Community Trust Bancorp (CTBI) 10-Q 8 Nov 24 2024 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2024	Oct. 31, 2024
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Document Transition Report	false
Entity File Number	001-31220
Entity Registrant Name	COMMUNITY TRUST BANCORP INC /KY/
Entity Central Index Key	0000350852
Entity Incorporation, State or Country Code	KY
Entity Tax Identification Number	61-0979818
Entity Address, Address Line One	346 North Mayo Trail
Entity Address, Address Line Two	P.O. Box 2947
Entity Address, City or Town	Pikeville
Entity Address, State or Province	KY
Entity Address, Postal Zip Code	41502
City Area Code	606
Local Phone Number	432-1414
Title of 12(b) Security	Common Stock
Trading Symbol	CTBI
Security Exchange Name	NASDAQ
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		18,057,923

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets:
Cash and due from banks	$ 85,944	$ 58,833
Interest bearing deposits	154,996	212,567
Cash and cash equivalents	240,940	271,400
Certificates of deposit in other banks	245	245
Debt securities available-for-sale at fair value (amortized cost of $1,205,289 and $1,301,244, respectively)	1,098,076	1,163,724
Equity securities at fair value	3,266	3,158
Loans held for sale	115	152
Loans	4,350,474	4,050,906
Allowance for credit losses	(53,360)	(49,543)
Net loans	4,297,114	4,001,363
Premises and equipment, net	47,519	45,311
Operating right-of-use assets	11,712	12,607
Finance right-of-use assets	3,006	3,096
Federal Home Loan Bank stock	5,173	4,712
Federal Reserve Bank stock	4,887	4,887
Goodwill	65,490	65,490
Bank owned life insurance	100,915	101,461
Mortgage servicing rights	7,091	7,665
Other real estate owned	1,344	1,616
Deferred tax asset	21,172	28,141
Accrued interest receivable	23,770	23,575
Other assets	31,133	31,093
Total assets	5,962,968	5,769,696
Deposits:
Noninterest bearing	1,204,515	1,260,690
Interest bearing	3,633,747	3,463,932
Total deposits	4,838,262	4,724,622
Repurchase agreements	233,324	225,245
Federal funds purchased	500	500
Advances from Federal Home Loan Bank	319	334
Long-term debt	64,074	64,241
Operating lease liability	12,088	12,958
Finance lease liability	3,442	3,435
Accrued interest payable	16,304	7,389
Other liabilities	33,893	28,764
Total liabilities	5,202,206	5,067,488
Shareholders' equity:
Preferred stock, 300,000 shares authorized and unissued	0	0
Common stock, $5.00 par value, shares authorized 25,000,000; shares issued and outstanding 2024 - 18,052,147; 2023 - 17,999,840	90,261	89,999
Capital surplus	233,263	231,130
Retained earnings	517,814	484,400
Accumulated other comprehensive loss, net of tax	(80,576)	(103,321)
Total shareholders' equity	760,762	702,208
Total liabilities and shareholders' equity	$ 5,962,968	$ 5,769,696

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets:
Debt securities available-for-sale at amortized cost	$ 1,205,289	$ 1,301,244
Shareholders' equity:
Preferred stock, shares authorized (in shares)	300,000	300,000
Common stock, par value (in dollars per share)	$ 5	$ 5
Common stock, shares authorized (in shares)	25,000,000	25,000,000
Common stock, shares issued (in shares)	18,052,147	17,999,840
Common stock, shares outstanding (in shares)	18,052,147	17,999,840

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income and Comprehensive Income - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest income:
Interest and fees on loans, including loans held for sale	$ 70,805	$ 60,156	$ 202,785	$ 167,925
Interest and dividends on securities
Taxable	6,025	6,831	19,087	20,400
Tax exempt	623	665	1,935	2,016
Interest and dividends on Federal Reserve Bank and Federal Home Loan Bank stock	180	168	564	514
Interest on Federal Reserve Bank deposits	2,044	1,616	6,756	4,255
Other, including interest on federal funds sold	137	63	337	211
Total interest income	79,814	69,499	231,464	195,321
Interest expense:
Interest on deposits	28,800	21,733	83,620	54,586
Interest on repurchase agreements and federal funds purchased	2,681	2,524	7,897	6,330
Interest on advances from Federal Home Loan Bank	0	954	15	1,004
Interest on long-term debt	1,134	1,148	3,464	3,266
Total interest expense	32,615	26,359	94,996	65,186
Net interest income	47,199	43,140	136,468	130,135
Provision for credit losses	2,736	1,871	8,364	4,996
Net interest income after provision for credit losses	44,463	41,269	128,104	125,139
Noninterest income:
Deposit related fees	7,886	7,823	22,205	22,623
Gains on sales of loans, net	80	105	244	341
Trust and wealth management income	3,707	3,277	10,960	9,707
Loan related fees	813	1,283	3,485	3,325
Bank owned life insurance	1,214	1,108	4,321	2,701
Brokerage revenue	563	452	1,736	1,188
Securities gains	213	355	110	738
Other noninterest income	1,087	1,093	3,344	3,311
Total noninterest income	15,563	15,496	46,405	43,934
Noninterest expense:
Officer salaries and employee benefits	3,715	3,725	12,088	11,451
Other salaries and employee benefits	15,806	14,328	47,146	43,815
Occupancy, net	2,374	2,154	7,127	6,637
Equipment	698	721	2,062	2,161
Data processing	2,804	2,410	7,991	7,096
Bank franchise tax	422	406	1,270	1,244
Legal fees	304	234	819	883
Professional fees	720	488	2,015	1,567
Advertising and marketing	876	767	2,309	2,291
FDIC insurance	629	612	1,916	1,828
Repossession expense	256	109	779	438
Other noninterest expense	3,908	4,893	11,632	14,351
Total noninterest expense	32,512	30,847	97,154	93,762
Income before income taxes	27,514	25,918	77,355	75,311
Income taxes	5,372	5,290	17,035	15,966
Net income	22,142	20,628	60,320	59,345
Unrealized holding gains (losses) on debt securities available-for-sale:
Unrealized holding gains (losses) arising during the period	35,346	(26,766)	30,309	(13,878)
Less: Reclassification adjustments for realized gains included in net income	1	0	2	4
Tax expense (benefit)	8,820	(6,679)	7,562	(1,633)
Other comprehensive gain (loss), net of tax	26,525	(20,087)	22,745	(12,249)
Comprehensive income	$ 48,667	$ 541	$ 83,065	$ 47,096
Basic earnings per share (in dollars per share)	$ 1.23	$ 1.15	$ 3.36	$ 3.32
Diluted earnings per share (in dollars per share)	$ 1.23	$ 1.15	$ 3.36	$ 3.32
Weighted average shares outstanding-basic (in shares)	17,962	17,893	17,942	17,882
Weighted average shares outstanding-diluted (in shares)	17,991	17,904	17,965	17,892

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Retained Earnings [Member] Cumulative Effect, Period of Adoption, Adjustment [Member]	Accumulated Other Comprehensive Income (Loss), Net of Tax [Member]	Total	Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at Dec. 31, 2022	$ 89,591	$ 229,012	$ 438,596		$ (129,152)	$ 628,047
Balance (in shares) at Dec. 31, 2022	17,918,280
Increase (Decrease) in Stockholders' Equity [Roll forward]
Net income			59,345			59,345
Other comprehensive income (loss)					(12,249)	(12,249)
Cash dividends declared			(23,965)			(23,965)
Issuance of common stock	$ 212	625				837
Issuance of common stock (in shares)	42,473
Issuance of restricted stock	$ 264	(264)				0
Issuance of restricted stock (in shares)	52,865
Vesting of restricted stock	$ (107)	107				0
Vesting of restricted stock (in shares)	(21,409)
Forfeiture of restricted stock	$ (4)
Forfeiture of restricted stock		4				0
Forfeiture of restricted stock (in shares)	(790)
Stock-based compensation		1,019				1,019
Balance at Sep. 30, 2023	$ 89,956	230,503	473,976		(141,401)	653,034
Balance (in shares) at Sep. 30, 2023	17,991,419
Balance at Jun. 30, 2023	$ 89,918	229,943	461,578		(121,314)	660,125
Balance (in shares) at Jun. 30, 2023	17,983,700
Increase (Decrease) in Stockholders' Equity [Roll forward]
Net income			20,628			20,628
Other comprehensive income (loss)					(20,087)	(20,087)
Cash dividends declared			(8,230)			(8,230)
Issuance of common stock	$ 38	241				279
Issuance of common stock (in shares)	7,751
Vesting of restricted stock	$ 0	0				0
Vesting of restricted stock (in shares)	(32)
Stock-based compensation		319				319
Balance at Sep. 30, 2023	$ 89,956	230,503	473,976		(141,401)	653,034
Balance (in shares) at Sep. 30, 2023	17,991,419
Balance at Dec. 31, 2023	$ 89,999	231,130	484,400		(103,321)	$ 702,208
Balance (in shares) at Dec. 31, 2023	17,999,840					17,999,840
Increase (Decrease) in Stockholders' Equity [Roll forward]
Net income			60,320			$ 60,320
Other comprehensive income (loss)					22,745	22,745
Cash dividends declared			(24,945)			(24,945)
Issuance of common stock	$ 313	1,182				1,495
Issuance of common stock (in shares)	62,575
Issuance of restricted stock	$ 75	(75)				0
Issuance of restricted stock (in shares)	15,000
Vesting of restricted stock	$ (114)	114				0
Vesting of restricted stock (in shares)	(22,831)
Forfeiture of restricted stock	$ (12)
Forfeiture of restricted stock		12				0
Forfeiture of restricted stock (in shares)	(2,437)
Stock-based compensation		900				900
Accounting Standards Update [Extensible Enumeration]				Accounting Standards Update 2023-02 [Member]			Accounting Standards Update 2023-02 [Member]
Balance at Sep. 30, 2024	$ 90,261	233,263	517,814	$ (1,961)	(80,576)	$ 760,762	$ (1,961)
Balance (in shares) at Sep. 30, 2024	18,052,147					18,052,147
Balance at Jun. 30, 2024	$ 90,129	232,179	504,116		(107,101)	$ 719,323
Balance (in shares) at Jun. 30, 2024	18,025,763
Increase (Decrease) in Stockholders' Equity [Roll forward]
Net income			22,142			22,142
Other comprehensive income (loss)					26,525	26,525
Cash dividends declared			(8,444)			(8,444)
Issuance of common stock	$ 132	791				923
Issuance of common stock (in shares)	26,384
Vesting of restricted stock	$ 0	0				0
Vesting of restricted stock (in shares)	0
Forfeiture of restricted stock	$ 0
Forfeiture of restricted stock		0				0
Forfeiture of restricted stock (in shares)	0
Stock-based compensation		293				293
Balance at Sep. 30, 2024	$ 90,261	$ 233,263	$ 517,814	$ (1,961)	$ (80,576)	$ 760,762	$ (1,961)
Balance (in shares) at Sep. 30, 2024	18,052,147					18,052,147

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Increase (Decrease) in Stockholders' Equity [Roll forward]
Dividends declared per share (in dollars per share)	$ 0.47	$ 0.46	$ 1.39	$ 1.34

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Cash flows from operating activities:
Net income	$ 22,142	$ 20,628	$ 60,320	$ 59,345
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization			3,760	4,034
Deferred taxes			250	243
Stock-based compensation			1,021	1,152
Provision for credit losses	2,736	1,871	8,364	4,996	$ 6,811
Write-downs of other real estate owned and other repossessed assets			49	230
Gains on sale of mortgage loans held for sale	(80)	(105)	(244)	(341)
Securities gains	(1)		(2)	(4)
Fair value adjustments in equity securities	(212)	(355)	(108)	(734)
Gains on sale of assets, net			(100)	(378)
Proceeds from sale of mortgage loans held for sale			9,344	13,271
Funding of mortgage loans held for sale			(9,063)	(12,821)
Amortization of securities premiums and discounts, net			1,968	2,094
Change in cash surrender value of bank owned life insurance			(3,401)	(1,850)
Changes in lease liabilities			(863)	(1,201)
Mortgage servicing rights:
Fair value adjustments			674	320
New servicing assets created			(100)	(141)
Changes in:
Accrued interest receivable			(195)	(1,875)
Other assets			(2,844)	(5,561)
Accrued interest payable			8,915	5,973
Other liabilities			5,023	(986)
Net cash provided by operating activities			82,768	65,766
Securities available-for-sale (AFS):
Purchase of AFS securities			(51,192)	(9,398)
Proceeds from sales of AFS securities			13,712	20,670
Proceeds from prepayments, calls, and maturities of AFS securities			131,469	93,104
Change in loans, net			(304,365)	(277,466)
Purchase of premises and equipment			(5,044)	(5,027)
Proceeds from sale and retirement of premises and equipment			70	349
Purchase of Federal Home Loan Bank stock			(461)	(994)
Proceeds from sale of other real estate owned and repossessed assets			577	819
Additional investment in other real estate owned and repossessed assets			(13)	(47)
Liquidation of cash surrender value of bank owned life insurance			2,356	241
Proceeds from settlement of bank owned life insurance			1,591	336
Net cash used in investing activities			(211,300)	(177,413)
Cash flows from financing activities:
Change in deposits, net			113,640	201,749
Change in repurchase agreements and federal funds purchased, net			8,079	17,146
Proceeds from Federal Home Loan Bank advances			100,000	225,000
Payments on advances from Federal Home Loan Bank			(100,015)	(225,015)
Proceeds from long-term debt/other borrowings			0	6,563
Repayment of long-term debt/other borrowings			(167)	(108)
Issuance of common stock			1,495	837
Dividends paid			(24,960)	(23,953)
Net cash provided by financing activities			98,072	202,219
Net increase in cash and cash equivalents			(30,460)	90,572
Cash and cash equivalents at beginning of period			271,400	128,686	128,686
Cash and cash equivalents at end of period	$ 240,940	$ 219,258	240,940	219,258	$ 271,400
Supplemental disclosures:
Income taxes paid			17,206	17,628
Interest paid			86,081	59,213
Non-cash activities:
Loans to facilitate the sale of other real estate owned and repossessed assets			238	1,022
Common stock dividends accrued, paid in subsequent quarter			276	291
Real estate acquired in settlement of loans			488	500
Right-of-use assets obtained in exchange for new operating lease liabilities			$ 0	$ 364

Summary of Significant Accounti

Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2024
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Note 1 - Summary of Significant Accounting Policies In the opinion of management, the unaudited condensed consolidated financial statements include all adjustments (which consist of normal recurring adjustments) necessary, to present fairly the condensed consolidated financial position as of September 30, 2024, the results of operations, other comprehensive income (loss), and the changes in shareholders’ equity for the three and nine months ended September 30, 2024 and 2023, (“GAAP”) GAAP for the three and nine months ended September 30, 2024 and 2023 Principles of Consolidation – The unaudited condensed consolidated financial statements include the accounts of CTBI and its separate and distinct, wholly owned subsidiaries Community Trust Bank, Inc. (“CTB”) and Community Trust and Investment Company. All significant intercompany transactions have been eliminated in consolidation. New Accounting Standards – ➢ Facilitation of the Effects of Reference Rate Reform on Financial Reporting In December 2022, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2022-06, Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848 , Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting , On January 27, 2023, CTBI received notice from the trustee of the trust subsidiary, that based on their review of the junior subordinated debentures and the related trust preferred securities (the “TRUPS Documents”), after application of the LIBOR Act (as implemented by the Final Regulations (defined below), the “LIBOR Act”) and the final regulations of the Board of Governors of the Federal Reserve System issued on December 16, 2022 implementing the LIBOR Act (the “Final Regulations”), the TRUPS Documents issued by the trust subsidiary do not provide a replacement rate for Applicable LIBOR (a “Replacement Rate”) or include other fallback provisions which would apply on the first London banking day after June 30, 2023 (the “LIBOR Replacement Date”). Absent an amendment to the TRUPS Documents, some other change in applicable law, rule, regulation, or some other development, the LIBOR Act as implemented by the Final Regulations provides that (i) on and after the LIBOR Replacement Date, 3-month CME Term SOFR SOFR ➢ Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions Fair Value Measurement Topic 820: Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions Fair Value Measurement . ➢ FASB Improves the Accounting for Investments in Tax Credit Structures – 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, which is intended to improve the accounting and disclosures for investments in tax credit structures. This ASU is a consensus of the FASB’s Emerging Issues Task Force (“EITF”). This ASU allows reporting entities to elect to account for qualifying tax equity investments using the proportional amortization method, rega rdless of the program giving rise to the related income tax credits. This ASU responds to stakeholder feedback that the proportional amortization method provides investors and other allocators of capital with a better understanding of the returns from investments that are made primarily for the purpose of receiving income tax credits and other income tax benefits. Reporting entities were previously permitted to apply the proportional amortization method only to qualifying tax equity investments in low-income housing tax credit (“LIHTC”) structures. In recent years, stakeholders asked the FASB to extend the application of the proportional amortization method to qualifying tax equity investments that generate tax credits through other programs, which resulted in the EITF addressing this issue. For public business entities, the amendments are effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. As a result of the implementation of this ASU, we recorded a cumulative effect impact that reduced retained earnings by $2.0 million during the first quarter 2024 decrease in amortization expense, recognized in other direct expenses The amortization expense included in income tax expense were included in income tax expense We had $16.8 million in tax investments at September 30, 2024 included in other assets Of the amount outstanding, the contribution schedule is as follows: (in thousands) Amount due in: Unfunded Commitments 2024 $ 1,835 2025 2,000 2026 315 2027 146 2028 146 After 508 ➢ FASB Issues Improvements to Reportable Segment Disclosures Segment Reporting (Topic 280), Improvements to Reportable Segment Disclosures. ➢ FASB Issues Standard that Enhance Income Tax Disclosures – In December 2023, the FASB issued ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures (2) income taxes paid disaggregated by jurisdiction. It also includes certain other amendments intended to improve the effectiveness of income tax disclosures. CTBI does not intend to early adopt. We do not anticipate a significant impact to our consolidated financial statements. Significant Accounting Policies – The preparation of consolidated financial statements in conformity with GAAP requires We believe the application of accounting policies and the estimates required therein are reasonable. These accounting policies and estimates are constantly reevaluated, and adjustments are made when facts and circumstances dictate a change. Historically, we have found our application of accounting policies to be appropriate, and actual results have not differed materially from those determined using necessary estimates. We have identified the following significant accounting policies: Investments – FASB Investments – Debt Securities a. Trading securities . . b. Available-for-sale securities. Investments not classified as trading securities (nor as HTM securities) shall be classified as available-for-sale (“AFS”) securities. We do not have any securities that are classified as trading securities. AFS securities are reported at fair value, with unrealized gains and losses included as a separate component of shareholders’ equity, net of tax. If declines in fair value are other than temporary, the carrying value of the securities is written down to fair value as a realized loss with a charge to income for the portion attributable to credit losses and a charge to other comprehensive income for the portion that is not credit related. For AFS debt securities in an unrealized loss position, we evaluate the securities to determine whether the decline in the fair value below the amortized cost basis (impairment) is due to credit-related factors or non-credit related factors. Any impairment that is not credit-related is recognized in accumulated other comprehensive income, net of tax. Credit-related impairment is recognized as an allowance for credit losses (“ACL”) for AFS debt securities on the consolidated balance sheet, limited to the amount by which the amortized cost basis exceeds the fair value, with a corresponding adjustment to earnings. Accrued interest receivable on AFS debt securities is excluded from the estimate of credit losses. Both the ACL for AFS debt securities and the adjustment to net income may be reversed if conditions change. However, if we intend to sell an impaired AFS debt security or more likely than not will be required to sell such a security before recovering its amortized cost basis, the entire impairment amount would be recognized in earnings with a corresponding adjustment to the security’s amortized cost basis. Because the security’s amortized cost basis is adjusted to fair value, there is no ACL for AFS debt securities in this situation. In evaluating AFS debt securities in unrealized loss positions for impairment and the criteria regarding its intent or requirement to sell such securities, we consider the extent to which fair value is less than amortized cost, whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuers’ financial condition, among other factors. There were no credit related factors underlying unrealized losses on AFS debt securities at September 30, 2024 and December 31, 2023, therefore, no ACL for AFS securities was recorded. Changes in the ACL for AFS debt securities are recorded as expense. Losses are charged against the ACL for AFS debt securities when management believes the uncollectability of an AFS debt security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Gains or losses on disposition of debt securities are computed by specific identification for those securities. Interest and dividend income, adjusted by amortization of purchase premium or discount, is included in earnings. HTM securities are subject to an allowance for lifetime expected credit losses, determined by adjusting historical loss information for current conditions and reasonable and supportable forecasts. The forward-looking evaluation of lifetime expected losses will be performed on a pooled basis for debt securities that share similar risk characteristics. These allowances for expected losses must be made by the holder of the HTM debt security when the security is purchased. At September 30, 2024 and 2023, CTBI held no securities designated as HTM. CTBI accounts for equity securities in accordance with ASC 321, Investments – Equity Securities Equity securities with a readily determinable fair value are required to be measured at fair value, with changes in fair value recognized in net income. Equity securities without a readily determinable fair value are carried at cost, less any impairment, if any, plus or minus changes resulting from observable price changes for identical or similar investments. As permitted by ASC 321-10-35-2, CTBI can make an irrevocable election to subsequently measure an equity security without a readily determinable fair value, and all identical or similar investments of the same issuer, including future purchases of identical or similar investments of the same issuer, at fair value. CTBI has made this election for our Visa Class B equity securities. The fair value of these securities was determined by a third party service provider using Level 3 inputs as defined in ASC 820, Fair Value Measurement Loans – Allowance for Credit Losses – In the event that collection of principal becomes uncertain, CTBI has policies in place to reverse accrued interest in a timely manner. Therefore, CTBI elected ASU 2019-04 which allows that accrued interest would continue to be presented separately and not part of the amortized cost of the loan. The methodology used by CTBI is developed using the current loan balance, which is then compared to amortized cost balances to analyze the impact. The difference in amortized cost basis versus consideration of loan balances impacts the ACL calculation by one We maintain an ACL at a level that is appropriate to cover estimated credit losses on individually evaluated loans, as well as estimated credit losses inherent in the remainder of the loan and lease portfolio. Credit losses are charged and recoveries are credited to the ACL. We utilize an internal risk grading system for commercial credits. Those credits that meet the following criteria are subject to individual evaluation: the loan has an outstanding bank share balance of $1 million or greater and meets one of the following criteria: (i) has a criticized risk rating, (ii) is in nonaccrual status, (iii) the borrower is experiencing financial difficulty with significant payment delay, or (iv) is 90 days or more past due. The borrower’s cash flow, adequacy of collateral coverage, and other options available to CTBI, including legal remedies, are evaluated. We evaluate the collectability of both principal and interest when assessing the need for loss provision. Historical loss rates are analyzed and applied to other commercial loan segments not subject to individual evaluation. Homogenous loans, such as consumer installment, residential mortgages, and home equity lines are not individually risk graded. The associated ACL for these loans is measured in pools with similar risk characteristics under ASC 326. When any secured commercial loan is considered uncollectable, whether past due or not, a current assessment of the value of the underlying collateral is made. If the balance of the loan exceeds the fair value of the collateral, the loan is placed on nonaccrual and the loan is charged down to the value of the collateral less estimated cost to sell. For commercial loans greater than $1 million that are categorized as individually evaluated based on the criteria listed above , All closed-end consumer loans (excluding conventional 1-4 family residential loans and installment and revolving loans secured by real estate) are charged off no later than 120 days (five monthly payments) delinquent. If a loan is considered uncollectable, it is charged off earlier than 120 days delinquent. For conventional 1-4 family residential loans and installment and revolving loans secured by real estate, when a loan is 90 days past due, a current assessment of the value of the real estate is made. If the balance of the loan exceeds the fair value of the property, the loan is placed on nonaccrual. Foreclosure proceedings are normally initiated after 120 days. When the foreclosed property has been legally assigned to CTBI, the fair value less estimated costs to sell is transferred to other real estate owned and the remaining balance is taken as a charge-off. CTBI utilizes third party software and discounted cash flow loss rate methodologies for all loan segments. Within the discount cash flow calculation, an effective yield of the instrument is calculated, net of the impacts of prepayment assumptions, and the instrument expected cash flows. The expected cash flows were modeled considering probability of default and segment-specific loss given default (“LGD”) risk factors, utilizing the software’s proprietary database of financial institutions’ filings, evaluated first by geography and asset size and then with the utilization of standard deviations, to assure relevance to CTBI’s loan segments along with CTBI’s own loss history. Cash flows are then discounted at that effective yield to produce an instrument-level net present value (“NPV”) of expected cash flows. An ACL is established for the difference between the instrument’s NPV and amortized cost basis. Any changes in NPV between periods is recorded as provision for credit losses. The modeling of expected prepayment speeds, curtailment rates, and time to recovery are based on historical internal data and adjusted, if necessary, based on the reasonable and supportable forecast of economic conditions. Management incorporates qualitative factors to loss estimates used to derive CTBI’s total ACL including delinquency trends, current economic conditions and trends, strength of supervision and administration of the loan portfolio, levels of underperforming loans, underwriting exceptions, and industry concentrations. Forecast factors include gross domestic product, retail and food service sales, and S&P/Case-Shiller US National Home Price Index. Management continually reevaluates the other subjective factors included in our ACL analysis. Goodwill and Core Deposit Intangible – We evaluate total goodwill and core deposit intangible for impairment, based upon ASC 350, Intangibles-Goodwill and Other, using fair value techniques including multiples of price/equity. Goodwill and core deposit intangible are evaluated for impairment on an annual basis or as other events may warrant. The balance of goodwill, at $65.5 million, has not changed since January 1, 2015. – Income tax expense is based on the taxes due on the consolidated tax return plus deferred taxes based on the expected future tax benefits and consequences of temporary differences between carrying amounts and tax bases of assets and liabilities, using enacted tax rates. Any interest and penalties incurred in connection with income taxes are recorded as a component of income tax expense in our consolidated financial statements. During the nine months ended September 30, 2024 and 2023, CTBI has not recognized a significant amount of interest expense or penalties in connection with income taxes . Estimated Credit Losses on Off-Balance Sheet Credit Exposures Recognized as Other Liabilitie – CTBI estimates expected credit losses over the contractual period in which it has exposure to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by CTBI. The ACL on off-balance sheet credit exposures recognized in other liabilities, is adjusted as an expense in other non-interest expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated lives. Estimating credit losses on unfunded commitments requires CTBI to consider the following categories of off-balance sheet credit exposure: unfunded commitments to extend credit, unfunded lines of credit, and standby letters of credit. Each of these unfunded commitments is then analyzed for a probability of funding to calculate a probable funding amount. The life of loan loss factor by related portfolio segment from the loan ACL calculation is then applied to the probable funding amount to calculate the estimated credit losses on off-balance sheet credit exposures recognized as other liabilities .

Stock-Based Compensation

Stock-Based Compensation	9 Months Ended
	Sep. 30, 2024
Stock-Based Compensation [Abstract]
Stock-Based Compensation	Note 2 – Stock-Based Compensation Restricted stock expense for the three months ended September 30, 2024 and 2023 was $293 thousand and $364 thousand, respectively, including $41 thousand and $45 thousand, respectively, respectively, ghted average period of 2.6 years. There were no shares of restricted stock granted during the three months ended September 30, 2024 and 2023. There were 15,000 and 52,865 shares of restricted stock granted during the nine months ended September 30, 2024 and 2023, respectively. The restricted stock was issued pursuant to the terms of CTBI’s 2015 Stock Ownership Incentive Plan. There were no shares forfeited during the three months ended September 30, 2024 and 2023. There were 2,437 and 790 shares of restricted stock forfeited during the nine months ended September 30, 2024 and 2023, respectively. There was compensation expense related to stock option grants for the nine months ended September 30, 2024 and 2023. As of September 30, 2024, there was no unrecognized compensation expense related to unvested stock option awards, as all stock option awards have fully vested. There were stock options granted in the first nine months of 2024 or 2023

Securities

Securities	9 Months Ended
	Sep. 30, 2024
Securities [Abstract]
Securities	Note 3 – Securities The amortized cost and fair value of debt securities at September Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasury and government agencies $ 361,391 $ 106 $ (17,297 ) $ 344,200 State and political subdivisions 306,163 124 (40,416 ) 265,871 U.S. government sponsored agency mortgage-backed securities 488,382 283 (49,916 ) 438,749 Asset-backed securities 49,353 11 (108 ) 49,256 Total available-for-sale securities $ 1,205,289 $ 524 $ (107,737 ) $ 1,098,076 The amortized cost and fair value of debt securities at December 31, 2023 are summarized as follows: Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasury and government agencies $ 381,268 $ 121 $ (26,572 ) $ 354,817 State and political subdivisions 313,147 88 (48,290 ) 264,945 U.S. government sponsored agency mortgage-backed securities 518,836 36 (62,136 ) 456,736 Asset-backed securities 87,993 0 (767 ) 87,226 Total available-for-sale securities $ 1,301,244 $ 245 $ (137,765 ) $ 1,163,724 The amortized cost and fair value of debt securities at September 30, 2024 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Available-for-Sale (in thousands) Amortized Cost Fair Value Due in one year or less $ 114,439 $ 112,880 Due after one through five years 284,062 265,955 Due after five through ten years 131,994 117,251 Due after ten years 137,059 113,985 U.S. government sponsored agency mortgage-backed securities 488,382 438,749 Asset-backed securities 49,353 49,256 Total debt securities $ 1,205,289 $ 1,098,076 During the three months ended September September During the nine months ended September September Equity Securities at Fair Value CTBI made the election permitted by ASC 321-10-35-2 to record its Visa Class B shares at fair value. Equity securities at fair value as of September September The amortized cost of securities pledged as collateral, to secure public deposits and for other purposes, was $640.8 million at September The amortized cost of securities sold under agreements to repurchase amounted to $328.4 million at September CTBI evaluates its investment portfolio on a quarterly basis for impairment. The analysis performed as of September September September Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 0 $ 0 $ 0 State and political subdivisions 635 (24 ) 611 U.S. government sponsored agency mortgage-backed securities 26,266 (188 ) 26,078 Asset-backed securities 24,547 (34 ) 24,513 Total <12 months 51,448 (246 ) 51,202 12 Months or More U.S. Treasury and government agencies 351,541 (17,297 ) 334,244 State and political subdivisions 289,200 (40,392 ) 248,808 U.S. government sponsored agency mortgage-backed securities 435,447 (49,728 ) 385,719 Asset-backed securities 15,939 (74 ) 15,865 Total ≥12 months 1,092,127 (107,491 ) 984,636 Total U.S. Treasury and government agencies 351,541 (17,297 ) 334,244 State and political subdivisions 289,835 (40,416 ) 249,419 U.S. government sponsored agency mortgage-backed securities 461,713 (49,916 ) 411,797 Asset-backed securities 40,486 (108 ) 40,378 Total $ 1,143,575 $ (107,737 ) $ 1,035,838 The analysis performed as of December 31, 2023 indicated that all impairment was considered temporary, market and interest rate driven, and not credit-related. The following table provides the amortized cost, gross unrealized losses, and fair value, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position as of December 31, 2023 that are not deemed to be other-than-temporarily impaired. Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 3,761 $ (5 ) $ 3,756 State and political subdivisions 16,154 (1,250 ) 14,904 U.S. government sponsored agency mortgage-backed securities 16,056 (289 ) 15,767 Asset-backed securities 0 0 0 Total <12 months 35,971 (1,544 ) 34,427 12 Months or More U.S. Treasury and government agencies 361,038 (26,567 ) 334,471 State and political subdivisions 284,397 (47,040 ) 237,357 U.S. government sponsored agency mortgage-backed securities 500,763 (61,847 ) 438,916 Asset-backed securities 87,993 (767 ) 87,226 Total ≥12 months 1,234,191 (136,221 ) 1,097,970 Total U.S. Treasury and government agencies 364,799 (26,572 ) 338,227 State and political subdivisions 300,551 (48,290 ) 252,261 U.S. government sponsored agency mortgage-backed securities 516,819 (62,136 ) 454,683 Asset-backed securities 87,993 (767 ) 87,226 Total $ 1,270,162 $ (137,765 ) $ 1,132,397 U.S. Treasury and Government Agencies The unrealized losses in U.S. Treasury and government agencies were caused by interest rate changes. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than par which will equal amortized cost at maturity. CTBI does not intend to sell the investments and it is not more likely than not that we will be required to sell the investments before recovery of their amortized cost. State and Political Subdivisions The unrealized losses in securities of state and political subdivisions were caused by interest rate changes. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than par which will equal amortized cost at maturity. CTBI does not intend to sell the investments before recovery of their amortized cost and it is not more likely than not that we will be required to sell the investments before recovery of their amortized cost. U.S. Government Sponsored Agency Mortgage-Backed Securities The unrealized losses in U.S. government sponsored agency mortgage-backed securities were caused by interest rate changes. CTBI expects to recover the amortized cost basis over the term of the securities. CTBI does not intend to sell the investments and it is not more likely than not that we will be required to sell the investments before recovery of their amortized cost. Asset-Backed Securities The unrealized losses in asset-backed securities were caused by interest rate changes. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than par which will equal amortized cost at maturity. CTBI does not intend to sell the investments and it is not more likely than not that we will be required to sell the investments before recovery of their amortized cost.

Loans

Loans	9 Months Ended
	Sep. 30, 2024
Loans [Abstract]
Loans	Note 4 – Loans Major classifications of loans, net of unearned income, deferred loan origination costs and fees, and net premiums on acquired loans, are summarized as follows: (in thousands) September 30 2024 December 31 2023 Hotel/motel $ 453,465 $ 395,765 Commercial real estate residential 485,004 417,943 Commercial real estate nonresidential 834,985 778,637 Dealer floorplans 86,693 70,308 Commercial other 353,943 321,082 Commercial loans 2,214,090 1,983,735 Real estate mortgage 1,003,123 937,524 Home equity lines 163,013 147,036 Residential loans 1,166,136 1,084,560 Consumer direct 154,061 159,106 Consumer indirect 816,187 823,505 Consumer loans 970,248 982,611 Loans and lease financing $ 4,350,474 $ 4,050,906 The loan portfolios presented above are net of unearned fees and unamortized premiums. Unearned fees included above totaled $0.4 million as of September 30, 2024 and $ million as of December 31, 2023, while the unamortized premiums on the indirect lending portfolio totaled $ million as of September 30, 2024 and $ million as of December 31, 2023 CTBI has segregated and evaluates our loan portfolio through nine portfolio segments with similar risk characteristics. CTBI serves customers in small and mid-sized communities in eastern, northeastern, central, and south central Kentucky, southern West Virginia, and northeastern Tennessee. Therefore, CTBI’s exposure to credit risk is significantly affected by changes in these communities. Hotel/motel loans are a significant concentration for CTBI, representing approximately of total loans. This industry has unique risk characteristics as it is highly susceptible to changes in the domestic and global economic environments, which can cause the industry to experience substantial volatility. Additionally, any hotel/motel construction loans would be included in this segment as CTBI’s construction loans are primarily completed as loan going from construction to permanent financing. These loans are originated based on the borrower’s ability to service the debt and arily based on the fair value of the underlying collateral. Commercial real estate residential loans are commercial purpose construction and permanent financed loans for commercial purpose - family/multi-family properties. These loans are originated based on the borrower’s ability to service the debt and arily based on the fair value of the underlying collateral. Commercial real estate nonresidential loans are secured by nonfarm, nonresidential properties, farmland, and other commercial real estate. These loans are originated based on the borrower’s ability to service the debt and arily based on the fair value of the underlying collateral. Construction for commercial real estate nonresidential loans are also included in this segment as these loans are generally loan for construction to permanent financing. Dealer floorplans consist of loans to dealerships to finance inventory and are collateralized under a blanket security agreement and without specific liens on individual units. This risk is mitigated by the use of periodic inventory audits. These audits are performed monthly and follow up is required on any out of compliance items identified. These audits are subject to increasing frequency when fact patterns suggest more scrutiny is required. Commercial other loans consist of agricultural loans, receivable financing, loans to financial institutions, loans for purchasing or carrying securities, and other commercial purpose loans. Commercial loans are underwritten based on the borrower’s ability to service debt from the business’s underlying cash flows. As a general practice, we obtain collateral such as equipment, or other assets, although such loans may be uncollateralized but guaranteed. Residential real estate loans are a mixture of fixed rate and adjustable rate first and second lien residential mortgage loans and also include real estate construction loans which are typically for owner-occupied properties. The terms of the real estate construction loans are generally short-term with permanent financing upon completion. As a policy, CTBI holds adjustable rate loans and sells the majority of our fixed rate first lien mortgage loans into the secondary market. Changes in interest rates or market conditions may impact a borrower’s ability to meet contractual principal and interest payments. Residential real estate loans are secured by real property. Home equity lines are primarily revolving adjustable rate credit lines secured by real property. Consumer direct loans are a mixture of fixed rate and adjustable rate products comprised of unsecured loans, consumer revolving credit lines, deposit secured loans, and all other consumer purpose loans. I ndirect loans are primarily fixed rate consumer loans secured by automobiles, trucks, vans, and recreational vehicles originated at the selling dealership underwritten and purchased by CTBI’s indirect lending department. Both new and used products are financed. Only dealers who have executed dealer agreements with CTBI participate in the indirect lending program. Not included in the loan balances above were loans held for sale in the amount of $0.1 million at September 30, 2024 and $0.2 million at December 31, 2023. The following tables present the balance in the ACL for the periods ended September 30, 2024, December 31, 2023 and September Three Months Ended September 30, 2024 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 4,447 $ 581 $ 0 $ 0 $ 5,028 Commercial real estate residential 4,349 139 0 5 4,493 Commercial real estate nonresidential 8,706 388 0 6 9,100 Dealer floorplans 561 78 0 0 639 Commercial other 3,385 53 (278 ) 228 3,388 Real estate mortgage 11,840 651 (37 ) 6 12,460 Home equity 1,318 63 (40 ) 5 1,346 Consumer direct 3,604 65 (249 ) 43 3,463 Consumer indirect 13,938 718 (2,132 ) 919 13,443 Total $ 52,148 $ 2,736 $ (2,736 ) $ 1,212 $ 53,360 Nine Months Ended September 30, 2024 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 4,592 $ 436 $ 0 $ 0 $ 5,028 Commercial real estate residential 4,285 189 0 19 4,493 Commercial real estate nonresidential 7,560 1,481 0 59 9,100 Dealer floorplans 659 (20 ) 0 0 639 Commercial other 3,760 316 (1,124 ) 436 3,388 Real estate mortgage 10,197 2,327 (88 ) 24 12,460 Home equity 1,367 6 (40 ) 13 1,346 Consumer direct 3,261 999 (971 ) 174 3,463 Consumer indirect 13,862 2,630 (6,016 ) 2,967 13,443 Total $ 49,543 $ 8,364 $ (8,239 ) $ 3,692 $ 53,360 Year Ended December 31, 2023 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 5,171 $ (579 ) $ 0 $ 0 $ 4,592 Commercial real estate residential 4,894 (706 ) (28 ) 125 4,285 Commercial real estate nonresidential 9,419 (2,252 ) (294 ) 687 7,560 Dealer floorplans 1,776 (1,117 ) 0 0 659 Commercial other 5,285 (91 ) (1,900 ) 466 3,760 Real estate mortgage 7,932 2,364 (140 ) 41 10,197 Home equity 1,106 278 (23 ) 6 1,367 Consumer direct 1,694 1,804 (541 ) 304 3,261 Consumer indirect 8,704 7,110 (5,333 ) 3,381 13,862 Total $ 45,981 $ 6,811 $ (8,259 ) $ 5,010 $ 49,543 Three Months Ended September 30, 2023 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 5,192 $ 611 $ 0 $ 0 $ 5,803 Commercial real estate residential 3,749 66 0 9 3,824 Commercial real estate nonresidential 7,797 181 0 39 8,017 Dealer floorplans 1,157 (314 ) 0 0 843 Commercial other 6,176 (595 ) (195 ) 159 5,545 Real estate mortgage 7,884 439 (4 ) 17 8,336 Home equity 1,108 59 (10 ) 1 1,158 Consumer direct 2,563 157 (148 ) 41 2,613 Consumer indirect 12,392 1,267 (1,655 ) 576 12,580 Total $ 48,018 $ 1,871 $ (2,012 ) $ 842 $ 48,719 Nine Months Ended September 30, 2023 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 5,171 $ 632 $ 0 $ 0 $ 5,803 Commercial real estate residential 4,894 (1,132 ) (28 ) 90 3,824 Commercial real estate nonresidential 9,419 (1,765 ) (9 ) 372 8,017 Dealer floorplans 1,776 (933 ) 0 0 843 Commercial other 5,285 1,376 (1,455 ) 339 5,545 Real estate mortgage 7,932 470 (99 ) 33 8,336 Home equity 1,106 71 (23 ) 4 1,158 Consumer direct 1,694 1,069 (386 ) 236 2,613 Consumer indirect 8,704 5,208 (3,730 ) 2,398 12,580 Total $ 45,981 $ 4,996 $ (5,730 ) $ 3,472 $ 48,719 Using the ACL software, forecasts include gross domestic product (GDP), retail sales and housing price index considerations. CTBI leverages economic projections from the Federal Open Market Committee to obtain various forecasts for unemployment rate and gross domestic product, the PNC forecast for the Case-Shiller National Home Price Index, and the Wells Fargo forecast for the Advanced Retail Sales. CTBI has elected to forecast the first four quarters of the credit loss estimate and revert to a long-run average of each considered economic factor, as permitted in ASC 326-20-30-9, over four quarters. All periods during the reasonable and supportable forecast period are utilizing a forecasted probability of default. Loss driver analysis was performed during which regression models were built relating default rates of the various segments to the economic factors noted above. Historical loss data for both CTBI and segment-specific selected peers was incorporated from Federal Financial Institutions Examination Council call report data. For loss given default, the Frye-Jacobs LGD estimation technique was utilized in the ACL software, providing a risk curve that most approximates the asset class under consideration. Management elected to evaluate internal prepayment experience over a trailing timeframe to determine the appropriate prepayment and curtailment rates to be used in the credit loss estimate. CTBI uses management judgement for qualitative loss factors such as delinquency trends, supervision and administration, quality control exceptions, collateral values, and industry concentrations. The ACL software allows management to approve a “worst case” scenario or a maximum loss rate for each segment. Qualitative dollars available for allocation then become the difference between the worst case and the ACL quantitative reserve estimate. Each factor is then given a risk weighting that is applied to determine a basis point allocation. The qualitative loss factors are as follows: • Changes in delinquency trends by loan segment • Changes in international, national, regional, and local conditions • The effect of other external factors (i.e. competition, legal and regulatory requirements) on the level of estimated credit losses • The existence and effect of any concentrations of credit and changes in the levels of such concentrations • A supervision and administration allocation based on CTBI’s loan review process • Exceptions in lending policies and procedures as measured by quarterly loan portfolio exceptions reports • Changes in the nature and volume of the portfolio and terms of loans Refer to Note 1 to the condensed consolidated financial statements for further information regarding our nonaccrual policy. Nonaccrual loans and loans 90 days past due and still accruing, segregated by loan segment, as of September 30, 2024 and December 31, 2023 were as follows: September 30, 2024 (in thousands) Nonaccrual Loans with No ACL Nonaccrual Loans with ACL 90+ and Still Accruing Total Nonperforming Loans Hotel/motel $ 0 $ 0 $ 0 $ 0 Commercial real estate residential 0 661 700 1,361 Commercial real estate nonresidential 0 592 10,923 11,515 Commercial other 209 872 641 1,722 Total commercial loans 209 2,125 12,264 14,598 Real estate mortgage 0 3,016 5,515 8,531 Home equity lines 0 179 691 870 Total residential loans 0 3,195 6,206 9,401 Consumer direct 0 451 36 487 Consumer indirect 0 0 605 605 Total consumer loans 0 451 641 1,092 Loans and lease financing $ 209 $ 5,771 $ 19,111 $ 25,091 December 31, 2023 (in thousands) Nonaccrual Loans with No ACL Nonaccrual Loans with ACL 90+ and Still Accruing Total Nonperforming Loans Hotel/motel $ 0 $ 0 $ 0 $ 0 Commercial real estate residential 0 498 1,059 1,557 Commercial real estate nonresidential 0 680 2,270 2,950 Dealer floorplans 0 0 0 0 Commercial other 236 452 162 850 Total commercial loans 236 1,630 3,491 5,357 Real estate mortgage 0 1,996 5,302 7,298 Home equity lines 0 186 557 743 Total residential loans 0 2,182 5,859 8,041 Consumer direct 0 0 15 15 Consumer indirect 0 0 555 555 Total consumer loans 0 0 570 570 Loans and lease financing $ 236 $ 3,812 $ 9,920 $ 13,968 Discussion of the Nonaccrual Policy The accrual of interest income on loans is discontinued when management believes, after considering economic and business conditions, collateral value, and collection efforts, that the borrower’s financial condition is such that the collection of interest is doubtful. Cash payments received on nonaccrual loans generally are applied against principal, and interest income is only recorded once principal recovery is reasonably assured. Any loans greater than 90 days past due must be well secured and in the process of collection to continue accruing interest. See Note 1 to the condensed consolidated financial statements for further discussion on our nonaccrual policy. The following tables present CTBI’s loan portfolio aging analysis, segregated by class, as of September 30, 2024 and December 31, 2023 (includes loans 90 days past due and still accruing as well): September 30, 2024 (in thousands) 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Past Due Current Total Loans Hotel/motel $ 0 $ 0 $ 0 $ 0 $ 453,465 $ 453,465 Commercial real estate residential 1,278 259 1,361 2,898 482,106 485,004 Commercial real estate nonresidential 2,189 2,752 11,246 16,187 818,798 834,985 Dealer floorplans 0 0 0 0 86,693 86,693 Commercial other 747 272 1,575 2,594 351,349 353,943 Total commercial loans 4,214 3,283 14,182 21,679 2,192,411 2,214,090 Real estate mortgage 2,450 3,952 8,028 14,430 988,693 1,003,123 Home equity lines 1,026 191 852 2,069 160,944 163,013 Total residential loans 3,476 4,143 8,880 16,499 1,149,637 1,166,136 Consumer direct 518 61 487 1,066 152,995 154,061 Consumer indirect 4,153 1,019 605 5,777 810,410 816,187 Total consumer loans 4,671 1,080 1,092 6,843 963,405 970,248 Loans and lease financing $ 12,361 $ 8,506 $ 24,154 $ 45,021 $ 4,305,453 $ 4,350,474 December 31, 2023 (in thousands) 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Past Due Current Total Loans Hotel/motel $ 0 $ 0 $ 0 $ 0 $ 395,765 $ 395,765 Commercial real estate residential 1,047 275 1,525 2,847 415,096 417,943 Commercial real estate nonresidential 549 332 2,619 3,500 775,137 778,637 Dealer floorplans 0 0 0 0 70,308 70,308 Commercial other 663 494 641 1,798 319,284 321,082 Total commercial loans 2,259 1,101 4,785 8,145 1,975,590 1,983,735 Real estate mortgage 1,323 3,455 6,168 10,946 926,578 937,524 Home equity lines 911 273 707 1,891 145,145 147,036 Total residential loans 2,234 3,728 6,875 12,837 1,071,723 1,084,560 Consumer direct 1,013 118 15 1,146 157,960 159,106 Consumer indirect 4,550 1,029 555 6,134 817,371 823,505 Total consumer loans 5,563 1,147 570 7,280 975,331 982,611 Loans and lease financing $ 10,056 $ 5,976 $ 12,230 $ 28,262 $ 4,022,644 $ 4,050,906 The risk characteristics of CTBI’s material portfolio segments are as follows: Hotel/motel loans are a significant concentration for CTBI, representing approximately 10.4% of total loans. This industry has unique risk characteristics as it is highly susceptible to changes in the domestic and global economic environments, which can cause the industry to experience substantial volatility. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Hotel/motel lending typically involves higher loan principal amounts and the repayment of these loans is generally dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Management monitors and evaluates all commercial real estate loans based on collateral and risk grade criteria. Commercial construction loans generally are made to customers for the purpose of building income-producing properties, and any hotel/motel construction loan would be included in this segment. Personal guarantees of the principals are generally required. Such loans are made on a projected cash flow basis and are secured by the project being constructed. Construction loan draw procedures are included in each specific loan agreement, including required documentation items and inspection requirements. Construction loans may convert to term loans at the end of the construction period, or may be repaid by the take-out commitment from another financing source. If the loan is to convert to a term loan, the repayment ability is based on the borrower’s projected cash flow. Risk is mitigated during the construction phase by requiring proper documentation and inspections whenever a draw is requested. Commercial real estate residential loans are commercial purpose construction and permanent financed loans for commercial purpose 1-4 family/multi-family properties. All commercial real estate loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Management monitors and evaluates all commercial real estate loans based on collateral and risk grade criteria. Commercial residential construction loans generally are made to customers for the purpose of building income-producing properties. Personal guarantees of the principals are generally required. Such loans are made on a projected cash flow basis and are secured by the project being constructed. Construction loan draw procedures are included in each specific loan agreement, including required documentation items and inspection requirements. Construction loans may convert to term loans at the end of the construction period, or may be repaid by the take-out commitment from another financing source. If the loan is to convert to a term loan, the repayment ability is based on the borrower’s projected cash flow. Risk is mitigated during the construction phase by requiring proper documentation and inspections whenever a draw is requested. Commercial real estate nonresidential loans are secured by nonfarm, nonresidential properties, farmland, and other commercial real estate. Construction for commercial real estate nonresidential loans are also included in this segment as these loans are generally one loan for construction to permanent financing. All commercial real estate loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Management monitors and evaluates all commercial real estate loans based on collateral and risk grade criteria. Commercial nonresidential construction loans generally are made to customers for the purpose of building income-producing properties. Personal guarantees of the principals are generally required. Such loans are made on a projected cash flow basis and are secured by the project being constructed. Construction loan draw procedures are included in each specific loan agreement, including required documentation items and inspection requirements. Construction loans may convert to term loans at the end of the construction period, or may be repaid by the take-out commitment from another financing source. If the loan is to convert to a term loan, the repayment ability is based on the borrower’s projected cash flow. Risk is mitigated during the construction phase by requiring proper documentation and inspections whenever a draw is requested. Dealer floorplans are segmented separately as they are a unique product with unique risk factors. CTBI maintains strict processing procedures over our floorplan product with any exceptions requested by a loan officer approved by the appropriate loan committee and the floorplan manager Commercial other loans are primarily based on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not be as expected and the collateral securing these loans may fluctuate in value. Most commercial loans are secured by the assets being financed or other business assets such as accounts receivable or inventory and may incorporate a personal guarantee; however, some short-term loans may be made on an unsecured basis. In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially dependent on the ability of the borrower to collect amounts due from our customers. As we underwrite our equipment lease financing in a manner similar to our commercial loan portfolio described below, the risk characteristics for this portfolio mirror that of the commercial loan portfolio. With respect to residential loans that are secured by 1-4 family residences and are generally owner occupied, CTBI generally establishes a maximum loan-to-value ratio and requires private mortgage insurance if that ratio is exceeded. Home equity loans are typically secured by a subordinate interest in 1-4 family residences. Residential construction loans are handled through the home mortgage area of the bank. The repayment ability of the borrower and the maximum loan-to-value ratio are calculated using the normal mortgage lending criteria. Draws are processed based on percentage of completion stages including normal inspection procedures. Such loans generally convert to term loans after the completion of construction. Consumer loans are secured by consumer assets such as automobiles or recreational vehicles. Some consumer loans are unsecured such as small installment loans and certain lines of credit. Our determination of a borrower’s ability to repay these loans is primarily dependent on the personal income and credit rating of the borrowers, which can be impacted by economic conditions in their market areas such as unemployment levels. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers. The indirect lending area of the bank is generally responsible for purchasing/funding consumer contracts with new and used automobile dealers. Dealer loan applications are forwarded to the indirect loan processing area for approval or denial. Loan approvals or denials are based on the creditworthiness and repayment ability of the borrowers, and on the collateral value. Upon a dealer being funded on an approved loan application and assignment of the retail installment contract to CTB, CTB will have limited recourse with the dealer, as set forth in the CTB dealer agreement. On occasion, the dealer will execute a separate, full recourse agreement with CTB to obtain customer financing. Credit Quality Indicators: CTBI categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. CTBI also considers the fair value of the underlying collateral and the strength and willingness of the guarantor(s). CTBI analyzes commercial loans individually by classifying the loans as to credit risk. Loans classified as loss, doubtful, substandard, or special mention are reviewed quarterly by CTBI for further deterioration or improvement to determine if appropriately classified and valued if deemed impaired. All other commercial loan reviews are completed every 12 to 18 months. In addition, during the renewal process of any loan, as well as if a loan becomes past due or if other information becomes available, CTBI will evaluate the loan grade. CTBI uses the following definitions for risk ratings: ➢ Pass ➢ Watch ➢ Other assets especially mentioned (OAEM) ➢ Substandard ➢ Doubtful The following tables present the credit risk profile of CTBI’s commercial loan portfolio based on rating category and payment activity, segregated by loan segment and based on last credit decision or year of origination: Term Loans Amortized Cost Basis by Origination Year (in thousand s) September 30 2024 2023 2022 2021 2020 Prior Revolving Loans Total Hotel/motel Risk rating: Pass $ 56,458 $ 79,630 $ 143,289 $ 27,364 $ 17,276 $ 69,756 $ 5,398 $ 399,171 Watch 0 11,336 10,901 6,616 4,493 14,971 0 48,317 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 4,023 0 0 1,954 0 5,977 Doubtful 0 0 0 0 0 0 0 0 Total hotel/motel 56,458 90,966 158,213 33,980 21,769 86,681 5,398 453,465 Commercial real estate residential Risk rating: Pass 134,673 92,523 81,747 62,759 27,219 40,772 17,321 457,014 Watch 5,169 2,551 1,822 3,902 1,735 5,508 55 20,742 OAEM 0 121 0 0 0 88 48 257 Substandard 35 823 625 411 341 4,756 0 6,991 Doubtful 0 0 0 0 0 0 0 0 Total commercial real estate residential 139,877 96,018 84,194 67,072 29,295 51,124 17,424 485,004 Commercial real estate nonresidential Risk rating: Pass 131,839 126,833 126,006 123,387 64,260 162,619 36,589 771,533 Watch 3,710 1,622 4,054 9,656 4,119 7,554 547 31,262 OAEM 0 0 15 385 0 48 0 448 Substandard 4,453 1,533 1,553 2,254 11,204 10,743 0 31,740 Doubtful 0 0 0 0 0 2 0 2 Total commercial real estate nonresidential 140,002 129,988 131,628 135,682 79,583 180,966 37,136 834,985 Dealer floorplans Risk rating: Pass 0 0 0 0 0 0 84,835 84,835 Watch 0 0 0 0 0 0 1,858 1,858 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 0 0 0 0 0 0 Doubtful 0 0 0 0 0 0 0 0 Total dealer floorplans 0 0 0 0 0 0 86,693 86,693 Commercial other Risk rating: Pass 78,716 48,287 41,287 27,102 26,125 20,196 74,308 316,021 Watch 2,544 895 609 219 118 567 13,954 18,906 OAEM 0 28 0 8,609 0 0 30 8,667 Substandard 1,243 4,284 2,396 464 455 168 1,339 10,349 Doubtful 0 0 0 0 0 0 0 0 Total commercial other 82,503 53,494 44,292 36,394 26,698 20,931 89,631 353,943 Commercial other current period gross charge-offs (973 ) (11 ) (116 ) (17 ) (2 ) (5 ) 0 (1,124 ) Commercial loans Risk rating: Pass 401,686 347,273 392,329 240,612 134,880 293,343 218,451 2,028,574 Watch 11,423 16,404 17,386 20,393 10,465 28,600 16,414 121,085 OAEM 0 149 15 8,994 0 136 78 9,372 Substandard 5,731 6,640 8,597 3,129 12,000 17,621 1,339 55,057 Doubtful 0 0 0 0 0 2 0 2 Total commercial loans $ 418,840 $ 370,466 $ 418,327 $ 273,128 $ 157,345 $ 339,702 $ 236,282 $ 2,214,090 Total commercial loans current period gross charge-offs $ (973 ) $ (11 ) $ (116 ) $ (17 ) $ (2 ) $ (5 ) $ 0 $ (1,124 ) Term Loans Amortized Cost Basis by Origination Year (in thousand s) December 31 2023 2022 2021 2020 2019 Prior Revolving Loans Total Hotel/motel Risk rating: Pass $ 79,651 $ 144,826 $ 28,011 $ 17,664 $ 40,873 $ 42,029 $ 4,042 $ 357,096 Watch 11,569 2,826 6,835 4,623 3,361 1,648 0 30,862 OAEM 0 3,982 0 0 0 1,954 0 5,936 Substandard 0 0 0 0 0 1,118 0 1,118 Doubtful 0 0 0 0 0 753 0 753 Total hotel/motel 91,220 151,634 34,846 22,287 44,234 47,502 4,042 395,765 Commercial real estate residential Risk rating: Pass 109,304 89,119 98,896 30,972 11,908 36,964 14,700 391,863 Watch 2,317 2,131 473 1,395 721 6,359 124 13,520 OAEM 0 0 0 0 0 63 0 63 Substandard 760 854 4,532 834 285 5,232 0 12,497 Doubtful 0 0 0 0 0 0 0 0 Total commercial real estate residential 112,381 92,104 103,901 33,201 12,914 48,618 14,824 417,943 Commercial real estate residential current period gross charge-offs 0 0 (28 ) 0 0 0 0 (28 ) Commercial real estate nonresidential Risk rating: Pass 149,633 142,580 136,090 68,240 55,850 140,074 31,536 724,003 Watch 552 3,664 6,305 2,347 1,938 6,003 354 21,163 OAEM 2,375 15 0 7,255 0 1,486 0 11,131 Substandard 2,520 1,598 2,538 4,472 2,000 9,199 0 22,327 Doubtful 0 0 0 0 0 13 0 13 Total commercial real estate nonresidential 155,080 147,857 144,933 82,314 59,788 156,775 31,890 778,637 Commercial real estate nonresidential current period gross charge-offs 0 0 (7 ) 0 0 (287 ) 0 (294 ) Dealer floorplans Risk rating: Pass 0 0 0 0 0 0 70,308 70,308 Watch 0 0 0 0 0 0 0 0 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 0 0 0 0 0 0 Doubtful 0 0 0 0 0 0 0 0 Total dealer floorplans 0 0 0 0 0 0 70,308 70,308 Commercial other Risk rating: Pass 73,115 47,575 40,448 30,033 4,780 22,588 81,791 300,330 Watch 1,138 1,109 569 126 239 635 5,877 9,693 OAEM 29 0 0 0 0 0 30 59 Substandard 4,921 3,581 381 890 211 403 613 11,000 Doubtful 0 0 0 0 0 0 0 0 Total commercial other 79,203 52,265 41,398 31,049 5,230 23,626 88,311 321,082 Commercial other current period gross charge-offs (725 ) (710 ) (302 ) (27 ) (90 ) (46 ) 0 (1,900 ) Commercial loans Risk rating: Pass 411,703 424,100 303,445 146,909 113,411 241,655 202,377 1,843,600 Watch 15,576 9,730 14,182 8,491 6,259 14,645 6,355 75,238 OAEM 2,404 3,997 0 7,255 0 3,503 30 17,189 Substandard 8,201 6,033 7,451 6,196 2,496 15,952 613 46,942 Doubtful 0 0 0 0 0 766 0 766 Total commercial loans $ 437,884 $ 443,860 $ 325,078 $ 168,851 $ 122,166 $ 276,521 $ 209,375 $ 1,983,735 Total commercial loans current period gross charge-offs $ (725 ) $ (710 ) $ (337 ) $ (27 ) $ (90 ) $ (333 ) $ 0 $ (2,222 ) The following tables present the credit risk profile of CTBI’s residential real estate and consumer loan portfolios based on performing or nonperforming status, segregated by class: Term Loans Amortized Cost Basis by Origination Year (in thousands) September 30 2024 2023 2022 2021 2020 Prior Revolving Loans Total Home equity lines Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 7,550 $ 154,593 $ 162,143 Nonperforming 0 0 0 0 0 409 461 870 Total home equity lines 0 0 0 0 0 7,959 155,054 163,013 Home equity lines current period gross charge-offs 0 0 0 0 0 (40 ) 0 (40 ) Mortgage loans Performing 130,527 199,633 145,699 148,965 110,835 258,933 0 994,592 Nonperforming 0 856 688 675 280 6,032 0 8,531 Total mortgage loans 130,527 200,489 146,387 149,640 111,115 264,965 0 1,003,123 Mortgage loans current period gross charge-offs 0 0 (27 ) 0 0 (61 ) 0 (88 ) Residential loans Performing 130,527 199,633 145,699 148,965 110,835 266,483 154,593 1,156,735 Nonperforming 0 856 688 675 280 6,441 461 9,401 Total residential loans $ 130,527 $ 200,489 $ 146,387 $ 149,640 $ 111,115 $ 272,924 $ 155,054 $ 1,166,136 Total residential loans current period gross charge-offs $ 0 $ 0 $ 0 $ (27 ) $ 0 $ (101 ) $ 0 $ (128 ) Consumer direct loans Performing $ 44,620 $ 40,654 $ 24,086 $ 18,896 $ 10,773 $ 14,545 $ 0 $ 153,574 Nonperforming 0 13 461 0 7 6 0 487 Total consumer direct loans 44,620 40,667 24,547 18,896 10,780 14,551 0 154,061 Total consumer direct loans current period gross charge-offs (9 ) (239 ) (593 ) (67 ) (18 ) (45 ) 0 (971 ) Consumer indirect loans Performing 231,296 269,322 183,318 74,893 42,356 14,397 0 815,582 Nonperforming 58 231 222 69 9 16 0 605 Total consumer indirect loans 231,354 269,553 183,540 74,962 42,365 14,413 0 816,187 Total consumer indirect loans current period gross charge-offs (171 ) (2,151 ) (2,059 ) (1,222 ) (198 ) (215 ) 0 (6,016 ) Consumer loans Performing 275,916 309,976 207,404 93,789 53,129 28,942 0 969,156 Nonperforming 58 244 683 69 16 22 0 1,092 Total consumer loans $ 275,974 $ 310,220 $ 208,087 $ 93,858 $ 53,145 $ 28,964 $ 0 $ 970,248 Total consumer loans current period gross charge-offs $ (180 ) $ (2,390 ) $ (2,652 ) $ (1,289 ) $ (216 ) $ (260 ) $ 0 $ (6,987 ) Term Loans Amortized Cost Basis by Origination Year (in thousands) December 31 2023 2022 2021 2020 2019 Prior Revolving Loans Total Home equity lines Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 7,630 $ 138,663 $ 146,293 Nonperforming 0 0 0 0 0 442 301 743 Total home equity lines 0 0 0 0 0 8,072 138,964 147,036 Home equity lines current period gross charge-offs 0 0 0 0 0 (23 ) 0 (23 ) Mortgage loans Performing 200,442 162,407 159,857 119,772 56,601 231,147 0 930,226 Nonperforming 0 200 151 192 533 6,222 0 7,298 Total mortgage loans 200,442 162,607 160,008 119,964 57,134 237,369 0 937,524 Mortgage loans current period gross charge-offs 0 0 (47 ) 0 (40 ) (53 ) 0 (140 ) Residential loans Performing 200,442 162,407 159,857 119,772 56,601 238,777 138,663 1,076,519 Nonperforming 0 200 151 192 533 6,664 301 8,041 Total residential loans $ 200,442 $ 162,607 $ 160,008 $ 119,964 $ 57,134 $ 245,441 $ 138,964 $ 1,084,560 Total residential loans current period gross charge-offs $ 0 $ 0 $ (47 ) $ 0 $ (40 ) $ (76 ) $ 0 $ (163 ) Consumer direct loans Performing $ 63,686 $ 34,722 $ 26,250 $ 15,560 $ 6,951 $ 11,922 $ 0 $ 159,091 Nonperforming 0 4 11 0 0 0 0 15 Total consumer direct loans 63,686 34,726 26,261 15,560 6,951 11,922 0 159,106 Total consumer direct loans current period gross charge-offs (65 ) (263 ) (129 ) (37 ) (27 ) (20 )

Other Real Estate Owned

Other Real Estate Owned	9 Months Ended
	Sep. 30, 2024
Other Real Estate Owned [Abstract]
Other Real Estate Owned	Note 5 – Other Real Estate Owned Activity for other real estate owned was as follows: Three Months Ended Nine Months Ended September 30 September 30 (in thousands) 2024 2023 2024 2023 Beginning balance of other real estate owned $ 1,626 $ 2,047 $ 1,616 $ 3,671 New assets acquired 14 325 488 500 Capitalized costs 0 7 13 46 Fair value adjustments 0 (124 ) (49 ) (230 ) Sale of assets (296 ) (80 ) (724 ) (1,812 ) Ending balance of other real estate owned $ 1,344 $ 2,175 $ 1,344 $ 2,175 Carrying costs and fair value adjustments associated with foreclosed properties for the three months ended September September The major classifications of foreclosed properties are shown in the following table: (in thousands) September 30 2024 December 31 2023 1-4 family $ 574 $ 827 Construction/land development/other 394 383 Non-farm/non-residential 376 406 Total foreclosed properties $ 1,344 $ 1,616

Repurchase Agreements

Repurchase Agreements	9 Months Ended
	Sep. 30, 2024
Repurchase Agreements [Abstract]
Repurchase Agreements	Note 6 – Repurchase Agreements We utilize securities sold under agreements to repurchase to facilitate the needs of our customers and provide additional funding to our balance sheet. Repurchase agreements are transactions whereby we offer to sell to a counterparty an undivided interest in an eligible security at an agreed upon purchase price, and which obligates CTBI to repurchase the security on an agreed upon date at an agreed upon repurchase price plus interest at an agreed upon rate. Securities sold under agreements to repurchase are recorded at the amount of cash received in connection with the transaction and are reflected in the accompanying consolidated balance sheets. We monitor collateral levels on a continuous basis and maintain records of each transaction specifically describing the applicable security and the counterparty’s fractional interest in that security, and we segregate the security from its general assets in accordance with regulations governing custodial holdings of securities. The primary risk with our repurchase agreements is market risk associated with the securities securing the transactions, as we may be required to provide additional collateral based on fair value changes of the underlying securities. Securities pledged as collateral under repurchase agreements are maintained with our safekeeping agents. The carrying value of investment securities available-for-sale pledged as collateral under repurchase agreements totaled $297.7 million and $296.6 million at September The remaining contractual maturity of the securities sold under agreements to repurchase by class of collateral pledged included in the accompanying consolidated balance sheets as of September is presented in the following tables: September 30, 2024 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Continuous Up to 30 days 30-90 days Greater Than 90 days Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 21,644 $ 0 $ 21 $ 29,911 $ 51,576 State and political subdivisions 105,022 0 1,897 9,485 116,404 U.S. government sponsored agency mortgage-backed securities 17,124 0 542 44,190 61,856 Asset-backed securities 3,488 0 0 0 3,488 Total $ 147,278 $ 0 $ 2,460 $ 83,586 $ 233,324 December 31, 2023 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Continuous Up to 30 days 30-90 days Greater Than 90 days Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 21,156 $ 19 $ 1,817 $ 23,640 $ 46,632 State and political subdivisions 98,053 481 5,962 3,219 107,715 U.S. government sponsored agency mortgage-backed securities 17,538 0 41,521 9,269 68,328 Asset-backed securities 2,570 0 0 0 2,570 Total $ 139,317 $ 500 $ 49,300 $ 36,128 $ 225,245

Fair Value of Financial Assets

Fair Value of Financial Assets and Liabilities	9 Months Ended
	Sep. 30, 2024
Fair Value of Financial Assets and Liabilities [Abstract]
Fair Value of Financial Assets and Liabilities	Note 7 – Fair Value of Financial Assets and Liabilities Fair Value Measurements ASC 820, Fair Value Measurements Level 1 Inputs – Quoted prices in active markets for identical assets or liabilities. Level 2 Inputs – Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets and liabilities in active markets, and inputs other than quoted prices that are observable for the asset or liability, such as interest rates and yield curves that are observable at commonly quoted intervals. Level 3 Inputs – Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in determining an exit price for the assets or liabilities. Recurring Measurements The following tables present the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a recurring basis as of September Fair Value Measurements at September 30, 2024 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – recurring basis Available-for-sale securities: U.S. Treasury and government agencies $ 344,200 $ 329,996 $ 14,204 $ 0 State and political subdivisions 265,871 0 265,871 0 U.S. government sponsored agency mortgage-backed securities 438,749 0 438,749 0 Asset-backed securities 49,256 0 49,256 0 Equity securities at fair value 3,266 0 0 3,266 Mortgage servicing rights 7,091 0 0 7,091 Fair Value Measurements at December 31, 2023 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – recurring basis Available-for-sale securities: U.S. Treasury and government agencies $ 354,817 $ 336,285 $ 18,532 $ 0 State and political subdivisions 264,945 0 264,945 0 U.S. government sponsored agency mortgage-backed securities 456,736 0 456,736 0 Asset-backed securities 87,226 0 87,226 0 Equity securities at fair value 3,158 0 0 3,158 Mortgage servicing rights 7,665 0 0 7,665 Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. These valuation methodologies were applied to all of CTBI’s financial assets carried at fair value. CTBI had no liabilities measured and recorded at fair value as of September 30, 2024 and December 31, 2023. There have been no significant changes in the valuation techniques during the quarter ended September Available-for-Sale Securities Securities classified as AFS are reported at fair value on a recurring basis. U.S. Treasury and government agencies are classified as Level 1 of the valuation hierarchy where quoted market prices are available in the active market on which the individual securities are traded. If quoted market prices are not available, CTBI obtains fair value measurements from an independent pricing service, such as Interactive Data, which utilizes pricing models to determine fair value measurement. CTBI reviews the pricing quarterly to verify the reasonableness of the pricing. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information, and the bond’s terms and conditions, among other factors. U.S. Treasury and government agencies, state and political subdivisions, U.S. government sponsored agency mortgage-backed securities, and asset-backed securities are classified as Level 2 inputs. In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy. Fair value determinations for Level 3 measurements are estimated on a quarterly basis where assumptions used are reviewed to ensure the estimated fair value complies with accounting standards generally accepted in the United States. Equity Securities at Fair Value As of September Mortgage Servicing Rights Mortgage servicing rights (“MSRs”) do not trade in an active, open market with readily observable prices. CTBI reports MSRs at fair value on a recurring basis with subsequent remeasurement of MSRs based on change in fair value. In determining fair value, CTBI utilizes the expertise of an independent third party. Accordingly, fair value is determined by the independent third party by utilizing assumptions about factors such as mortgage interest rates, discount rates, mortgage loan prepayment speeds, market trends, and industry demand. Due to the nature of the valuation inputs, MSRs are classified within Level 3 of the hierarchy. Fair value determinations for Level 3 measurements of MSRs are tested for impairment on a quarterly basis where assumptions used are reviewed to ensure the estimated fair value complies with GAAP. Level 3 Reconciliation Following is a reconciliation of the beginning and ending balances of recurring fair value measurements, for the periods indicated, using significant unobservable (Level 3) inputs: Three Months Ended September 30, 2024 Three Months Ended September 30, 2023 (in thousands) Equity Securities at Fair Value Mortgage Servicing Rights Equity Securities at Fair Value Mortgage Servicing Rights Beginning balance $ 3,054 $ 7,749 $ 2,545 $ 8,230 Total unrealized gains (losses) Included in net income 212 (494 ) 355 155 Issues 0 34 0 45 Settlements 0 (198 ) 0 (141 ) Ending balance $ 3,266 $ 7,091 $ 2,900 $ 8,289 Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date $ 212 $ (494 ) $ 355 $ 155 Nine Months Ended September 30, 2024 Nine Months Ended September 30, 2023 (in thousands) Equity Securities at Fair Value Mortgage Servicing Rights Equity Securities at Fair Value Mortgage Servicing Rights Beginning balance $ 3,158 $ 7,665 $ 2,166 $ 8,468 Total unrealized gains (losses) Included in net income 108 (173 ) 734 21 Issues 0 100 0 141 Settlements 0 (501 ) 0 (341 ) Ending balance $ 3,266 $ 7,091 $ 2,900 $ 8,289 Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date $ 108 $ (173 ) $ 734 $ 21 Realized and unrealized gains and losses for items reflected in the tables above are included in net income in the consolidated statements of income as follows: Noninterest Income Three Months Ended Nine Months Ended September 30 September 30 (in thousands) 2024 2023 2024 2023 Total gains (losses) $ (480 ) $ 369 $ (566 ) $ 414 Nonrecurring Measurements The following tables present the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a nonrecurring basis as of September 30, 2024 and December 31, 2023 and indicate the level within the fair value hierarchy of Fair Value Measurements at September 30, 2024 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – nonrecurring basis Collateral dependent loans $ 8,318 $ 0 $ 0 $ 8,318 Other real estate owned 471 0 0 471 Fair Value Measurements at December 31, 2023 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – nonrecurring basis Collateral dependent loans $ 8,397 $ 0 $ 0 $ 8,397 Other real estate owned 205 0 0 205 Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying balance sheet, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Collateral Dependent Loans The estimated fair value of collateral-dependent loans is based on the appraised fair value of the collateral, less estimated cost to sell. Collateral-dependent loans are classified within Level 3 of the fair value hierarchy. CTBI considers the appraisal or evaluation as the starting point for determining fair value and then considers other factors and events in the environment that may affect the fair value. Appraisals of the collateral underlying collateral-dependent loans are obtained when the loan is determined to be collateral-dependent and subsequently as deemed necessary by the Chief Credit Officer. Appraisals are reviewed for accuracy and consistency by the Chief Credit Officer. Appraisers are selected from the list of approved appraisers maintained by management. The appraised values are reduced by discounts to consider lack of marketability and estimated cost to sell if repayment or satisfaction of the loan is dependent on the sale of the collateral. These discounts and estimates are developed by the Chief Credit Officer by comparison to historical results. Loans considered collateral dependent are loans for which the repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty in accordance with ASC 326-20-35-5. There were no fair value adjustments on collateral-dependent loans disclosed above for the quarter ended September for the nine months ended September September Other Real Estate Owned In accordance with the provisions of ASC 360, Property, Plant, and Equipment, other real estate owned (“OREO”) is carried at the lower of fair value at acquisition date or current estimated fair value, less estimated cost to sell when the real estate is acquired. Estimated fair value of OREO is based on appraisals or evaluations. OREO is classified within Level 3 of the fair value hierarchy. Long-lived assets are subject to nonrecurring fair value adjustments to reflect subsequent partial write-downs that are based on the observable market price or current appraised value of the collateral. There were no fair value adjustments for the quarter ended September 30, 2024. The fair value adjustments for the nine months ended September 30, 2024 on OREO Our policy for determining the frequency of periodic reviews is based upon consideration of the specific properties and the known or perceived market fluctuations in a particular market and is typically between 12 and 18 months but generally not more than 24 months. Appraisers are selected from the list of approved appraisers maintained by management. Unobservable (Level 3) Inputs The following tables present quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements at September Quantitative Information about Level 3 Fair Value Measurements (in thousands) Fair Value at September 30, 2024 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $ 3,266 Discount cash flows, computer pricing model Discount rate 8.0% - 12.0% (10.0%) Conversion date Dec 2025 Dec 2029 ( Dec 2027 Mortgage servicing rights $ 7,091 Discount cash flows, computer pricing model Constant prepayment rate 0.0% - 26.0% (6.9%) Probability of default 0.0% - 100% (0.9%) Discount rate 9.8% - 12.0% (10.0%) Collateral dependent loans $ 8,318 Market comparable properties Marketability discount 11.5% - 18.9% (12.6%) Other real estate owned $ 471 Market comparable properties Comparability adjustments 37.2% - 58.5% (51.1%) Quantitative Information about Level 3 Fair Value Measurements (in thousands) Fair Value at December 31, 2023 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $ 3,158 Discount cash flows, computer pricing model Discount rate 15.0% - 25.0% (20.0%) Conversion date Dec 2028 Dec 2032 ( Dec 2030 Mortgage servicing rights $ 7,665 Discount cash flows, computer pricing model Constant prepayment rate 0.0% - 77.6% (7.5%) Probability of default 0.0% - 66.7% (1.0%) Discount rate 9.5% - 12.0% (10.0%) Collateral dependent loans $ 8,397 Market comparable properties Marketability discount 10.9% - 19.6% (12.2%) Other real estate owned $ 205 Market comparable properties Comparability adjustments 10.0% - 23.9% (17.5%) Uncertainty of Fair Value Measurements The following is a discussion of the uncertainty of fair value measurements, the interrelationships between those inputs and other unobservable inputs used in recurring fair value measurement, and how those inputs might magnify or mitigate the effect of changes in the unobservable inputs on the fair value Equity Securities at Fair Value Fair value for equity securities is derived based on unobservable inputs, such as the discount rate, quarterly dividends payable to the Visa Class B common stock, and the prevailing conversion rate at the conversion date. The most recent conversion rate of 1.5875 and the most recent dividend rate of 0.8255 were used to derive the fair value estimate. Significant increases (decreases) in either of those inputs in isolation would result in a significantly lower (higher) fair value measurement. Generally, a change in the assumption used for discount rate is accompanied by a directionally opposite change in the fair value estimate. Mortgage Servicing Rights Fair value for MSRs is derived based on unobservable inputs, such as prepayment speeds of the underlying loans generated using the Andrew Davidson Prepayment Model, FHLMC/FNMA guidelines, the weighted average life of the loan, the discount rate, the weighted average coupon, and the weighted average default rate. Significant increases (decreases) in either of those inputs in isolation would result in a significantly lower (higher) fair value measurement. Generally, a change in the assumption used for prepayment speeds is accompanied by a directionally opposite change in the assumption for interest rates. Fair Value of Financial Instruments The following table presents estimated fair value of CTBI’s financial instruments as of September 30, 2024 and indicates the level within the fair value hierarchy of the valuation techniques. In accordance with the adoption of ASU 2016-01, the fair values as of September 30, 2024 were measured using an exit price notion. Fair Value Measurements at September 30, 2024 Using (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Financial assets: Cash and cash equivalents $ 240,940 $ 240,940 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 1,098,076 329,996 768,080 0 Equity securities at fair value 3,266 0 0 3,266 Loans held for sale 115 118 0 0 Loans, net 4,297,114 0 0 4,127,547 Federal Home Loan Bank stock 5,173 0 5,173 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 23,770 0 23,770 0 Financial liabilities: Deposits $ 4,838,262 $ 988,350 $ 3,508,210 $ 0 Repurchase agreements 233,324 0 0 233,228 Federal funds purchased 500 0 500 0 Advances from Federal Home Loan Bank 319 0 328 0 Long-term debt 64,074 0 0 47,887 Accrued interest payable 16,304 0 16,304 0 Unrecognized financial instruments: Letters of credit $ 0 $ 0 $ 0 $ 0 Commitments to extend credit 0 0 0 0 Forward sale commitments 0 0 0 0 The following table presents estimated fair value of CTBI’s financial instruments as of December 31, 2023 and indicates the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at December 31, 2023 Using (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Financial assets: Cash and cash equivalents $ 271,400 $ 271,400 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 1,163,724 336,285 827,439 0 Equity securities at fair value 3,158 0 0 3,158 Loans held for sale 152 154 0 0 Loans, net 4,001,363 0 0 3,745,477 Federal Home Loan Bank stock 4,712 0 4,712 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 23,575 0 23,575 0 Financial liabilities: Deposits $ 4,724,622 $ 1,260,690 $ 3,480,806 $ 0 Repurchase agreements 225,245 0 0 225,187 Federal funds purchased 500 0 500 0 Advances from Federal Home Loan Bank 334 0 349 0 Long-term debt 64,241 0 0 50,326 Accrued interest payable 7,389 0 7,389 0 Unrecognized financial instruments: Letters of credit $ 0 $ 0 $ 0 $ 0 Commitments to extend credit 0 0 0 0 Forward sale commitments 0 0 0 0

Revenue Recognition

Revenue Recognition	9 Months Ended
	Sep. 30, 2024
Revenue Recognition [Abstract]
Revenue Recognition	Note 8 – Revenue Recognition CTBI’s primary source of revenue is interest income generated from loans and investment securities. Interest income is recognized according to the terms of the financial instrument agreement over the life of the loan or investment security unless it is determined that the counterparty is unable to continue making interest payments. Interest income also includes prepaid interest fees from commercial customers, which approximates the interest foregone on the balance of the loan prepaid. CTBI’s additional source of income, also referred to as noninterest income, includes service charges on deposit accounts, gains on sales of loans, Generally, CTBI enters into contracts with customers that are short-term in nature where the performance obligations are fulfilled and payment is processed at the same time. Such examples include revenue related to merchant fees, interchange fees, and investment services income. In addition, revenue generated from existing customer relationships such as deposit accounts are also considered short-term in nature, because the relationship may be terminated at any time and payment is processed at the time performance obligations are fulfilled. As a result, CTBI does t have contract assets, contract liabilities, or related receivable accounts for contracts with customers. In cases where collectability is a concern, CTBI does not record revenue. Generally, the pricing of transactions between CTBI and each customer is either (i) established within a legally enforceable contract between the two parties, as is the case with loan sales, or (ii) disclosed to the customer at a specific point in time, as is the case when a deposit account is opened or before a new loan is underwritten. Fees are usually fixed at a specific amount or as a percentage of a transaction amount. No judgment or estimates by management are required to record revenue related to these transactions and pricing is clearly identified within these contracts. CTBI primarily operates in Kentucky and contiguous areas. Therefore, all significant operating decisions are based upon analysis of CTBI as operating segment. We disaggregate our revenue from contracts with customers by contract-type and timing of revenue recognition, as we believe it best depicts how the nature, amount, timing, and uncertainty of our revenue and cash flows are affected by economic factors. Noninterest income not generated from customers during CTBI’s ordinary activities primarily relates to MSRs, gains/losses on the sale of investment securities, gains/losses on the sale of OREO, gains/losses on the sale of property, plant and equipment, and income from bank owned life insurance. For more information related to our components of noninterest income, see the Condensed Consolidated Statements of Income and Comprehensive Income above.

Earnings Per Share

Earnings Per Share	9 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
Earnings Per Share	Note 9 – Earnings Per Share The following table sets forth the computation of basic and diluted earnings per share for the three and nine months ended September 30, 2024 and 2023: Three Months Ended Nine Months Ended September 30 September 30 (in thousands except per share data) 2024 2023 2024 2023 Numerator: Net income $ 22,142 $ 20,628 $ 60,320 $ 59,345 Denominator: Basic earnings per share: Weighted average shares 17,962 17,893 17,942 17,882 Diluted earnings per share: Effect of dilutive stock options and restricted stock grants 29 11 23 10 Adjusted weighted average shares 17,991 17,904 17,965 17,892 Earnings per share: Basic earnings per share $ 1.23 $ 1.15 $ 3.36 $ 3.32 Diluted earnings per share 1.23 1.15 3.36 3.32 There were options to purchase common shares that were excluded from the diluted calculations above for the three and nine months ended September 30, 2024 and 2023. In addition to in-the-money stock options, unvested restricted stock grants were also used in the calculation of diluted earnings per share based on the treasury method

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	9 Months Ended
	Sep. 30, 2024
Accumulated Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss)	Note 10 – Accumulated Other Comprehensive Income (Loss) Unrealized gains (losses) on AFS securities Amounts reclassified from accumulated other comprehensive income (loss) (“AOCI”) and the affected line items in the statements of income during the three and nine months ended September 30, 2024 and 2023 were: Amounts Reclassified from AOCI (in thousands) Three Months Ended September 30 Nine Months Ended September 30 2024 2023 2024 2023 Affected line item in the statements of income Securities gains (losses) $ 1 $ 0 $ 2 $ 4 Tax expense (benefit) 0 0 0 1 Total reclassifications out of AOCI $ 1 $ 0 $ 2 $ 3

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Sep. 30, 2024
Trading Arrangements, by Individual [Table]
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

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2024
Summary of Significant Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation – The unaudited condensed consolidated financial statements include the accounts of CTBI and its separate and distinct, wholly owned subsidiaries Community Trust Bank, Inc. (“CTB”) and Community Trust and Investment Company. All significant intercompany transactions have been eliminated in consolidation.
New Accounting Standards	New Accounting Standards – ➢ Facilitation of the Effects of Reference Rate Reform on Financial Reporting In December 2022, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2022-06, Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848 , Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting , On January 27, 2023, CTBI received notice from the trustee of the trust subsidiary, that based on their review of the junior subordinated debentures and the related trust preferred securities (the “TRUPS Documents”), after application of the LIBOR Act (as implemented by the Final Regulations (defined below), the “LIBOR Act”) and the final regulations of the Board of Governors of the Federal Reserve System issued on December 16, 2022 implementing the LIBOR Act (the “Final Regulations”), the TRUPS Documents issued by the trust subsidiary do not provide a replacement rate for Applicable LIBOR (a “Replacement Rate”) or include other fallback provisions which would apply on the first London banking day after June 30, 2023 (the “LIBOR Replacement Date”). Absent an amendment to the TRUPS Documents, some other change in applicable law, rule, regulation, or some other development, the LIBOR Act as implemented by the Final Regulations provides that (i) on and after the LIBOR Replacement Date, 3-month CME Term SOFR SOFR ➢ Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions Fair Value Measurement Topic 820: Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions Fair Value Measurement . ➢ FASB Improves the Accounting for Investments in Tax Credit Structures – 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, which is intended to improve the accounting and disclosures for investments in tax credit structures. This ASU is a consensus of the FASB’s Emerging Issues Task Force (“EITF”). This ASU allows reporting entities to elect to account for qualifying tax equity investments using the proportional amortization method, rega rdless of the program giving rise to the related income tax credits. This ASU responds to stakeholder feedback that the proportional amortization method provides investors and other allocators of capital with a better understanding of the returns from investments that are made primarily for the purpose of receiving income tax credits and other income tax benefits. Reporting entities were previously permitted to apply the proportional amortization method only to qualifying tax equity investments in low-income housing tax credit (“LIHTC”) structures. In recent years, stakeholders asked the FASB to extend the application of the proportional amortization method to qualifying tax equity investments that generate tax credits through other programs, which resulted in the EITF addressing this issue. For public business entities, the amendments are effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. As a result of the implementation of this ASU, we recorded a cumulative effect impact that reduced retained earnings by $2.0 million during the first quarter 2024 decrease in amortization expense, recognized in other direct expenses The amortization expense included in income tax expense were included in income tax expense We had $16.8 million in tax investments at September 30, 2024 included in other assets Of the amount outstanding, the contribution schedule is as follows: (in thousands) Amount due in: Unfunded Commitments 2024 $ 1,835 2025 2,000 2026 315 2027 146 2028 146 After 508 ➢ FASB Issues Improvements to Reportable Segment Disclosures Segment Reporting (Topic 280), Improvements to Reportable Segment Disclosures. ➢ FASB Issues Standard that Enhance Income Tax Disclosures – In December 2023, the FASB issued ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures (2) income taxes paid disaggregated by jurisdiction. It also includes certain other amendments intended to improve the effectiveness of income tax disclosures. CTBI does not intend to early adopt. We do not anticipate a significant impact to our consolidated financial statements.
Significant Accounting Policies	Significant Accounting Policies – The preparation of consolidated financial statements in conformity with GAAP requires We believe the application of accounting policies and the estimates required therein are reasonable. These accounting policies and estimates are constantly reevaluated, and adjustments are made when facts and circumstances dictate a change. Historically, we have found our application of accounting policies to be appropriate, and actual results have not differed materially from those determined using necessary estimates. We have identified the following significant accounting policies:
Investments	Investments – FASB Investments – Debt Securities a. Trading securities . . b. Available-for-sale securities. Investments not classified as trading securities (nor as HTM securities) shall be classified as available-for-sale (“AFS”) securities. We do not have any securities that are classified as trading securities. AFS securities are reported at fair value, with unrealized gains and losses included as a separate component of shareholders’ equity, net of tax. If declines in fair value are other than temporary, the carrying value of the securities is written down to fair value as a realized loss with a charge to income for the portion attributable to credit losses and a charge to other comprehensive income for the portion that is not credit related. For AFS debt securities in an unrealized loss position, we evaluate the securities to determine whether the decline in the fair value below the amortized cost basis (impairment) is due to credit-related factors or non-credit related factors. Any impairment that is not credit-related is recognized in accumulated other comprehensive income, net of tax. Credit-related impairment is recognized as an allowance for credit losses (“ACL”) for AFS debt securities on the consolidated balance sheet, limited to the amount by which the amortized cost basis exceeds the fair value, with a corresponding adjustment to earnings. Accrued interest receivable on AFS debt securities is excluded from the estimate of credit losses. Both the ACL for AFS debt securities and the adjustment to net income may be reversed if conditions change. However, if we intend to sell an impaired AFS debt security or more likely than not will be required to sell such a security before recovering its amortized cost basis, the entire impairment amount would be recognized in earnings with a corresponding adjustment to the security’s amortized cost basis. Because the security’s amortized cost basis is adjusted to fair value, there is no ACL for AFS debt securities in this situation. In evaluating AFS debt securities in unrealized loss positions for impairment and the criteria regarding its intent or requirement to sell such securities, we consider the extent to which fair value is less than amortized cost, whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuers’ financial condition, among other factors. There were no credit related factors underlying unrealized losses on AFS debt securities at September 30, 2024 and December 31, 2023, therefore, no ACL for AFS securities was recorded. Changes in the ACL for AFS debt securities are recorded as expense. Losses are charged against the ACL for AFS debt securities when management believes the uncollectability of an AFS debt security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Gains or losses on disposition of debt securities are computed by specific identification for those securities. Interest and dividend income, adjusted by amortization of purchase premium or discount, is included in earnings. HTM securities are subject to an allowance for lifetime expected credit losses, determined by adjusting historical loss information for current conditions and reasonable and supportable forecasts. The forward-looking evaluation of lifetime expected losses will be performed on a pooled basis for debt securities that share similar risk characteristics. These allowances for expected losses must be made by the holder of the HTM debt security when the security is purchased. At September 30, 2024 and 2023, CTBI held no securities designated as HTM. CTBI accounts for equity securities in accordance with ASC 321, Investments – Equity Securities Equity securities with a readily determinable fair value are required to be measured at fair value, with changes in fair value recognized in net income. Equity securities without a readily determinable fair value are carried at cost, less any impairment, if any, plus or minus changes resulting from observable price changes for identical or similar investments. As permitted by ASC 321-10-35-2, CTBI can make an irrevocable election to subsequently measure an equity security without a readily determinable fair value, and all identical or similar investments of the same issuer, including future purchases of identical or similar investments of the same issuer, at fair value. CTBI has made this election for our Visa Class B equity securities. The fair value of these securities was determined by a third party service provider using Level 3 inputs as defined in ASC 820, Fair Value Measurement
Loans	Loans –
Allowance for Credit Losses	Allowance for Credit Losses – In the event that collection of principal becomes uncertain, CTBI has policies in place to reverse accrued interest in a timely manner. Therefore, CTBI elected ASU 2019-04 which allows that accrued interest would continue to be presented separately and not part of the amortized cost of the loan. The methodology used by CTBI is developed using the current loan balance, which is then compared to amortized cost balances to analyze the impact. The difference in amortized cost basis versus consideration of loan balances impacts the ACL calculation by one We maintain an ACL at a level that is appropriate to cover estimated credit losses on individually evaluated loans, as well as estimated credit losses inherent in the remainder of the loan and lease portfolio. Credit losses are charged and recoveries are credited to the ACL. We utilize an internal risk grading system for commercial credits. Those credits that meet the following criteria are subject to individual evaluation: the loan has an outstanding bank share balance of $1 million or greater and meets one of the following criteria: (i) has a criticized risk rating, (ii) is in nonaccrual status, (iii) the borrower is experiencing financial difficulty with significant payment delay, or (iv) is 90 days or more past due. The borrower’s cash flow, adequacy of collateral coverage, and other options available to CTBI, including legal remedies, are evaluated. We evaluate the collectability of both principal and interest when assessing the need for loss provision. Historical loss rates are analyzed and applied to other commercial loan segments not subject to individual evaluation. Homogenous loans, such as consumer installment, residential mortgages, and home equity lines are not individually risk graded. The associated ACL for these loans is measured in pools with similar risk characteristics under ASC 326. When any secured commercial loan is considered uncollectable, whether past due or not, a current assessment of the value of the underlying collateral is made. If the balance of the loan exceeds the fair value of the collateral, the loan is placed on nonaccrual and the loan is charged down to the value of the collateral less estimated cost to sell. For commercial loans greater than $1 million that are categorized as individually evaluated based on the criteria listed above , All closed-end consumer loans (excluding conventional 1-4 family residential loans and installment and revolving loans secured by real estate) are charged off no later than 120 days (five monthly payments) delinquent. If a loan is considered uncollectable, it is charged off earlier than 120 days delinquent. For conventional 1-4 family residential loans and installment and revolving loans secured by real estate, when a loan is 90 days past due, a current assessment of the value of the real estate is made. If the balance of the loan exceeds the fair value of the property, the loan is placed on nonaccrual. Foreclosure proceedings are normally initiated after 120 days. When the foreclosed property has been legally assigned to CTBI, the fair value less estimated costs to sell is transferred to other real estate owned and the remaining balance is taken as a charge-off. CTBI utilizes third party software and discounted cash flow loss rate methodologies for all loan segments. Within the discount cash flow calculation, an effective yield of the instrument is calculated, net of the impacts of prepayment assumptions, and the instrument expected cash flows. The expected cash flows were modeled considering probability of default and segment-specific loss given default (“LGD”) risk factors, utilizing the software’s proprietary database of financial institutions’ filings, evaluated first by geography and asset size and then with the utilization of standard deviations, to assure relevance to CTBI’s loan segments along with CTBI’s own loss history. Cash flows are then discounted at that effective yield to produce an instrument-level net present value (“NPV”) of expected cash flows. An ACL is established for the difference between the instrument’s NPV and amortized cost basis. Any changes in NPV between periods is recorded as provision for credit losses. The modeling of expected prepayment speeds, curtailment rates, and time to recovery are based on historical internal data and adjusted, if necessary, based on the reasonable and supportable forecast of economic conditions. Management incorporates qualitative factors to loss estimates used to derive CTBI’s total ACL including delinquency trends, current economic conditions and trends, strength of supervision and administration of the loan portfolio, levels of underperforming loans, underwriting exceptions, and industry concentrations. Forecast factors include gross domestic product, retail and food service sales, and S&P/Case-Shiller US National Home Price Index. Management continually reevaluates the other subjective factors included in our ACL analysis.
Goodwill and Core Deposit Intangible	Goodwill and Core Deposit Intangible – We evaluate total goodwill and core deposit intangible for impairment, based upon ASC 350, Intangibles-Goodwill and Other, using fair value techniques including multiples of price/equity. Goodwill and core deposit intangible are evaluated for impairment on an annual basis or as other events may warrant. The balance of goodwill, at $65.5 million, has not changed since January 1, 2015.
Income Taxes	– Income tax expense is based on the taxes due on the consolidated tax return plus deferred taxes based on the expected future tax benefits and consequences of temporary differences between carrying amounts and tax bases of assets and liabilities, using enacted tax rates. Any interest and penalties incurred in connection with income taxes are recorded as a component of income tax expense in our consolidated financial statements. During the nine months ended September 30, 2024 and 2023, CTBI has not recognized a significant amount of interest expense or penalties in connection with income taxes .
Estimated Credit Losses on Off-Balance Sheet Credit Exposures Recognized as Other Liabilities	Estimated Credit Losses on Off-Balance Sheet Credit Exposures Recognized as Other Liabilitie – CTBI estimates expected credit losses over the contractual period in which it has exposure to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by CTBI. The ACL on off-balance sheet credit exposures recognized in other liabilities, is adjusted as an expense in other non-interest expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated lives. Estimating credit losses on unfunded commitments requires CTBI to consider the following categories of off-balance sheet credit exposure: unfunded commitments to extend credit, unfunded lines of credit, and standby letters of credit. Each of these unfunded commitments is then analyzed for a probability of funding to calculate a probable funding amount. The life of loan loss factor by related portfolio segment from the loan ACL calculation is then applied to the probable funding amount to calculate the estimated credit losses on off-balance sheet credit exposures recognized as other liabilities .

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	9 Months Ended
	Sep. 30, 2024
Summary of Significant Accounting Policies [Abstract]
Schedule of Unfunded Commitments	Of the amount outstanding, the contribution schedule is as follows: (in thousands) Amount due in: Unfunded Commitments 2024 $ 1,835 2025 2,000 2026 315 2027 146 2028 146 After 508

Securities (Tables)

Securities (Tables)	9 Months Ended
	Sep. 30, 2024
Securities [Abstract]
Amortized Cost and Fair Value of Available-for-sale Securities	The amortized cost and fair value of debt securities at September Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasury and government agencies $ 361,391 $ 106 $ (17,297 ) $ 344,200 State and political subdivisions 306,163 124 (40,416 ) 265,871 U.S. government sponsored agency mortgage-backed securities 488,382 283 (49,916 ) 438,749 Asset-backed securities 49,353 11 (108 ) 49,256 Total available-for-sale securities $ 1,205,289 $ 524 $ (107,737 ) $ 1,098,076 The amortized cost and fair value of debt securities at December 31, 2023 are summarized as follows: Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasury and government agencies $ 381,268 $ 121 $ (26,572 ) $ 354,817 State and political subdivisions 313,147 88 (48,290 ) 264,945 U.S. government sponsored agency mortgage-backed securities 518,836 36 (62,136 ) 456,736 Asset-backed securities 87,993 0 (767 ) 87,226 Total available-for-sale securities $ 1,301,244 $ 245 $ (137,765 ) $ 1,163,724
Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	The amortized cost and fair value of debt securities at September 30, 2024 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Available-for-Sale (in thousands) Amortized Cost Fair Value Due in one year or less $ 114,439 $ 112,880 Due after one through five years 284,062 265,955 Due after five through ten years 131,994 117,251 Due after ten years 137,059 113,985 U.S. government sponsored agency mortgage-backed securities 488,382 438,749 Asset-backed securities 49,353 49,256 Total debt securities $ 1,205,289 $ 1,098,076
Available for Sale Securities, Continuous Unrealized Loss Position	CTBI evaluates its investment portfolio on a quarterly basis for impairment. The analysis performed as of September September September Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 0 $ 0 $ 0 State and political subdivisions 635 (24 ) 611 U.S. government sponsored agency mortgage-backed securities 26,266 (188 ) 26,078 Asset-backed securities 24,547 (34 ) 24,513 Total <12 months 51,448 (246 ) 51,202 12 Months or More U.S. Treasury and government agencies 351,541 (17,297 ) 334,244 State and political subdivisions 289,200 (40,392 ) 248,808 U.S. government sponsored agency mortgage-backed securities 435,447 (49,728 ) 385,719 Asset-backed securities 15,939 (74 ) 15,865 Total ≥12 months 1,092,127 (107,491 ) 984,636 Total U.S. Treasury and government agencies 351,541 (17,297 ) 334,244 State and political subdivisions 289,835 (40,416 ) 249,419 U.S. government sponsored agency mortgage-backed securities 461,713 (49,916 ) 411,797 Asset-backed securities 40,486 (108 ) 40,378 Total $ 1,143,575 $ (107,737 ) $ 1,035,838 The analysis performed as of December 31, 2023 indicated that all impairment was considered temporary, market and interest rate driven, and not credit-related. The following table provides the amortized cost, gross unrealized losses, and fair value, aggregated by investment category and length of time the individual securities have been in a continuous unrealized loss position as of December 31, 2023 that are not deemed to be other-than-temporarily impaired. Available-for-Sale (in thousands) Amortized Cost Gross Unrealized Losses Fair Value Less Than 12 Months U.S. Treasury and government agencies $ 3,761 $ (5 ) $ 3,756 State and political subdivisions 16,154 (1,250 ) 14,904 U.S. government sponsored agency mortgage-backed securities 16,056 (289 ) 15,767 Asset-backed securities 0 0 0 Total <12 months 35,971 (1,544 ) 34,427 12 Months or More U.S. Treasury and government agencies 361,038 (26,567 ) 334,471 State and political subdivisions 284,397 (47,040 ) 237,357 U.S. government sponsored agency mortgage-backed securities 500,763 (61,847 ) 438,916 Asset-backed securities 87,993 (767 ) 87,226 Total ≥12 months 1,234,191 (136,221 ) 1,097,970 Total U.S. Treasury and government agencies 364,799 (26,572 ) 338,227 State and political subdivisions 300,551 (48,290 ) 252,261 U.S. government sponsored agency mortgage-backed securities 516,819 (62,136 ) 454,683 Asset-backed securities 87,993 (767 ) 87,226 Total $ 1,270,162 $ (137,765 ) $ 1,132,397

Loans (Tables)

Loans (Tables)	9 Months Ended
	Sep. 30, 2024
Loans [Abstract]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans	Major classifications of loans, net of unearned income, deferred loan origination costs and fees, and net premiums on acquired loans, are summarized as follows: (in thousands) September 30 2024 December 31 2023 Hotel/motel $ 453,465 $ 395,765 Commercial real estate residential 485,004 417,943 Commercial real estate nonresidential 834,985 778,637 Dealer floorplans 86,693 70,308 Commercial other 353,943 321,082 Commercial loans 2,214,090 1,983,735 Real estate mortgage 1,003,123 937,524 Home equity lines 163,013 147,036 Residential loans 1,166,136 1,084,560 Consumer direct 154,061 159,106 Consumer indirect 816,187 823,505 Consumer loans 970,248 982,611 Loans and lease financing $ 4,350,474 $ 4,050,906
Balance in ACL	The following tables present the balance in the ACL for the periods ended September 30, 2024, December 31, 2023 and September Three Months Ended September 30, 2024 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 4,447 $ 581 $ 0 $ 0 $ 5,028 Commercial real estate residential 4,349 139 0 5 4,493 Commercial real estate nonresidential 8,706 388 0 6 9,100 Dealer floorplans 561 78 0 0 639 Commercial other 3,385 53 (278 ) 228 3,388 Real estate mortgage 11,840 651 (37 ) 6 12,460 Home equity 1,318 63 (40 ) 5 1,346 Consumer direct 3,604 65 (249 ) 43 3,463 Consumer indirect 13,938 718 (2,132 ) 919 13,443 Total $ 52,148 $ 2,736 $ (2,736 ) $ 1,212 $ 53,360 Nine Months Ended September 30, 2024 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 4,592 $ 436 $ 0 $ 0 $ 5,028 Commercial real estate residential 4,285 189 0 19 4,493 Commercial real estate nonresidential 7,560 1,481 0 59 9,100 Dealer floorplans 659 (20 ) 0 0 639 Commercial other 3,760 316 (1,124 ) 436 3,388 Real estate mortgage 10,197 2,327 (88 ) 24 12,460 Home equity 1,367 6 (40 ) 13 1,346 Consumer direct 3,261 999 (971 ) 174 3,463 Consumer indirect 13,862 2,630 (6,016 ) 2,967 13,443 Total $ 49,543 $ 8,364 $ (8,239 ) $ 3,692 $ 53,360 Year Ended December 31, 2023 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 5,171 $ (579 ) $ 0 $ 0 $ 4,592 Commercial real estate residential 4,894 (706 ) (28 ) 125 4,285 Commercial real estate nonresidential 9,419 (2,252 ) (294 ) 687 7,560 Dealer floorplans 1,776 (1,117 ) 0 0 659 Commercial other 5,285 (91 ) (1,900 ) 466 3,760 Real estate mortgage 7,932 2,364 (140 ) 41 10,197 Home equity 1,106 278 (23 ) 6 1,367 Consumer direct 1,694 1,804 (541 ) 304 3,261 Consumer indirect 8,704 7,110 (5,333 ) 3,381 13,862 Total $ 45,981 $ 6,811 $ (8,259 ) $ 5,010 $ 49,543 Three Months Ended September 30, 2023 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 5,192 $ 611 $ 0 $ 0 $ 5,803 Commercial real estate residential 3,749 66 0 9 3,824 Commercial real estate nonresidential 7,797 181 0 39 8,017 Dealer floorplans 1,157 (314 ) 0 0 843 Commercial other 6,176 (595 ) (195 ) 159 5,545 Real estate mortgage 7,884 439 (4 ) 17 8,336 Home equity 1,108 59 (10 ) 1 1,158 Consumer direct 2,563 157 (148 ) 41 2,613 Consumer indirect 12,392 1,267 (1,655 ) 576 12,580 Total $ 48,018 $ 1,871 $ (2,012 ) $ 842 $ 48,719 Nine Months Ended September 30, 2023 (in thousands) Beginning Balance Provision Charged to Expense Losses Charged Off Recoveries Ending Balance ACL Hotel/motel $ 5,171 $ 632 $ 0 $ 0 $ 5,803 Commercial real estate residential 4,894 (1,132 ) (28 ) 90 3,824 Commercial real estate nonresidential 9,419 (1,765 ) (9 ) 372 8,017 Dealer floorplans 1,776 (933 ) 0 0 843 Commercial other 5,285 1,376 (1,455 ) 339 5,545 Real estate mortgage 7,932 470 (99 ) 33 8,336 Home equity 1,106 71 (23 ) 4 1,158 Consumer direct 1,694 1,069 (386 ) 236 2,613 Consumer indirect 8,704 5,208 (3,730 ) 2,398 12,580 Total $ 45,981 $ 4,996 $ (5,730 ) $ 3,472 $ 48,719
Nonaccrual Loans and Accruing Loans 90 Days Past Due Segregated by Loan Segment	Refer to Note 1 to the condensed consolidated financial statements for further information regarding our nonaccrual policy. Nonaccrual loans and loans 90 days past due and still accruing, segregated by loan segment, as of September 30, 2024 and December 31, 2023 were as follows: September 30, 2024 (in thousands) Nonaccrual Loans with No ACL Nonaccrual Loans with ACL 90+ and Still Accruing Total Nonperforming Loans Hotel/motel $ 0 $ 0 $ 0 $ 0 Commercial real estate residential 0 661 700 1,361 Commercial real estate nonresidential 0 592 10,923 11,515 Commercial other 209 872 641 1,722 Total commercial loans 209 2,125 12,264 14,598 Real estate mortgage 0 3,016 5,515 8,531 Home equity lines 0 179 691 870 Total residential loans 0 3,195 6,206 9,401 Consumer direct 0 451 36 487 Consumer indirect 0 0 605 605 Total consumer loans 0 451 641 1,092 Loans and lease financing $ 209 $ 5,771 $ 19,111 $ 25,091 December 31, 2023 (in thousands) Nonaccrual Loans with No ACL Nonaccrual Loans with ACL 90+ and Still Accruing Total Nonperforming Loans Hotel/motel $ 0 $ 0 $ 0 $ 0 Commercial real estate residential 0 498 1,059 1,557 Commercial real estate nonresidential 0 680 2,270 2,950 Dealer floorplans 0 0 0 0 Commercial other 236 452 162 850 Total commercial loans 236 1,630 3,491 5,357 Real estate mortgage 0 1,996 5,302 7,298 Home equity lines 0 186 557 743 Total residential loans 0 2,182 5,859 8,041 Consumer direct 0 0 15 15 Consumer indirect 0 0 555 555 Total consumer loans 0 0 570 570 Loans and lease financing $ 236 $ 3,812 $ 9,920 $ 13,968
Bank's Loan Portfolio Aging Analysis, Segregated by Class	The following tables present CTBI’s loan portfolio aging analysis, segregated by class, as of September 30, 2024 and December 31, 2023 (includes loans 90 days past due and still accruing as well): September 30, 2024 (in thousands) 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Past Due Current Total Loans Hotel/motel $ 0 $ 0 $ 0 $ 0 $ 453,465 $ 453,465 Commercial real estate residential 1,278 259 1,361 2,898 482,106 485,004 Commercial real estate nonresidential 2,189 2,752 11,246 16,187 818,798 834,985 Dealer floorplans 0 0 0 0 86,693 86,693 Commercial other 747 272 1,575 2,594 351,349 353,943 Total commercial loans 4,214 3,283 14,182 21,679 2,192,411 2,214,090 Real estate mortgage 2,450 3,952 8,028 14,430 988,693 1,003,123 Home equity lines 1,026 191 852 2,069 160,944 163,013 Total residential loans 3,476 4,143 8,880 16,499 1,149,637 1,166,136 Consumer direct 518 61 487 1,066 152,995 154,061 Consumer indirect 4,153 1,019 605 5,777 810,410 816,187 Total consumer loans 4,671 1,080 1,092 6,843 963,405 970,248 Loans and lease financing $ 12,361 $ 8,506 $ 24,154 $ 45,021 $ 4,305,453 $ 4,350,474 December 31, 2023 (in thousands) 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Past Due Current Total Loans Hotel/motel $ 0 $ 0 $ 0 $ 0 $ 395,765 $ 395,765 Commercial real estate residential 1,047 275 1,525 2,847 415,096 417,943 Commercial real estate nonresidential 549 332 2,619 3,500 775,137 778,637 Dealer floorplans 0 0 0 0 70,308 70,308 Commercial other 663 494 641 1,798 319,284 321,082 Total commercial loans 2,259 1,101 4,785 8,145 1,975,590 1,983,735 Real estate mortgage 1,323 3,455 6,168 10,946 926,578 937,524 Home equity lines 911 273 707 1,891 145,145 147,036 Total residential loans 2,234 3,728 6,875 12,837 1,071,723 1,084,560 Consumer direct 1,013 118 15 1,146 157,960 159,106 Consumer indirect 4,550 1,029 555 6,134 817,371 823,505 Total consumer loans 5,563 1,147 570 7,280 975,331 982,611 Loans and lease financing $ 10,056 $ 5,976 $ 12,230 $ 28,262 $ 4,022,644 $ 4,050,906
Credit Risk Profile of the Bank's Commercial Loan Portfolio Based on Rating Category and Payment Activity, Segregated by Loan Segment	The following tables present the credit risk profile of CTBI’s commercial loan portfolio based on rating category and payment activity, segregated by loan segment and based on last credit decision or year of origination: Term Loans Amortized Cost Basis by Origination Year (in thousand s) September 30 2024 2023 2022 2021 2020 Prior Revolving Loans Total Hotel/motel Risk rating: Pass $ 56,458 $ 79,630 $ 143,289 $ 27,364 $ 17,276 $ 69,756 $ 5,398 $ 399,171 Watch 0 11,336 10,901 6,616 4,493 14,971 0 48,317 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 4,023 0 0 1,954 0 5,977 Doubtful 0 0 0 0 0 0 0 0 Total hotel/motel 56,458 90,966 158,213 33,980 21,769 86,681 5,398 453,465 Commercial real estate residential Risk rating: Pass 134,673 92,523 81,747 62,759 27,219 40,772 17,321 457,014 Watch 5,169 2,551 1,822 3,902 1,735 5,508 55 20,742 OAEM 0 121 0 0 0 88 48 257 Substandard 35 823 625 411 341 4,756 0 6,991 Doubtful 0 0 0 0 0 0 0 0 Total commercial real estate residential 139,877 96,018 84,194 67,072 29,295 51,124 17,424 485,004 Commercial real estate nonresidential Risk rating: Pass 131,839 126,833 126,006 123,387 64,260 162,619 36,589 771,533 Watch 3,710 1,622 4,054 9,656 4,119 7,554 547 31,262 OAEM 0 0 15 385 0 48 0 448 Substandard 4,453 1,533 1,553 2,254 11,204 10,743 0 31,740 Doubtful 0 0 0 0 0 2 0 2 Total commercial real estate nonresidential 140,002 129,988 131,628 135,682 79,583 180,966 37,136 834,985 Dealer floorplans Risk rating: Pass 0 0 0 0 0 0 84,835 84,835 Watch 0 0 0 0 0 0 1,858 1,858 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 0 0 0 0 0 0 Doubtful 0 0 0 0 0 0 0 0 Total dealer floorplans 0 0 0 0 0 0 86,693 86,693 Commercial other Risk rating: Pass 78,716 48,287 41,287 27,102 26,125 20,196 74,308 316,021 Watch 2,544 895 609 219 118 567 13,954 18,906 OAEM 0 28 0 8,609 0 0 30 8,667 Substandard 1,243 4,284 2,396 464 455 168 1,339 10,349 Doubtful 0 0 0 0 0 0 0 0 Total commercial other 82,503 53,494 44,292 36,394 26,698 20,931 89,631 353,943 Commercial other current period gross charge-offs (973 ) (11 ) (116 ) (17 ) (2 ) (5 ) 0 (1,124 ) Commercial loans Risk rating: Pass 401,686 347,273 392,329 240,612 134,880 293,343 218,451 2,028,574 Watch 11,423 16,404 17,386 20,393 10,465 28,600 16,414 121,085 OAEM 0 149 15 8,994 0 136 78 9,372 Substandard 5,731 6,640 8,597 3,129 12,000 17,621 1,339 55,057 Doubtful 0 0 0 0 0 2 0 2 Total commercial loans $ 418,840 $ 370,466 $ 418,327 $ 273,128 $ 157,345 $ 339,702 $ 236,282 $ 2,214,090 Total commercial loans current period gross charge-offs $ (973 ) $ (11 ) $ (116 ) $ (17 ) $ (2 ) $ (5 ) $ 0 $ (1,124 ) Term Loans Amortized Cost Basis by Origination Year (in thousand s) December 31 2023 2022 2021 2020 2019 Prior Revolving Loans Total Hotel/motel Risk rating: Pass $ 79,651 $ 144,826 $ 28,011 $ 17,664 $ 40,873 $ 42,029 $ 4,042 $ 357,096 Watch 11,569 2,826 6,835 4,623 3,361 1,648 0 30,862 OAEM 0 3,982 0 0 0 1,954 0 5,936 Substandard 0 0 0 0 0 1,118 0 1,118 Doubtful 0 0 0 0 0 753 0 753 Total hotel/motel 91,220 151,634 34,846 22,287 44,234 47,502 4,042 395,765 Commercial real estate residential Risk rating: Pass 109,304 89,119 98,896 30,972 11,908 36,964 14,700 391,863 Watch 2,317 2,131 473 1,395 721 6,359 124 13,520 OAEM 0 0 0 0 0 63 0 63 Substandard 760 854 4,532 834 285 5,232 0 12,497 Doubtful 0 0 0 0 0 0 0 0 Total commercial real estate residential 112,381 92,104 103,901 33,201 12,914 48,618 14,824 417,943 Commercial real estate residential current period gross charge-offs 0 0 (28 ) 0 0 0 0 (28 ) Commercial real estate nonresidential Risk rating: Pass 149,633 142,580 136,090 68,240 55,850 140,074 31,536 724,003 Watch 552 3,664 6,305 2,347 1,938 6,003 354 21,163 OAEM 2,375 15 0 7,255 0 1,486 0 11,131 Substandard 2,520 1,598 2,538 4,472 2,000 9,199 0 22,327 Doubtful 0 0 0 0 0 13 0 13 Total commercial real estate nonresidential 155,080 147,857 144,933 82,314 59,788 156,775 31,890 778,637 Commercial real estate nonresidential current period gross charge-offs 0 0 (7 ) 0 0 (287 ) 0 (294 ) Dealer floorplans Risk rating: Pass 0 0 0 0 0 0 70,308 70,308 Watch 0 0 0 0 0 0 0 0 OAEM 0 0 0 0 0 0 0 0 Substandard 0 0 0 0 0 0 0 0 Doubtful 0 0 0 0 0 0 0 0 Total dealer floorplans 0 0 0 0 0 0 70,308 70,308 Commercial other Risk rating: Pass 73,115 47,575 40,448 30,033 4,780 22,588 81,791 300,330 Watch 1,138 1,109 569 126 239 635 5,877 9,693 OAEM 29 0 0 0 0 0 30 59 Substandard 4,921 3,581 381 890 211 403 613 11,000 Doubtful 0 0 0 0 0 0 0 0 Total commercial other 79,203 52,265 41,398 31,049 5,230 23,626 88,311 321,082 Commercial other current period gross charge-offs (725 ) (710 ) (302 ) (27 ) (90 ) (46 ) 0 (1,900 ) Commercial loans Risk rating: Pass 411,703 424,100 303,445 146,909 113,411 241,655 202,377 1,843,600 Watch 15,576 9,730 14,182 8,491 6,259 14,645 6,355 75,238 OAEM 2,404 3,997 0 7,255 0 3,503 30 17,189 Substandard 8,201 6,033 7,451 6,196 2,496 15,952 613 46,942 Doubtful 0 0 0 0 0 766 0 766 Total commercial loans $ 437,884 $ 443,860 $ 325,078 $ 168,851 $ 122,166 $ 276,521 $ 209,375 $ 1,983,735 Total commercial loans current period gross charge-offs $ (725 ) $ (710 ) $ (337 ) $ (27 ) $ (90 ) $ (333 ) $ 0 $ (2,222 )
Credit Risk Profile of Residential Real Estate and Consumer Loan Portfolio Based on Performing and Nonperforming Status Segregated by Class	The following tables present the credit risk profile of CTBI’s residential real estate and consumer loan portfolios based on performing or nonperforming status, segregated by class: Term Loans Amortized Cost Basis by Origination Year (in thousands) September 30 2024 2023 2022 2021 2020 Prior Revolving Loans Total Home equity lines Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 7,550 $ 154,593 $ 162,143 Nonperforming 0 0 0 0 0 409 461 870 Total home equity lines 0 0 0 0 0 7,959 155,054 163,013 Home equity lines current period gross charge-offs 0 0 0 0 0 (40 ) 0 (40 ) Mortgage loans Performing 130,527 199,633 145,699 148,965 110,835 258,933 0 994,592 Nonperforming 0 856 688 675 280 6,032 0 8,531 Total mortgage loans 130,527 200,489 146,387 149,640 111,115 264,965 0 1,003,123 Mortgage loans current period gross charge-offs 0 0 (27 ) 0 0 (61 ) 0 (88 ) Residential loans Performing 130,527 199,633 145,699 148,965 110,835 266,483 154,593 1,156,735 Nonperforming 0 856 688 675 280 6,441 461 9,401 Total residential loans $ 130,527 $ 200,489 $ 146,387 $ 149,640 $ 111,115 $ 272,924 $ 155,054 $ 1,166,136 Total residential loans current period gross charge-offs $ 0 $ 0 $ 0 $ (27 ) $ 0 $ (101 ) $ 0 $ (128 ) Consumer direct loans Performing $ 44,620 $ 40,654 $ 24,086 $ 18,896 $ 10,773 $ 14,545 $ 0 $ 153,574 Nonperforming 0 13 461 0 7 6 0 487 Total consumer direct loans 44,620 40,667 24,547 18,896 10,780 14,551 0 154,061 Total consumer direct loans current period gross charge-offs (9 ) (239 ) (593 ) (67 ) (18 ) (45 ) 0 (971 ) Consumer indirect loans Performing 231,296 269,322 183,318 74,893 42,356 14,397 0 815,582 Nonperforming 58 231 222 69 9 16 0 605 Total consumer indirect loans 231,354 269,553 183,540 74,962 42,365 14,413 0 816,187 Total consumer indirect loans current period gross charge-offs (171 ) (2,151 ) (2,059 ) (1,222 ) (198 ) (215 ) 0 (6,016 ) Consumer loans Performing 275,916 309,976 207,404 93,789 53,129 28,942 0 969,156 Nonperforming 58 244 683 69 16 22 0 1,092 Total consumer loans $ 275,974 $ 310,220 $ 208,087 $ 93,858 $ 53,145 $ 28,964 $ 0 $ 970,248 Total consumer loans current period gross charge-offs $ (180 ) $ (2,390 ) $ (2,652 ) $ (1,289 ) $ (216 ) $ (260 ) $ 0 $ (6,987 ) Term Loans Amortized Cost Basis by Origination Year (in thousands) December 31 2023 2022 2021 2020 2019 Prior Revolving Loans Total Home equity lines Performing $ 0 $ 0 $ 0 $ 0 $ 0 $ 7,630 $ 138,663 $ 146,293 Nonperforming 0 0 0 0 0 442 301 743 Total home equity lines 0 0 0 0 0 8,072 138,964 147,036 Home equity lines current period gross charge-offs 0 0 0 0 0 (23 ) 0 (23 ) Mortgage loans Performing 200,442 162,407 159,857 119,772 56,601 231,147 0 930,226 Nonperforming 0 200 151 192 533 6,222 0 7,298 Total mortgage loans 200,442 162,607 160,008 119,964 57,134 237,369 0 937,524 Mortgage loans current period gross charge-offs 0 0 (47 ) 0 (40 ) (53 ) 0 (140 ) Residential loans Performing 200,442 162,407 159,857 119,772 56,601 238,777 138,663 1,076,519 Nonperforming 0 200 151 192 533 6,664 301 8,041 Total residential loans $ 200,442 $ 162,607 $ 160,008 $ 119,964 $ 57,134 $ 245,441 $ 138,964 $ 1,084,560 Total residential loans current period gross charge-offs $ 0 $ 0 $ (47 ) $ 0 $ (40 ) $ (76 ) $ 0 $ (163 ) Consumer direct loans Performing $ 63,686 $ 34,722 $ 26,250 $ 15,560 $ 6,951 $ 11,922 $ 0 $ 159,091 Nonperforming 0 4 11 0 0 0 0 15 Total consumer direct loans 63,686 34,726 26,261 15,560 6,951 11,922 0 159,106 Total consumer direct loans current period gross charge-offs (65 ) (263 ) (129 ) (37 ) (27 ) (20 ) 0 (541 ) Consumer indirect loans Performing 359,049 251,086 109,231 69,319 23,767 10,498 0 822,950 Nonperforming 133 223 157 11 22 9 0 555 Total consumer indirect loans 359,182 251,309 109,388 69,330 23,789 10,507 0 823,505 Total consumer indirect loans current period gross charge-offs (541 ) (2,320 ) (1,688 ) (492 ) (121 ) (171 ) 0 (5,333 ) Consumer loans Performing 422,735 285,808 135,481 84,879 30,718 22,420 0 982,041 Nonperforming 133 227 168 11 22 9 0 570 Total consumer loans $ 422,868 $ 286,035 $ 135,649 $ 84,890 $ 30,740 $ 22,429 $ 0 $ 982,611 Total consumer loans current period gross charge-offs $ (606 ) $ (2,583 ) $ (1,817 ) $ (529 ) $ (148 ) $ (191 ) $ 0 $ (5,874 )
Collateral Dependent Loans Evaluated Individually by Segment	In accordance with ASC 326-20-30-2, if a loan does not share risk characteristics with other pooled loans in determining the ACL, the loan shall be evaluated for expected credit losses on an individual basis. Of the loans that CTBI has individually evaluated, the loans listed below by segment are those that are collateral dependent: September 30, 2024 (in thousands) Number of Loans Recorded Investment Specific Reserve Hotel/motel 2 $ 5,595 $ 0 Commercial real estate residential 0 0 0 Commercial real estate nonresidential 9 28,354 325 Commercial other 3 13,368 0 Total collateral dependent loans 14 $ 47,317 $ 325 December 31, 2023 (in thousands) Number of Loans Recorded Investment Specific Reserve Hotel/motel 3 $ 6,810 $ 0 Commercial real estate residential 2 5,080 0 Commercial real estate nonresidential 9 21,637 250 Commercial other 2 5,658 0 Total collateral dependent loans 16 $ 39,185 $ 250 September 30, 2023 (in thousands) Number of Loans Recorded Investment Specific Reserve Hotel/motel 2 $ 8,029 $ 0 Commercial real estate residential 2 5,116 0 Commercial real estate nonresidential 6 11,633 0 Commercial other 2 6,201 0 Total collateral dependent loans 12 $ 30,979 $ 0
Modified Loans Segregated by Loan Segment and Concession Granted	Certain loans have been modified where the customer is facing financial difficulty and economic concessions were granted to borrowers consisting of reductions in the interest rates, payment extensions, forgiveness of principal, and forbearances. These loans, segregated by loan segment and concession granted, are presented below : Amortized Cost at September 30, 2024 (in thousands) Interest Rate Reduction % of total Term Extension % of total Hotel/motel $ 0 0.00 % $ 0 0.00 % Commercial real estate residential 0 0.00 0 0.00 Commercial real estate nonresidential 0 0.00 0 0.00 Dealer floorplans 0 0.00 0 0.00 Commercial other 0 0.00 345 0.10 Commercial loans 0 0.00 345 0.02 Real estate mortgage 183 0.02 2,030 0.20 Home equity lines 0 0.00 0 0.00 Residential loans 183 0.02 2,030 0.17 Consumer direct 0 0.00 71 0.05 Consumer indirect 0 0.00 0 0.00 Consumer loans 0 0.00 71 0.01 Loans and lease financing $ 183 0.00 % $ 2,446 0.06 % Amortized Cost at September 30, 2024 (in thousands) Combination – Term Extension and Interest Rate Reduction % of total Payment Change % of total Hotel/motel $ 0 0.00 % $ 1,954 0.43 % Commercial real estate residential 0 0.00 0 0.00 Commercial real estate nonresidential 0 0.00 0 0.00 Dealer floorplans 0 0.00 0 0.00 Commercial other 164 0.05 195 0.06 Commercial loans 164 0.01 2,149 0.10 Real estate mortgage 258 0.03 0 0.00 Home equity lines 32 0.02 0 0.00 Residential loans 290 0.02 0 0.00 Consumer direct 0 0.00 1 0.00 Consumer indirect 0 0.00 9 0.00 Consumer loans 0 0.00 10 0.00 Loans and lease financing $ 454 0.01 % $ 2,159 0.05 % Those loans, segregated by loan segment and concession granted, are presented below for the nine months ended September 30, 2024: Amortized Cost at September 30, 2024 (in thousands) Interest Rate Reduction % of total Term Extension % of total Hotel/motel $ 0 0.00 % $ 0 0.00 % Commercial real estate residential 0 0.00 78 0.02 Commercial real estate nonresidential 0 0.00 0 0.00 Dealer floorplans 0 0.00 0 0.00 Commercial other 0 0.00 937 0.26 Commercial loans 0 0.00 1,015 0.05 Real estate mortgage 1,020 0.10 7,125 0.71 Home equity lines 0 0.00 31 0.02 Residential loans 1,020 0.09 7,156 0.61 Consumer direct 0 0.00 103 0.07 Consumer indirect 0 0.00 279 0.03 Consumer loans 0 0.00 382 0.04 Loans and lease financing $ 1,020 0.02 % $ 8,553 0.20 % Amortized Cost at September 30, 2024 (in thousands) Combination – Term Extension and Interest Rate Reduction % of total Payment Change % of total Hotel/motel $ 0 0.00 % $ 1,954 0.43 % Commercial real estate residential 13 0.00 206 0.04 Commercial real estate nonresidential 27 0.00 0 0.00 Dealer floorplans 0 0.00 0 0.00 Commercial other 174 0.05 934 0.26 Commercial loans 214 0.01 3,094 0.14 Real estate mortgage 590 0.06 0 0.00 Home equity lines 112 0.07 0 0.00 Residential loans 702 0.06 0 0.00 Consumer direct 0 0.00 1 0.00 Consumer indirect 0 0.00 64 0.01 Consumer loans 0 0.00 65 0.01 Loans and lease financing $ 916 0.02 % $ 3,159 0.07 % Those loans, segregated by loan segment and concession granted, are presented below for the year ended December 31, 2023: Amortized Cost at December 31, 2023 (in thousands) Interest Rate Reduction % of total Term Extension % of total Hotel/motel $ 0 0.00 % $ 0 0.00 % Commercial real estate residential 534 0.13 1,788 0.43 Commercial real estate nonresidential 4,504 0.58 5,342 0.69 Dealer floorplans 0 0.00 0 0.00 Commercial other 0 0.00 6,025 1.88 Commercial loans 5,038 0.25 13,155 0.66 Real estate mortgage 581 0.06 5,431 0.58 Home equity lines 0 0.00 246 0.17 Residential loans 581 0.05 5,677 0.52 Consumer direct 0 0.00 165 0.10 Consumer indirect 0 0.00 334 0.04 Consumer loans 0 0.00 499 0.05 Loans and lease financing $ 5,619 0.14 % $ 19,331 0.48 % Amortized Cost at December 31, 2023 (in thousands) Combination – Term Extension and Interest Rate Reduction % of total Payment Change % of total Hotel/motel $ 0 0.00 % $ 1,955 0.49 % Commercial real estate residential 0 0.00 218 0.05 Commercial real estate nonresidential 0 0.00 0 0.00 Dealer floorplans 0 0.00 0 0.00 Commercial other 29 0.01 288 0.09 Commercial loans 29 0.00 2,461 0.01 Real estate mortgage 1,101 0.12 0 0.00 Home equity lines 125 0.09 42 0.03 Residential loans 1,226 0.11 42 0.00 Consumer direct 0 0.00 18 0.01 Consumer indirect 0 0.00 0 0.00 Consumer loans 0 0.00 18 0.00 Loans and lease financing $ 1,255 0.03 % $ 2,521 0.06 % Those loans, segregated by loan segment and concession granted, are presented below for the three months ended September 30, 2023: Amortized Cost at September 30, 2023 (in thousands) Interest Rate Reduction % of total Term Extension % of total Hotel/motel $ 0 0.00 % $ 0 0.00 % Commercial real estate residential 269 0.07 196 0.05 Commercial real estate nonresidential 0 0.00 1,883 0.24 Dealer floorplans 0 0.00 0 0.00 Commercial other 0 0.00 164 0.05 Commercial loans 269 0.01 2,243 0.11 Real estate mortgage 0 0.00 1,362 0.15 Home equity lines 0 0.00 224 0.16 Residential loans 0 0.00 1,586 0.15 Consumer direct 0 0.00 0 0.00 Consumer indirect 0 0.00 0 0.00 Consumer loans 0 0.00 0 0.00 Loans and lease financing $ 269 0.01 % $ 3,829 0.10 % Amortized Cost at September 30, 2023 (in thousands) Combination – Term Extension and Interest Rate Reduction % of total Payment Change % of total Hotel/motel $ 0 0.00 % $ 0 0.00 % Commercial real estate residential 0 0.00 0 0.00 Commercial real estate nonresidential 0 0.00 0 0.00 Dealer floorplans 0 0.00 0 0.00 Commercial other 0 0.00 81 0.03 Commercial loans 0 0.00 81 0.00 Real estate mortgage 661 0.07 0 0.00 Home equity lines 49 0.04 0 0.00 Residential loans 710 0.07 0 0.00 Consumer direct 0 0.00 0 0.00 Consumer indirect 0 0.00 0 0.00 Consumer loans 0 0.00 0 0.00 Loans and lease financing $ 710 0.02 % $ 81 0.00 % Those loans, segregated by loan segment and concession granted, are presented below for the nine months ended September 30, 2023: Amortized Cost at September 30, 2023 (in thousands) Interest Rate Reduction % of total Term Extension % of total Hotel/motel $ 0 0.00 % $ 0 0.00 % Commercial real estate residential 537 0.13 1,587 0.39 Commercial real estate nonresidential 4,542 0.58 5,297 0.67 Dealer floorplans 0 0.00 0 0.00 Commercial other 0 0.00 1,524 0.48 Commercial loans 5,079 0.26 8,408 0.43 Real estate mortgage 58 0.01 4,373 0.48 Home equity lines 0 0.00 250 0.18 Residential loans 58 0.01 4,623 0.44 Consumer direct 0 0.00 192 0.12 Consumer indirect 0 0.00 394 0.05 Consumer loans 0 0.00 586 0.06 Loans and lease financing $ 5,137 0.13 % $ 13,617 0.34 % Amortized Cost at September 30, 2023 (in thousands) Combination – Term Extension and Interest Rate Reduction % of total Payment Change % of total Hotel/motel $ 0 0.00 % $ 0 0.00 % Commercial real estate residential 44 0.01 0 0.00 Commercial real estate nonresidential 0 0.00 0 0.00 Dealer floorplans 0 0.00 0 0.00 Commercial other 0 0.00 130 0.04 Commercial loans 44 0.00 130 0.01 Real estate mortgage 1,085 0.12 0 0.00 Home equity lines 126 0.09 0 0.00 Residential loans 1,211 0.11 0 0.00 Consumer direct 0 0.00 19 0.01 Consumer indirect 0 0.00 0 0.00 Consumer loans 0 0.00 19 0.00 Loans and lease financing $ 1,255 0.03 % $ 149 0.00 %
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty	The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended September 30, 2024: Loan Type Interest Rate Reduction Financial Impact Term Extension Financial Impact Hotel/motel Commercial real estate residential Commercial real estate nonresidential Dealer floorplans Commercial other Added a weighted-average 0.3 years to life of the loans Real estate mortgage Reduced weighted-average contractual interest rate from 6.2% to 3.3% Added a weighted-average 1.4 years to life of the loans Home equity lines Consumer direct Added a weighted-average 0.2 years to life of the loans Consumer indirect Loan Type Combination – Term Extension and Interest Rate Reduction Payment Changes Financial Impact Hotel/motel Provided payment changes that will be added to the end of the original loan term Commercial real estate residential Commercial real estate nonresidential Dealer floorplans Commercial other Increased weighted-average contractual interest rate from 4.0% to 8.5% and increased the weighted-average life by 15.0 years Provided payment changes that will be added to the end of the original loan term Real estate mortgage Weighted-average contractual interest rate remained at 8.5% and increased the weighted-average life by 20.0 years Home equity lines Reduced weighted-average contractual interest rate from 5.4% to 3.0% and increased the weighted-average life by 1.4 years Consumer direct Provided payment changes that will be added to the end of the original loan term Consumer indirect Provided payment changes that will be added to the end of the original loan term The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the nine months ended September 30, 2024: Loan Type Interest Rate Reduction Financial Impact Term Extension Financial Impact Hotel/motel Commercial real estate residential Added a weighted-average 0.3 years to life of the loans Commercial real estate nonresidential Dealer floorplans Commercial other Added a weighted-average 0.3 years to life of the loans Real estate mortgage Reduced weighted-average contractual interest rate from 7.8% to 4.7% Added a weighted-average 0.8 years to life of the loans Home equity lines Added a weighted-average 0.5 years to life of the loans Consumer direct Added a weighted-average 0.1 years to life of the loans Consumer indirect Added a weighted-average 0.3 years to life of the loans Loan Type Combination – Term Extension and Interest Rate Reduction Payment Changes Financial Impact Hotel/motel Provided payment changes that will be added to the end of the original loan term Commercial real estate residential Weighted-average contractual interest rate remained at 8.5% and increased the weighted-average life by 4.0 years Provided payment changes that will be added to the end of the original loan term Commercial real estate nonresidential Increased weighted-average contractual interest rate from 6.0% to 8.5% and increased the weighted-average life by 10.3 years Dealer floorplans Commercial other Increased weighted-average contractual interest rate from 4.3% to 8.5% and increased the weighted-average life by 14.3 years Provided payment changes that will be added to the end of the original loan term Real estate mortgage Reduced weighted-average contractual interest rate from 5.6% to 4.2% and increased the weighted-average life by 4.3 years Home equity lines Reduced weighted-average contractual interest rate from 9.3% to 8.6% and increased the weighted-average life by 13.1 years Consumer direct Provided payment changes that will be added to the end of the original loan term Consumer indirect Provided payment changes that will be added to the end of the original loan term The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the year ended December 31, 2023: Loan Type Interest Rate Reduction Financial Impact Term Extension Financial Impact Hotel/motel Commercial real estate residential Reduced weighted-average contractual interest rate from 9.5% to 7.8% Added a weighted-average 0.5 years to life of the loans Commercial real estate nonresidential Reduced weighted-average contractual interest rate from 9.5% to 7.5% Added a weighted-average 0.1 years to life of the loans Dealer floorplans Commercial other Added a weighted-average 3.0 years to life of the loans Real estate mortgage Reduced weighted-average contractual interest rate from 7.0% to 4.4% Added a weighted-average 2.8 years to life of the loans Home equity lines Added a weighted-average 6.1 years to life of the loans Consumer direct Removed a weighted-average 0.8 years from life of the loans Consumer indirect Added a weighted-average 0.3 years to life of the loans Loan Type Combination – Term Extension and Interest Rate Reduction Payment Changes Financial Impact Hotel/motel Provided payment changes that will be added to the end of the original loan term Commercial real estate residential Provided payment changes that will be added to the end of the original loan term Commercial real estate nonresidential Dealer floorplans Commercial other Reduced weighted-average contractual interest rate from 12.8% to 11.3% and increased the weighted-average life by 2.9 years Provided payment changes that will be added to the end of the original loan term Real estate mortgage Reduced weighted-average contractual interest rate from 6.3% to 5.8% and increased the weighted-average life by 12.2 years Home equity lines Reduced weighted-average contractual interest rate from 9.4% to 8.1% and increased the weighted-average life by 9.3 years Provided payment changes that will be added to the end of the original loan term Consumer direct Provided payment changes that will be added to the end of the original loan term Consumer indirect The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended September 30, 2023: Loan Type Interest Rate Reduction Financial Impact Term Extension Financial Impact Hotel/motel Commercial real estate residential Reduced weighted-average contractual interest rate from 9.5% to 7.5% Added a weighted-average 2.0 years to life of the loans Commercial real estate nonresidential Added a weighted-average 0.2 years to life of the loans Dealer floorplans Commercial other Added a weighted-average 0.8 years to life of the loans Real estate mortgage Added a weighted-average 1.0 years to life of the loans Home equity lines Added a weighted-average 4.9 years to life of the loans Consumer direct Consumer indirect Loan Type Combination – Term Extension and Interest Rate Reduction Financial Impact Payment Changes Financial Impact Hotel/motel Commercial real estate residential Commercial real estate nonresidential Dealer floorplans Commercial other Provided payment changes that will be added to the end of the original loan term Real estate mortgage Reduced weighted-average contractual interest rate from 5.8% to 5.7% and increased the weighted-average life by 13.1 years Home equity lines Reduced weighted-average contractual interest rate from 9.9% to 8.3% and increased the weighted-average life by 8.2 years Consumer direct Consumer indirect The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty for the nine months ended September 30, 2023: Loan Type Interest Rate Reduction Financial Impact Term Extension Financial Impact Hotel/motel Commercial real estate residential Reduced weighted-average contractual interest rate from 9.5% to 7.8% Added a weighted-average 0.6 years to life of the loans Commercial real estate nonresidential Reduced weighted-average contractual interest rate from 9.5% to 7.5% Added a weighted-average 0.1 years to life of the loans Dealer floorplans Commercial other Added a weighted-average 1.4 years to life of the loans Real estate mortgage Resulted in no change of the weighted-average contractual interest rate of 3.0% Added a weighted-average 2.3 years to life of the loans Home equity lines Added a weighted-average 5.8 years to life of the loans Consumer direct Removed a weighted-average 0.7 years from life of the loans Consumer indirect Added a weighted-average 0.3 years to life of the loans Loan Type Combination – Term Extension and Interest Rate Reduction Financial Impact Payment Changes Financial Impact Hotel/motel Commercial real estate residential Reduced weighted-average contractual interest rate from 10.8% to 6.5% and increased the weighted-average life by 0.3 years Commercial real estate nonresidential Dealer floorplans Commercial other Provided payment changes that will be added to the end of the original loan term Real estate mortgage Reduced weighted-average contractual interest rate from 6.3% to 5.9% and increased the weighted-average life by 12.4 years Home equity lines Reduced weighted-average contractual interest rate from 9.4% to 8.1% and increased the weighted-average life by 9.4 years Consumer direct Provided payment changes that will be added to the end of the original loan term Consumer indirect
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty	The table below represents the payment status of modified loans to borrowers experiencing financial difficulty for the past 12 months as of September 30, 2024. Past Due Status (Amortized Cost Basis) (in thousands) Current 30-89 Days 90+ Days Nonaccrual Hotel/motel $ 1,954 $ 0 $ 0 $ 0 Commercial real estate residential 119 219 237 0 Commercial real estate nonresidential 47 0 0 0 Dealer floorplans 0 0 0 0 Commercial other 5,215 335 0 64 Real estate mortgage 8,865 245 819 715 Home equity lines 162 0 0 0 Consumer direct 104 0 0 0 Consumer indirect 280 64 0 0 Total $ 16,746 $ 863 $ 1,056 $ 779 The table below represents the payment status of loans to borrowers experiencing financial difficulty for the past 12 months as of September 30, 2023: Past Due Status (Amortized Cost Basis) (in thousands) Current 30-89 Days 90+ Days Nonaccrual Hotel/motel $ 0 $ 0 $ 0 $ 0 Commercial real estate residential 2,122 44 0 0 Commercial real estate nonresidential 9,813 0 26 0 Dealer floorplans 0 0 0 0 Commercial other 1,060 320 345 264 Real estate mortgage 3,935 1,442 139 349 Home equity lines 519 100 0 22 Consumer direct 207 3 0 0 Consumer indirect 366 29 0 0 Total $ 18,022 $ 1,938 $ 510 $ 635
Loans Modified as TDRs That Subsequently Defaulted	T he allowance for credit losses may be increased, adjustments may be made in the allocation of the allowance, or partial charge-offs may be taken to further write-down the carrying value of the loan. During the quarter ended September 30, 2024, there were five loans to borrowers experiencing financial difficulty that subsequently defaulted. CTBI considers a loan in default when it is 90 days or more past due or transferred to nonaccrual. Presented below, segregated by loan segment, are loans to borrowers experiencing financial difficulty for which there was a payment default during the periods indicated and such default was within twelve months of the loan modification. Three Months Ended September 30, 2024 (in thousands) Number of Loans Recorded Balance Real estate mortgage 5 $ 467 Total loans experiencing financial difficulty 5 $ 467 Nine Months Ended September 30, 2024 (in thousands) Number of Loans Recorded Balance Commercial real estate residential 1 $ 237 Commercial other 4 316 Real estate mortgage 8 1,263 Total loans experiencing financial difficulty 13 $ 1,816

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	9 Months Ended
	Sep. 30, 2024
Other Real Estate Owned [Abstract]
Activity for Other Real Estate Owned	Activity for other real estate owned was as follows: Three Months Ended Nine Months Ended September 30 September 30 (in thousands) 2024 2023 2024 2023 Beginning balance of other real estate owned $ 1,626 $ 2,047 $ 1,616 $ 3,671 New assets acquired 14 325 488 500 Capitalized costs 0 7 13 46 Fair value adjustments 0 (124 ) (49 ) (230 ) Sale of assets (296 ) (80 ) (724 ) (1,812 ) Ending balance of other real estate owned $ 1,344 $ 2,175 $ 1,344 $ 2,175
Major Classifications of Foreclosed Properties	The major classifications of foreclosed properties are shown in the following table: (in thousands) September 30 2024 December 31 2023 1-4 family $ 574 $ 827 Construction/land development/other 394 383 Non-farm/non-residential 376 406 Total foreclosed properties $ 1,344 $ 1,616

Repurchase Agreements (Tables)

Repurchase Agreements (Tables)	9 Months Ended
	Sep. 30, 2024
Repurchase Agreements [Abstract]
Remaining Contractual Maturity of Securities Sold Under Agreements to Repurchase by Class of Collateral Pledged	The remaining contractual maturity of the securities sold under agreements to repurchase by class of collateral pledged included in the accompanying consolidated balance sheets as of September is presented in the following tables: September 30, 2024 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Continuous Up to 30 days 30-90 days Greater Than 90 days Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 21,644 $ 0 $ 21 $ 29,911 $ 51,576 State and political subdivisions 105,022 0 1,897 9,485 116,404 U.S. government sponsored agency mortgage-backed securities 17,124 0 542 44,190 61,856 Asset-backed securities 3,488 0 0 0 3,488 Total $ 147,278 $ 0 $ 2,460 $ 83,586 $ 233,324 December 31, 2023 Remaining Contractual Maturity of the Agreements (in thousands) Overnight and Continuous Up to 30 days 30-90 days Greater Than 90 days Total Repurchase agreements and repurchase-to-maturity transactions: U.S. Treasury and government agencies $ 21,156 $ 19 $ 1,817 $ 23,640 $ 46,632 State and political subdivisions 98,053 481 5,962 3,219 107,715 U.S. government sponsored agency mortgage-backed securities 17,538 0 41,521 9,269 68,328 Asset-backed securities 2,570 0 0 0 2,570 Total $ 139,317 $ 500 $ 49,300 $ 36,128 $ 225,245

Fair Value of Financial Asset_2

Fair Value of Financial Assets and Liabilities (Tables)	9 Months Ended
	Sep. 30, 2024
Fair Value of Financial Assets and Liabilities [Abstract]
Fair Value Measurements of Assets Measured on Recurring Basis	The following tables present the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a recurring basis as of September Fair Value Measurements at September 30, 2024 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – recurring basis Available-for-sale securities: U.S. Treasury and government agencies $ 344,200 $ 329,996 $ 14,204 $ 0 State and political subdivisions 265,871 0 265,871 0 U.S. government sponsored agency mortgage-backed securities 438,749 0 438,749 0 Asset-backed securities 49,256 0 49,256 0 Equity securities at fair value 3,266 0 0 3,266 Mortgage servicing rights 7,091 0 0 7,091 Fair Value Measurements at December 31, 2023 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – recurring basis Available-for-sale securities: U.S. Treasury and government agencies $ 354,817 $ 336,285 $ 18,532 $ 0 State and political subdivisions 264,945 0 264,945 0 U.S. government sponsored agency mortgage-backed securities 456,736 0 456,736 0 Asset-backed securities 87,226 0 87,226 0 Equity securities at fair value 3,158 0 0 3,158 Mortgage servicing rights 7,665 0 0 7,665
Reconciliation of the Beginning and Ending Balance of Recurring Fair Value Measurements Using Significant Unobservable (Level 3) Inputs	Following is a reconciliation of the beginning and ending balances of recurring fair value measurements, for the periods indicated, using significant unobservable (Level 3) inputs: Three Months Ended September 30, 2024 Three Months Ended September 30, 2023 (in thousands) Equity Securities at Fair Value Mortgage Servicing Rights Equity Securities at Fair Value Mortgage Servicing Rights Beginning balance $ 3,054 $ 7,749 $ 2,545 $ 8,230 Total unrealized gains (losses) Included in net income 212 (494 ) 355 155 Issues 0 34 0 45 Settlements 0 (198 ) 0 (141 ) Ending balance $ 3,266 $ 7,091 $ 2,900 $ 8,289 Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date $ 212 $ (494 ) $ 355 $ 155 Nine Months Ended September 30, 2024 Nine Months Ended September 30, 2023 (in thousands) Equity Securities at Fair Value Mortgage Servicing Rights Equity Securities at Fair Value Mortgage Servicing Rights Beginning balance $ 3,158 $ 7,665 $ 2,166 $ 8,468 Total unrealized gains (losses) Included in net income 108 (173 ) 734 21 Issues 0 100 0 141 Settlements 0 (501 ) 0 (341 ) Ending balance $ 3,266 $ 7,091 $ 2,900 $ 8,289 Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date $ 108 $ (173 ) $ 734 $ 21
Realized and Unrealized Gains and Losses for Items Included in Net Income in the Consolidated Statements of Income	Realized and unrealized gains and losses for items reflected in the tables above are included in net income in the consolidated statements of income as follows: Noninterest Income Three Months Ended Nine Months Ended September 30 September 30 (in thousands) 2024 2023 2024 2023 Total gains (losses) $ (480 ) $ 369 $ (566 ) $ 414
Fair Value Measurements of Assets Measured on Nonrecurring Basis	The following tables present the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a nonrecurring basis as of September 30, 2024 and December 31, 2023 and indicate the level within the fair value hierarchy of Fair Value Measurements at September 30, 2024 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – nonrecurring basis Collateral dependent loans $ 8,318 $ 0 $ 0 $ 8,318 Other real estate owned 471 0 0 471 Fair Value Measurements at December 31, 2023 Using (in thousands) Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets measured – nonrecurring basis Collateral dependent loans $ 8,397 $ 0 $ 0 $ 8,397 Other real estate owned 205 0 0 205
Quantitative Information About Unobservable Inputs Used in Recurring and Nonrecurring Level 3 Fair Value Measurements	The following tables present quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements at September Quantitative Information about Level 3 Fair Value Measurements (in thousands) Fair Value at September 30, 2024 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $ 3,266 Discount cash flows, computer pricing model Discount rate 8.0% - 12.0% (10.0%) Conversion date Dec 2025 Dec 2029 ( Dec 2027 Mortgage servicing rights $ 7,091 Discount cash flows, computer pricing model Constant prepayment rate 0.0% - 26.0% (6.9%) Probability of default 0.0% - 100% (0.9%) Discount rate 9.8% - 12.0% (10.0%) Collateral dependent loans $ 8,318 Market comparable properties Marketability discount 11.5% - 18.9% (12.6%) Other real estate owned $ 471 Market comparable properties Comparability adjustments 37.2% - 58.5% (51.1%) Quantitative Information about Level 3 Fair Value Measurements (in thousands) Fair Value at December 31, 2023 Valuation Technique(s) Unobservable Input Range (Weighted Average) Equity securities at fair value $ 3,158 Discount cash flows, computer pricing model Discount rate 15.0% - 25.0% (20.0%) Conversion date Dec 2028 Dec 2032 ( Dec 2030 Mortgage servicing rights $ 7,665 Discount cash flows, computer pricing model Constant prepayment rate 0.0% - 77.6% (7.5%) Probability of default 0.0% - 66.7% (1.0%) Discount rate 9.5% - 12.0% (10.0%) Collateral dependent loans $ 8,397 Market comparable properties Marketability discount 10.9% - 19.6% (12.2%) Other real estate owned $ 205 Market comparable properties Comparability adjustments 10.0% - 23.9% (17.5%)
Fair Value of Financial Instruments and Levels within Fair Value Hierarchy of Valuation Techniques	The following table presents estimated fair value of CTBI’s financial instruments as of September 30, 2024 and indicates the level within the fair value hierarchy of the valuation techniques. In accordance with the adoption of ASU 2016-01, the fair values as of September 30, 2024 were measured using an exit price notion. Fair Value Measurements at September 30, 2024 Using (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Financial assets: Cash and cash equivalents $ 240,940 $ 240,940 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 1,098,076 329,996 768,080 0 Equity securities at fair value 3,266 0 0 3,266 Loans held for sale 115 118 0 0 Loans, net 4,297,114 0 0 4,127,547 Federal Home Loan Bank stock 5,173 0 5,173 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 23,770 0 23,770 0 Financial liabilities: Deposits $ 4,838,262 $ 988,350 $ 3,508,210 $ 0 Repurchase agreements 233,324 0 0 233,228 Federal funds purchased 500 0 500 0 Advances from Federal Home Loan Bank 319 0 328 0 Long-term debt 64,074 0 0 47,887 Accrued interest payable 16,304 0 16,304 0 Unrecognized financial instruments: Letters of credit $ 0 $ 0 $ 0 $ 0 Commitments to extend credit 0 0 0 0 Forward sale commitments 0 0 0 0 The following table presents estimated fair value of CTBI’s financial instruments as of December 31, 2023 and indicates the level within the fair value hierarchy of the valuation techniques. Fair Value Measurements at December 31, 2023 Using (in thousands) Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Financial assets: Cash and cash equivalents $ 271,400 $ 271,400 $ 0 $ 0 Certificates of deposit in other banks 245 0 245 0 Debt securities available-for-sale 1,163,724 336,285 827,439 0 Equity securities at fair value 3,158 0 0 3,158 Loans held for sale 152 154 0 0 Loans, net 4,001,363 0 0 3,745,477 Federal Home Loan Bank stock 4,712 0 4,712 0 Federal Reserve Bank stock 4,887 0 4,887 0 Accrued interest receivable 23,575 0 23,575 0 Financial liabilities: Deposits $ 4,724,622 $ 1,260,690 $ 3,480,806 $ 0 Repurchase agreements 225,245 0 0 225,187 Federal funds purchased 500 0 500 0 Advances from Federal Home Loan Bank 334 0 349 0 Long-term debt 64,241 0 0 50,326 Accrued interest payable 7,389 0 7,389 0 Unrecognized financial instruments: Letters of credit $ 0 $ 0 $ 0 $ 0 Commitments to extend credit 0 0 0 0 Forward sale commitments 0 0 0 0

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings Per Share	The following table sets forth the computation of basic and diluted earnings per share for the three and nine months ended September 30, 2024 and 2023: Three Months Ended Nine Months Ended September 30 September 30 (in thousands except per share data) 2024 2023 2024 2023 Numerator: Net income $ 22,142 $ 20,628 $ 60,320 $ 59,345 Denominator: Basic earnings per share: Weighted average shares 17,962 17,893 17,942 17,882 Diluted earnings per share: Effect of dilutive stock options and restricted stock grants 29 11 23 10 Adjusted weighted average shares 17,991 17,904 17,965 17,892 Earnings per share: Basic earnings per share $ 1.23 $ 1.15 $ 3.36 $ 3.32 Diluted earnings per share 1.23 1.15 3.36 3.32

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Sep. 30, 2024
Accumulated Other Comprehensive Income (Loss) [Abstract]
Amounts Reclassified from Accumulated Other Comprehensive Income (Loss) (AOCI)	Amounts reclassified from accumulated other comprehensive income (loss) (“AOCI”) and the affected line items in the statements of income during the three and nine months ended September 30, 2024 and 2023 were: Amounts Reclassified from AOCI (in thousands) Three Months Ended September 30 Nine Months Ended September 30 2024 2023 2024 2023 Affected line item in the statements of income Securities gains (losses) $ 1 $ 0 $ 2 $ 4 Tax expense (benefit) 0 0 0 1 Total reclassifications out of AOCI $ 1 $ 0 $ 2 $ 3

Summary of Significant Accoun_4

Summary of Significant Accounting Policies, New Accounting Standards (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
	Jan. 27, 2023	Sep. 30, 2024	Dec. 31, 2023	Sep. 30, 2024	Mar. 31, 2024
Tax Investments [Abstract]
Retained earnings		$ 517,814	$ 484,400	$ 517,814
Accounting Standards Update 2023-02 [Member]
Tax Investments [Abstract]
Amortization expenses recognized		$ 800		$ 2,400
Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Cash Flows [Extensible Enumeration]		Income taxes		Income taxes
Income tax credits and other tax benefits recognized		$ 1,100		$ 3,200
Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, after Amortization, Statement of Cash Flows [Extensible Enumeration]		Income taxes		Income taxes
Tax investments		$ 16,800		$ 16,800
Investment, Proportional Amortization Method, Elected, Statement of Financial Position [Extensible Enumeration]		Other assets		Other assets
Impairment recognized resulting from the forfeiture or ineligibility of income tax credits or other circumstances		$ 0		$ 0
Unfunded commitment		5,000		5,000
Accounting Standards Update 2023-02 [Member] | Pre-Tax Income [Member]
Tax Investments [Abstract]
Investment income or loss		0
Accounting Standards Update 2023-02 [Member] | Unfunded Commitments [Member]
Unfunded Commitments [Abstract]
2024		1,835		1,835
2025		2,000		2,000
2026		315		315
2027		146		146
2028		146		146
After		$ 508		$ 508
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2023-02 [Member]
Tax Investments [Abstract]
Retained earnings					$ (2,000)
Amortization expenses recognized			$ 700
Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Cash Flows [Extensible Enumeration]			Other Noninterest Expense
3-Month CME Term SOFR [Member]
Long-term debt [Abstract]
Term of variable rate	3 months
Basis spread on variable rate	0.26161%
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]	us-gaap:SecuredOvernightFinancingRateSofrMember
6-Month CME Term SOFR [Member]
Long-term debt [Abstract]
Term of variable rate	6 months
Basis spread on variable rate	0.42826%
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]	us-gaap:SecuredOvernightFinancingRateSofrMember

Summary of Significant Accoun_5

Summary of Significant Accounting Policies, Significant Accounting Policies (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2024 USD ($) Payment	Dec. 31, 2023 USD ($)	Sep. 30, 2023 USD ($)
Investments [Abstract]
ACL for AFS debt securities	$ 0	$ 0
Securities held-to-maturity	$ 0		$ 0
Loans [Abstract]
Past due period after which loans must be well secured and in the process of collection to continue accruing interest	90 days
Period of current principal and interest payments for reclassifying nonaccrual loans as accruing loans	6 months
Allowance for Credit Losses [Abstract]
Impact of difference in amortized cost basis versus consideration of loan balances on allowance for credit losses	0.01%
Number of delinquent monthly payments before loan charge off | Payment	5
Current value assessment period for past due loans secured against real estate	90 days
Threshold period past due for initiation of foreclosure proceedings	120 days
Goodwill and Core Deposit Intangible [Abstract]
Goodwill	$ 65,490	$ 65,490
Commercial [Member]
Allowance for Credit Losses [Abstract]
Threshold period past due for individual evaluations	90 days
Commercial [Member] | 90+ Days Past Due [Member] | Minimum [Member]
Allowance for Credit Losses [Abstract]
Threshold outstanding loan balance for individual evaluations	$ 1,000
Commercial [Member] | Nonaccrual Status [Member] | Minimum [Member]
Allowance for Credit Losses [Abstract]
Threshold outstanding loan balance for individual evaluations	1,000
Threshold amount of outstanding loan balance for specific reserve to be created	1,000
Commercial [Member] | Borrower Experiencing Financial Difficulty [Member] | Minimum [Member]
Allowance for Credit Losses [Abstract]
Threshold outstanding loan balance for individual evaluations	1,000
Threshold amount of outstanding loan balance for specific reserve to be created	1,000
Commercial [Member] | Criticized [Member] | Minimum [Member]
Allowance for Credit Losses [Abstract]
Threshold outstanding loan balance for individual evaluations	1,000
Threshold amount of outstanding loan balance for specific reserve to be created	$ 1,000
Commercial [Member] | Unsecured Commercial Loan [Member]
Allowance for Credit Losses [Abstract]
Charge off threshold for loans considered uncollectible	90 days
Consumer [Member] | Closed-End Consumer Loan [Member]
Allowance for Credit Losses [Abstract]
Charge off threshold for loans considered uncollectible	120 days

Stock-Based Compensation (Detai

Stock-Based Compensation (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Stock-based Compensation [Abstract]
Stock based compensation expense			$ 1,021	$ 1,152
Restricted Stock [Member]
Stock-based Compensation [Abstract]
Stock based compensation expense	$ 293	$ 364	1,000	1,200
Dividend paid on stock based compensation	41	$ 45	121	$ 133
Unrecognized compensation expense related to restricted stock grants	$ 2,600		$ 2,600
Unrecognized compensation expense, weighted average period			2 years 7 months 6 days
Granted (in shares)	0	0	15,000	52,865
Forfeited (in shares)	0	0	2,437	790
Stock Options [Member]
Stock-based Compensation [Abstract]
Stock based compensation expense			$ 0	$ 0
Unrecognized compensation expense related to unvested stock option awards	$ 0		$ 0
Options granted to purchase shares of CTBI common stock (in shares)			0	0
Stock Ownership Incentive 2015 Plan [Member] | Restricted Stock [Member]
Stock-based Compensation [Abstract]
Award vesting period			4 years
Stock Ownership Incentive 2015 Plan [Member] | Restricted Stock [Member] | Maximum [Member]
Stock-based Compensation [Abstract]
Period of certain participant employee termination events following change in control for restriction on restricted stock granted to lapse			24 months

Securities, Available-for-sale

Securities, Available-for-sale Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Available-for-sale [Abstract]
Amortized cost	$ 1,205,289	$ 1,301,244
Gross unrealized gains	524	245
Gross unrealized losses	(107,737)	(137,765)
Fair value	1,098,076	1,163,724
U.S. Treasury and Government Agencies [Member]
Available-for-sale [Abstract]
Amortized cost	361,391	381,268
Gross unrealized gains	106	121
Gross unrealized losses	(17,297)	(26,572)
Fair value	344,200	354,817
State and Political Subdivisions [Member]
Available-for-sale [Abstract]
Amortized cost	306,163	313,147
Gross unrealized gains	124	88
Gross unrealized losses	(40,416)	(48,290)
Fair value	265,871	264,945
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Available-for-sale [Abstract]
Amortized cost	488,382	518,836
Gross unrealized gains	283	36
Gross unrealized losses	(49,916)	(62,136)
Fair value	438,749	456,736
Asset-backed Securities [Member]
Available-for-sale [Abstract]
Amortized cost	49,353	87,993
Gross unrealized gains	11	0
Gross unrealized losses	(108)	(767)
Fair value	$ 49,256	$ 87,226

Securities, Amortized Cost and

Securities, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Available-for-sale, amortized cost [Abstract]
Due in one year or less	$ 114,439
Due after one through five years	284,062
Due after five through ten years	131,994
Due after ten years	137,059
Amortized cost	1,205,289	$ 1,301,244
Available for sale, fair value [Abstract]
Due in one year or less	112,880
Due after one through five years	265,955
Due after five through ten years	117,251
Due after ten years	113,985
Fair value	1,098,076	1,163,724
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Available-for-sale, amortized cost [Abstract]
Without single maturity date	488,382
Amortized cost	488,382	518,836
Available for sale, fair value [Abstract]
Without single maturity date	438,749
Fair value	438,749	456,736
Asset-backed Securities [Member]
Available-for-sale, amortized cost [Abstract]
Without single maturity date	49,353
Amortized cost	49,353	87,993
Available for sale, fair value [Abstract]
Without single maturity date	49,256
Fair value	$ 49,256	$ 87,226

Securities, Gains (Loss) on Sec

Securities, Gains (Loss) on Securities, Securities Pledged, and Securities Sold Under Agreements to Repurchase (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Gains (Loss) on Sales of Securities [Abstract]
Net securities gain (loss)	$ 213	$ 355	$ 110	$ 738
Realized pre-tax gain (loss) on sale of AFS securities	1		2	4
Unrealized gain (loss) from fair value adjustment of equity securities	212	355	108	$ 734
Equity Securities at Fair Value [Abstract]
Equity securities at fair value	3,266		3,266		$ 3,158
Amortized cost of securities sold under agreements to repurchase	328,400		328,400		333,600
Asset Pledged as Collateral [Member] | Public Deposits and for Other Purposes [Member]
Equity Securities at Fair Value [Abstract]
Securities	640,800		640,800		$ 761,500
Visa Class B Restricted Stock [Member]
Equity Securities at Fair Value [Abstract]
Equity securities at fair value	3,300		$ 3,300
Increase (decrease) in fair value of equity securities	$ 212	$ 355
Number of equity securities sold (in shares)			0	0

Securities, Securities in Conti

Securities, Securities in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Securities [Abstract]
Percentage of total investment with unrealized losses	94.30%	97.30%
Available-for-sale, amortized cost [Abstract]
Less than 12 months	$ 51,448	$ 35,971
12 months or more	1,092,127	1,234,191
Total	1,143,575	1,270,162
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(246)	(1,544)
12 months or more	(107,491)	(136,221)
Total	(107,737)	(137,765)
Available-for-sale, fair value [Abstract]
Less than 12 months	51,202	34,427
12 months or more	984,636	1,097,970
Total	1,035,838	1,132,397
U.S. Treasury and Government Agencies [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	0	3,761
12 months or more	351,541	361,038
Total	351,541	364,799
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	0	(5)
12 months or more	(17,297)	(26,567)
Total	(17,297)	(26,572)
Available-for-sale, fair value [Abstract]
Less than 12 months	0	3,756
12 months or more	334,244	334,471
Total	334,244	338,227
State and Political Subdivisions [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	635	16,154
12 months or more	289,200	284,397
Total	289,835	300,551
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(24)	(1,250)
12 months or more	(40,392)	(47,040)
Total	(40,416)	(48,290)
Available-for-sale, fair value [Abstract]
Less than 12 months	611	14,904
12 months or more	248,808	237,357
Total	249,419	252,261
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	26,266	16,056
12 months or more	435,447	500,763
Total	461,713	516,819
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(188)	(289)
12 months or more	(49,728)	(61,847)
Total	(49,916)	(62,136)
Available-for-sale, fair value [Abstract]
Less than 12 months	26,078	15,767
12 months or more	385,719	438,916
Total	411,797	454,683
Asset-backed Securities [Member]
Available-for-sale, amortized cost [Abstract]
Less than 12 months	24,547	0
12 months or more	15,939	87,993
Total	40,486	87,993
Available-for-sale, gross unrealized losses [Abstract]
Less than 12 months	(34)	0
12 months or more	(74)	(767)
Total	(108)	(767)
Available-for-sale, fair value [Abstract]
Less than 12 months	24,513	0
12 months or more	15,865	87,226
Total	$ 40,378	$ 87,226

Loans, Major Classifications of

Loans, Major Classifications of Loans, Net of Income and Deferred Loan Origination Cost (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2024 USD ($) Segment	Dec. 31, 2023 USD ($)
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	$ 4,350,474	$ 4,050,906
Unearned fees	$ 400	800
Number of portfolio segments | Segment	9
Loans held for sale [Abstract]
Loans held for sale	$ 115	152
Commercial [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	2,214,090	1,983,735
Commercial [Member] | Hotel/Motel [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	$ 453,465	395,765
Percentage of total loan	10.40%
Commercial [Member] | Commercial Real Estate Residential [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	$ 485,004	417,943
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	834,985	778,637
Commercial [Member] | Dealer Floorplans [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	86,693	70,308
Commercial [Member] | Commercial Other [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	353,943	321,082
Residential [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	1,166,136	1,084,560
Residential [Member] | Real Estate Mortgage [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	1,003,123	937,524
Residential [Member] | Home Equity Lines [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	163,013	147,036
Consumer [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	970,248	982,611
Consumer [Member] | Consumer Direct [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	154,061	159,106
Consumer [Member] | Consumer Indirect [Member]
Major Classification of Loans Net of Unearned Income, Deferred Loan Origination Costs and Net Premiums on Acquired Loans [Abstract]
Loans and lease financing	816,187	823,505
Unamortized premiums	$ 30,900	$ 31,400

Loans, Balance in ACL (Details)

Loans, Balance in ACL (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Balance in ACL [Roll Forward]
Beginning balance	$ 52,148	$ 48,018	$ 49,543	$ 45,981	$ 45,981
Provision charged to expense	2,736	1,871	8,364	4,996	6,811
Losses charged off	(2,736)	(2,012)	(8,239)	(5,730)	(8,259)
Recoveries	1,212	842	3,692	3,472	5,010
Ending balance	53,360	48,719	53,360	48,719	49,543
Commercial [Member]
Balance in ACL [Roll Forward]
Losses charged off			(1,124)		(2,222)
Commercial [Member] | Hotel/Motel [Member]
Balance in ACL [Roll Forward]
Beginning balance	4,447	5,192	4,592	5,171	5,171
Provision charged to expense	581	611	436	632	(579)
Losses charged off	0	0	0	0	0
Recoveries	0	0	0	0	0
Ending balance	5,028	5,803	5,028	5,803	4,592
Commercial [Member] | Commercial Real Estate Residential [Member]
Balance in ACL [Roll Forward]
Beginning balance	4,349	3,749	4,285	4,894	4,894
Provision charged to expense	139	66	189	(1,132)	(706)
Losses charged off	0	0	0	(28)	(28)
Recoveries	5	9	19	90	125
Ending balance	4,493	3,824	4,493	3,824	4,285
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Balance in ACL [Roll Forward]
Beginning balance	8,706	7,797	7,560	9,419	9,419
Provision charged to expense	388	181	1,481	(1,765)	(2,252)
Losses charged off	0	0	0	(9)	(294)
Recoveries	6	39	59	372	687
Ending balance	9,100	8,017	9,100	8,017	7,560
Commercial [Member] | Dealer Floorplans [Member]
Balance in ACL [Roll Forward]
Beginning balance	561	1,157	659	1,776	1,776
Provision charged to expense	78	(314)	(20)	(933)	(1,117)
Losses charged off	0	0	0	0	0
Recoveries	0	0	0	0	0
Ending balance	639	843	639	843	659
Commercial [Member] | Commercial Other [Member]
Balance in ACL [Roll Forward]
Beginning balance	3,385	6,176	3,760	5,285	5,285
Provision charged to expense	53	(595)	316	1,376	(91)
Losses charged off	(278)	(195)	(1,124)	(1,455)	(1,900)
Recoveries	228	159	436	339	466
Ending balance	3,388	5,545	3,388	5,545	3,760
Residential [Member]
Balance in ACL [Roll Forward]
Losses charged off			(128)		(163)
Residential [Member] | Real Estate Mortgage [Member]
Balance in ACL [Roll Forward]
Beginning balance	11,840	7,884	10,197	7,932	7,932
Provision charged to expense	651	439	2,327	470	2,364
Losses charged off	(37)	(4)	(88)	(99)	(140)
Recoveries	6	17	24	33	41
Ending balance	12,460	8,336	12,460	8,336	10,197
Residential [Member] | Home Equity Lines [Member]
Balance in ACL [Roll Forward]
Beginning balance	1,318	1,108	1,367	1,106	1,106
Provision charged to expense	63	59	6	71	278
Losses charged off	(40)	(10)	(40)	(23)	(23)
Recoveries	5	1	13	4	6
Ending balance	1,346	1,158	1,346	1,158	1,367
Consumer [Member]
Balance in ACL [Roll Forward]
Losses charged off			(6,987)		(5,874)
Consumer [Member] | Consumer Direct [Member]
Balance in ACL [Roll Forward]
Beginning balance	3,604	2,563	3,261	1,694	1,694
Provision charged to expense	65	157	999	1,069	1,804
Losses charged off	(249)	(148)	(971)	(386)	(541)
Recoveries	43	41	174	236	304
Ending balance	3,463	2,613	3,463	2,613	3,261
Consumer [Member] | Consumer Indirect [Member]
Balance in ACL [Roll Forward]
Beginning balance	13,938	12,392	13,862	8,704	8,704
Provision charged to expense	718	1,267	2,630	5,208	7,110
Losses charged off	(2,132)	(1,655)	(6,016)	(3,730)	(5,333)
Recoveries	919	576	2,967	2,398	3,381
Ending balance	$ 13,443	$ 12,580	$ 13,443	$ 12,580	$ 13,862

Loans, Nonaccrual Loans Segrega

Loans, Nonaccrual Loans Segregated by Loan Segment (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	$ 209	$ 236
Nonaccrual loans with ACL	5,771	3,812
90+ and still accruing	19,111	9,920
Nonperforming loans	$ 25,091	13,968
Past due period after which loans must be well secured and in process of collection to continue accruing interest	90 days
Commercial [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	$ 209	236
Nonaccrual loans with ACL	2,125	1,630
90+ and still accruing	12,264	3,491
Nonperforming loans	14,598	5,357
Commercial [Member] | Hotel/Motel [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	0	0
90+ and still accruing	0	0
Nonperforming loans	0	0
Commercial [Member] | Commercial Real Estate Residential [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	661	498
90+ and still accruing	700	1,059
Nonperforming loans	1,361	1,557
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	592	680
90+ and still accruing	10,923	2,270
Nonperforming loans	11,515	2,950
Commercial [Member] | Dealer Floorplans [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL		0
Nonaccrual loans with ACL		0
90+ and still accruing		0
Nonperforming loans		0
Commercial [Member] | Commercial Other [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	209	236
Nonaccrual loans with ACL	872	452
90+ and still accruing	641	162
Nonperforming loans	1,722	850
Residential [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	3,195	2,182
90+ and still accruing	6,206	5,859
Nonperforming loans	9,401	8,041
Residential [Member] | Real Estate Mortgage [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	3,016	1,996
90+ and still accruing	5,515	5,302
Nonperforming loans	8,531	7,298
Residential [Member] | Home Equity Lines [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	179	186
90+ and still accruing	691	557
Nonperforming loans	870	743
Consumer [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	451	0
90+ and still accruing	641	570
Nonperforming loans	1,092	570
Consumer [Member] | Consumer Direct [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	451	0
90+ and still accruing	36	15
Nonperforming loans	487	15
Consumer [Member] | Consumer Indirect [Member]
Nonaccrual loans segregated by class of loans [Abstract]
Nonaccrual loans with no ACL	0	0
Nonaccrual loans with ACL	0	0
90+ and still accruing	605	555
Nonperforming loans	$ 605	$ 555

Loans, Loan Portfolio Aging Ana

Loans, Loan Portfolio Aging Analysis, Segregated by Class (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	$ 4,350,474	$ 4,050,906
Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	45,021	28,262
30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	12,361	10,056
60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	8,506	5,976
90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	24,154	12,230
Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	4,305,453	4,022,644
Commercial [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	2,214,090	1,983,735
Commercial [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	21,679	8,145
Commercial [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	4,214	2,259
Commercial [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	3,283	1,101
Commercial [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	14,182	4,785
Commercial [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	2,192,411	1,975,590
Commercial [Member] | Hotel/Motel [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	$ 453,465	395,765
Percentage of total loan	10.40%
Commercial [Member] | Hotel/Motel [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	$ 0	0
Commercial [Member] | Hotel/Motel [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0
Commercial [Member] | Hotel/Motel [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0
Commercial [Member] | Hotel/Motel [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0
Commercial [Member] | Hotel/Motel [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	453,465	395,765
Commercial [Member] | Commercial Real Estate Residential [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	485,004	417,943
Commercial [Member] | Commercial Real Estate Residential [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	2,898	2,847
Commercial [Member] | Commercial Real Estate Residential [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,278	1,047
Commercial [Member] | Commercial Real Estate Residential [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	259	275
Commercial [Member] | Commercial Real Estate Residential [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,361	1,525
Commercial [Member] | Commercial Real Estate Residential [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	482,106	415,096
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	834,985	778,637
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	16,187	3,500
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	2,189	549
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	2,752	332
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	11,246	2,619
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	818,798	775,137
Commercial [Member] | Dealer Floorplans [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	86,693	70,308
Commercial [Member] | Dealer Floorplans [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0
Commercial [Member] | Dealer Floorplans [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0
Commercial [Member] | Dealer Floorplans [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0
Commercial [Member] | Dealer Floorplans [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	0	0
Commercial [Member] | Dealer Floorplans [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	86,693	70,308
Commercial [Member] | Commercial Other [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	353,943	321,082
Commercial [Member] | Commercial Other [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	2,594	1,798
Commercial [Member] | Commercial Other [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	747	663
Commercial [Member] | Commercial Other [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	272	494
Commercial [Member] | Commercial Other [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,575	641
Commercial [Member] | Commercial Other [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	351,349	319,284
Residential [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,166,136	1,084,560
Residential [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	16,499	12,837
Residential [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	3,476	2,234
Residential [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	4,143	3,728
Residential [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	8,880	6,875
Residential [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,149,637	1,071,723
Residential [Member] | Real Estate Mortgage [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,003,123	937,524
Residential [Member] | Real Estate Mortgage [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	14,430	10,946
Residential [Member] | Real Estate Mortgage [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	2,450	1,323
Residential [Member] | Real Estate Mortgage [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	3,952	3,455
Residential [Member] | Real Estate Mortgage [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	8,028	6,168
Residential [Member] | Real Estate Mortgage [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	988,693	926,578
Residential [Member] | Home Equity Lines [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	163,013	147,036
Residential [Member] | Home Equity Lines [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	2,069	1,891
Residential [Member] | Home Equity Lines [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,026	911
Residential [Member] | Home Equity Lines [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	191	273
Residential [Member] | Home Equity Lines [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	852	707
Residential [Member] | Home Equity Lines [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	160,944	145,145
Consumer [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	970,248	982,611
Consumer [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	6,843	7,280
Consumer [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	4,671	5,563
Consumer [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,080	1,147
Consumer [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,092	570
Consumer [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	963,405	975,331
Consumer [Member] | Consumer Direct [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	154,061	159,106
Consumer [Member] | Consumer Direct [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,066	1,146
Consumer [Member] | Consumer Direct [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	518	1,013
Consumer [Member] | Consumer Direct [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	61	118
Consumer [Member] | Consumer Direct [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	487	15
Consumer [Member] | Consumer Direct [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	152,995	157,960
Consumer [Member] | Consumer Indirect [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	816,187	823,505
Consumer [Member] | Consumer Indirect [Member] | Total Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	5,777	6,134
Consumer [Member] | Consumer Indirect [Member] | 30-59 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	4,153	4,550
Consumer [Member] | Consumer Indirect [Member] | 60-89 Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	1,019	1,029
Consumer [Member] | Consumer Indirect [Member] | 90+ Days Past Due [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	605	555
Consumer [Member] | Consumer Indirect [Member] | Current [Member]
Bank's Loan portfolio aging analysis, segregated by class [Abstract]
Loans and lease financing	$ 810,410	$ 817,371

Loans, Credit Risk Profile Base

Loans, Credit Risk Profile Based on Rating Category and Payment Activity and on Performing and Nonperforming Status, Segregated by Loan Segment (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Credit Risk Profile, Segregated by Class [Abstract]
Total	$ 4,350,474		$ 4,350,474		$ 4,050,906
Current Period Gross Charge-Offs [Abstract]
Total	(2,736)	$ (2,012)	(8,239)	$ (5,730)	(8,259)
Consumer mortgage loans secured by real estate properties for which formal foreclosure proceedings are in process	4,700		4,700		3,500
Commercial [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	418,840		418,840		437,884
2023/2022	370,466		370,466		443,860
2022/2021	418,327		418,327		325,078
2022/2020	273,128		273,128		168,851
2020/2019	157,345		157,345		122,166
Prior	339,702		339,702		276,521
Revolving Loans	236,282		236,282		209,375
Total	2,214,090		2,214,090		1,983,735
Current Period Gross Charge-Offs [Abstract]
2024/2023			(973)		(725)
2023/2022			(11)		(710)
2022/2021			(116)		(337)
2021/2020			(17)		(27)
2020/2019			(2)		(90)
Prior			(5)		(333)
Revolving loan			0		0
Total			(1,124)		(2,222)
Commercial [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	401,686		401,686		411,703
2023/2022	347,273		347,273		424,100
2022/2021	392,329		392,329		303,445
2022/2020	240,612		240,612		146,909
2020/2019	134,880		134,880		113,411
Prior	293,343		293,343		241,655
Revolving Loans	218,451		218,451		202,377
Total	2,028,574		$ 2,028,574		1,843,600
Commercial [Member] | Pass [Member] | Minimum [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Review period for loans			12 months
Commercial [Member] | Pass [Member] | Maximum [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Review period for loans			18 months
Commercial [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	11,423		$ 11,423		15,576
2023/2022	16,404		16,404		9,730
2022/2021	17,386		17,386		14,182
2022/2020	20,393		20,393		8,491
2020/2019	10,465		10,465		6,259
Prior	28,600		28,600		14,645
Revolving Loans	16,414		16,414		6,355
Total	121,085		121,085		75,238
Commercial [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		2,404
2023/2022	149		149		3,997
2022/2021	15		15		0
2022/2020	8,994		8,994		7,255
2020/2019	0		0		0
Prior	136		136		3,503
Revolving Loans	78		78		30
Total	9,372		9,372		17,189
Commercial [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	5,731		5,731		8,201
2023/2022	6,640		6,640		6,033
2022/2021	8,597		8,597		7,451
2022/2020	3,129		3,129		6,196
2020/2019	12,000		12,000		2,496
Prior	17,621		17,621		15,952
Revolving Loans	1,339		1,339		613
Total	55,057		55,057		46,942
Commercial [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	2		2		766
Revolving Loans	0		0		0
Total	2		2		766
Commercial [Member] | Hotel/Motel [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	56,458		56,458		91,220
2023/2022	90,966		90,966		151,634
2022/2021	158,213		158,213		34,846
2022/2020	33,980		33,980		22,287
2020/2019	21,769		21,769		44,234
Prior	86,681		86,681		47,502
Revolving Loans	5,398		5,398		4,042
Total	453,465		453,465		395,765
Current Period Gross Charge-Offs [Abstract]
Total	0	0	0	0	0
Commercial [Member] | Hotel/Motel [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	56,458		56,458		79,651
2023/2022	79,630		79,630		144,826
2022/2021	143,289		143,289		28,011
2022/2020	27,364		27,364		17,664
2020/2019	17,276		17,276		40,873
Prior	69,756		69,756		42,029
Revolving Loans	5,398		5,398		4,042
Total	399,171		399,171		357,096
Commercial [Member] | Hotel/Motel [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		11,569
2023/2022	11,336		11,336		2,826
2022/2021	10,901		10,901		6,835
2022/2020	6,616		6,616		4,623
2020/2019	4,493		4,493		3,361
Prior	14,971		14,971		1,648
Revolving Loans	0		0		0
Total	48,317		48,317		30,862
Commercial [Member] | Hotel/Motel [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		3,982
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	0		0		1,954
Revolving Loans	0		0		0
Total	0		0		5,936
Commercial [Member] | Hotel/Motel [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	4,023		4,023		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	1,954		1,954		1,118
Revolving Loans	0		0		0
Total	5,977		5,977		1,118
Commercial [Member] | Hotel/Motel [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	0		0		753
Revolving Loans	0		0		0
Total	0		0		753
Commercial [Member] | Commercial Real Estate Residential [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	139,877		139,877		112,381
2023/2022	96,018		96,018		92,104
2022/2021	84,194		84,194		103,901
2022/2020	67,072		67,072		33,201
2020/2019	29,295		29,295		12,914
Prior	51,124		51,124		48,618
Revolving Loans	17,424		17,424		14,824
Total	485,004		485,004		417,943
Current Period Gross Charge-Offs [Abstract]
2024/2023					0
2023/2022					0
2022/2021					(28)
2021/2020					0
2020/2019					0
Prior					0
Revolving loan					0
Total	0	0	0	(28)	(28)
Commercial [Member] | Commercial Real Estate Residential [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	134,673		134,673		109,304
2023/2022	92,523		92,523		89,119
2022/2021	81,747		81,747		98,896
2022/2020	62,759		62,759		30,972
2020/2019	27,219		27,219		11,908
Prior	40,772		40,772		36,964
Revolving Loans	17,321		17,321		14,700
Total	457,014		457,014		391,863
Commercial [Member] | Commercial Real Estate Residential [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	5,169		5,169		2,317
2023/2022	2,551		2,551		2,131
2022/2021	1,822		1,822		473
2022/2020	3,902		3,902		1,395
2020/2019	1,735		1,735		721
Prior	5,508		5,508		6,359
Revolving Loans	55		55		124
Total	20,742		20,742		13,520
Commercial [Member] | Commercial Real Estate Residential [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	121		121		0
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	88		88		63
Revolving Loans	48		48		0
Total	257		257		63
Commercial [Member] | Commercial Real Estate Residential [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	35		35		760
2023/2022	823		823		854
2022/2021	625		625		4,532
2022/2020	411		411		834
2020/2019	341		341		285
Prior	4,756		4,756		5,232
Revolving Loans	0		0		0
Total	6,991		6,991		12,497
Commercial [Member] | Commercial Real Estate Residential [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Total	0		0		0
Commercial [Member] | Commercial Real Estate Nonresidential [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	140,002		140,002		155,080
2023/2022	129,988		129,988		147,857
2022/2021	131,628		131,628		144,933
2022/2020	135,682		135,682		82,314
2020/2019	79,583		79,583		59,788
Prior	180,966		180,966		156,775
Revolving Loans	37,136		37,136		31,890
Total	834,985		834,985		778,637
Current Period Gross Charge-Offs [Abstract]
2024/2023					0
2023/2022					0
2022/2021					(7)
2021/2020					0
2020/2019					0
Prior					(287)
Revolving loan					0
Total	0	0	0	(9)	(294)
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	131,839		131,839		149,633
2023/2022	126,833		126,833		142,580
2022/2021	126,006		126,006		136,090
2022/2020	123,387		123,387		68,240
2020/2019	64,260		64,260		55,850
Prior	162,619		162,619		140,074
Revolving Loans	36,589		36,589		31,536
Total	771,533		771,533		724,003
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	3,710		3,710		552
2023/2022	1,622		1,622		3,664
2022/2021	4,054		4,054		6,305
2022/2020	9,656		9,656		2,347
2020/2019	4,119		4,119		1,938
Prior	7,554		7,554		6,003
Revolving Loans	547		547		354
Total	31,262		31,262		21,163
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		2,375
2023/2022	0		0		15
2022/2021	15		15		0
2022/2020	385		385		7,255
2020/2019	0		0		0
Prior	48		48		1,486
Revolving Loans	0		0		0
Total	448		448		11,131
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	4,453		4,453		2,520
2023/2022	1,533		1,533		1,598
2022/2021	1,553		1,553		2,538
2022/2020	2,254		2,254		4,472
2020/2019	11,204		11,204		2,000
Prior	10,743		10,743		9,199
Revolving Loans	0		0		0
Total	31,740		31,740		22,327
Commercial [Member] | Commercial Real Estate Nonresidential [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	2		2		13
Revolving Loans	0		0		0
Total	2		2		13
Commercial [Member] | Dealer Floorplans [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	0		0		0
Revolving Loans	86,693		86,693		70,308
Total	86,693		86,693		70,308
Current Period Gross Charge-Offs [Abstract]
Total	0	0	0	0	0
Commercial [Member] | Dealer Floorplans [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	0		0		0
Revolving Loans	84,835		84,835		70,308
Total	84,835		84,835		70,308
Commercial [Member] | Dealer Floorplans [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	0		0		0
Revolving Loans	1,858		1,858		0
Total	1,858		1,858		0
Commercial [Member] | Dealer Floorplans [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Total	0		0		0
Commercial [Member] | Dealer Floorplans [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Total	0		0		0
Commercial [Member] | Dealer Floorplans [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Total	0		0		0
Commercial [Member] | Commercial Other [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	82,503		82,503		79,203
2023/2022	53,494		53,494		52,265
2022/2021	44,292		44,292		41,398
2022/2020	36,394		36,394		31,049
2020/2019	26,698		26,698		5,230
Prior	20,931		20,931		23,626
Revolving Loans	89,631		89,631		88,311
Total	353,943		353,943		321,082
Current Period Gross Charge-Offs [Abstract]
2024/2023			(973)		(725)
2023/2022			(11)		(710)
2022/2021			(116)		(302)
2021/2020			(17)		(27)
2020/2019			(2)		(90)
Prior			(5)		(46)
Revolving loan			0		0
Total			(1,124)		(1,900)
Commercial [Member] | Commercial Other [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	78,716		78,716		73,115
2023/2022	48,287		48,287		47,575
2022/2021	41,287		41,287		40,448
2022/2020	27,102		27,102		30,033
2020/2019	26,125		26,125		4,780
Prior	20,196		20,196		22,588
Revolving Loans	74,308		74,308		81,791
Total	316,021		316,021		300,330
Commercial [Member] | Commercial Other [Member] | Watch [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	2,544		2,544		1,138
2023/2022	895		895		1,109
2022/2021	609		609		569
2022/2020	219		219		126
2020/2019	118		118		239
Prior	567		567		635
Revolving Loans	13,954		13,954		5,877
Total	18,906		18,906		9,693
Commercial [Member] | Commercial Other [Member] | OAEM [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		29
2023/2022	28		28		0
2022/2021	0		0		0
2022/2020	8,609		8,609		0
2020/2019	0		0		0
Prior	0		0		0
Revolving Loans	30		30		30
Total	8,667		8,667		59
Commercial [Member] | Commercial Other [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	1,243		1,243		4,921
2023/2022	4,284		4,284		3,581
2022/2021	2,396		2,396		381
2022/2020	464		464		890
2020/2019	455		455		211
Prior	168		168		403
Revolving Loans	1,339		1,339		613
Total	10,349		10,349		11,000
Commercial [Member] | Commercial Other [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Total	0		0		0
Residential [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	130,527		130,527		200,442
2023/2022	200,489		200,489		162,607
2022/2021	146,387		146,387		160,008
2022/2020	149,640		149,640		119,964
2020/2019	111,115		111,115		57,134
Prior	272,924		272,924		245,441
Revolving Loans	155,054		155,054		138,964
Total	1,166,136		1,166,136		1,084,560
Current Period Gross Charge-Offs [Abstract]
2024/2023			0		0
2023/2022			0		0
2022/2021			0		(47)
2021/2020			(27)		0
2020/2019			0		(40)
Prior			(101)		(76)
Revolving loan			0		0
Total			(128)		(163)
Residential [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	130,527		130,527		200,442
2023/2022	199,633		199,633		162,407
2022/2021	145,699		145,699		159,857
2022/2020	148,965		148,965		119,772
2020/2019	110,835		110,835		56,601
Prior	266,483		266,483		238,777
Revolving Loans	154,593		154,593		138,663
Total	1,156,735		1,156,735		1,076,519
Residential [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	856		856		200
2022/2021	688		688		151
2022/2020	675		675		192
2020/2019	280		280		533
Prior	6,441		6,441		6,664
Revolving Loans	461		461		301
Total	9,401		9,401		8,041
Residential [Member] | Real Estate Mortgage [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	130,527		130,527		200,442
2023/2022	200,489		200,489		162,607
2022/2021	146,387		146,387		160,008
2022/2020	149,640		149,640		119,964
2020/2019	111,115		111,115		57,134
Prior	264,965		264,965		237,369
Revolving Loans	0		0		0
Total	1,003,123		1,003,123		937,524
Current Period Gross Charge-Offs [Abstract]
2024/2023			0		0
2023/2022			0		0
2022/2021			(27)		(47)
2021/2020			0		0
2020/2019			0		(40)
Prior			(61)		(53)
Revolving loan			0		0
Total			(88)		(140)
Residential [Member] | Real Estate Mortgage [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	130,527		130,527		200,442
2023/2022	199,633		199,633		162,407
2022/2021	145,699		145,699		159,857
2022/2020	148,965		148,965		119,772
2020/2019	110,835		110,835		56,601
Prior	258,933		258,933		231,147
Revolving Loans	0		0		0
Total	994,592		994,592		930,226
Residential [Member] | Real Estate Mortgage [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	856		856		200
2022/2021	688		688		151
2022/2020	675		675		192
2020/2019	280		280		533
Prior	6,032		6,032		6,222
Revolving Loans	0		0		0
Total	8,531		8,531		7,298
Residential [Member] | Home Equity Lines [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	7,959		7,959		8,072
Revolving Loans	155,054		155,054		138,964
Total	163,013		163,013		147,036
Current Period Gross Charge-Offs [Abstract]
2024/2023			0		0
2023/2022			0		0
2022/2021			0		0
2021/2020			0		0
2020/2019			0		0
Prior			(40)		(23)
Revolving loan			0		0
Total	(40)	(10)	(40)	(23)	(23)
Residential [Member] | Home Equity Lines [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	7,550		7,550		7,630
Revolving Loans	154,593		154,593		138,663
Total	162,143		162,143		146,293
Residential [Member] | Home Equity Lines [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		0
2022/2020	0		0		0
2020/2019	0		0		0
Prior	409		409		442
Revolving Loans	461		461		301
Total	870		870		743
Consumer [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	275,974		275,974		422,868
2023/2022	310,220		310,220		286,035
2022/2021	208,087		208,087		135,649
2022/2020	93,858		93,858		84,890
2020/2019	53,145		53,145		30,740
Prior	28,964		28,964		22,429
Revolving Loans	0		0		0
Total	970,248		970,248		982,611
Current Period Gross Charge-Offs [Abstract]
2024/2023			(180)		(606)
2023/2022			(2,390)		(2,583)
2022/2021			(2,652)		(1,817)
2021/2020			(1,289)		(529)
2020/2019			(216)		(148)
Prior			(260)		(191)
Revolving loan			0		0
Total			(6,987)		(5,874)
Consumer [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	275,916		275,916		422,735
2023/2022	309,976		309,976		285,808
2022/2021	207,404		207,404		135,481
2022/2020	93,789		93,789		84,879
2020/2019	53,129		53,129		30,718
Prior	28,942		28,942		22,420
Revolving Loans	0		0		0
Total	969,156		969,156		982,041
Consumer [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	58		58		133
2023/2022	244		244		227
2022/2021	683		683		168
2022/2020	69		69		11
2020/2019	16		16		22
Prior	22		22		9
Revolving Loans	0		0		0
Total	1,092		1,092		570
Consumer [Member] | Consumer Direct [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	44,620		44,620		63,686
2023/2022	40,667		40,667		34,726
2022/2021	24,547		24,547		26,261
2022/2020	18,896		18,896		15,560
2020/2019	10,780		10,780		6,951
Prior	14,551		14,551		11,922
Revolving Loans	0		0		0
Total	154,061		154,061		159,106
Current Period Gross Charge-Offs [Abstract]
2024/2023			(9)		(65)
2023/2022			(239)		(263)
2022/2021			(593)		(129)
2021/2020			(67)		(37)
2020/2019			(18)		(27)
Prior			(45)		(20)
Revolving loan			0		0
Total	(249)	(148)	(971)	(386)	(541)
Consumer [Member] | Consumer Direct [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	44,620		44,620		63,686
2023/2022	40,654		40,654		34,722
2022/2021	24,086		24,086		26,250
2022/2020	18,896		18,896		15,560
2020/2019	10,773		10,773		6,951
Prior	14,545		14,545		11,922
Revolving Loans	0		0		0
Total	153,574		153,574		159,091
Consumer [Member] | Consumer Direct [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	13		13		4
2022/2021	461		461		11
2022/2020	0		0		0
2020/2019	7		7		0
Prior	6		6		0
Revolving Loans	0		0		0
Total	487		487		15
Consumer [Member] | Consumer Indirect [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	231,354		231,354		359,182
2023/2022	269,553		269,553		251,309
2022/2021	183,540		183,540		109,388
2022/2020	74,962		74,962		69,330
2020/2019	42,365		42,365		23,789
Prior	14,413		14,413		10,507
Revolving Loans	0		0		0
Total	816,187		816,187		823,505
Current Period Gross Charge-Offs [Abstract]
2024/2023			(171)		(541)
2023/2022			(2,151)		(2,320)
2022/2021			(2,059)		(1,688)
2021/2020			(1,222)		(492)
2020/2019			(198)		(121)
Prior			(215)		(171)
Revolving loan			0		0
Total	(2,132)	$ (1,655)	(6,016)	$ (3,730)	(5,333)
Consumer [Member] | Consumer Indirect [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	231,296		231,296		359,049
2023/2022	269,322		269,322		251,086
2022/2021	183,318		183,318		109,231
2022/2020	74,893		74,893		69,319
2020/2019	42,356		42,356		23,767
Prior	14,397		14,397		10,498
Revolving Loans	0		0		0
Total	815,582		815,582		822,950
Consumer [Member] | Consumer Indirect [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	58		58		133
2023/2022	231		231		223
2022/2021	222		222		157
2022/2020	69		69		11
2020/2019	9		9		22
Prior	16		16		9
Revolving Loans	0		0		0
Total	$ 605		$ 605		$ 555

Loans, Collateral Dependent Loa

Loans, Collateral Dependent Loans Evaluated Individually by Segment (Details) - Commercial [Member] $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2024 USD ($) Loan	Sep. 30, 2023 USD ($) Loan	Dec. 31, 2023 USD ($) Loan
Collateral Pledged [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of Loans | Loan	14	12	16
Recorded balance	$ 47,317	$ 30,979	$ 39,185
Specific Allowance	$ 325	$ 0	$ 250
Hotel/Motel [Member] | Collateral Pledged [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of Loans | Loan	2	2	3
Recorded balance	$ 5,595	$ 8,029	$ 6,810
Specific Allowance	$ 0	$ 0	$ 0
Commercial Real Estate Residential [Member] | Collateral Pledged [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of Loans | Loan	0	2	2
Recorded balance	$ 0	$ 5,116	$ 5,080
Specific Allowance	$ 0	$ 0	$ 0
Commercial Real Estate Nonresidential [Member] | Collateral Pledged [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of Loans | Loan	9	6	9
Recorded balance	$ 28,354	$ 11,633	$ 21,637
Specific Allowance	$ 325	$ 0	$ 250
Commercial Other [Member] | Collateral Pledged [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of Loans | Loan	3	2	2
Recorded balance	$ 13,368	$ 6,201	$ 5,658
Specific Allowance	$ 0	$ 0	$ 0
Commercial Other [Member] | Accounts Receivable, Equipment, and Inventory [Member]
Collateral Dependent Loans by Segment [Abstract]
Number of financing receivables collateralized | Loan	2
Number of loans secured by common stock | Loan	1
Secured loan by shares of common stock	$ 8,600

Loans, Modified Loans Segregate

Loans, Modified Loans Segregated by Loan Segment and Concession Granted (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 183	$ 269	$ 1,020	$ 5,137	$ 5,619
% of total	0%	0.01%	0.02%	0.13%	0.14%
Term Extension [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 2,446	$ 3,829	$ 8,553	$ 13,617	$ 19,331
% of total	0.06%	0.10%	0.20%	0.34%	0.48%
Combination - Term Extension and Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 454	$ 710	$ 916	$ 1,255	$ 1,255
% of total	0.01%	0.02%	0.02%	0.03%	0.03%
Payment Change [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 2,159	$ 81	$ 3,159	$ 149	$ 2,521
% of total	0.05%	0%	0.07%	0%	0.06%
Commercial [Member] | Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 269	$ 0	$ 5,079	$ 5,038
% of total	0%	0.01%	0%	0.26%	0.25%
Commercial [Member] | Interest Rate Reduction [Member] | Hotel/Motel [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Commercial [Member] | Interest Rate Reduction [Member] | Commercial Real Estate Residential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 269	$ 0	$ 537	$ 534
% of total	0%	0.07%	0%	0.13%	0.13%
Commercial [Member] | Interest Rate Reduction [Member] | Commercial Real Estate Nonresidential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 4,542	$ 4,504
% of total	0%	0%	0%	0.58%	0.58%
Commercial [Member] | Interest Rate Reduction [Member] | Dealer Floorplans [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Commercial [Member] | Interest Rate Reduction [Member] | Commercial Other [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Commercial [Member] | Term Extension [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 345	$ 2,243	$ 1,015	$ 8,408	$ 13,155
% of total	0.02%	0.11%	0.05%	0.43%	0.66%
Commercial [Member] | Term Extension [Member] | Hotel/Motel [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Commercial [Member] | Term Extension [Member] | Commercial Real Estate Residential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 196	$ 78	$ 1,587	$ 1,788
% of total	0%	0.05%	0.02%	0.39%	0.43%
Commercial [Member] | Term Extension [Member] | Commercial Real Estate Nonresidential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 1,883	$ 0	$ 5,297	$ 5,342
% of total	0%	0.24%	0%	0.67%	0.69%
Commercial [Member] | Term Extension [Member] | Dealer Floorplans [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Commercial [Member] | Term Extension [Member] | Commercial Other [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 345	$ 164	$ 937	$ 1,524	$ 6,025
% of total	0.10%	0.05%	0.26%	0.48%	1.88%
Commercial [Member] | Combination - Term Extension and Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 164	$ 0	$ 214	$ 44	$ 29
% of total	0.01%	0%	0.01%	0%	0%
Commercial [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Hotel/Motel [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Commercial [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Commercial Real Estate Residential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 13	$ 44	$ 0
% of total	0%	0%	0%	0.01%	0%
Commercial [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Commercial Real Estate Nonresidential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 27	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Commercial [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Dealer Floorplans [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Commercial [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Commercial Other [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 164	$ 0	$ 174	$ 0	$ 29
% of total	0.05%	0%	0.05%	0%	0.01%
Commercial [Member] | Payment Change [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 2,149	$ 81	$ 3,094	$ 130	$ 2,461
% of total	0.10%	0%	0.14%	0.01%	0.01%
Commercial [Member] | Payment Change [Member] | Hotel/Motel [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 1,954	$ 0	$ 1,954	$ 0	$ 1,955
% of total	0.43%	0%	0.43%	0%	0.49%
Commercial [Member] | Payment Change [Member] | Commercial Real Estate Residential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 206	$ 0	$ 218
% of total	0%	0%	0.04%	0%	0.05%
Commercial [Member] | Payment Change [Member] | Commercial Real Estate Nonresidential [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Commercial [Member] | Payment Change [Member] | Dealer Floorplans [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Commercial [Member] | Payment Change [Member] | Commercial Other [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 195	$ 81	$ 934	$ 130	$ 288
% of total	0.06%	0.03%	0.26%	0.04%	0.09%
Residential [Member] | Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 183	$ 0	$ 1,020	$ 58	$ 581
% of total	0.02%	0%	0.09%	0.01%	0.05%
Residential [Member] | Interest Rate Reduction [Member] | Real Estate Mortgage [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 183	$ 0	$ 1,020	$ 58	$ 581
% of total	0.02%	0%	0.10%	0.01%	0.06%
Residential [Member] | Interest Rate Reduction [Member] | Home Equity Lines [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Residential [Member] | Term Extension [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 2,030	$ 1,586	$ 7,156	$ 4,623	$ 5,677
% of total	0.17%	0.15%	0.61%	0.44%	0.52%
Residential [Member] | Term Extension [Member] | Real Estate Mortgage [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 2,030	$ 1,362	$ 7,125	$ 4,373	$ 5,431
% of total	0.20%	0.15%	0.71%	0.48%	0.58%
Residential [Member] | Term Extension [Member] | Home Equity Lines [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 224	$ 31	$ 250	$ 246
% of total	0%	0.16%	0.02%	0.18%	0.17%
Residential [Member] | Combination - Term Extension and Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 290	$ 710	$ 702	$ 1,211	$ 1,226
% of total	0.02%	0.07%	0.06%	0.11%	0.11%
Residential [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Real Estate Mortgage [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 258	$ 661	$ 590	$ 1,085	$ 1,101
% of total	0.03%	0.07%	0.06%	0.12%	0.12%
Residential [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Home Equity Lines [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 32	$ 49	$ 112	$ 126	$ 125
% of total	0.02%	0.04%	0.07%	0.09%	0.09%
Residential [Member] | Payment Change [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 42
% of total	0%	0%	0%	0%	0%
Residential [Member] | Payment Change [Member] | Real Estate Mortgage [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Residential [Member] | Payment Change [Member] | Home Equity Lines [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 42
% of total	0%	0%	0%	0%	0.03%
Consumer [Member] | Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Consumer [Member] | Interest Rate Reduction [Member] | Consumer Direct [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Consumer [Member] | Interest Rate Reduction [Member] | Consumer Indirect [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Consumer [Member] | Term Extension [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 71	$ 0	$ 382	$ 586	$ 499
% of total	0.01%	0%	0.04%	0.06%	0.05%
Consumer [Member] | Term Extension [Member] | Consumer Direct [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 71	$ 0	$ 103	$ 192	$ 165
% of total	0.05%	0%	0.07%	0.12%	0.10%
Consumer [Member] | Term Extension [Member] | Consumer Indirect [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 279	$ 394	$ 334
% of total	0%	0%	0.03%	0.05%	0.04%
Consumer [Member] | Combination - Term Extension and Interest Rate Reduction [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Consumer [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Consumer Direct [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Consumer [Member] | Combination - Term Extension and Interest Rate Reduction [Member] | Consumer Indirect [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 0	$ 0	$ 0	$ 0	$ 0
% of total	0%	0%	0%	0%	0%
Consumer [Member] | Payment Change [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 10	$ 0	$ 65	$ 19	$ 18
% of total	0%	0%	0.01%	0%	0%
Consumer [Member] | Payment Change [Member] | Consumer Direct [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 1	$ 0	$ 1	$ 19	$ 18
% of total	0%	0%	0%	0.01%	0.01%
Consumer [Member] | Payment Change [Member] | Consumer Indirect [Member]
Modified Loans Segregated by Class of Loans and Concession Granted [Abstract]
Amortized cost	$ 9	$ 0	$ 64	$ 0	$ 0
% of total	0%	0%	0.01%	0%	0%

Loans, Financial Effect of Modi

Loans, Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty (Details)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Real Estate Mortgage [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate				3%
Interest Rate Reduction [Member] | Commercial Real Estate Residential [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate, pre-modification		9.50%		9.50%	9.50%
Weighted-average contractual interest rate, post-modification		7.50%		7.80%	7.80%
Interest Rate Reduction [Member] | Commercial Real Estate Nonresidential [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate, pre-modification				9.50%	9.50%
Weighted-average contractual interest rate, post-modification				7.50%	7.50%
Interest Rate Reduction [Member] | Real Estate Mortgage [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate, pre-modification	6.20%		7.80%		7%
Weighted-average contractual interest rate, post-modification	3.30%		4.70%		4.40%
Term Extension [Member] | Commercial Real Estate Residential [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased		2 years	3 months 18 days	7 months 6 days	6 months
Term Extension [Member] | Commercial Real Estate Nonresidential [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased		2 months 12 days		1 month 6 days	1 month 6 days
Term Extension [Member] | Commercial Other [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased	3 months 18 days	9 months 18 days	3 months 18 days	1 year 4 months 24 days	3 years
Term Extension [Member] | Real Estate Mortgage [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased	1 year 4 months 24 days	1 year	9 months 18 days	2 years 3 months 18 days	2 years 9 months 18 days
Term Extension [Member] | Home Equity Lines [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased		4 years 10 months 24 days	6 months	5 years 9 months 18 days	6 years 1 month 6 days
Term Extension [Member] | Consumer Direct [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased	2 months 12 days		1 month 6 days
Weighted-average term decreased				8 months 12 days	9 months 18 days
Term Extension [Member] | Consumer Indirect [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average term increased			3 months 18 days	3 months 18 days	3 months 18 days
Combination - Term Extension and Interest Rate Reduction [Member] | Commercial Real Estate Residential [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate			8.50%
Weighted-average contractual interest rate, pre-modification				10.80%
Weighted-average contractual interest rate, post-modification				6.50%
Weighted-average term increased			4 years	3 months 18 days
Combination - Term Extension and Interest Rate Reduction [Member] | Commercial Real Estate Nonresidential [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate, pre-modification			6%
Weighted-average contractual interest rate, post-modification			8.50%
Weighted-average term increased			10 years 3 months 18 days
Combination - Term Extension and Interest Rate Reduction [Member] | Commercial Other [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate, pre-modification	4%		4.30%		12.80%
Weighted-average contractual interest rate, post-modification	8.50%		8.50%		11.30%
Weighted-average term increased	15 years		14 years 3 months 18 days		2 years 10 months 24 days
Combination - Term Extension and Interest Rate Reduction [Member] | Real Estate Mortgage [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate	8.50%
Weighted-average contractual interest rate, pre-modification		5.80%	5.60%	6.30%	6.30%
Weighted-average contractual interest rate, post-modification		5.70%	4.20%	5.90%	5.80%
Weighted-average term increased	20 years	13 years 1 month 6 days	4 years 3 months 18 days	12 years 4 months 24 days	12 years 2 months 12 days
Combination - Term Extension and Interest Rate Reduction [Member] | Home Equity Lines [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-average contractual interest rate, pre-modification	5.40%	9.90%	9.30%	9.40%	9.40%
Weighted-average contractual interest rate, post-modification	3%	8.30%	8.60%	8.10%	8.10%
Weighted-average term increased	1 year 4 months 24 days	8 years 2 months 12 days	13 years 1 month 6 days	9 years 4 months 24 days	9 years 3 months 18 days

Loans, Payment Status of Modifi

Loans, Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	$ 779	$ 635
Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	16,746	18,022
30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	863	1,938
90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	1,056	510
Hotel/Motel [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	0	0
Hotel/Motel [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	1,954	0
Hotel/Motel [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Hotel/Motel [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Commercial Real Estate Residential [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	0	0
Commercial Real Estate Residential [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	119	2,122
Commercial Real Estate Residential [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	219	44
Commercial Real Estate Residential [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	237	0
Commercial Real Estate Nonresidential [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	0	0
Commercial Real Estate Nonresidential [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	47	9,813
Commercial Real Estate Nonresidential [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Commercial Real Estate Nonresidential [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	26
Dealer Floorplans [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	0	0
Dealer Floorplans [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Dealer Floorplans [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Dealer Floorplans [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Commercial Other [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	64	264
Commercial Other [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	5,215	1,060
Commercial Other [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	335	320
Commercial Other [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	345
Real Estate Mortgage [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	715	349
Real Estate Mortgage [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	8,865	3,935
Real Estate Mortgage [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	245	1,442
Real Estate Mortgage [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	819	139
Home Equity Lines [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	0	22
Home Equity Lines [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	162	519
Home Equity Lines [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	100
Home Equity Lines [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Consumer Direct [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	0	0
Consumer Direct [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	104	207
Consumer Direct [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	3
Consumer Direct [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	0	0
Consumer Indirect [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Nonaccrual	0	0
Consumer Indirect [Member] | Current [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	280	366
Consumer Indirect [Member] | 30 to 89 Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	64	29
Consumer Indirect [Member] | 90+ Days Past Due [Member]
Payment Status of Modified Loans to Borrowers Experiencing Financial Difficulty [Abstract]
Modified loans to borrowers experiencing financial difficulty	$ 0	$ 0

Loans, Troubled Debt Restructur

Loans, Troubled Debt Restructurings Segregated by Class Subsequently Defaulted (Details) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2024 USD ($) Loan	Sep. 30, 2024 USD ($) Loan	Dec. 31, 2023 USD ($)
Troubled Debt Restructurings Segregated by Class [Abstract]
Loans experiencing financial difficulty, number of loans | Loan	5	13
loans experiencing financial difficulty, recorded balance	$ 467	$ 1,816
Off-balance sheet credit exposure	$ 1,500	$ 1,500	$ 1,500
Minimum [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Past due period for loan to be considered in default	90 days
Commercial [Member] | Commercial Real Estate Residential [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Loans experiencing financial difficulty, number of loans | Loan		1
loans experiencing financial difficulty, recorded balance		$ 237
Commercial [Member] | Commercial Other [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Loans experiencing financial difficulty, number of loans | Loan		4
loans experiencing financial difficulty, recorded balance		$ 316
Commercial [Member] | Real Estate Mortgage [Member]
Troubled Debt Restructurings Segregated by Class [Abstract]
Loans experiencing financial difficulty, number of loans | Loan	5	8
loans experiencing financial difficulty, recorded balance	$ 467	$ 1,263

Other Real Estate Owned, Activi

Other Real Estate Owned, Activity For Other Real Estate Owned (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Activity for other real estate owned [Roll Forward]
Beginning balance of other real estate owned	$ 1,626	$ 2,047	$ 1,616	$ 3,671
New assets acquired	14	325	488	500
Capitalized costs	0	7	13	46
Fair value adjustments	0	(124)	(49)	(230)
Sale of assets	(296)	(80)	(724)	(1,812)
Ending balance of other real estate owned	1,344	2,175	1,344	2,175
Carrying cost and fair value adjustments for foreclosed properties	$ 13	$ 200	$ 100	$ 300

Other Real Estate Owned, Major

Other Real Estate Owned, Major Classifications of Foreclosed Properties (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	$ 1,344	$ 1,616
1-4 Family [Member]
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	574	827
Construction/Land Development/Other [Member]
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	394	383
Non-farm/Non-residential [Member]
Major Classifications of Foreclosed Properties [Abstract]
Total foreclosed properties	$ 376	$ 406

Repurchase Agreements (Details)

Repurchase Agreements (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	$ 1,098,076	$ 1,163,724
Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	233,324	225,245
Securities Sold under Agreements to Repurchase [Member] | Asset Pledged as Collateral [Member]
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	297,700	296,600
Overnight and Continuous [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	147,278	139,317
Up to 30 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	0	500
30-90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	2,460	49,300
Greater Than 90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	83,586	36,128
U.S. Treasury and Government Agencies [Member]
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	344,200	354,817
U.S. Treasury and Government Agencies [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	51,576	46,632
U.S. Treasury and Government Agencies [Member] | Overnight and Continuous [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	21,644	21,156
U.S. Treasury and Government Agencies [Member] | Up to 30 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	0	19
U.S. Treasury and Government Agencies [Member] | 30-90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	21	1,817
U.S. Treasury and Government Agencies [Member] | Greater Than 90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	29,911	23,640
State and Political Subdivisions [Member]
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	265,871	264,945
State and Political Subdivisions [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	116,404	107,715
State and Political Subdivisions [Member] | Overnight and Continuous [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	105,022	98,053
State and Political Subdivisions [Member] | Up to 30 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	0	481
State and Political Subdivisions [Member] | 30-90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	1,897	5,962
State and Political Subdivisions [Member] | Greater Than 90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	9,485	3,219
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	438,749	456,736
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	61,856	68,328
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | Overnight and Continuous [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	17,124	17,538
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | Up to 30 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	0	0
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | 30-90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	542	41,521
U.S. Government Sponsored Agency Mortgage-backed Securities [Member] | Greater Than 90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	44,190	9,269
Asset-backed Securities [Member]
Financial Instruments Pledged as Collateral [Abstract]
Debt securities available-for-sale	49,256	87,226
Asset-backed Securities [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	3,488	2,570
Asset-backed Securities [Member] | Overnight and Continuous [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	3,488	2,570
Asset-backed Securities [Member] | Up to 30 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	0	0
Asset-backed Securities [Member] | 30-90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	0	0
Asset-backed Securities [Member] | Greater Than 90 Days [Member] | Securities Sold under Agreements to Repurchase [Member]
Remaining contractual maturity of securities sold under agreements to repurchase by class of collateral pledged [Abstract]
Repurchase agreements and repurchase-to-maturity transactions	$ 0	$ 0

Fair Value of Financial Asset_3

Fair Value of Financial Assets and Liabilities, Fair Value Measurements of Assets Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	$ 1,098,076	$ 1,163,724
Equity securities at fair value	3,266	3,158
U.S. Treasury and Government Agencies [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	344,200	354,817
State and Political Subdivisions [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	265,871	264,945
U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	438,749	456,736
Asset-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	49,256	87,226
Recurring [Member]
Assets measured - recurring basis [Abstract]
Equity securities at fair value	3,266	3,158
Mortgage servicing rights	7,091	7,665
Recurring [Member] | U.S. Treasury and Government Agencies [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	344,200	354,817
Recurring [Member] | State and Political Subdivisions [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	265,871	264,945
Recurring [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	438,749	456,736
Recurring [Member] | Asset-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	49,256	87,226
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member]
Assets measured - recurring basis [Abstract]
Equity securities at fair value	0	0
Mortgage servicing rights	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | U.S. Treasury and Government Agencies [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	329,996	336,285
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | State and Political Subdivisions [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Asset-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member]
Assets measured - recurring basis [Abstract]
Equity securities at fair value	0	0
Mortgage servicing rights	0	0
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | U.S. Treasury and Government Agencies [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	14,204	18,532
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | State and Political Subdivisions [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	265,871	264,945
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	438,749	456,736
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Asset-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	49,256	87,226
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member]
Assets measured - recurring basis [Abstract]
Equity securities at fair value	3,266	3,158
Mortgage servicing rights	7,091	7,665
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | U.S. Treasury and Government Agencies [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | State and Political Subdivisions [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | U.S. Government Sponsored Agency Mortgage-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Asset-backed Securities [Member]
Assets measured - recurring basis [Abstract]
Debt securities available-for-sale	$ 0	$ 0

Fair Value of Financial Asset_4

Fair Value of Financial Assets and Liabilities, Level 3 Reconciliation and Noninterest Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Noninterest Income [Abstract]
Total gains (losses)	$ (480)	$ 369	$ (566)	$ 414
Recurring [Member] | Equity Securities [Member]
Reconciliation of beginning and ending balances of recurring fair value measurements recognized in balance sheet using significant unobservable (Level 3) inputs [Roll Forward]
Beginning balance	3,054	2,545	3,158	2,166
Total unrealized gains (losses) included in net income	212	355	108	734
Issues	0	0	0	0
Settlements	0	0	0	0
Ending balance	3,266	2,900	3,266	2,900
Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date	212	355	108	734
Recurring [Member] | Mortgage Servicing Rights [Member]
Reconciliation of beginning and ending balances of recurring fair value measurements recognized in balance sheet using significant unobservable (Level 3) inputs [Roll Forward]
Beginning balance	7,749	8,230	7,665	8,468
Total unrealized gains (losses) included in net income	(494)	155	(173)	21
Issues	34	45	100	141
Settlements	(198)	(141)	(501)	(341)
Ending balance	7,091	8,289	7,091	8,289
Total gains (losses) for the period included in net income attributable to the change in unrealized gains or losses related to assets still held at the reporting date	$ (494)	$ 155	$ (173)	$ 21

Fair Value of Financial Asset_5

Fair Value of Financial Assets and Liabilities, Fair Value Measurements of Assets Measured on Nonrecurring Basis (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	$ 8,318	$ 8,318		$ 8,397
Impaired loan (collateral dependent) [Abstract]
Fair value adjustments on collateral dependent loans			$ 0	300
Other real estate owned [Abstract]
Other real estate owned, fair value adjustment				100
Minimum [Member]
Other real estate owned [Abstract]
Typical frequency of periodic reviews		12 months
Maximum [Member]
Other real estate owned [Abstract]
Typical frequency of periodic reviews		18 months
Frequency of periodic reviews in general		24 months
Nonrecurring [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans adjustment	0	$ 100
Nonrecurring [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	8,318	8,318		8,397
Other real estate owned	471	471		205
Other real estate owned fair value disclosure adjustment	0	6
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	0	0		0
Other real estate owned	0	0		0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	0	0		0
Other real estate owned	0	0		0
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Fair Value [Member]
Assets measured-nonrecurring basis [Abstract]
Collateral dependent loans	8,318	8,318		8,397
Other real estate owned	$ 471	$ 471		$ 205

Fair Value of Financial Asset_6

Fair Value of Financial Assets and Liabilities, Quantitative Information about Level 3 Fair Value Measurements (Details) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value	$ 3,266	$ 3,158
Mortgage servicing rights	7,091	7,665
Collateral dependent loans	8,318	8,397
Other real estate owned	$ 471	$ 205
Conversion Rate [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	1.5875
Dividend Rate [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	0.8255
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Discount Rate [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	0.08	0.15
Mortgage servicing rights, measurement input	0.098	0.095
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Discount Rate [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	0.12	0.25
Mortgage servicing rights, measurement input	0.12	0.12
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Discount Rate [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input	0.10	0.20
Mortgage servicing rights, measurement input	0.10	0.10
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Conversion Date [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input, conversion date	Dec. 31, 2025	Dec. 31, 2028
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Conversion Date [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input, conversion date	Dec. 31, 2029	Dec. 31, 2032
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Conversion Date [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Equity securities at fair value, measurement input, conversion date	Dec. 31, 2027	Dec. 31, 2030
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Constant Prepayment Rate [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	0	0
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Constant Prepayment Rate [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	0.26	0.776
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Constant Prepayment Rate [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	0.069	0.075
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Probability of Default [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	0	0
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Probability of Default [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	1	0.667
Significant Unobservable Inputs (Level 3) [Member] | Valuation, Income Approach [Member] | Probability of Default [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Mortgage servicing rights, measurement input	0.009	0.01
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Marketability Discount [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Collateral dependent loans, measurement input	0.115	0.109
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Marketability Discount [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Collateral dependent loans, measurement input	0.189	0.196
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Marketability Discount [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Collateral dependent loans, measurement input	0.126	0.122
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Comparability Adjustment [Member] | Minimum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Other real estate owned, measurement input	0.372	0.10
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Comparability Adjustment [Member] | Maximum [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Other real estate owned, measurement input	0.585	0.239
Significant Unobservable Inputs (Level 3) [Member] | Market Comparable Properties [Member] | Comparability Adjustment [Member] | Weighted Average [Member]
Quantitative Information about Unobservable Inputs Used in Level 3 Fair Value Measurements [Abstract]
Other real estate owned, measurement input	0.511	0.175

Fair Value of Financial Asset_7

Fair Value of Financial Assets and Liabilities, Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Financial assets [Abstract]
Debt securities available-for-sale	$ 1,098,076	$ 1,163,724
Equity securities at fair value	3,266	3,158
Federal Reserve Bank stock	4,887	4,887
Carrying Amount [Member]
Financial assets [Abstract]
Cash and cash equivalents	240,940	271,400
Certificates of deposit in other banks	245	245
Debt securities available-for-sale	1,098,076	1,163,724
Equity securities at fair value	3,266	3,158
Loans held for sale	115	152
Loans, net	4,297,114	4,001,363
Federal Home Loan Bank stock	5,173	4,712
Federal Reserve Bank stock	4,887	4,887
Accrued interest receivable	23,770	23,575
Financial liabilities [Abstract]
Deposits	4,838,262	4,724,622
Repurchase agreements	233,324	225,245
Federal funds purchased	500	500
Advances from Federal Home Loan Bank	319	334
Long-term debt	64,074	64,241
Accrued interest payable	16,304	7,389
Unrecognized financial instruments [Abstract]
Letters of credit	0	0
Commitments to extend credit	0	0
Forward sale commitments	0	0
Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial assets [Abstract]
Cash and cash equivalents	240,940	271,400
Certificates of deposit in other banks	0	0
Debt securities available-for-sale	329,996	336,285
Equity securities at fair value	0	0
Loans held for sale	118	154
Loans, net	0	0
Federal Home Loan Bank stock	0	0
Federal Reserve Bank stock	0	0
Accrued interest receivable	0	0
Financial liabilities [Abstract]
Deposits	988,350	1,260,690
Repurchase agreements	0	0
Federal funds purchased	0	0
Advances from Federal Home Loan Bank	0	0
Long-term debt	0	0
Accrued interest payable	0	0
Unrecognized financial instruments [Abstract]
Letters of credit	0	0
Commitments to extend credit	0	0
Forward sale commitments	0	0
Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Certificates of deposit in other banks	245	245
Debt securities available-for-sale	768,080	827,439
Equity securities at fair value	0	0
Loans held for sale	0	0
Loans, net	0	0
Federal Home Loan Bank stock	5,173	4,712
Federal Reserve Bank stock	4,887	4,887
Accrued interest receivable	23,770	23,575
Financial liabilities [Abstract]
Deposits	3,508,210	3,480,806
Repurchase agreements	0	0
Federal funds purchased	500	500
Advances from Federal Home Loan Bank	328	349
Long-term debt	0	0
Accrued interest payable	16,304	7,389
Unrecognized financial instruments [Abstract]
Letters of credit	0	0
Commitments to extend credit	0	0
Forward sale commitments	0	0
Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Certificates of deposit in other banks	0	0
Debt securities available-for-sale	0	0
Equity securities at fair value	3,266	3,158
Loans held for sale	0	0
Loans, net	4,127,547	3,745,477
Federal Home Loan Bank stock	0	0
Federal Reserve Bank stock	0	0
Accrued interest receivable	0	0
Financial liabilities [Abstract]
Deposits	0	0
Repurchase agreements	233,228	225,187
Federal funds purchased	0	0
Advances from Federal Home Loan Bank	0	0
Long-term debt	47,887	50,326
Accrued interest payable	0	0
Unrecognized financial instruments [Abstract]
Letters of credit	0	0
Commitments to extend credit	0	0
Forward sale commitments	$ 0	$ 0

Revenue Recognition (Details)

Revenue Recognition (Details) $ in Millions	9 Months Ended
	Sep. 30, 2024 USD ($) Segment
Revenue Recognition [Abstract]
Contract assets	$ 0
Contract liabilities	0
Receivable accounts for contracts with customers	$ 0
Number of operating segments | Segment	1

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Numerator [Abstract]
Net income	$ 22,142	$ 20,628	$ 60,320	$ 59,345
Basic earnings per share [Abstract]
Weighted average shares (in shares)	17,962,000	17,893,000	17,942,000	17,882,000
Diluted earnings per share [Abstract]
Effect of dilutive stock options and restricted stock grants (in shares)	29,000	11,000	23,000	10,000
Adjusted weighted average shares (in shares)	17,991,000	17,904,000	17,965,000	17,892,000
Earnings per share [Abstract]
Basic earnings per share (in dollars per share)	$ 1.23	$ 1.15	$ 3.36	$ 3.32
Diluted earnings per share (in dollars per share)	$ 1.23	$ 1.15	$ 3.36	$ 3.32
Options [Member]
Earnings Per Share [Abstract]
Options excluded from diluted calculations (in shares)	0	0	0	0

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Amounts Reclassified from Accumulated Other Comprehensive Income (Loss) (AOCI) [Abstract]
Securities gains (losses)	$ 213	$ 355	$ 110	$ 738
Tax expense (benefit)	5,372	5,290	17,035	15,966
Net income	22,142	20,628	60,320	59,345
Unrealized Gains (Losses) on AFS Securities [Member] | Reclassification Out of Accumulated Other Comprehensive Income [Member]
Amounts Reclassified from Accumulated Other Comprehensive Income (Loss) (AOCI) [Abstract]
Securities gains (losses)	1	0	2	4
Tax expense (benefit)	0	0	0	1
Net income	$ 1	$ 0	$ 2	$ 3