, 2024: Interest rate swap agreements - securities Other assets 3.38 4.24 % SOFR Overnight $ 26,457 $ 91 Interest rate swap agreements - securities Other liabilities 1.96 4.28 % SOFR Overnight $ 22,050 $ (100) December 31, 2023: Interest rate swap agreements - securities Other liabilities 3.40 4.25 % SOFR Overnight $ 27,050 $ (536) The effects of the Company’s fair value hedge relationships reported in interest income on taxable AFS securities on the consolidated income statement were as follows (in thousands) Three Months Ended Three Months Ended March 31, March 31, 2024 2023 Interest income on taxable AFS securities $ 4,442 $ 3,651 Effects of fair value hedge relationships 106 — Reported interest income on taxable AFS securities $ 4,548 $ 3,651 Three Months Ended Three Months Ended March 31, March 31, Gain (loss) on fair value hedging relationship 2024 2023 Interest rate swap agreements - securities: Hedged items $ (9) $ — Derivative designated as hedging instruments 9 — Carry amount of hedged assets - mortgage backed securities 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, 2024 and December 31, 2023, cash flow hedges are as follows (in thousands) March 31, 2024 December 31, 2023 Balance Sheet Notional Estimated Balance Sheet Notional Estimated Location Amount Fair Value Location Amount Fair Value Cash flow hedges: Assets Other liabilities $ 100,000 $ (1,121) Other liabilities $ 100,000 $ (556) Liabilities Other assets 150,000 207 Other liabilities 150,000 (881) Liabilities Other liabilities 25,000 (18) Other assets 25,000 7
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, 2024 Interest rate swaps - Assets $ (1,121) Interest income $ (204) Interest rate swaps - Liabilities 189 Interest expense (242) Three Months Ended March 31, 2023 Interest rate swaps - Assets $ (581) Interest income $ (6) Interest rate swaps - Liabilities — Interest expense —

Leases (Tables)

Leases (Tables)	3 Months Ended
Leases (Tables)	Mar. 31, 2024
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) March 31, December 31, Classification 2024 2023 Assets: Operating lease right-of-use assets Other assets $ 9,681 $ 9,894 Liabilities: Operating lease liabilities Other liabilities $ 10,119 $ 10,303
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, 2024 2023 Lease costs: Operating lease costs $ 451 $ 404 Variable lease costs 30 23 Total $ 481 $ 427 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 421 $ 379
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, 2024, were as follows (in thousands) Amounts Remainder of 2024 $ 1,198 2025 1,407 2026 1,334 2027 1,149 2028 1,144 Thereafter 5,371 Total future minimum lease payments 11,603 Amounts representing interest (1,484) Present value of net future minimum lease payments $ 10,119

Regulatory Matters (Tables)

Regulatory Matters (Tables)	3 Months Ended
Regulatory Matters (Tables)	Mar. 31, 2024
Banking and Thrift [Abstract]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	Actual and required capital levels at March 31, 2024, and December 31, 2023 are presented below (dollars in thousands) Minimum to be well capitalized under Minimum for prompt capital corrective action Actual adequacy purposes provisions 1 Amount Ratio Amount Ratio Amount Ratio March 31, 2024 SmartFinancial: Total Capital (to Risk Weighted Assets) $ 456,659 11.85 % $ 308,231 8.00 % N/A N/A Tier 1 Capital (to Risk Weighted Assets) 393,088 10.20 % 231,173 6.00 % N/A N/A Common Equity Tier 1 Capital (to Risk Weighted Assets) 393,088 10.20 % 173,380 4.50 % N/A N/A Tier 1 Capital (to Average Assets) 2 393,088 8.23 % 191,043 4.00 % N/A N/A SmartBank: Total Capital (to Risk Weighted Assets) $ 462,143 12.00 % $ 307,991 8.00 % $ 384,989 10.00 % Tier 1 Capital (to Risk Weighted Assets) 432,268 11.23 % 230,993 6.00 % 307,991 8.00 % Common Equity Tier 1 Capital (to Risk Weighted Assets) 432,268 11.23 % 173,245 4.50 % 250,243 6.50 % Tier 1 Capital (to Average Assets) 2 432,268 9.07 % 190,725 4.00 % 238,406 5.00 % December 31, 2023 SmartFinancial: Total Capital (to Risk Weighted Assets) $ 448,050 11.80 % $ 303,658 8.00 % N/A N/A Tier 1 Capital (to Risk Weighted Assets) 385,795 10.16 % 227,744 6.00 % N/A N/A Common Equity Tier 1 Capital (to Risk Weighted Assets) 385,795 10.16 % 170,808 4.50 % N/A N/A Tier 1 Capital (to Average Assets) 385,795 8.27 % 186,672 4.00 % N/A N/A SmartBank: Total Capital (to Risk Weighted Assets) $ 456,134 12.02 % $ 303,680 8.00 % $ 379,600 10.00 % Tier 1 Capital (to Risk Weighted Assets) 427,559 11.26 % 227,760 6.00 % 303,680 8.00 % Common Equity Tier 1 Capital (to Risk Weighted Assets) 427,559 11.26 % 170,820 4.50 % 246,740 6.50 % Tier 1 Capital (to Average Assets) 427,559 9.18 % 186,363 4.00 % 232,954 5.00 % 1 2

Other comprehensive income (l_2

Other comprehensive income (loss) (Tables)	3 Months Ended
Other comprehensive income (loss) (Tables)	Mar. 31, 2024
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, 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) Three Months Ended March 31, 2023 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, 2022 $ (33,616) $ (742) $ — $ (966) $ (35,324) Other comprehensive income (loss) 6,138 — — 536 6,674 Reclassification of amounts included in net income — 30 — — 30 Net other comprehensive income (loss) during period 6,138 30 — 536 6,704 Ending balance, March 31, 2023 $ (27,478) $ (712) $ — $ (430) $ (28,620)

Presentation of Financial Inf_3

Presentation of Financial Information (Details) - USD ($)	3 Months Ended
Presentation of Financial Information (Details) - USD ($)	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Retained earnings	$ 181,103,000		$ 173,105,000
Allowance for off balance sheet credit	2,000,000		$ 2,400,000
Provision for credit losses, HTM	$ 0	$ 0

Earnings per Share (Narrative)

Earnings per Share (Narrative) (Details) - shares	3 Months Ended
Earnings per Share (Narrative) (Details) - shares	Mar. 31, 2024	Mar. 31, 2023
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 (Schedule of Earnings Per Share, Basic and Diluted) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Basic earnings per share computation:
Net income available to common shareholders	$ 9,358	$ 11,500
Average common shares outstanding - basic (in shares)	16,849,735	16,791,406
Basic earnings per share (in dollars per share)	$ 0.56	$ 0.69
Diluted earnings per share computation:
Net income available to common shareholders	$ 9,358	$ 11,500
Average common shares outstanding - basic (in shares)	16,849,735	16,791,406
Incremental shares from assumed conversions:
Stock options and restricted stock (in shares)	75,673,000	105,088,000
Average common shares outstanding - diluted	16,925,408	16,896,494
Diluted earnings per share (in dollars per share)	$ 0.55	$ 0.68

Securities - Narrative (Details

Securities - Narrative (Details) - USD ($)	3 Months Ended
Securities - Narrative (Details) - USD ($)	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Securities available-for-sale, at fair value, post ASU 2019-04	$ 474,347,000		$ 408,410,000
Gross gains	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, post ASU 2019-04	180,169,000		281,236,000
Allowance for off balance sheet credit	2,000,000		2,400,000
Asset Pledged as Collateral [Member] \| Secure Public Funds and Securities Sold under Agreements to Repurchase [Member]
Securities available-for-sale, at fair value, post ASU 2019-04	$ 444,600,000		$ 358,300,000

Securities - Schedule of Availa

Securities - Schedule of Available-for-sale Securities Reconciliation (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]
Total, post ASU 2019-04	$ 509,575	$ 441,057
Gross Unrealized Gains	1,686	2,072
Gross Unrealized Losses	(36,914)	(34,719)
Fair Value, post ASU 2019-04	474,347	408,410
US Treasury Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Total, post ASU 2019-04	84,065	84,307
Gross Unrealized Losses	(8,790)	(8,274)
Fair Value, post ASU 2019-04	75,275	76,033
US Government-sponsored Enterprises Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Total, post ASU 2019-04	48,393	46,983
Gross Unrealized Gains	725	1,256
Gross Unrealized Losses	(169)	(146)
Fair Value, post ASU 2019-04	48,949	48,093
Municipal securities [Member]
Debt Securities, Available-for-sale [Line Items]
Total, post ASU 2019-04	18,407	18,616
Gross Unrealized Gains	98	135
Gross Unrealized Losses	(487)	(475)
Fair Value, post ASU 2019-04	18,018	18,276
Other Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Total, post ASU 2019-04	39,321	36,863
Gross Unrealized Gains	164	93
Gross Unrealized Losses	(3,546)	(3,887)
Fair Value, post ASU 2019-04	35,939	33,069
Mortgage-backed securities (GSEs) [Member]
Debt Securities, Available-for-sale [Line Items]
Total, post ASU 2019-04	319,389	254,288
Gross Unrealized Gains	699	588
Gross Unrealized Losses	(23,922)	(21,937)
Fair Value, post ASU 2019-04	$ 296,166	$ 232,939

Securities - Schedule of Held-t

Securities - Schedule of Held-to-maturity Securities Reconciliation (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Held-to-maturity
Amortized cost, post ASU 2019-04	$ 180,169	$ 281,236
Gross Unrealized Losses	(18,956)	(18,698)
Fair Value	161,213	262,538
US Treasury Securities [Member]
Held-to-maturity
Amortized cost, post ASU 2019-04	50,030	150,066
Gross Unrealized Losses	(227)	(1,482)
Fair Value	49,803	148,584
US Government-sponsored Enterprises Debt Securities [Member]
Held-to-maturity
Amortized cost, post ASU 2019-04	49,032	49,336
Gross Unrealized Losses	(7,897)	(7,143)
Fair Value	41,135	42,193
Municipal securities [Member]
Held-to-maturity
Amortized cost, post ASU 2019-04	52,423	52,680
Gross Unrealized Losses	(6,582)	(6,178)
Fair Value	45,841	46,502
Mortgage-backed securities (GSEs) [Member]
Held-to-maturity
Amortized cost, post ASU 2019-04	28,684	29,154
Gross Unrealized Losses	(4,250)	(3,895)
Fair Value	$ 24,434	$ 25,259

Securities - Available-for-sale

Securities - Available-for-sale by Contractual Maturity Date (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Amortized Cost
Due in one year or less	$ 1,280
Due from one year to five years	88,430
Due from five years to ten years	87,487
Due after ten years	12,989
Securities available for sale, amortized cost	190,186
Mortgage-backed securities	319,389
Total, post ASU 2019-04	509,575	$ 441,057
Fair Value
Due in one year or less	1,274
Due from one year to five years	79,446
Due from five years to ten years	84,734
Due after ten years	12,727
Securities available for sale, fair value	178,181
Mortgage-backed securities	296,166
Total, post ASU 2019-04	$ 474,347	$ 408,410

Securities - Held-to-maturity b

Securities - Held-to-maturity by Contractual Maturity Date (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Amortized Cost
Due in one year or less	$ 50,030
Due from one year to five years	745
Due from five years to ten years	47,201
Due after ten years	53,509
Securities held to maturity, amortized cost	151,485
Mortgage-backed securities	28,684
Amortized cost, post ASU 2019-04	180,169	$ 281,236
Fair Value
Due in one year or less	49,802
Due from one year to five years	701
Due from five years to ten years	40,121
Due after ten years	46,155
Securities held to maturity, fair value	136,779
Mortgage-backed securities	24,434
Total	$ 161,213	$ 262,538

Securities - Schedule of Avai_2

Securities - Schedule of Available-for-sale, Unrealized Loss on Investments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]
Less than 12 Months, Fair Value	$ 77,726	$ 31,916
Less than 12 Months, Gross Unrealized Losses	$ (1,024)	$ (385)
Less than 12 Months, Number of Securities	31	15
12 Months or Greater, Fair Value	$ 301,553	$ 292,772
12 Months or Greater, Gross Unrealized Losses	$ (35,890)	$ (34,334)
12 Months or Greater, Number of Securities	146	143
Total, Fair Value	$ 379,279	$ 324,688
Total, Gross Unrealized Losses	$ (36,914)	$ (34,719)
Total, Number of Securities	177	158
US Treasury Securities [Member]
Debt Securities, Available-for-sale [Line Items]
12 Months or Greater, Fair Value	$ 75,276	$ 76,033
12 Months or Greater, Gross Unrealized Losses	$ (8,790)	$ (8,274)
12 Months or Greater, Number of Securities	9	9
Total, Fair Value	$ 75,276	$ 76,033
Total, Gross Unrealized Losses	$ (8,790)	$ (8,274)
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	$ 9,906	$ 9,743
Less than 12 Months, Gross Unrealized Losses	$ (141)	$ (137)
Less than 12 Months, Number of Securities	3	3
12 Months or Greater, Fair Value	$ 6,532	$ 1,482
12 Months or Greater, Gross Unrealized Losses	$ (28)	$ (9)
12 Months or Greater, Number of Securities	5	3
Total, Fair Value	$ 16,438	$ 11,225
Total, Gross Unrealized Losses	$ (169)	$ (146)
Total, Number of Securities	8	6
Municipal securities [Member]
Debt Securities, Available-for-sale [Line Items]
Less than 12 Months, Fair Value	$ 2,156	$ 2,786
Less than 12 Months, Gross Unrealized Losses	$ (11)	$ (2)
Less than 12 Months, Number of Securities	5	2
12 Months or Greater, Fair Value	$ 12,565	$ 9,849
12 Months or Greater, Gross Unrealized Losses	$ (476)	$ (473)
12 Months or Greater, Number of Securities	19	17
Total, Fair Value	$ 14,721	$ 12,635
Total, Gross Unrealized Losses	$ (487)	$ (475)
Total, Number of Securities	24	19
Other Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Less than 12 Months, Fair Value	$ 2,408	$ 2,986
Less than 12 Months, Gross Unrealized Losses	$ (41)	$ (17)
Less than 12 Months, Number of Securities	2	2
12 Months or Greater, Fair Value	$ 29,415	$ 29,057
12 Months or Greater, Gross Unrealized Losses	$ (3,505)	$ (3,870)
12 Months or Greater, Number of Securities	26	26
Total, Fair Value	$ 31,823	$ 32,043
Total, Gross Unrealized Losses	$ (3,546)	$ (3,887)
Total, Number of Securities	28	28
Mortgage-backed securities (GSEs) [Member]
Debt Securities, Available-for-sale [Line Items]
Less than 12 Months, Fair Value	$ 63,256	$ 16,401
Less than 12 Months, Gross Unrealized Losses	$ (831)	$ (229)
Less than 12 Months, Number of Securities	21	8
12 Months or Greater, Fair Value	$ 177,765	$ 176,351
12 Months or Greater, Gross Unrealized Losses	$ (23,091)	$ (21,708)
12 Months or Greater, Number of Securities	87	88
Total, Fair Value	$ 241,021	$ 192,752
Total, Gross Unrealized Losses	$ (23,922)	$ (21,937)
Total, Number of Securities	108	96

Securities - Schedule of Held_2

Securities - Schedule of Held-to-maturity, Unrealized Loss on Investments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Held-to-maturity:
12 Months or Greater, Fair Value	$ 161,211	$ 262,536
12 Months or Greater, Gross Unrealized Losses	$ (18,956)	$ (18,698)
12 Months or Greater, Number of Securities	55	57
Total, Fair Value	$ 161,211	$ 262,536
Total, Gross Unrealized Losses	$ (18,956)	$ (18,698)
Total, Number of Securities	55	57
US Treasury Securities [Member]
Held-to-maturity:
12 Months or Greater, Fair Value	$ 49,802	$ 148,584
12 Months or Greater, Gross Unrealized Losses	$ (227)	$ (1,482)
12 Months or Greater, Number of Securities	2	4
Total, Fair Value	$ 49,802	$ 148,584
Total, Gross Unrealized Losses	$ (227)	$ (1,482)
Total, Number of Securities	2	4
US Government-sponsored Enterprises Debt Securities [Member]
Held-to-maturity:
12 Months or Greater, Fair Value	$ 41,135	$ 42,194
12 Months or Greater, Gross Unrealized Losses	$ (7,897)	$ (7,143)
12 Months or Greater, Number of Securities	13	13
Total, Fair Value	$ 41,135	$ 42,194
Total, Gross Unrealized Losses	$ (7,897)	$ (7,143)
Total, Number of Securities	13	13
Municipal securities [Member]
Held-to-maturity:
12 Months or Greater, Fair Value	$ 45,840	$ 46,500
12 Months or Greater, Gross Unrealized Losses	$ (6,582)	$ (6,178)
12 Months or Greater, Number of Securities	35	35
Total, Fair Value	$ 45,840	$ 46,500
Total, Gross Unrealized Losses	$ (6,582)	$ (6,178)
Total, Number of Securities	35	35
Mortgage-backed securities (GSEs) [Member]
Held-to-maturity:
12 Months or Greater, Fair Value	$ 24,434	$ 25,258
12 Months or Greater, Gross Unrealized Losses	$ (4,250)	$ (3,895)
12 Months or Greater, Number of Securities	5	5
Total, Fair Value	$ 24,434	$ 25,258
Total, Gross Unrealized Losses	$ (4,250)	$ (3,895)
Total, Number of Securities	5	5

Securities - Other Investments

Securities - Other Investments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]
Other investments	$ 13,718	$ 13,662
Federal Reserve Bank Stock [Member]
Debt Securities, Available-for-sale [Line Items]
Other investments	9,532	9,526
Federal Home Loan Bank stock [Member]
Debt Securities, Available-for-sale [Line Items]
Other investments	3,836	3,786
First National Bankers Bank Stock [Member]
Debt Securities, Available-for-sale [Line Items]
Other investments	$ 350	$ 350

Loans and Leases and Allowanc_3

Loans and Leases and Allowance for Credit Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Major categories of loans and leases
Total loans and leases	$ 3,477,555	$ 3,444,462
Less: Allowance for credit losses	(34,203)	(35,066)	$ (32,279)	$ (23,334)
Loans and leases, net	3,443,352	3,409,396
Commercial Real Estate [Member]
Major categories of loans and leases
Total loans and leases	1,743,205	1,739,205
Less: Allowance for credit losses	(14,843)	(15,264)	(14,528)	(10,821)
Consumer Real Estate [Member]
Major categories of loans and leases
Total loans and leases	659,209	649,867
Less: Allowance for credit losses	(7,246)	(7,249)	(6,411)	(4,028)
Construction and Land Development [Member]
Major categories of loans and leases
Total loans and leases	321,860	327,185
Less: Allowance for credit losses	(4,704)	(4,874)	(5,219)	(3,059)
Commercial and Industrial [Member]
Major categories of loans and leases
Total loans and leases	667,903	645,918
Less: Allowance for credit losses	(6,641)	(6,924)	(5,359)	(3,997)
Consumer and Other [Member]
Major categories of loans and leases
Total loans and leases	13,469	13,535
Less: Allowance for credit losses	(112)	(115)	(125)	(136)
Leases [Member]
Major categories of loans and leases
Total loans and leases	71,909	68,752
Less: Allowance for credit losses	$ (657)	$ (640)	$ (637)	$ (1,293)

Loans and Leases and Allowanc_4

Loans and Leases and Allowance for Credit Losses - ALL Roll Forward (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 35,066	$ 23,334
PCD gross up		2,898
Charged-off loans and leases	(920)	(315)
Recoveries of charge-offs	135	55
Provision for credit losses, post ASU 2019-04	(78)	550
Provision for credit losses, unfunded commitments not included	(78)
Ending balance	34,203	32,279
Release for unfunded commitments through provision for credit losses	362
Accounting Standards Update 2016-13 [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Ending balance		5,757
Commercial Real Estate [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	15,264	10,821
PCD gross up		2,652
Recoveries of charge-offs	2	2
Provision for credit losses, post ASU 2019-04		174
Provision for credit losses, unfunded commitments not included	(423)
Ending balance	14,843	14,528
Commercial Real Estate [Member] \| Accounting Standards Update 2016-13 [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Ending balance		879
Consumer Real Estate [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	7,249	4,028
PCD gross up		166
Charged-off loans and leases	(107)
Recoveries of charge-offs	79	5
Provision for credit losses, post ASU 2019-04		260
Provision for credit losses, unfunded commitments not included	25
Ending balance	7,246	6,411
Consumer Real Estate [Member] \| Accounting Standards Update 2016-13 [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Ending balance		1,952
Construction and Land Development [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	4,874	3,059
PCD gross up		25
Charged-off loans and leases	(441)
Provision for credit losses, post ASU 2019-04		(10)
Provision for credit losses, unfunded commitments not included	271
Ending balance	4,704	5,219
Construction and Land Development [Member] \| Accounting Standards Update 2016-13 [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Ending balance		2,145
Commercial and Industrial [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	6,924	3,997
PCD gross up		27
Charged-off loans and leases	(201)	(173)
Recoveries of charge-offs	26	20
Provision for credit losses, post ASU 2019-04		37
Provision for credit losses, unfunded commitments not included	(108)
Ending balance	6,641	5,359
Commercial and Industrial [Member] \| Accounting Standards Update 2016-13 [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Ending balance		1,451
Leases [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	640	1,293
PCD gross up		28
Charged-off loans and leases	(77)	(9)
Provision for credit losses, post ASU 2019-04		8
Provision for credit losses, unfunded commitments not included	94
Ending balance	657	637
Leases [Member] \| Accounting Standards Update 2016-13 [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Ending balance		(683)
Consumer and Other [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	115	136
Charged-off loans and leases	(94)	(133)
Recoveries of charge-offs	28	28
Provision for credit losses, post ASU 2019-04		81
Provision for credit losses, unfunded commitments not included	63
Ending balance	$ 112	125
Consumer and Other [Member] \| Accounting Standards Update 2016-13 [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Ending balance		$ 13

Loans and Leases and Allowanc_5

Loans and Leases and Allowance for Credit Losses - Risk Rating Based on Year of Origination (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Loans Amortized Cost Basis by Origination Year
2024	$ 126,820
2023	694,178
2022	1,042,911
2021	606,578
2020	258,069
Prior	370,588
Revolving Loans	376,702
Revolving Loans Converted to Term	1,709
Total, post ASU 2019-04	3,477,555		$ 3,444,462
YTD gross charge-offs
2023	(201)
2022	(138)
2021	(9)
2020	(448)
Prior	(124)
Total, post ASU 2019-04	(920)	$ (315)
Pass [Member]
Loans Amortized Cost Basis by Origination Year
2024	126,817
2023	681,860
2022	1,034,933
2021	597,046
2020	254,603
Prior	355,385
Revolving Loans	373,969
Revolving Loans Converted to Term	1,674
Total, post ASU 2019-04	3,426,287
Watch [Member]
Loans Amortized Cost Basis by Origination Year
2024	3
2023	10,622
2022	4,169
2021	5,760
2020	2,776
Prior	10,861
Revolving Loans	2,626
Revolving Loans Converted to Term	35
Total, post ASU 2019-04	36,852
Special Mention [Member]
Loans Amortized Cost Basis by Origination Year
2023	438
2022	3,195
Prior	52
Total, post ASU 2019-04	3,685
Substandard [Member]
Loans Amortized Cost Basis by Origination Year
2023	1,258
2022	614
2021	3,772
2020	690
Prior	4,290
Revolving Loans	107
Total, post ASU 2019-04	10,731
Commercial Real Estate [Member]
Loans Amortized Cost Basis by Origination Year
2024	26,854
2023	277,838
2022	574,780
2021	425,393
2020	178,183
Prior	244,228
Revolving Loans	15,929
Total, post ASU 2019-04	1,743,205		1,739,205
Commercial Real Estate [Member] \| Pass [Member]
Loans Amortized Cost Basis by Origination Year
2024	26,854
2023	272,348
2022	570,319
2021	420,101
2020	175,214
Prior	232,580
Revolving Loans	15,370
Total, post ASU 2019-04	1,712,786
Commercial Real Estate [Member] \| Watch [Member]
Loans Amortized Cost Basis by Origination Year
2023	4,609
2022	1,266
2021	1,930
2020	2,661
Prior	10,755
Revolving Loans	559
Total, post ASU 2019-04	21,780
Commercial Real Estate [Member] \| Special Mention [Member]
Loans Amortized Cost Basis by Origination Year
2022	3,195
Total, post ASU 2019-04	3,195
Commercial Real Estate [Member] \| Substandard [Member]
Loans Amortized Cost Basis by Origination Year
2023	881
2021	3,362
2020	308
Prior	893
Total, post ASU 2019-04	5,444
Consumer Real Estate [Member]
Loans Amortized Cost Basis by Origination Year
2024	20,868
2023	123,819
2022	170,452
2021	96,850
2020	52,963
Prior	80,889
Revolving Loans	112,550
Revolving Loans Converted to Term	818
Total, post ASU 2019-04	659,209		649,867
YTD gross charge-offs
Prior	(107)
Total, post ASU 2019-04	(107)
Consumer Real Estate [Member] \| Pass [Member]
Loans Amortized Cost Basis by Origination Year
2024	20,868
2023	123,370
2022	170,452
2021	95,970
2020	52,595
Prior	77,419
Revolving Loans	110,895
Revolving Loans Converted to Term	818
Total, post ASU 2019-04	652,387
Consumer Real Estate [Member] \| Watch [Member]
Loans Amortized Cost Basis by Origination Year
2023	255
2021	704
2020	115
Prior	97
Revolving Loans	1,548
Total, post ASU 2019-04	2,719
Consumer Real Estate [Member] \| Special Mention [Member]
Loans Amortized Cost Basis by Origination Year
Prior	52
Total, post ASU 2019-04	52
Consumer Real Estate [Member] \| Substandard [Member]
Loans Amortized Cost Basis by Origination Year
2023	194
2021	176
2020	253
Prior	3,321
Revolving Loans	107
Total, post ASU 2019-04	4,051
Construction and Land Development [Member]
Loans Amortized Cost Basis by Origination Year
2024	44,624
2023	97,826
2022	115,084
2021	17,169
2020	2,349
Prior	11,541
Revolving Loans	33,024
Revolving Loans Converted to Term	243
Total, post ASU 2019-04	321,860		327,185
YTD gross charge-offs
2020	(441)
Total, post ASU 2019-04	(441)
Construction and Land Development [Member] \| Pass [Member]
Loans Amortized Cost Basis by Origination Year
2024	44,621
2023	91,788
2022	112,195
2021	16,914
2020	2,349
Prior	11,541
Revolving Loans	33,024
Revolving Loans Converted to Term	243
Total, post ASU 2019-04	312,675
Construction and Land Development [Member] \| Watch [Member]
Loans Amortized Cost Basis by Origination Year
2024	3
2023	5,600
2022	2,889
2021	221
Total, post ASU 2019-04	8,713
Construction and Land Development [Member] \| Special Mention [Member]
Loans Amortized Cost Basis by Origination Year
2023	438
Total, post ASU 2019-04	438
Construction and Land Development [Member] \| Substandard [Member]
Loans Amortized Cost Basis by Origination Year
2021	34
Total, post ASU 2019-04	34
Commercial and Industrial [Member]
Loans Amortized Cost Basis by Origination Year
2024	21,783
2023	163,689
2022	156,915
2021	59,275
2020	21,663
Prior	32,789
Revolving Loans	211,141
Revolving Loans Converted to Term	648
Total, post ASU 2019-04	667,903		645,918
YTD gross charge-offs
2023	(85)
2022	(116)
Total, post ASU 2019-04	(201)	(173)
Commercial and Industrial [Member] \| Pass [Member]
Loans Amortized Cost Basis by Origination Year
2024	21,783
2023	163,348
2022	156,287
2021	56,170
2020	21,534
Prior	32,713
Revolving Loans	210,622
Revolving Loans Converted to Term	613
Total, post ASU 2019-04	663,070
Commercial and Industrial [Member] \| Watch [Member]
Loans Amortized Cost Basis by Origination Year
2023	158
2022	14
2021	2,905
Revolving Loans	519
Revolving Loans Converted to Term	35
Total, post ASU 2019-04	3,631
Commercial and Industrial [Member] \| Substandard [Member]
Loans Amortized Cost Basis by Origination Year
2023	183
2022	614
2021	200
2020	129
Prior	76
Total, post ASU 2019-04	1,202
Leases [Member]
Loans Amortized Cost Basis by Origination Year
2024	11,038
2023	26,324
2022	24,078
2021	7,176
2020	2,553
Prior	740
Total, post ASU 2019-04	71,909		68,752
YTD gross charge-offs
2023	(77)
Total, post ASU 2019-04	(77)	(9)
Leases [Member] \| Pass [Member]
Loans Amortized Cost Basis by Origination Year
2024	11,038
2023	26,324
2022	24,078
2021	7,176
2020	2,553
Prior	740
Total, post ASU 2019-04	71,909
Consumer and Other [Member]
Loans Amortized Cost Basis by Origination Year
2024	1,653
2023	4,682
2022	1,602
2021	715
2020	358
Prior	401
Revolving Loans	4,058
Total, post ASU 2019-04	13,469		$ 13,535
YTD gross charge-offs
2023	(39)
2022	(22)
2021	(9)
2020	(7)
Prior	(17)
Total, post ASU 2019-04	(94)	$ (133)
Consumer and Other [Member] \| Pass [Member]
Loans Amortized Cost Basis by Origination Year
2024	1,653
2023	4,682
2022	1,602
2021	715
2020	358
Prior	392
Revolving Loans	4,058
Total, post ASU 2019-04	13,460
Consumer and Other [Member] \| Watch [Member]
Loans Amortized Cost Basis by Origination Year
Prior	9
Total, post ASU 2019-04	$ 9

Loans and Leases and Allowanc_6

Loans and Leases and Allowance for Credit Losses - Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Nonaccrual Loans	$ 6,171	$ 7,931
Nonaccrual With No Allowance for Credit Losses, post ASU 2019-04	2,465	3,074
Loans Past Due Over 90 Days Still Accruing	95
Total loans, post ASU 2019-04	3,477,555	3,444,462
Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	3,469,197	3,431,794
Financial Asset, Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	8,358	12,668
Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	3,627	5,143
Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	1,306	2,088
90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due Over 90 Days Still Accruing		170
Total loans, post ASU 2019-04	3,425	5,437
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Nonaccrual Loans	1,752	2,044
Nonaccrual With No Allowance for Credit Losses, post ASU 2019-04	802	1,352
Total loans, post ASU 2019-04	1,743,205	1,739,205
Commercial Real Estate [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	1,741,943	1,737,223
Commercial Real Estate [Member] \| Financial Asset, Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	1,262	1,982
Commercial Real Estate [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	143	52
Commercial Real Estate [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	51	270
Commercial Real Estate [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	1,068	1,660
Consumer Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Nonaccrual Loans	2,466	2,647
Nonaccrual With No Allowance for Credit Losses, post ASU 2019-04	1,503	1,562
Total loans, post ASU 2019-04	659,209	649,867
Consumer Real Estate [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	657,219	645,743
Consumer Real Estate [Member] \| Financial Asset, Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	1,990	4,124
Consumer Real Estate [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	721	2,216
Consumer Real Estate [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	777	1,347
Consumer Real Estate [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	492	561
Construction and Land Development [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Nonaccrual Loans		620
Total loans, post ASU 2019-04	321,860	327,185
Construction and Land Development [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	321,837	325,934
Construction and Land Development [Member] \| Financial Asset, Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	23	1,251
Construction and Land Development [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04		631
Construction and Land Development [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	23
Construction and Land Development [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04		620
Commercial and Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Nonaccrual Loans	1,953	2,480
Nonaccrual With No Allowance for Credit Losses, post ASU 2019-04	160	160
Loans Past Due Over 90 Days Still Accruing	73
Total loans, post ASU 2019-04	667,903	645,918
Commercial and Industrial [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	664,151	642,346
Commercial and Industrial [Member] \| Financial Asset, Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	3,752	3,572
Commercial and Industrial [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	1,817	956
Commercial and Industrial [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	92	330
Commercial and Industrial [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	1,843	2,286
Leases [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Nonaccrual Loans		140
Total loans, post ASU 2019-04	71,909	68,752
Leases [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	70,688	67,200
Leases [Member] \| Financial Asset, Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	1,221	1,552
Leases [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	881	1,208
Leases [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	340	132
Leases [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due Over 90 Days Still Accruing		72
Total loans, post ASU 2019-04		212
Consumer and Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due Over 90 Days Still Accruing	22
Total loans, post ASU 2019-04	13,469	13,535
Consumer and Other [Member] \| Financial Asset, Not Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	13,359	13,348
Consumer and Other [Member] \| Financial Asset, Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	110	187
Consumer and Other [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	65	80
Consumer and Other [Member] \| Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, post ASU 2019-04	23	9
Consumer and Other [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due Over 90 Days Still Accruing		98
Total loans, post ASU 2019-04	$ 22	$ 98

Loans and Leases and Allowanc_7

Loans and Leases and Allowance for Credit Losses - Nonaccrual Status (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Financing Receivable, Nonaccrual [Line Items]
Loans Past Due Over 90 Days Still Accruing	$ 95
90 Days or More Past Due [Member]
Financing Receivable, Nonaccrual [Line Items]
Loans Past Due Over 90 Days Still Accruing		$ 170
Commercial and Industrial [Member]
Financing Receivable, Nonaccrual [Line Items]
Loans Past Due Over 90 Days Still Accruing	73
Consumer and Other [Member]
Financing Receivable, Nonaccrual [Line Items]
Loans Past Due Over 90 Days Still Accruing	$ 22
Consumer and Other [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Nonaccrual [Line Items]
Loans Past Due Over 90 Days Still Accruing		98
Leases [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Nonaccrual [Line Items]
Loans Past Due Over 90 Days Still Accruing		$ 72

Loans and Leases and Allowanc_8

Loans and Leases and Allowance for Credit Losses - Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 7,875	$ 10,340
Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	6,857	9,322
Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,018	1,018
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	4,412	5,155
Commercial Real Estate [Member] \| Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	4,412	5,155
Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,445	2,756
Consumer Real Estate [Member] \| Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,445	2,756
Construction and Land Development [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		1,411
Construction and Land Development [Member] \| Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total		1,411
Commercial and Industrial [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,018	1,018
Commercial and Industrial [Member] \| Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 1,018	$ 1,018

Loans and Leases and Allowanc_9

Loans and Leases and Allowance for Credit Losses - Loan Modifications to Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans	$ 6,171		$ 7,931
Total loans, post ASU 2019-04	3,477,555		3,444,462
90 Days or More Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans, post ASU 2019-04	3,425		5,437
Loan modifications made to borrowers experiencing financial difficulty
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	200
Loan modification, defaulted	0	$ 0
Total Nonaccrual Loans	607
Total loans, post ASU 2019-04	4,419
Loan modifications made to borrowers experiencing financial difficulty \| Current [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans, post ASU 2019-04	3,762
Loan modifications made to borrowers experiencing financial difficulty \| 30 to 89 Days Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans, post ASU 2019-04	50
Term Extension \| Loan modifications made to borrowers experiencing financial difficulty
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	200
Commercial Real Estate [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans	1,752		2,044
Total loans, post ASU 2019-04	1,743,205		1,739,205
Commercial Real Estate [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans, post ASU 2019-04	1,068		1,660
Commercial Real Estate [Member] \| Loan modifications made to borrowers experiencing financial difficulty
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	200
Total Nonaccrual Loans	378
Total loans, post ASU 2019-04	1,119
Commercial Real Estate [Member] \| Loan modifications made to borrowers experiencing financial difficulty \| Current [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans, post ASU 2019-04	$ 741
Commercial Real Estate [Member] \| Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average (in months)	3 months
Commercial Real Estate [Member] \| 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	2,466		2,647
Total loans, post ASU 2019-04	659,209		649,867
Consumer Real Estate [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans, post ASU 2019-04	492		561
Consumer Real Estate [Member] \| Loan modifications made to borrowers experiencing financial difficulty
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans	100
Total loans, post ASU 2019-04	2,489
Consumer Real Estate [Member] \| Loan modifications made to borrowers experiencing financial difficulty \| Current [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans, post ASU 2019-04	2,339
Consumer Real Estate [Member] \| Loan modifications made to borrowers experiencing financial difficulty \| 30 to 89 Days Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans, post ASU 2019-04	50
Construction and Land Development [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans			620
Total loans, post ASU 2019-04	321,860		327,185
Construction and Land Development [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans, post ASU 2019-04			620
Construction and Land Development [Member] \| Loan modifications made to borrowers experiencing financial difficulty
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans, post ASU 2019-04	682
Construction and Land Development [Member] \| Loan modifications made to borrowers experiencing financial difficulty \| Current [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans, post ASU 2019-04	682
Commercial and Industrial [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans	1,953		2,480
Total loans, post ASU 2019-04	667,903		645,918
Commercial and Industrial [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans, post ASU 2019-04	1,843		2,286
Commercial and Industrial [Member] \| Loan modifications made to borrowers experiencing financial difficulty
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans	129
Total loans, post ASU 2019-04	129
Leases [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total Nonaccrual Loans			140
Total loans, post ASU 2019-04	71,909		68,752
Leases [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans, post ASU 2019-04			212
Consumer and Other [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans, post ASU 2019-04	13,469		13,535
Consumer and Other [Member] \| 90 Days or More Past Due [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total loans, post ASU 2019-04	$ 22		$ 98

Loans and Leases and Allowan_10

Loans and Leases and Allowance for Credit Losses - Narrative (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($) segment	Mar. 31, 2023 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Financing Receivable, Modifications [Line Items]
Loan portfolio segments \| segment	6
Provision for loan losses	$ (440)	$ 550
Provision for credit losses, post ASU 2019-04	(78)	550
Allowance for credit losses, post ASU 2019-04	$ 34,203	32,279	$ 35,066	$ 23,334
Percentage of allowance for credit losses to aggregate loans	0.98%		1.02%
Nonaccrual restructuring loans, post ASU 2019-04	$ 6,171		$ 7,931
Other real estate owned	696		517
Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Mortgage loans in process of foreclosure	694
Consumer Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Provision for credit losses, post ASU 2019-04		260
Allowance for credit losses, post ASU 2019-04	7,246	6,411	7,249	4,028
Nonaccrual restructuring loans, post ASU 2019-04	2,466		2,647
Consumer Real Estate [Member] \| Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Mortgage loans in process of foreclosure	279
Consumer and Other [Member]
Financing Receivable, Modifications [Line Items]
Provision for credit losses, post ASU 2019-04		81
Allowance for credit losses, post ASU 2019-04	$ 112	$ 125	$ 115	$ 136

Goodwill and Intangible Asset_2

Goodwill and Intangible Assets - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Amortization of intangibles	$ 612	$ 659
Goodwill	$ 96,100		$ 96,100
Customer Relationships [Member]
Intangible asset, useful life	14 years
Trade Names [Member]
Intangible asset, useful life	5 years

Goodwill and Intangible Asset_3

Goodwill and Intangible Assets - Schedule of Finite-Lived Intangible Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Finite-lived Intangible Assets [Roll Forward]
Gross Carrying Amount		$ 23,203		$ 23,203
Less: accumulated amortization	$ (12,811)		$ (12,200)
Total	10,392		11,003
Core Deposits [Member]
Finite-lived Intangible Assets [Roll Forward]
Gross Carrying Amount		17,470		17,470
Less: accumulated amortization	(10,183)		(9,758)
Total	7,287		7,712
Customer Relationships [Member]
Finite-lived Intangible Assets [Roll Forward]
Gross Carrying Amount		5,670		5,670
Less: accumulated amortization	(2,565)		(2,379)
Total	3,105		3,291
Trade Names [Member]
Finite-lived Intangible Assets [Roll Forward]
Gross Carrying Amount		$ 63		$ 63
Less: accumulated amortization	$ (63)		$ (63)

Goodwill and Intangible Asset_4

Goodwill and Intangible Assets - Schedule of Finite-Lived Intangible Assets, Future Amortization Expense (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Mar. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Remainder of 2024	$ 1,813
2025	2,256
2026	2,086
2027	1,904
2028	1,139
Thereafter	1,194
Total	$ 10,392	$ 11,003

Borrowings, Line of Credit an_3

Borrowings, Line of Credit and Subordinated Debt - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Securities sold under agreements to repurchase	$ 3,849		$ 5,078
Securities sold under agreements to repurchase, average balance	4,800	$ 4,400
Securities sold under agreements to repurchase, maximum month-end balance	5,300	$ 4,200
Borrowings	9,800		13,100
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	$ 7,400		$ 7,600
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	$ 6,000
Line of Credit Facility, Remaining Borrowing Capacity	$ 29,000

Borrowings, Line of Credit an_4

Borrowings, Line of Credit and Subordinated Debt - Subordinated Debt Narrative (Details) - USD ($) $ in Thousands		3 Months Ended
	Sep. 01, 2021	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023	Sep. 28, 2018
Debt Instrument [Line Items]
Debt issuance costs				$ 401
Sevier County Bancshares Inc [Member]
Debt Instrument [Line Items]
Subordinated debt	$ 2,500
Subordinated Debt [Member]
Debt Instrument [Line Items]
Principal amount					$ 40,000
Interest rate					5.625%
Debt issuance costs		$ 380		$ 401
Amortization expense of debt issuance costs		$ 21	$ 21
Subordinated Debt [Member] \| Sevier County Bancshares Inc [Member]
Debt Instrument [Line Items]
Interest rate	6.75%
Subordinated Debt [Member] \| London Interbank Offered Rate (LIBOR) [Member]
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)		2.81161%
Subordinated Debt [Member] \| London Interbank Offered Rate (LIBOR) [Member] \| Sevier County Bancshares Inc [Member]
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	5.3025%

Borrowings and Line of Credit (

Borrowings and Line of Credit (Schedule of debt) (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Borrowings, Line of Credit and Subordinated Debt [Abstract]
Securities sold under agreements to repurchase	$ 3,849	$ 5,078
Other Borrowings	6,000	8,000
Total	$ 9,849	$ 13,078

Employee Benefit Plans (Narrati

Employee Benefit Plans (Narrative) (Details) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($) plan $ / shares shares	Mar. 31, 2023 USD ($) shares
Defined Benefit Plan Disclosure [Line Items]
Contribution to the Plan	$ 500	$ 466
Number of stock option plans \| plan	1
Deferred tax benefit from stock options exercised	$ 14	65
Options, exercises in period, intrinsic value	$ 54	$ 242
Exercise of options \| shares	4,500	15,705
Employee Stock Option [Member]
Defined Benefit Plan Disclosure [Line Items]
Share-based compensation expense	$ 0	$ 0
Options, outstanding, intrinsic value	71
Proceeds from options exercised	43
Stock Appreciation Rights (SARs) [Member]
Defined Benefit Plan Disclosure [Line Items]
Share-based compensation income	(56)	(95)
Restricted Stock [Member]
Defined Benefit Plan Disclosure [Line Items]
Share-based compensation expense	518	$ 538
Unrecognized compensation cost	$ 2,500
Unrecognized compensation costs, period for recognition	2 years 5 months 19 days
Grant-date fair value	$ 842
Vested (in shares) \| shares	39,576
Nonvested, beginning of period (in shares) \| shares	171,770
Nonvested, beginning balance (in dollars per share) \| $ / shares	$ 22.22
2015 Stock Incentive Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Rights issued (in shares) \| shares	11,840
Rights available for grant (in shares) \| shares	1,605,020
401 (k) Matching Range One [Member] \| Deferred Salary Reduction Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Employer matching contribution, percent of match	100%
Employer matching contribution, percent of employees gross pay	3%
401 (k) Matching Range Two [Member] \| Deferred Salary Reduction Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Employer matching contribution, percent of match	50%
Employer matching contribution, percent of employees gross pay	2%

Employee Benefit Plans (Stock O

Employee Benefit Plans (Stock Option Activity) (Details) - $ / shares	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Number
Exercised (in shares)	(4,500)	(15,705)
Officer and Employee Plans [Member]
Number
Outstanding (in shares)	16,340
Exercised (in shares)	(4,500)
Outstanding (in shares)	11,840
Weighted Average Exercisable Price
Weighted Average Exercisable Price, Outstanding (in dollars per share)	$ 13.55
Weighted Average Exercisable Price Exercised (in dollars per share)	9.60
Weighted Average Exercise Price, Outstanding (in dollars per share)	$ 15.05

Employee Benefit Plans (Options

Employee Benefit Plans (Options Outstanding by Exercise Price Range) (Details) - Officer and Employee Plans [Member] - $ / shares	3 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise Prices (in dollars per share)	$ 15.05	$ 13.55
Number Outstanding (in shares)	11,840	16,340
Options Outstanding, Weighted Average Remaining Life	1 year 6 months
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$ 15.05
Exercisable (in shares)	11,840
Options Exercisable, Weighted Average Exercise Price (in dollars per share)	$ 15.05
9.60 [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)	11,840
Options Outstanding, Weighted Average Remaining Life	1 year 6 months
Options Outstanding, Weighted Average Exercise Price (in dollars per share)	$ 15.05
Exercisable (in shares)	11,840
Options Exercisable, Weighted Average Exercise Price (in dollars per share)	$ 15.05

Employee Benefit Plans (Schedul

Employee Benefit Plans (Schedule of Non-vested Restricted Stock) (Details) - Restricted Stock [Member]	3 Months Ended
	Mar. 31, 2024 $ / shares shares
Number
Nonvested, beginning of period (in shares) \| shares	171,770
Granted (in shares) \| shares	69,643
Vested (in shares) \| shares	(39,576)
Forfeited/expired (in shares) \| shares	(886)
Nonvested, end of period (in shares) \| shares	200,951
Weighted Average Grant-Date Fair Value
Nonvested, beginning balance (in dollars per share) \| $ / shares	$ 22.22
Granted (in dollars per share) \| $ / shares	24.15
Vested (in dollars per share) \| $ / shares	21.28
Forfeited/expired (in dollars per share) \| $ / shares	26.53
Nonvested, ending balance (in dollars per share) \| $ / shares	$ 23.06

Employee Benefit Plans (Stock A

Employee Benefit Plans (Stock Appreciation Right Activity) (Details) - $ / shares	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Number
Exercised (in shares)	(4,500)	(15,705)
Stock Appreciation Rights (SARs) [Member]
Number
Outstanding (in shares)	20,000
Outstanding (in shares)	20,000
Weighted Average Exercisable Price
Weighted Average Exercisable Price, Outstanding (in dollars per share)	$ 20.70
Weighted Average Exercise Price, Outstanding (in dollars per share)	$ 20.70

Employee Benefit Plans (SARs Ou

Employee Benefit Plans (SARs Outstanding by Exercise Price Range) (Details) - Stock Appreciation Rights (SARs) [Member] - $ / shares	3 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise Prices (in dollars per share)	$ 20.70	$ 20.70
Number Outstanding (in shares)	20,000	20,000
SARs Outstanding, Weighted Average Remaining Life	9 months
SARs Outstanding, Weighted Average Exercise Price (in dollars per share)	$ 20.70
SARs Exercisable, Number Exercisable (in shares)	20,000
SARs Exercisable, Weighted Average Exercise Price (in dollars per share)	$ 20.70
15.19 [Member]
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise Prices (in dollars per share)	$ 20.70
Number Outstanding (in shares)	20,000
SARs Outstanding, Weighted Average Remaining Life	9 months
SARs Outstanding, Weighted Average Exercise Price (in dollars per share)	$ 20.70
SARs Exercisable, Number Exercisable (in shares)	20,000
SARs Exercisable, Weighted Average Exercise Price (in dollars per share)	$ 20.70

Commitments and Contingencies_2

Commitments and Contingencies (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
Commitments to extend credit	$ 696,828		$ 716,951
Standby letters of credit	17,855		7,611
Allowance for off balance sheet credit	2,000		$ 2,400
Off-balance sheet credit loss expense (credit)	$ (362)	$ 75

Fair Value Disclosures (Assets

Fair Value Disclosures (Assets and Liabilities Measured on Recurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	$ 474,347	$ 408,410
Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	474,347	408,410
Derivative financial instruments and interest rate swap agreements, asset	12,949	12,821
Derivative financial instruments and interest rate swap agreements, liability	13,907	14,807
US Treasury Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	75,275	76,033
US Government-sponsored Enterprises Debt Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	48,949	48,093
Municipal securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	18,018	18,276
Other Debt Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	35,939	33,069
Mortgage-backed securities (GSEs) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	$ 296,166	$ 232,939
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
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, Recurring [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	$ 474,347	$ 408,410
Total assets at fair value	487,296	421,231
Derivative financial instruments and interest rate swap agreements, liability		14,807
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	474,347	408,410
Total assets at fair value	487,296	421,231
Derivative financial instruments and interest rate swap agreements, liability		14,807
Fair Value, Recurring [Member] \| US Treasury Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	75,275	76,033
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	75,275	76,033
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	48,949	48,093
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	48,949	48,093
Fair Value, Recurring [Member] \| Municipal securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	18,018	18,276
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	18,018	18,276
Fair Value, Recurring [Member] \| Other Debt Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, post ASU 2019-04	35,939	33,069
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	35,939	33,069
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	296,166	232,939
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	296,166	232,939
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	12,949	12,821
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	12,949	$ 12,821
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	13,907
Fair Value, Recurring [Member] \| Interest Rate Swap Liability \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Derivative financial instruments and interest rate swap agreements, liability	$ 13,907

Fair Value Disclosures (Asset_2

Fair Value Disclosures (Assets and Liabilities Measured on Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
OREO	$ 179	$ 279
Collateral dependent loans	653	1,295
Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
OREO	179	279
Collateral dependent loans	$ 653	$ 1,295

Fair Value Disclosures (Unobser

Fair Value Disclosures (Unobservable Inputs) (Details) $ in Thousands	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent loans	$ 653	$ 1,295
OREO	179	279
Fair Value, Inputs, Level 3 [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent loans	653	1,295
OREO	179	279
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	653	1,295
OREO	$ 179	$ 279
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	79	73
OREO, measurement input	35	33

Fair Value Disclosures (Carryin

Fair Value Disclosures (Carrying Amount and Estimated Fair Value of Financial Instruments) (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets:
Securities available-for-sale, at fair value, post ASU 2019-04	$ 474,347	$ 408,410
Securities held to maturity, fair value	161,213	262,538
Liabilities:
Noninterest-bearing demand deposits	907,254	898,044
Interest-bearing demand deposits	996,298	1,006,915
Time deposits	538,159	550,468
Carrying Amount [Member]
Assets:
Cash and cash equivalents	477,941	352,271
Securities available-for-sale, at fair value, post ASU 2019-04	474,347	408,410
Securities held to maturity, fair value	180,169	281,236
Other investments	13,718	13,662
Loans and leases, net and loans held for sale	3,448,213	3,413,814
Derivative financial instruments and interest rate swap agreements, asset	12,949	12,821
Liabilities:
Noninterest-bearing demand deposits	907,254	898,044
Interest-bearing demand deposits	996,298	1,006,915
Money market and savings deposits	1,952,410	1,812,427
Time deposits	538,159	550,468
Borrowings	9,849	13,078
Subordinated debt	42,120	42,099
Derivative financial instruments and interest rate swap agreements, liability	13,907	14,807
Estimated Fair Value [Member]
Assets:
Cash and cash equivalents	477,941	352,271
Securities available-for-sale, at fair value, post ASU 2019-04	474,347	408,410
Securities held to maturity, fair value	161,213	262,538
Loans and leases, net and loans held for sale	3,295,376	3,308,980
Derivative financial instruments and interest rate swap agreements, asset	12,949	12,821
Liabilities:
Noninterest-bearing demand deposits	907,254	898,044
Interest-bearing demand deposits	996,298	1,006,915
Money market and savings deposits	1,952,410	1,812,427
Time deposits	534,548	548,397
Borrowings	9,849	13,078
Subordinated debt	39,903	39,822
Derivative financial instruments and interest rate swap agreements, liability	13,907	14,807
Fair Value, Inputs, Level 1 [Member]
Assets:
Cash and cash equivalents	477,941	352,271
Fair Value, Inputs, Level 2 [Member]
Assets:
Securities available-for-sale, at fair value, post ASU 2019-04	474,347	408,410
Securities held to maturity, fair value	161,213	262,538
Derivative financial instruments and interest rate swap agreements, asset	12,949	12,821
Liabilities:
Noninterest-bearing demand deposits	907,254	898,044
Interest-bearing demand deposits	996,298	1,006,915
Money market and savings deposits	1,952,410	1,812,427
Time deposits	534,548	548,397
Borrowings	9,849	13,078
Derivative financial instruments and interest rate swap agreements, liability	13,907	14,807
Fair Value, Inputs, Level 3 [Member]
Assets:
Loans and leases, net and loans held for sale	3,295,376	3,308,980
Liabilities:
Subordinated debt	$ 39,903	$ 39,822

Fair Value Disclosures (Additio

Fair Value Disclosures (Additional) (Detail) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Allowance for credit losses, post ASU 2019-04	$ 34,203	$ 35,066	$ 32,279	$ 23,334
Collateral Pledged [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Allowance for credit losses, post ASU 2019-04	$ 3,100	$ 3,500

Derivatives Financial Instrum_3

Derivatives Financial Instruments (Fair Value Hedges on Balance Sheet) (Details) - Fair Value Hedging [Member] - Designated as Hedging Instrument [Member] - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Interest Rate Swap Liability
Derivatives, Fair Value [Line Items]
Weighted Average Remaining Maturity (In Years)	1 year 11 months 15 days	3 years 4 months 24 days
Weighted Average Pay Rate	4.28%	4.25%
Notional Amount, Liability	$ 22,050	$ 27,050
Estimated Fair Value	$ (100)	$ (536)
Interest Rate Swap, Assets
Derivatives, Fair Value [Line Items]
Weighted Average Remaining Maturity (In Years)	3 years 4 months 17 days
Weighted Average Pay Rate	4.24%
Notional Amount, Asset	$ 26,457
Carrying amount of hedged asset	$ 91

Derivatives Financial Instrum_4

Derivatives Financial Instruments (Fair Value Hedges on Income Statement) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Reported interest income on tax-exempt securities	$ 352	$ 353
Fair Value Hedging [Member] \| Interest Rate Swap [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) on fair value hedging relationship	(9)
Fair Value Hedging [Member] \| Interest Rate Swap [Member] \| Designated as Hedging Instrument [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Interest income on taxable AFS securities	4,442	3,651
Effects of fair value hedge relationships	106
Reported interest income on taxable AFS securities	4,548	$ 3,651
Gain (loss) on fair value hedging relationship	$ 9
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Reported interest income on tax-exempt securities	Reported interest income on tax-exempt securities
Carrying amount of hedged asset	$ 48,507

Derivatives Financial Instrum_5

Derivatives Financial Instruments (Interest Rate Swaps related to Loan Hedging Program) (Details) - Interest Rate Swap [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Cash Flow Hedging [Member] \| Interest Income [Member]
Derivatives, Fair Value [Line Items]
Cash flow hedge estimated to be reclassified in next 12 months	$ 368
Cash Flow Hedging [Member] \| Interest Expense [Member]
Derivatives, Fair Value [Line Items]
Cash flow hedge estimated to be reclassified in next 12 months	259
Designated as Hedging Instrument [Member] \| Cash Flow Hedging [Member]
Derivatives, Fair Value [Line Items]
Notional Amount, Asset	100,000	$ 100,000
Estimated Fair Value, Asset	(1,121)	(556)
Notional Amount, Liability	25,000	150,000
Estimated Fair Value, Liability	(18)	(881)
Notional Amount	150,000	25,000
Estimated Fair Value	207	(7)
Non-hedged derivatives [Member]
Derivatives, Fair Value [Line Items]
Notional Amount, Asset	289,187	294,133
Estimated Fair Value, Asset	12,651	12,813
Notional Amount, Liability	289,187	294,133
Estimated Fair Value, Liability	$ (12,651)	$ (12,813)

Derivatives Financial Instrum_6

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, 2024	Mar. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain or (Loss) Reclassified from AOCI into Income		$ (6)
Derivative Instrument, Gain (Loss) Reclassified from AOCI into Income, Effective Portion, Statement of Income or Comprehensive Income [Extensible Enumeration]		Interest Income, Operating
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	$ (1,121)	$ (581)
Amount of Gain or (Loss) Reclassified from AOCI into Income	$ (204)
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	$ 189
Amount of Gain or (Loss) Reclassified from AOCI into Income	$ (242)

Derivatives Financial Instrum_7

Derivatives Financial Instruments (Effect of Fair Value and Cash Flow Hedge Accounting on the Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Total interest income	$ 59,987	$ 53,184
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]	Total interest income	Total interest income
Total interest expense	$ 28,304	$ 17,196
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest Expense	Interest Expense
Total interest income	$ 59,783	$ 53,178
Total interest expense	31,721	35,982
Interest Income [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Effects of cash flow hedge relationships	(204)	(6)
Total interest income	59,783	53,178
Interest Expense [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Effects of cash flow hedge relationships	(242)
Total interest expense	$ 28,062	$ 17,196

Derivatives Financial Instrum_8

Derivatives Financial Instruments (Interest Rate Swaps to Facilitate Customer's Transactions) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest Rate Swap [Member] \| Non-hedged derivatives [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Transaction on income statement	$ 113	$ 338

Derivatives Financial Instrum_9

Derivatives Financial Instruments (Collateral Requirements) (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Collateral pledged to derivative counterparties	$ 670	$ 390

Leases (Balance Sheet Lease Ass

Leases (Balance Sheet Lease Assets and Liabilities) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Leases [Abstract]
Operating lease right-of-use assets	$ 9,681	$ 9,894
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other Assets	Other Assets
Operating lease liabilities	$ 10,119	$ 10,303
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)

Leases (Narrative) (Details)	Mar. 31, 2024
Leases [Abstract]
Weighted average remaining lease term	8 years 9 months 10 days
Weighted average discount rate	2.88%

Leases (Lease Costs and Other I

Leases (Lease Costs and Other Information) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Lease costs:
Operating lease costs	$ 451	$ 404
Variable lease costs	30	23
Total	481	427
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 421	$ 379

Leases (Lease Maturities) (Deta

Leases (Lease Maturities) (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Leases [Abstract]
Remainder of 2024	$ 1,198
2025	1,407
2026	1,334
2027	1,149
2028	1,144
Thereafter	5,371
Total future minimum lease payments	11,603
Amounts representing interest	(1,484)
Present value of net future minimum lease payments	$ 10,119	$ 10,303

Regulatory Matters (Narrative)

Regulatory Matters (Narrative) (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Banking and Thrift [Abstract]
Dividends	$ 5
Common stock dividends, quarterly (in dollars per share)		$ 0.08

Regulatory Matters (Regulatory

Regulatory Matters (Regulatory Capital Levels) (Details) $ in Thousands	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
SmartFinancial, Inc. [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital (to Risk-Weighted Assets), Actual Amount	$ 456,659	$ 448,050
Tier 1 Capital (to Risk-Weighted Assets), Actual Amount	393,088	385,795
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Actual Amount	393,088	385,795
Tier 1 Capital (to Average Assets), Actual Amount	$ 393,088	$ 385,795
Total Capital (to Risk-Weighted Assets), Actual Ratio (as a percent)	0.1185	0.1180
Tier 1 Capital (to Risk-Weighted Assets), Actual Ratio (as a percent)	0.1020	0.1016
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Actual Ration (as percent)	0.1020	0.1016
Tier 1 Capital (to Average Assets), Actual Ratio (as a percent)	0.0823	0.0827
Total Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Amount	$ 308,231	$ 303,658
Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Amount	231,173	227,744
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Amount	173,380	170,808
Tier 1 Capital (to Average Assets), Minimum for capital adequacy purposes Amount	$ 191,043	$ 186,672
Total Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.0800	0.0800
Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.0600	0.0600
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.0450	0.0450
Tier 1 Capital (to Average Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.0400	0.0400
Smart Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital (to Risk-Weighted Assets), Actual Amount	$ 462,143	$ 456,134
Tier 1 Capital (to Risk-Weighted Assets), Actual Amount	432,268	427,559
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Actual Amount	432,268	427,559
Tier 1 Capital (to Average Assets), Actual Amount	$ 432,268	$ 427,559
Total Capital (to Risk-Weighted Assets), Actual Ratio (as a percent)	0.1200	0.1202
Tier 1 Capital (to Risk-Weighted Assets), Actual Ratio (as a percent)	0.1123	0.1126
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Actual Ration (as percent)	0.1123	0.1126
Tier 1 Capital (to Average Assets), Actual Ratio (as a percent)	0.0907	0.0918
Total Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Amount	$ 307,991	$ 303,680
Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Amount	230,993	227,760
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Amount	173,245	170,820
Tier 1 Capital (to Average Assets), Minimum for capital adequacy purposes Amount	$ 190,725	$ 186,363
Total Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.0800	0.0800
Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.0600	0.0600
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.0450	0.0450
Tier 1 Capital (to Average Assets), Minimum for capital adequacy purposes Ratio (as a percent)	0.0400	0.0400
Total Capital (to Risk-Weighted Assets), Minimum to be well capitalized under prompt corrective action provisions Amount	$ 384,989	$ 379,600
Tier 1 Capital (to Risk-Weighted Assets), Minimum to be well capitalized under prompt corrective action provisions Amount	307,991	303,680
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Minimum to be well capitalized under prompt corrective action provisions Amount	250,243	246,740
Tier 1 Capital (to Average Assets), Minimum to be well capitalized under prompt corrective action provisions Amount	$ 238,406	$ 232,954
Total Capital (to Risk-Weighted Assets), Minimum to be well capitalized under prompt corrective action provisions Ratio (as a percent)	0.1000	0.1000
Tier 1 Capital (to Risk-Weighted Assets), Minimum to be well capitalized under prompt corrective action provisions Ratio (as a percent)	0.0800	0.0800
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Minimum to be well capitalized under prompt corrective action provisions Ratio (as a percent)	0.0650	0.0650
Tier 1 Capital (to Average Assets), Minimum to be well capitalized under prompt corrective action provisions Ratio (as a percent)	0.0500	0.0500

Other comprehensive income (l_3

Other comprehensive income (loss) (Activity in Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
AOCI Attributable to Parent, Net of Tax [Roll Forward]
BALANCE	$ 459,886	$ 432,452
BALANCE	466,796	443,399
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent [Member]
AOCI Attributable to Parent, Net of Tax [Roll Forward]
BALANCE	(23,818)	(33,616)
Other comprehensive income (loss)	(2,304)	6,138
Net other comprehensive income (loss) during period	(2,304)	6,138
BALANCE	(26,122)	(27,478)
AOCI, Available-for-Sale Securities Transfer to Held-to-Maturity [Member]
AOCI Attributable to Parent, Net of Tax [Roll Forward]
BALANCE	(632)	(742)
Reclassification of amounts included in net income	26	30
Net other comprehensive income (loss) during period	26	30
BALANCE	(606)	(712)
Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent [Member]
AOCI Attributable to Parent, Net of Tax [Roll Forward]
BALANCE	(1,060)	(966)
Other comprehensive income (loss)	341	536
Reclassification of amounts included in net income	28
Net other comprehensive income (loss) during period	369	536
BALANCE	(691)	(430)
AOCI Attributable to Parent [Member]
AOCI Attributable to Parent, Net of Tax [Roll Forward]
BALANCE	(25,907)	(35,324)
Other comprehensive income (loss)	(1,651)	6,674
Reclassification of amounts included in net income	133	30
Net other comprehensive income (loss) during period	(1,518)	6,704
BALANCE	(27,425)	$ (28,620)
AOCI, Derivative Qualifying as Hedge, Excluded Component, Parent [Member]
AOCI Attributable to Parent, Net of Tax [Roll Forward]
BALANCE	(397)
Other comprehensive income (loss)	312
Reclassification of amounts included in net income	79
Net other comprehensive income (loss) during period	391
BALANCE	$ (6)

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Mar. 31, 2024	Mar. 31, 2023
Pay vs Performance Disclosure
Net Income (Loss)	$ 9,358	$ 11,500

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Mar. 31, 2024
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