Independent Bank (IBCP) 10-Q 5 Nov 24 2024 Q3 Quarterly report Financial data

Cover Page

Cover Page - shares	9 Months Ended
	Sep. 30, 2024	Nov. 04, 2024
Cover [Abstract]
Document Type	10-Q
Document Period End Date	Sep. 30, 2024
Entity File Number	0-7818
Entity Registrant Name	INDEPENDENT BANK CORPORATION
Entity Incorporation, State or Country Code	MI
Entity Tax Identification Number	38-2032782
Entity Address, Address Line One	4200 East Beltline
Entity Address, City or Town	Grand Rapids
Entity Address, State or Province	MI
Entity Address, Postal Zip Code	49525
City Area Code	616
Local Phone Number	527-5820
Title of 12(b) Security	Common stock, no par value
Trading Symbol	IBCP
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 (in shares)		20,894,078
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2024
Entity Central Index Key	0000039311
Amendment Flag	false
Document Quarterly Report	true
Document Transition Report	false

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 61,503	$ 68,208
Interest bearing deposits	60,057	101,573
Cash and Cash Equivalents	121,560	169,781
Securities available for sale	588,950	679,350
Securities held to maturity	343,362	353,988
Federal Home Loan Bank and Federal Reserve Bank stock, at cost	16,099	16,821
Loans held for sale, carried at fair value	14,029	12,063
Loans
Financing receivable, before allowance for credit loss	3,942,287	3,790,901
Allowance for credit losses	(57,444)	(54,658)
Net Loans	3,884,843	3,736,243
Other real estate and repossessed assets, net	781	569
Property and equipment, net	35,250	35,523
Bank-owned life insurance	54,017	54,341
Capitalized mortgage loan servicing rights, carried at fair value	40,204	42,243
Other intangibles	1,617	2,004
Goodwill	28,300	28,300
Accrued income and other assets	130,256	132,500
Total Assets	5,259,268	5,263,726
Deposits
Non-interest bearing	1,023,739	1,076,093
Savings and interest-bearing checking	1,947,571	1,905,701
Reciprocal	995,469	832,020
Time	620,446	524,325
Brokered time	39,650	284,740
Total Deposits	4,626,875	4,622,879
Other borrowings	0	50,026
Subordinated debt	39,567	39,510
Subordinated debentures	39,779	39,728
Accrued expenses and other liabilities	100,678	107,134
Total Liabilities	4,806,899	4,859,277
Commitments and contingent liabilities
Shareholders’ Equity
Preferred stock, no par value, 200,000 shares authorized; none issued or outstanding	0	0
Common stock, no par value, 500,000,000 shares authorized; issued and outstanding: 20,893,800 shares at September 30, 2024 and 20,835,633 shares at December 31, 2023	318,216	317,483
Retained earnings	192,405	159,108
Accumulated other comprehensive loss	(58,252)	(72,142)
Total Shareholders’ Equity	452,369	404,449
Total Liabilities and Shareholders’ Equity	5,259,268	5,263,726
Commercial
Loans
Financing receivable, before allowance for credit loss	1,825,247	1,679,731
Allowance for credit losses	(20,162)	(16,724)
Mortgage
Loans
Financing receivable, before allowance for credit loss	1,511,400	1,485,872
Allowance for credit losses	(19,832)	(21,386)
Installment
Loans
Financing receivable, before allowance for credit loss	605,640	625,298
Allowance for credit losses	$ (4,544)	$ (4,126)

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Financial Condition (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets
Securities held-to-maturity, fair value	$ 314,638	$ 318,606
Shareholders’ Equity
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	200,000	200,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	500,000,000	500,000,000
Common stock, shares issued (in shares)	20,893,800	20,835,633
Common stock, shares outstanding (in shares)	20,893,800	20,835,633

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Operations - USD ($) $ 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	$ 58,410	$ 51,419	$ 170,239	$ 143,392
Interest on securities
Taxable	4,502	5,865	14,466	17,668
Tax-exempt	3,404	3,409	10,195	9,775
Other investments	2,018	1,739	4,898	3,481
Total Interest Income	68,334	62,432	199,798	174,316
Interest Expense
Deposits	24,462	20,743	70,148	51,964
Other borrowings and subordinated debt and debentures	2,018	2,262	6,253	6,134
Total Interest Expense	26,480	23,005	76,401	58,098
Net Interest Income	41,854	39,427	123,397	116,218
Provision for credit losses	1,488	1,350	2,251	6,827
Net Interest Income After Provision for Credit Losses	40,366	38,077	121,146	109,391
Non-interest Income
Interchange income	4,146	4,100	10,698	10,660
Service charges on deposit accounts	3,085	3,309	8,894	9,300
Net gains (losses) on assets
Mortgage loans	2,177	2,099	4,874	5,475
Equity securities at fair value	(8)	0	2,685	0
Securities available for sale	(145)	0	(414)	(222)
Mortgage loan servicing, net	(3,130)	2,668	1,686	7,068
Other	3,383	3,435	8,818	9,298
Total Non-interest Income	9,508	15,611	37,241	41,579
Non-interest Expense
Compensation and employee benefits	20,048	19,975	62,069	59,916
Data processing	3,379	3,071	9,891	8,953
Occupancy, net	1,893	1,971	5,853	5,975
Interchange expense	1,149	1,119	3,373	3,222
Furniture, fixtures and equipment	932	927	2,834	2,782
FDIC deposit insurance	664	677	2,141	2,209
Loan and collection	657	520	1,868	1,718
Advertising	581	360	1,860	1,286
Legal and professional	687	543	1,717	1,623
Communications	519	568	1,633	1,871
Costs (recoveries) related to unfunded lending commitments	113	451	(676)	76
Other	1,961	1,854	5,546	5,610
Total Non-interest Expense	32,583	32,036	98,109	95,241
Income Before Income Tax	17,291	21,652	60,278	55,729
Income tax expense	3,481	4,109	11,949	10,405
Net Income	$ 13,810	$ 17,543	$ 48,329	$ 45,324
Net Income Per Common Share
Basic (in dollars per share)	$ 0.66	$ 0.84	$ 2.31	$ 2.16
Diluted (in dollars per share)	$ 0.65	$ 0.83	$ 2.29	$ 2.14

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Statement of Comprehensive Income [Abstract]
Net income	$ 13,810	$ 17,543	$ 48,329	$ 45,324
Securities available for sale
Unrealized gains (losses) arising during period	11,822	(15,355)	13,618	(1,592)
Accretion of net unrealized losses on securities transferred to held to maturity	818	881	2,493	2,667
Reclassification adjustments for losses included in earnings	145	0	414	222
Unrealized gains (losses) recognized in other comprehensive income (loss) on securities available for sale	12,785	(14,474)	16,525	1,297
Income tax expense (benefit)	2,685	(3,040)	3,470	272
Unrealized gains (losses) recognized in other comprehensive income (loss) on securities available for sale, net of tax	10,100	(11,434)	13,055	1,025
Derivative instruments
Unrealized gains (losses) arising during period	2,744	(527)	52	(940)
Reclassification adjustment for expense recognized in earnings	390	72	1,005	224
Unrealized gains (losses) recognized in other comprehensive income (loss) on derivative instruments	3,134	(455)	1,057	(716)
Income tax expense (benefit)	658	(95)	222	(150)
Unrealized gains (losses) recognized in other comprehensive income (loss) on derivative instruments, net of tax	2,476	(360)	835	(566)
Other comprehensive income (loss)	12,576	(11,794)	13,890	459
Comprehensive income	$ 26,386	$ 5,749	$ 62,219	$ 45,783

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Statement of Cash Flows [Abstract]
Net income	$ 48,329	$ 45,324
Adjustments to Reconcile Net Income to Net Cash From Operating Activities
Proceeds from sales of equity securities at fair value	2,685	0
Proceeds from sales of loans held for sale	279,046	273,766
Disbursements for loans held for sale	(276,535)	(255,601)
Provision for credit losses	2,251	6,827
Deferred income tax expense (benefit)	(150)	821
Net deferred loan costs	149	285
Net depreciation, amortization of intangible assets and premiums and accretion of discounts on securities and loans	7,522	7,478
Net gains on mortgage loans	(4,874)	(5,475)
Net gains on equity securities at fair value	(2,685)	0
Net losses on securities available for sale	414	222
Share based compensation	1,744	1,670
Increase in accrued income and other assets	(2,437)	(14,642)
Decrease in accrued expenses and other liabilities	(8,677)	(1,887)
Total Adjustments	(1,547)	13,464
Net Cash From Operating Activities	46,782	58,788
Cash Flow Used in Investing Activities
Proceeds from the sale of securities available for sale	39,431	278
Proceeds from the sale of securities held to maturity previously charged off	1,125	0
Proceeds from maturities, prepayments and calls of securities available for sale	66,039	89,315
Proceeds from maturities, prepayments and calls of securities held to maturity	14,236	16,745
Purchases of securities held to maturity	(3,628)	(1,740)
Purchases of Federal Home Loan Bank stock	0	(478)
Proceeds from the redemption of Federal Home Loan Bank stock	722	1,310
Net increase in portfolio loans (loans originated, net of principal payments)	(163,731)	(311,733)
Proceeds from the sale of portfolio loans	14,807	51,481
Proceeds from bank-owned life insurance	889	905
Proceeds from the sale of other real estate and repossessed assets	822	598
Proceeds from the sale of property and equipment	299	1,632
Capital expenditures	(3,941)	(4,511)
Net Cash Used in Investing Activities	(32,930)	(156,198)
Cash Flow From (Used in) Financing Activities
Net increase in total deposits	3,996	206,543
Net decrease in other borrowings	(26)	(60,992)
Proceeds from Federal Home Loan Bank Advances	0	135,000
Payments of Federal Home Loan Bank Advances	(50,000)	(110,000)
Dividends paid	(15,032)	(14,535)
Proceeds from issuance of common stock	0	71
Repurchase of common stock	0	(4,963)
Share based compensation withholding obligation	(1,011)	(624)
Net Cash From (Used in) Financing Activities	(62,073)	150,500
Net Increase (Decrease) in Cash and Cash Equivalents	(48,221)	53,090
Cash and Cash Equivalents at Beginning of Period	169,781	74,371
Cash and Cash Equivalents at End of Period	121,560	127,461
Cash paid during the period for
Interest	78,720	53,936
Income taxes	11,400	11,300
Transfers to other real estate and repossessed assets	864	604
Right of use assets obtained in exchange for lease obligations	$ 2,354	$ 1,146

Condensed Consolidated Statem_6

Condensed Consolidated Statements of Shareholders' Equity - USD ($) $ in Thousands	Total	Common Stock	Retained Earnings	Accumulated Other Comprehensive Loss
Balances at beginning of period at Dec. 31, 2022	$ 347,596	$ 320,991	$ 119,368	$ (92,763)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	45,324		45,324
Cash dividends declared	(14,535)		(14,535)
Repurchase of common stock	(4,963)	(4,963)
Issuance of common stock	71	71
Share based compensation	1,670	1,670
Share based compensation withholding obligation	(624)	(624)
Other comprehensive income (loss)	459			459
Balances at end of period at Sep. 30, 2023	374,998	317,145	150,157	(92,304)
Balances at beginning of period at Jun. 30, 2023	375,162	318,241	137,431	(80,510)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	17,543		17,543
Cash dividends declared	(4,817)		(4,817)
Repurchase of common stock	(1,693)	(1,693)
Issuance of common stock	0
Share based compensation	624	624
Share based compensation withholding obligation	(27)	(27)
Other comprehensive income (loss)	(11,794)			(11,794)
Balances at end of period at Sep. 30, 2023	374,998	317,145	150,157	(92,304)
Balances at beginning of period at Dec. 31, 2023	404,449	317,483	159,108	(72,142)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	48,329		48,329
Cash dividends declared	(15,032)		(15,032)
Share based compensation	1,744	1,744
Share based compensation withholding obligation	(1,011)	(1,011)
Other comprehensive income (loss)	13,890			13,890
Balances at end of period at Sep. 30, 2024	452,369	318,216	192,405	(58,252)
Balances at beginning of period at Jun. 30, 2024	430,459	317,676	183,611	(70,828)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	13,810		13,810
Cash dividends declared	(5,016)		(5,016)
Share based compensation	574	574
Share based compensation withholding obligation	(34)	(34)
Other comprehensive income (loss)	12,576			12,576
Balances at end of period at Sep. 30, 2024	$ 452,369	$ 318,216	$ 192,405	$ (58,252)

Condensed Consolidated Statem_7

Condensed Consolidated Statements of Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Statement of Stockholders' Equity [Abstract]
Common stock, dividends declared (in dollars per share)	$ 0.24	$ 0.23	$ 0.72	$ 0.69
Repurchases of common stock (in shares)		88,401		288,401
Stock issued during period, new issues (in shares)		0		23,000
Share-based payment arrangement, shares issued, after forfeiture (in shares)	0	0	102,324	86,763
Share-based payment arrangement, shares withheld for tax withholding obligation (in shares)	1,036	1,443	40,986	31,483

Preparation of Financial Statem

Preparation of Financial Statements	9 Months Ended
	Sep. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Preparation of Financial Statements	Preparation of Financial Statements The condensed consolidated financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and note disclosures normally included in annual financial statements prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) have been condensed or omitted pursuant to those rules and regulations, although we believe that the disclosures made are adequate to make the information not misleading. The unaudited condensed consolidated financial statements should be read in conjunction with the audited consolidated financial statements and notes for the year ended December 31, 2023 included in our Annual Report on Form 10-K. In our opinion, the accompanying unaudited condensed consolidated financial statements contain all the adjustments necessary to present fairly our consolidated financial condition as of September 30, 2024 and December 31, 2023, and the results of operations for the three and nine-month periods ended September 30, 2024 and 2023. The results of operations for the three and nine-month periods ended September 30, 2024, are not necessarily indicative of the results to be expected for the full year. Certain reclassifications have been made in the prior period condensed consolidated financial statements to conform to the current period presentation. Our critical accounting policies include the determination of the allowance for credit losses (“ACL”) and the valuation of capitalized mortgage loan servicing rights. Refer to our 2023 Annual Report on Form 10-K for a disclosure of our accounting policies.

New Accounting Standards

New Accounting Standards	9 Months Ended
	Sep. 30, 2024
Accounting Standards Update and Change in Accounting Principle [Abstract]
New Accounting Standards	New Accounting Standards In March 2020, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2020-04, ‘‘Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting’’ and in December 2022 the FASB issued ASU 2022-06, "Reference Rate Reform (Topic 848), Deferral of the Sunset Date of Topic 848". These new ASUs provide temporary optional expedients and exceptions to GAAP guidance on contract modifications and hedge accounting to ease the financial reporting burdens of the expected market transition from LIBOR and other interbank offered rates to alternative reference rates. Entities can elect not to apply certain modification accounting requirements to contracts affected by reference rate reform, if certain criteria are met. Entities that make such elections would not have to remeasure contracts at the modification date or reassess a previous accounting determination. Entities can elect various optional expedients that would allow them to continue applying hedge accounting for hedging relationships affected by reference rate reform, if certain criteria are met. We had formed a cross-functional project team to lead the transition from LIBOR to a planned adoption of reference rates which included Secured Overnight Financing Rate (“SOFR”). We utilized the timeline guidance published by the Alternative Reference Rates Committee to develop and achieve internal milestones during the transitional period. We discontinued the use of new LIBOR-based loans as of December 31, 2021, according to regulatory guidelines. We also discontinued the use of new LIBOR based interest rate derivatives as of December 31, 2021. The amended guidance under Topic 848 and our ability to elect its temporary optional expedients and exceptions are effective for us through December 31, 2024. In March, 2023, the FASB issued ASU 2023-02, "Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method (a consensus of the Emerging Issues Task Force)". This ASU expands the use of the proportional amortization method of accounting — currently allowed only for investments in low-income housing tax credit ("LIHTC") structures — to equity investments in other tax credit structures that meet certain criteria. Common tax credit programs that investors access via tax equity structures and that may now be eligible for application of the proportional amortization method include: new markets tax credits, historic rehabilitation tax credit programs, and renewable energy tax credit programs. This ASU takes effect in reporting periods beginning after December 15, 2023, with early adoption permitted. The adoption of this ASU on January 1, 2024, did not have a material impact on our Condensed Consolidated Financial Statements. In November, 2023, the FASB issued ASU 2023-07, "Segment Reporting (Topic 323): Improvements to Reportable Segment Disclosures". This ASU enhances disclosures of significant segment expenses by requiring entities to disclose significant segment expenses regularly provided to the chief operating decision maker, extend certain annual disclosures to interim periods, and permit more than one measure of segment profit or loss to be reported under certain conditions. This ASU takes effect for annual reporting periods beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. We do not expect the adoption of this ASU to have a material impact on our Condensed Consolidated Financial Statements. In December, 2023, the FASB issued ASU 2023-09, "Income Taxes (Topic 740): Improvements to Income Tax Disclosures". This ASU modifies the rules on income tax disclosures to require entities to disclose (1) specific categories in the rate reconciliation, (2) the income or loss from continuing operations before income tax expense or benefit (separated between domestic and foreign) and (3) income tax expense or benefit from continuing operations (separated by federal, state and foreign). This ASU also requires entities to disclose their income tax payments to international, federal, state and local jurisdictions, among other changes. This ASU takes effect in reporting periods beginning after December 15, 2024, with early adoption permitted. We do not expect the adoption of this ASU to have a material impact on our Condensed

Securities

Securities	9 Months Ended
	Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Securities	Securities Securities available for sale (“AFS”) consist of the following: Amortized Unrealized Gains Losses Fair Value (In thousands) September 30, 2024 U.S. agency $ 9,046 $ 3 $ 511 $ 8,538 U.S. agency residential mortgage-backed 83,116 66 7,091 76,091 U.S. agency commercial mortgage-backed 13,153 — 1,080 12,073 Private label mortgage-backed 80,409 261 4,067 76,603 Other asset backed 44,325 16 577 43,764 Obligations of states and political subdivisions 334,368 12 34,312 300,068 Corporate 74,216 1 3,360 70,857 Trust preferred 985 — 29 956 Total $ 639,618 $ 359 $ 51,027 $ 588,950 December 31, 2023 U.S. agency $ 10,299 $ 5 $ 797 $ 9,507 U.S. agency residential mortgage-backed 90,195 3 8,981 81,217 U.S. agency commercial mortgage-backed 13,706 — 1,409 12,297 Private label mortgage-backed 93,527 249 7,307 86,469 Other asset backed 114,867 3 1,939 112,931 Obligations of states and political subdivisions 341,177 204 38,644 302,737 Corporate 79,296 — 6,046 73,250 Trust preferred 983 — 41 942 Total $ 744,050 $ 464 $ 65,164 $ 679,350 Securities held to maturity (“HTM”) consist of the following: Carrying Transferred ACL Amortized Unrealized Fair Value Gains Losses (In thousands) September 30, 2024 U.S. agency $ 24,863 $ 1,472 $ — $ 26,335 $ — $ 4,007 $ 22,328 U.S. agency residential mortgage-backed 102,733 8,933 — 111,666 — 20,019 91,647 U.S. agency commercial mortgage-backed 4,045 118 — 4,163 — 328 3,835 Private label mortgage-backed 7,344 218 1 7,563 — 557 7,006 Obligations of states and political subdivisions 157,525 5,653 17 163,195 129 15,895 147,429 Corporate 45,900 572 111 46,583 — 5,190 41,393 Trust preferred 952 44 4 1,000 — — 1,000 Total $ 343,362 $ 17,010 $ 133 $ 360,505 $ 129 $ 45,996 $ 314,638 December 31, 2023 U.S. agency $ 25,768 $ 1,603 $ — $ 27,371 $ — $ 4,892 $ 22,479 U.S. agency residential mortgage-backed 108,770 9,715 — 118,485 — 23,849 94,636 U.S. agency commercial mortgage-backed 4,146 153 — 4,299 — 460 3,839 Private label mortgage-backed 7,302 302 4 7,608 — 854 6,754 Obligations of states and political subdivisions 161,352 6,879 33 168,264 88 18,807 149,545 Corporate 45,702 803 116 46,621 780 7,033 40,368 Trust preferred 948 48 4 1,000 — 15 985 Total $ 353,988 $ 19,503 $ 157 $ 373,648 $ 868 $ 55,910 $ 318,606 (1) Represents the remaining unrealized loss to be accreted on securities that were transferred from AFS to HTM on April 1, 2022. Our investments' gross unrealized losses and fair values for securities AFS aggregated by investment type and length of time that individual securities have been at a continuous unrealized loss position follows: Less Than Twelve Months Twelve Months or More Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized (In thousands) September 30, 2024 U.S. agency $ 126 $ — $ 7,839 $ 511 $ 7,965 $ 511 U.S. agency residential mortgage-backed 44 — 65,654 7,091 65,698 7,091 U.S. agency commercial mortgage-backed — — 12,073 1,080 12,073 1,080 Private label mortgage-backed 933 1 74,478 4,066 75,411 4,067 Other asset backed 1,508 2 32,939 575 34,447 577 Obligations of states and political subdivisions — — 300,068 34,312 300,068 34,312 Corporate — — 69,360 3,360 69,360 3,360 Trust preferred — — 956 29 956 29 Total $ 2,611 $ 3 $ 563,367 $ 51,024 $ 565,978 $ 51,027 December 31, 2023 U.S. agency $ 130 $ — $ 8,453 $ 797 $ 8,583 $ 797 U.S. agency residential mortgage-backed 358 1 80,008 8,980 80,366 8,981 U.S. agency commercial mortgage-backed — — 12,297 1,409 12,297 1,409 Private label mortgage-backed 6,285 356 79,507 6,951 85,792 7,307 Other asset backed 7,714 88 97,203 1,851 104,917 1,939 Obligations of states and political subdivisions — — 301,038 38,644 301,038 38,644 Corporate — — 73,249 6,046 73,249 6,046 Trust preferred — — 942 41 942 41 Total $ 14,487 $ 445 $ 652,697 $ 64,719 $ 667,184 $ 65,164 Securities AFS in unrealized loss positions are evaluated quarterly for impairment related to credit losses. For securities AFS in an unrealized loss position, we first assess whether we intend to sell, or it is more likely than not that we will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For securities AFS that do not meet this criteria, we evaluate whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, we consider the extent to which fair value is less than amortized cost, adverse conditions specifically related to the security and the issuer and the impact of changes in market interest rates on the market value of the security, among other factors. If this assessment indicates that a credit loss exists, we compare the present value of cash flows expected to be collected from the security with the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis for the security, a credit loss exists and an ACL is recorded, limited to the amount that the fair value of the security is less than its amortized cost basis. Any impairment that has not been recorded through an ACL is recognized in other comprehensive income (loss), net of applicable taxes. No ACL for securities AFS was needed at September 30, 2024 and December 31, 2023. Accrued interest receivable on securities AFS totaled $3.5 million and $4.6 million at September 30, 2024 and December 31, 2023, respectively, and is excluded from the estimate of credit losses and is included in accrued income and other assets in the Condensed Consolidated Statements of Financial Condition. U.S. agency, U.S. agency residential mortgage-backed and U.S. agency commercial mortgage-backed securities — at September 30, 2024, we had 27 U.S. agency, 107 U.S. agency residential mortgage-backed and 10 U.S. agency commercial mortgage-backed securities whose fair value is less than amortized cost. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major credit rating agencies, and have a long history of no credit losses. The unrealized losses are largely attributed to widening spreads to Treasury bonds and/or an increase in interest rates since acquisition. Private label mortgage backed, other asset backed and corporate securities — at September 30, 2024, we had 76 private label mortgage backed, 53 other asset backed, and 71 corporate securities whose fair value is less than amortized cost. The unrealized losses are primarily due to credit spread widening and/or an increase in interest rates since acquisition. Obligations of states and political subdivisions — at September 30, 2024, we had 312 municipal securities whose fair value is less than amortized cost. The unrealized losses are primarily due to an increase in interest rates since acquisition. Trust preferred securities — at September 30, 2024, we had one trust preferred security whose fair value is less than amortized cost. This trust preferred security is a single issue security issued by a trust subsidiary of a bank holding company. The pricing of trust preferred securities has suffered from credit spread widening. This security is rated by a major rating agency as investment grade. At September 30, 2024 management does not intend to liquidate any of the securities discussed above and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses. We recorded no credit related charges in our Condensed Consolidated Statements of Operations related to securities AFS during the three and nine month periods ended September 30, 2024 and 2023, respectively. The ACL on securities HTM is a contra asset valuation account that is deducted from the carrying amount of securities HTM to present the net amount expected to be collected. Securities HTM are charged off against the ACL when deemed uncollectible. Adjustments to the ACL are reported in our Condensed Consolidated Statements of Operations in provision for credit losses. We measure expected credit losses on securities HTM on a collective basis by major security type with each type sharing similar risk characteristics, and we consider historical credit loss information. Accrued interest receivable on securities HTM totaled $1.8 million and $1.8 million at September 30, 2024 and December 31, 2023, respectively and is excluded from the estimate of credit losses and is included in accrued income and other assets in the Condensed Consolidated Statements of Financial Condition. With regard to U.S. Government-sponsored agency and mortgage-backed securities (residential and commercial), all these securities are issued by a U.S. government-sponsored entity and have an implicit or explicit government guarantee; therefore, no allowance for credit losses has been recorded for these securities. With regard to obligations of states and political subdivisions, private label-mortgage-backed, corporate and trust preferred securities HTM, we consider (1) issuer bond ratings, (2) long-term historical loss rates for given bond ratings, (3) the financial condition of the issuer, and (4) whether issuers continue to make timely principal and interest payments under the contractual terms of the securities. Historical loss rates associated with securities having similar grades as those in our portfolio have been insignificant. During the first quarter of 2023, one corporate security (Signature Bank) defaulted resulting in a $3.0 million provision for credit losses and a corresponding full charge-off. Subsequent to this security's charge-off, a portion of its fair value had recovered and was subsequently sold during the first quarter of 2024 for $1.1 million during which period we recorded that amount as a recovery to the ACL. Despite this lone security loss, the long-term historical loss rates associated with securities having similar grades as those in our portfolio have been insignificant. Furthermore, as of September 30, 2024 and December 31, 2023, there were no past due principal and interest payments associated with these securities. At those same dates an allowance for credit losses of $133,000 and $157,000, respectively was recorded on non U.S. agency securities HTM based on applying the long-term historical cred it loss rate, as published by credit rating agencies, for similarly rated securities. On a quarterly basis, we monitor the credit quality of securities HTM through the use of credit ratings. The carrying value of securities HTM aggregated by credit quality follow: Private Obligations Corporate Trust Carrying (In thousands) September 30, 2024 Credit rating: AAA $ 7,344 $ 35,378 $ — $ — $ 42,722 AA — 103,090 — — 103,090 A — 3,468 5,007 — 8,475 BBB — 655 35,991 — 36,646 BB — — 1,958 — 1,958 Non-rated — 14,934 2,944 952 18,830 Total $ 7,344 $ 157,525 $ 45,900 $ 952 $ 211,721 December 31, 2023 Credit rating: AAA $ 7,302 $ 36,629 $ — $ — $ 43,931 AA — 102,583 — — 102,583 A — 3,172 6,923 — 10,095 BBB — 856 33,913 — 34,769 BB — — 1,943 — 1,943 Non-rated — 18,112 2,923 948 21,983 Total $ 7,302 $ 161,352 $ 45,702 $ 948 $ 215,304 An analysis of the allowance for credit losses by security HTM type for the three months ended September 30 follows: Private Obligations Corporate Trust Total (In thousands) 2024 Balance at beginning of period $ 4 $ 31 $ 116 $ 4 $ 155 Additions (deductions) Provision for credit losses (3) (14) (5) — (22) Recoveries credited to the allowance — — — — — Securities HTM charged against the allowance — — — — — Balance at end of period $ 1 $ 17 $ 111 $ 4 $ 133 2023 Balance at beginning of period $ 1 $ 39 $ 116 $ 4 $ 160 Additions (deductions) Provision for credit losses 3 (6) (2) — (5) Recoveries credited to the allowance — — — — — Securities HTM charged against the allowance — — — — — Balance at end of period $ 4 $ 33 $ 114 $ 4 $ 155 An analysis of the allowance for credit losses by security HTM type for the nine months ended September 30 follows: Private Obligations Corporate Trust Total (In thousands) 2024 Balance at beginning of period $ 4 $ 33 $ 116 $ 4 $ 157 Additions (deductions) Provision for credit losses (3) (16) (1,130) — (1,149) Recoveries credited to the allowance — — 1,125 — 1,125 Securities HTM charged against the allowance — — — — — Balance at end of period $ 1 $ 17 $ 111 $ 4 $ 133 2023 Balance at beginning of period $ 1 $ 39 $ 123 $ 5 $ 168 Additions (deductions) Provision for credit losses 3 (6) 2,991 (1) 2,987 Recoveries credited to the allowance — — — — — Securities HTM charged against the allowance — — (3,000) — (3,000) Balance at end of period $ 4 $ 33 $ 114 $ 4 $ 155 The amortized cost and fair value of securities AFS and securities HTM at September 30, 2024, by contractual maturity, follow: Securities AFS Securities HTM Amortized Fair Amortized Fair (In thousands) Maturing within one year $ 21,647 $ 21,262 $ 7,457 $ 7,410 Maturing after one year but within five years 148,875 140,013 55,599 52,401 Maturing after five years but within ten years 45,741 41,401 94,300 82,813 Maturing after ten years 202,352 177,743 79,757 69,526 418,615 380,419 237,113 212,150 U.S. agency residential mortgage-backed 83,116 76,091 111,666 91,647 U.S. agency commercial mortgage-backed 13,153 12,073 4,163 3,835 Private label mortgage-backed 80,409 76,603 7,563 7,006 Other asset backed 44,325 43,764 — — Total $ 639,618 $ 588,950 $ 360,505 $ 314,638 The actual maturity may differ from the contractual maturity because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Gains and losses realized on the sale of securities AFS are determined using the specific identification method and are recognized on a trade-date basis. A summary of proceeds from the sale of securities AFS and gains and losses for the nine month periods ending September 30, follows: Realized Proceeds Gains Losses (In thousands) 2024 $ 39,431 $ 14 $ 428 2023 278 — 222 During the second quarter of 2024 we acquired certain securities classified as equity securities at fair value consisting of Visa Inc. Class C common stock. These securities were all sold during the second and third quarters of 2024. During the three and nine months ended September 30, 2024, we recognized gains (losses) on these equity securities of $(0.01) million and $2.7 million, respectively that are included in net gains (losses) on equity securities at fair value in the Condensed Consolidated Statements of Operations. We had no equity securities at fair value during the same periods in 2023. See note #13.

Loans

Loans	9 Months Ended
	Sep. 30, 2024
Receivables [Abstract]
Loans	Loans We estimate the ACL based on relevant available information from both internal and external sources, including historical loss trends, current conditions and forecasts, specific analysis of individual loans, and other relevant and appropriate factors. The allowance process is designed to provide for expected future losses based on our reasonable and supportable (“R&S”) forecast as of the reporting date. Our ACL process is administered by our Risk Management group utilizing a third party software solution, with significant input and ultimate approval from our Executive Enterprise Risk Committee. Further, we have established a current expected credit loss ("CECL") Forecast Committee, which includes a cross discipline structure with membership from Executive Management, Risk Management, Credit Administration and Accounting, which approves ACL model assumptions each quarter. Our ACL is comprised of three principal elements: (i) specific analysis of individual loans identified during the review of the loan portfolio, (ii) pooled analysis of loans with similar risk characteristics based on historical experience, adjusted for current conditions, R&S forecasts, and expected prepayments, and (iii) additional allowances based on subjective factors, including local and general economic business factors and trends, portfolio concentrations and changes in the size and/or the general terms of the loan portfolio. The first ACL element (specific allocations) includes loans that do not share similar risk characteristics and are evaluated on an individual basis. We will typically evaluate on an individual basis loans that are on nonaccrual; commercial loans that have been modified resulting in a concession, for which the borrower is experiencing financial difficulties, and which are considered troubled loan modifications or with well defined weaknesses; and severely delinquent mortgage and installment loans. When we determine that foreclosure is probable or when repayment is expected to be provided substantially through the operation or sale of underlying collateral, expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for estimated selling costs. For loans evaluated on an individual basis that are not determined to be collateral dependent, a discounted cash flow analysis is performed to determine expected credit losses. The second ACL element (pooled analysis) includes loans with similar risk characteristics, which are broken down by segment, class, and risk metric. The Bank’s primary segments of commercial, mortgage, and installment loans are further classified by other relevant attributes, such as collateral type, lien position, occupancy status, amortization method, and balance size. Commercial classes are additionally segmented by risk rating, and mortgage and installment loan classes by credit score tier, which are updated at least semi-annually. We utilize a discounted cash flow (“DCF”) model to estimate expected future losses for pooled loans. Expected future cash flows are developed from payment schedules over the contractual term, adjusted for forecasted default (probability of default), loss, and prepayment assumptions. We are not required to develop forecasts over the full contractual term of the financial asset or group of financial assets. Rather, for periods beyond which we are able to make or obtain R&S forecasts of expected credit losses, we revert to the long term average on a straight line or immediate basis, as determined by our CECL Forecast Committee, and which may vary depending on the economic outlook and uncertainty. The DCF model for the mortgage and installment pooled loan segments includes using probability of default (“PD”) assumptions that are derived through regression analysis with forecasted US unemployment levels by credit score tier. We review a composite forecast of approximately 50 analysts as well as the Federal Open Market Committee (“FOMC”) projections in setting the unemployment forecast for the R&S period. The current ACL utilizes a one year R&S forecast followed by immediate reversion to the 75 year average unemployment rate. PD assumptions for the remaining segments are based primarily on historical rates by risk metric as defaults were not strongly correlated with any economic indicator. Loss given default (“LGD”) assumptions for the mortgage loan segment are based on a two year forecast followed by a two year straight line reversion period to the longer term average, while LGD rates for the remaining segments are the historical average for the entire period. Prepayment assumptions represent average rates per segment for a period determined by the CECL Forecast Committee and as calculated through the Bank’s Asset and Liability Management program. Pooled reserves for the commercial loan segment are calculated using the DCF model with assumptions generally based on historical averages by class and risk rating. Effective risk rating practices allow for strong predictability of defaults and losses over the portfolio’s expected shorter duration, relative to mortgage and installment loans. Our rating system is similar to those employed by state and federal banking regulators. The third ACL element (additional allocations based on subjective factors) is based on factors that cannot be associated with a specific credit or loan category and reflects our attempt to ensure that the overall ACL appropriately reflects a margin for the imprecision necessarily inherent in the estimates of expected credit losses. We adjust our quantitative model for certain qualitative factors to reflect the extent to which management expects current conditions and R&S forecasts to differ from the conditions that existed for the period over which historical information was evaluated. The qualitative framework reflects changes related to relevant data, such as changes in asset quality trends, portfolio growth and composition, national and local economic factors, credit policy and administration and other factors not considered in the base quantitative model. We utilize a survey completed by business unit management throughout the Bank, as well as discussion with the CECL Forecast Committee to establish reserves under the qualitative framework. An analysis of the allowance for credit losses by portfolio segment for the three months ended September 30, follows: Commercial Mortgage Installment Subjective Total (In thousands) 2024 Balance at beginning of period $ 18,979 $ 20,731 $ 3,901 $ 12,630 $ 56,241 Additions (deductions) Provision for credit losses 1,082 (1,004) 1,156 276 1,510 Recoveries credited to the allowance 101 131 479 — 711 Loans charged against the allowance — (26) (992) — (1,018) Balance at end of period $ 20,162 $ 19,832 $ 4,544 $ 12,906 $ 57,444 2023 Balance at beginning of period $ 16,284 $ 20,080 $ 4,315 $ 13,285 $ 53,964 Additions (deductions) Provision for credit losses 1,112 (170) (42) 455 1,355 Recoveries credited to the allowance 178 112 467 — 757 Loans charged against the allowance (24) — (557) — (581) Balance at end of period $ 17,550 $ 20,022 $ 4,183 $ 13,740 $ 55,495 An analysis of the ACL by portfolio segment for the nine months ended September 30, follows: Commercial Mortgage Installment Subjective Total (In thousands) 2024 Balance at beginning of period $ 16,724 $ 21,386 $ 4,126 $ 12,422 $ 54,658 Additions (deductions) Provision for credit losses 3,199 (1,524) 1,241 484 3,400 Recoveries credited to the allowance 239 270 1,597 — 2,106 Loans charged against the allowance — (300) (2,420) — (2,720) Balance at end of period $ 20,162 $ 19,832 $ 4,544 $ 12,906 $ 57,444 2023 Balance at beginning of period $ 13,817 $ 21,633 $ 4,290 $ 12,695 $ 52,435 Additions (deductions) Provision for credit losses 4,350 (1,835) 280 1,045 3,840 Recoveries credited to the allowance 436 255 1,391 — 2,082 Loans charged against the allowance (1,053) (31) (1,778) — (2,862) Balance at end of period $ 17,550 $ 20,022 $ 4,183 $ 13,740 $ 55,495 Loans on non-accrual status and past due more than 90 days (“Non-performing Loans”) follow: Non- Non- Total 90+ and Total Non- (In thousands) September 30, 2024 Commercial Commercial and industrial (1) $ — $ 50 $ 50 $ — $ 50 Commercial real estate — — — — — Mortgage 1-4 family owner occupied - jumbo 762 — 762 — 762 1-4 family owner occupied - non-jumbo (2) 2,417 394 2,811 — 2,811 1-4 family non-owner occupied — 197 197 — 197 1-4 family - 2nd lien — 519 519 — 519 Resort lending — 143 143 — 143 Installment Boat lending — 149 149 — 149 Recreational vehicle lending — 400 400 — 400 Other — 117 117 — 117 Total $ 3,179 $ 1,969 $ 5,148 $ — $ 5,148 Accrued interest excluded from total $ — $ — $ — $ — $ — December 31, 2023 Commercial Commercial and industrial (1) $ — $ 7 $ 7 $ — $ 7 Commercial real estate — — — — — Mortgage 1-4 family owner occupied - jumbo 544 — 544 — 544 1-4 family owner occupied - non-jumbo (2) 575 1,655 2,230 432 2,662 1-4 family non-owner occupied — 282 282 — 282 1-4 family - 2nd lien — 624 624 — 624 Resort lending — 143 143 — 143 Installment Boat lending — 352 352 — 352 Recreational vehicle lending — 419 419 — 419 Other — 199 199 — 199 Total $ 1,119 $ 3,681 $ 4,800 $ 432 $ 5,232 Accrued interest excluded from total $ — $ — $ — $ — $ — (1) Non-performing commercial and industrial loans exclude $0.009 million and $0.021 million of government guaranteed loans at September 30, 2024 and December 31, 2023, respectively. (2) Non-performing 1-4 family owner occupied – non jumbo loans exclude $2.093 million and $2.170 million of government guaranteed loans at September 30, 2024 and December 31, 2023, respectively. The following table provides collateral information by class of loan for collateral-dependent loans with a specific reserve. A loan is considered to be collateral dependent when the borrower is experiencing financial difficulty and the repayment is expected to be provided substantially through the operation or sale of collateral. The amortized cost of collateral-dependent loans by class follows: Collateral Type Allowance Real Other (In thousands) September 30, 2024 Commercial Commercial and industrial $ 693 $ 5,321 $ 1,758 Commercial real estate 827 — 6 Mortgage 1-4 family owner occupied - jumbo 762 — — 1-4 family owner occupied - non-jumbo 3,443 — 365 1-4 family non-owner occupied 87 — 31 1-4 family - 2nd lien 257 — 91 Resort lending 143 — 51 Installment Boat lending — 89 32 Recreational vehicle lending — 271 96 Other — 65 23 Total $ 6,212 $ 5,746 $ 2,453 Accrued interest excluded from total $ 6 $ 37 December 31, 2023 Commercial Commercial and industrial $ 565 $ 232 $ 224 Commercial real estate — — — Mortgage 1-4 family owner occupied - jumbo 544 — — 1-4 family owner occupied - non-jumbo 2,243 — 504 1-4 family non-owner occupied 211 — 178 1-4 family - 2nd lien 244 — 87 Resort lending 143 — 51 Installment Boat lending — 297 105 Recreational vehicle lending — 303 107 Other — 102 36 Total $ 3,950 $ 934 $ 1,292 Accrued interest excluded from total $ 1 $ — An aging analysis of loans by class follows: Loans Past Due Loans not Total 30-59 days 60-89 days 90+ days Total (In thousands) September 30, 2024 Commercial Commercial and industrial $ 44 $ — $ 59 $ 103 $ 954,649 $ 954,752 Commercial real estate — — — — 870,495 870,495 Mortgage 1-4 family owner occupied - jumbo 718 — 762 1,480 870,387 871,867 1-4 family owner occupied - non-jumbo 1,506 2,074 1,784 5,364 300,130 305,494 1-4 family non-owner occupied 74 — 87 161 172,533 172,694 1-4 family - 2nd lien 281 529 187 997 128,206 129,203 Resort lending 41 — 143 184 31,958 32,142 Installment Boat lending 215 109 89 413 271,233 271,646 Recreational vehicle lending 688 121 271 1,080 231,987 233,067 Other 245 119 59 423 100,504 100,927 Total $ 3,812 $ 2,952 $ 3,441 $ 10,205 $ 3,932,082 $ 3,942,287 Accrued interest excluded from total $ 40 $ 33 $ — $ 73 $ 13,263 $ 13,336 December 31, 2023 Commercial Commercial and industrial $ — $ — $ 28 $ 28 $ 810,117 $ 810,145 Commercial real estate — — — — 869,586 869,586 Mortgage 1-4 family owner occupied - jumbo — — 544 544 858,692 859,236 1-4 family owner occupied - non-jumbo 1,763 742 1,431 3,936 297,236 301,172 1-4 family non-owner occupied 215 64 158 437 173,379 173,816 1-4 family - 2nd lien 241 139 215 595 115,437 116,032 Resort lending — 50 143 193 35,423 35,616 Installment Boat lending 320 16 261 597 268,051 268,648 Recreational vehicle lending 414 35 280 729 251,123 251,852 Other 313 86 54 453 104,345 104,798 Total $ 3,266 $ 1,132 $ 3,114 $ 7,512 $ 3,783,389 $ 3,790,901 Accrued interest excluded from total $ 31 $ 17 $ — $ 48 $ 12,452 $ 12,500 During the three months ended September 30, 2024 there was one mortgage - 1-4 family owner occupied - non-jumbo loan modified as troubled loan modification totaling $0.08 million (0.1% of the total loan class). The troubled loan modification during the three months ended September 30, 2024 was due to a term extension that added 2.1 years to the life of the loan. During the nine months ended September 30, 2024 there were five mortgage - 1-4 family owner occupied - non-jumbo loans, one mortgage 1-4 family - 2nd lien loan, and one installment - other loan modified as troubled loan modifications totaling $0.51 million (0.1% of the total loan class), $0.07 million (0.1% of the total loan class), and $0.01 million (0.1% of the total loan class), respectively. All of the troubled loan modifications during the nine months ended September 30, 2024 related to term extensions and added a weighted average 4.9 years to the life of the loans. One of the mortgage - 1-4 family owner occupied - non-jumbo loans modified during the nine months ended September 30, 2024 received a 3.625% interest rate reduction. Of the loans modified during the nine months ended September 30, 2024, four are on non-accrual status totaling $0.4 million. During the three and nine months ended September 30, 2023, there were no troubled loan modifications or subsequent defaults. A loan is generally considered to be in payment default once it is 90 days contractually past due under the modified terms for commercial loans and installment loans and when four consecutive payments are missed for mortgage loans. In order to determine whether a borrower is experiencing financial difficulty, we perform an evaluation of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under our internal underwriting policy. Credit Quality Indicators – As part of our on-going monitoring of the credit quality of our loan portfolios, we track certain credit quality indicators including (a) risk grade of commercial loans, (b) the level of classified commercial loans, (c) credit scores of mortgage and installment loan borrowers, and (d) delinquency history and non-performing loans. For commercial loans, we use a loan rating system that is similar to those employed by state and federal banking regulators. Loans are graded on a scale of 1 to 12. A description of the general characteristics of the ratings follows: Rating 1 through 6 : These loans are generally referred to as our “non-watch” commercial credits that include very high or exceptional credit fundamentals through acceptable credit fundamentals. Rating 7 and 8 : These loans are generally referred to as our “watch” commercial credits. These ratings include loans to borrowers that exhibit potential credit weakness or downward trends. If not checked or cured these trends could weaken our asset or credit position. While potentially weak, no loss of principal or interest is envisioned with these ratings. Rating 9 : These loans are generally referred to as our “substandard accruing” commercial credits. This rating includes loans to borrowers that exhibit a well-defined weakness where payment default is probable and loss is possible if deficiencies are not corrected. Generally, loans with this rating are considered collectible as to both principal and interest primarily due to collateral coverage. Rating 10 and 11 : These loans are generally referred to as our ‘‘substandard - non-accrual’’ and ‘‘doubtful’’ commercial credits. These ratings include loans to borrowers with weaknesses that make collection of the loan in full, on the basis of current facts, conditions and values at best questionable and at worst improbable. All of these loans are placed in non-accrual. Rating 12 : These loans are generally referred to as our “loss” commercial credits. This rating includes loans to borrowers that are deemed incapable of repayment and are charged-off. The following tables summarize loan ratings by loan class for our commercial portfolio loan segment at September 30, 2024 and December 31, 2023: Commercial Term Loans Amortized Cost Basis by Origination Year Revolving Total 2024 2023 2022 2021 2020 Prior (In thousands) September 30, 2024 Commercial and industrial Non-watch (1-6) $ 112,067 $ 141,661 $ 143,097 $ 80,758 $ 80,824 $ 112,391 $ 245,614 $ 916,412 Watch (7-8) 10,234 2,195 3,623 2,846 3,112 1,262 9,055 32,327 Substandard Accrual (9) 2,385 — — 530 281 — 2,758 5,954 Non-Accrual (10-11) — — — 47 — 12 — 59 Total $ 124,686 $ 143,856 $ 146,720 $ 84,181 $ 84,217 $ 113,665 $ 257,427 $ 954,752 Accrued interest excluded from total $ 441 $ 500 $ 394 $ 206 $ 367 $ 352 $ 1,181 $ 3,441 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate Non-watch (1-6) $ 75,873 $ 233,643 $ 168,095 $ 79,711 $ 51,776 $ 176,405 $ 63,117 $ 848,620 Watch (7-8) — — — — — 4,461 16,587 21,048 Substandard Accrual (9) — — — 137 — 690 — 827 Non-Accrual (10-11) — — — — — — — — Total $ 75,873 $ 233,643 $ 168,095 $ 79,848 $ 51,776 $ 181,556 $ 79,704 $ 870,495 Accrued interest excluded from total $ 248 $ 692 $ 625 $ 197 $ 131 $ 638 $ 326 $ 2,857 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Commercial Non-watch (1-6) $ 187,940 $ 375,304 $ 311,192 $ 160,469 $ 132,600 $ 288,796 $ 308,731 $ 1,765,032 Watch (7-8) 10,234 2,195 3,623 2,846 3,112 5,723 25,642 53,375 Substandard Accrual (9) 2,385 — — 667 281 690 2,758 6,781 Non-Accrual (10-11) — — — 47 — 12 — 59 Total $ 200,559 $ 377,499 $ 314,815 $ 164,029 $ 135,993 $ 295,221 $ 337,131 $ 1,825,247 Accrued interest excluded from total $ 689 $ 1,192 $ 1,019 $ 403 $ 498 $ 990 $ 1,507 $ 6,298 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Term Loans Amortized Cost Basis by Origination Year Revolving Total 2023 2022 2021 2020 2019 Prior (In thousands) December 31, 2023 Commercial and industrial Non-watch (1-6) $ 110,472 $ 152,715 $ 70,081 $ 47,644 $ 42,576 $ 97,960 $ 260,634 $ 782,082 Watch (7-8) 96 5,239 964 2,580 4,173 2,277 11,938 27,267 Substandard Accrual (9) — — 547 — 21 4 196 768 Non-Accrual (10-11) — — — — — 28 — 28 Total $ 110,568 $ 157,954 $ 71,592 $ 50,224 $ 46,770 $ 100,269 $ 272,768 $ 810,145 Accrued interest excluded from total $ 239 $ 438 $ 132 $ 128 $ 120 $ 326 $ 1,327 $ 2,710 Current period gross charge-offs $ — $ — $ — $ — $ — $ 69 $ 25 $ 94 Commercial real estate Non-watch (1-6) $ 202,576 $ 169,230 $ 131,428 $ 29,684 $ 78,706 $ 176,265 $ 73,852 $ 861,741 Watch (7-8) — — — — 2,322 5,523 — 7,845 Substandard Accrual (9) — — — — — — — — Non-Accrual (10-11) — — — — — — — — Total $ 202,576 $ 169,230 $ 131,428 $ 29,684 $ 81,028 $ 181,788 $ 73,852 $ 869,586 Accrued interest excluded from total $ 548 $ 685 $ 431 $ 73 $ 347 $ 661 $ 288 $ 3,033 Current period gross charge-offs $ — $ — $ — $ — $ 960 $ — $ — $ 960 Total Commercial Non-watch (1-6) $ 313,048 $ 321,945 $ 201,509 $ 77,328 $ 121,282 $ 274,225 $ 334,486 $ 1,643,823 Watch (7-8) 96 5,239 964 2,580 6,495 7,800 11,938 35,112 Substandard Accrual (9) — — 547 — 21 4 196 768 Non-Accrual (10-11) — — — — — 28 — 28 Total $ 313,144 $ 327,184 $ 203,020 $ 79,908 $ 127,798 $ 282,057 $ 346,620 $ 1,679,731 Accrued interest excluded from total $ 787 $ 1,123 $ 563 $ 201 $ 467 $ 987 $ 1,615 $ 5,743 Current period gross charge-offs $ — $ — $ — $ — $ 960 $ 69 $ 25 $ 1,054 For each of our mortgage and installment portfolio segment classes, we generally monitor credit quality based on the credit scores of the borrowers. These credit scores are generally updated semi-annually. The following tables summarize credit scores by loan class for our mortgage and installment loan portfolio segments at September 30, 2024 and December 31, 2023: Mortgage (1) Term Loans Amortized Cost Basis by Origination Year Revolving Total 2024 2023 2022 2021 2020 Prior (In thousands) September 30, 2024 1-4 family owner occupied - jumbo 800 and above $ 5,490 $ 13,269 $ 33,151 $ 55,928 $ 27,371 $ 13,199 $ — $ 148,408 750-799 24,534 40,353 107,628 190,756 53,699 32,865 — 449,835 700-749 7,493 17,444 46,671 71,691 20,233 15,672 1,500 180,704 650-699 2,102 8,259 24,142 18,369 6,711 10,645 — 70,228 600-649 — 2,184 5,722 532 2,902 2,412 — 13,752 550-599 — 739 2,472 1,075 — — — 4,286 500-549 — 488 — — 2,784 1,382 — 4,654 Under 500 — — — — — — — — Unknown — — — — — — — — Total $ 39,619 $ 82,736 $ 219,786 $ 338,351 $ 113,700 $ 76,175 $ 1,500 $ 871,867 Accrued interest excluded from total $ 171 $ 374 $ 633 $ 727 $ 279 $ 240 $ 12 $ 2,436 Current period gross charge-offs $ — $ — $ 22 $ — $ — $ — $ — $ 22 1-4 family owner occupied - non-jumbo 800 and above $ 4,087 $ 1,063 $ 13,507 $ 10,212 $ 3,910 $ 10,465 $ 5,033 $ 48,277 750-799 9,636 14,220 30,105 20,030 12,292 23,021 10,427 119,731 700-749 4,734 10,579 13,210 9,372 6,334 23,417 4,821 72,467 650-699 8,016 1,769 4,587 3,877 3,359 12,953 1,401 35,962 600-649 503 — 494 2,233 1,257 6,736 104 11,327 550-599 — 213 565 565 1,384 5,369 — 8,096 500-549 — — 907 1,058 337 5,458 20 7,780 Under 500 87 — — 66 657 1,044 — 1,854 Unknown — — — — — — — — Total $ 27,063 $ 27,844 $ 63,375 $ 47,413 $ 29,530 $ 88,463 $ 21,806 $ 305,494 Accrued interest excluded from total $ 83 $ 178 $ 207 $ 111 $ 78 $ 369 $ 183 $ 1,209 Current period gross charge-offs $ — $ — $ — $ 23 $ — $ 22 $ — $ 45 1-4 family non-owner occupied 800 and above $ 2,227 $ 2,021 $ 5,418 $ 12,670 $ 2,265 $ 6,593 $ 1,389 $ 32,583 750-799 10,416 11,543 16,652 25,849 11,088 17,150 2,111 94,809 700-749 2,089 3,211 8,060 5,369 3,088 7,461 2,019 31,297 650-699 56 201 496 3,670 2,197 3,952 246 10,818 600-649 — — 61 580 — 1,072 109 1,822 550-599 — — — — — 434 69 503 500-549 — — — — — 817 — 817 Under 500 — — — — — 45 — 45 Unknown — — — — — — — — Total $ 14,788 $ 16,976 $ 30,687 $ 48,138 $ 18,638 $ 37,524 $ 5,943 $ 172,694 Accrued interest excluded from total $ 62 $ 77 $ 116 $ 132 $ 50 $ 170 $ 51 $ 658 Current period gross charge-offs $ — $ — $ — $ — $ — $ 158 $ — $ 158 Mortgage - continued (1) Term Loans Amortized Cost Basis by Origination Year Revolving Total 2024 2023 2022 2021 2020 Prior (In thousands) September 30, 2024 - continued 1-4 family - 2nd lien 800 and above $ 277 $ 457 $ 264 $ 260 $ 637 $ 912 $ 12,319 $ 15,126 750-799 2,084 2,591 2,467 3,189 2,228 3,240 42,368 58,167 700-749 1,457 1,077 1,967 806 549 2,843 27,820 36,519 650-699 25 293 498 653 474 1,598 10,644 14,185 600-649 — 297 124 236 80 765 1,232 2,734 550-599 — 78 38 69 39 628 399 1,251 500-549 — 39 20 — — 548 415 1,022 Under 500 — — — — — 199 — 199 Unknown — — — — — — — — Total $ 3,843 $ 4,832 $ 5,378 $ 5,213 $ 4,007 $ 10,733 $ 95,197 $ 129,203 Accrued interest excluded from total $ 14 $ 19 $ 19 $ 12 $ 12 $ 55 $ 772 $ 903 Current period gross charge-offs $ — $ — $ — $ — $ — $ 3 $ 22 $ 25 Resort lending 800 and above $ — $ — $ — $ 416 $ 627 $ 4,892 $ — $ 5,935 750-799 — 40 584 570 105 12,439 — 13,738 700-749 — — 327 297 135 4,373 — 5,132 650-699 — — — — 389 5,611 — 6,000 600-649 — — — — 46 1,148 — 1,194 550-599 — — — — — 57 — 57 500-549 — — — — — 86 — 86 Under 500 — — — — — — — — Unknown — — — — — — — — Total $ — $ 40 $ 911 $ 1,283 $ 1,302 $ 28,606 $ — $ 32,142 Accrued interest excluded from total $ — $ — $ 4 $ 4 $ 4 $ 156 $ — $ 168 Current period gross charge-offs $ — $ — $ — $ — $ — $ 50 $ — $ 50 Total Mortgage 800 and above $ 12,081 $ 16,810 $ 52,340 $ 79,486 $ 34,810 $ 36,061 $ 18,741 $ 250,329 750-799 46,670 68,747 157,436 240,394 79,412 88,715 54,906 736,280 700-749 15,773 32,311 70,235 87,535 30,339 53,766 36,160 326,119 650-699 10,199 10,522 29,723 26,569 13,130 34,759 12,291 137,193 600-649 503 2,481 6,401 3,581 4,285 12,133 1,445 30,829 550-599 — 1,030 3,075 1,709 1,423 6,488 468 14,193 500-549 — 527 927 1,058 3,121 8,291 435 14,359 Under 500 87 — — 66 657 1,288 — 2,098 Unknown — — — — — — — — Total $ 85,313 $ 132,428 $ 320,137 $ 440,398 $ 167,177 $ 241,501 $ 124,446 $ 1,511,400 Accrued interest excluded from total $ 330 $ 648 $ 979 $ 986 $ 423 $ 990 $ 1,018 $ 5,374 Current period gross charge-offs $ — $ — $ 22 $ 23 $ — $ 233 $ 22 $ 300 Mortgage (1) Term Loans Amortized Cost Basis by Origination Year Revolving Total 2023 2022 2021 2020 2019 Prior (In thousands) December 31, 2023 1-4 family owner occupied - jumbo 800 and above $ 6,299 $ 30,789 $ 63,377 $ 17,672 $ 4,503 $ 8,813 $ 1,084 $ 132,537 750-799 42,726 117,454 193,587 61,986 24,288 14,836 1,586 456,463 700-749 14,965 51,991 66,597 25,170 4,738 11,768 1,500 176,729 650-699 11,274 13,804 24,648 12,949 2,142 5,881 — 70,698 600-649 1,638 7,815 2,486 505 3,198 2,592 — 18,234 550-599 — — 527 1,908 — — — 2,435 500-549 — 544 — 923 — 673 — 2,140 Under 500 — — — — — — — — Unknown — — — — — — — — Total $ 76,902 $ 222,397 $ 351,222 $ 121,113 $ 38,869 $ 44,563 $ 4,170 $ 859,236 Accrued interest excluded from total $ 329 $ 669 $ 785 $ 299 $ 107 $ 156 $ 30 $ 2,375 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — 1-4 family owner occupied - non-jumbo 800 and above $ 2,280 $ 10,083 $ 7,780 $ 5,425 $ 2,802 $ 9,130 $ 3,029 $ 40,529 750-799 13,233 32,729 21,664 12,306 5,954 19,852 8,462 114,200 700-749 11,696 18,133 11,661 8,136 3,280 20,042 4,482 77,430 650-699 9,576 5,717 4,606 2,524 2,393 12,369 1,500 38,685 600-649 136 1,334 1,694 833 1,096 6,415 84 11,592 550-599 188 624 71 1,705 557 5,390 65 8,600 500-549 — — 1,335 998 413 4,077 — 6,823 Under 500 — 311 462 272 518 1,750 — 3,313 Unknown — — — — — — — — Total $ 37,109 $ 68,931 $ 49,273 $ 32,199 $ 17,013 $ 79,025 $ 17,622 $ 301,172 Accrued interest excluded from total $ 153 $ 235 $ 119 $ 78 $ 56 $ 331 $ 139 $ 1,111 Current period gross charge-offs $ — $ — $ — $ — $ — $ 29 $ — $ 29 1-4 family non-owner occupied 800 and above $ 2,320 $ 6,026 $ 12,338 $ 3,474 $ 3,048 $ 6,030 $ 1,199 $ 34,435 750-799 10,937 16,635 28,051 11,545 6,709 13,400 3,498 90,775 700-749 3,904 7,013 8,825 4,145 667 6,719 2,095 33,368 650-699 216 1,879 1,844 2,543 197 3,521 277 10,477 600-649 — 388 1,445 — 75 1,226 362 3,496 550-599 — 61 52 — — 873 — 986 500-549 — — — — — 142 — 142 Under 500 — — — — — 137 — 137 Unknown — — — — — — — — Total $ 17,377 $ 32,002 $ 52,555 $ 21,707 $ 10,696 $ 32,048 $ 7,431 $ 173,816 Accrued interest excluded from total $ 77 $ 125 $ 149 $ 60 $ 35 $ 146 $ 62 $ 654 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Mortgage - continued (1) Term Loans Amortized Cost Basis by Origination Year Revolving Total 2023 2022 2021 2020 2019 Prior (In thousands) December 31, 2023 - (continued) 1-4 family - 2nd lien 800 and above $ 537 $ 156 $ 703 $ 389 $ 159 $ 1,153 $ 9,817 $ 12,914 750-799 2,260 2,879 2,359 2,341 898 3,084 38,277 52,098 700-749 1,895 1,243 1,464 324 224 2,348 25,849 33,347 650-699 425 285 182 519 302 1,869 8,945 12,527 600-649 51 107 97 67 37 563 1,886 2,808 550-599 — 80 203 — 157 238 638 1,316 500-549 — — 12 — — 487 331 830 Under 500 — 19 — — 77 61 35 192 Unknown — — — — — — — — Total $ 5,168 $ 4,769 $ 5,020 $ 3,640 $ 1,854 $ 9,803 $ 85,778 $ 116,032 Accrued interest excluded from total $ 19 $ 14 $ 10 $ 7 $ 6 $ 41 $ 707 $ 804 Current period gross charge-offs $ — $ — $ — $ — $ — $ 5 $ — $ 5 Resort lending 800 and above $ — $ — $ 99 $ — $ — $ 5,643 $ — $ 5,742 750-799 41 817 910 858 179 12,649 — 15,454 700-749 — 108 871 111 — 5,439 — 6,529 650-699 — — — 316 — 6,219 — 6,535 600-649 — — — 49 — 844 — 893 550-599 — — — — — 267 — 267 500-549 — — — — — 59 — 59 Under 500 — — — — — 137 — 137 Unknown — — — — — — — — Total $ 41 $ 925 $ 1,880 $ 1,334 $ 179 $ 31,257 $ — $ 35,616 Accrued interest excluded from total $ — $ 4 $ 3 $ 4 $ — $ 142 $ — $ 153 Current period gross charge-offs $ — $ — $ — $ — $ — $ 120 $ — $ 120 Total Mortgage 800 and above $ 11,436 $ 47,054 $ 84,297 $ 26,960 $ 10,512 $ 30,769 $ 15,129 $ 226,157 750-799 69,197 170,514 246,571 89,036 38,028 63,821 51,823 728,990 700-749 32,460 78,488 89,418 37,886 8,909 46,316 33,926 327,403 650-699 21,491 21,685 31,280 18,851 5,034 29,859 10,722 138,922 600-649 1,825 9,644 5,722 1,454 4,406 11,640 2,332 37,023 550-599 188 765 853 3,613 714 6,768 703 13,604 500-549 — 544 1,347 1,921 413 5,438 331 9,994 Under 500 — 330 462 272 595 2,085 35 3,779 Unknown — — — — — — — — Total $ 136,597 $ 329,024 $ 459,950 $ 179,993 $ 68,611 $ 196,696 $ 115,001 $ 1,485,872 Accrued interest excluded from total $ 578 $ 1,047 $ 1,066 $ 448 $ 204 $ 816 $ 938 $ 5,097 Current period gross charge-offs $ — $ — $ — $ — $ — $ 154 $ — $ 154 (1) Credit scores have been updated within the last twelve months. Installment (1) Term Loans Amortized Cost Basis by Origination Year 2024 2023 2022 2021 2020 Prior Total (In thousands) September 30, 2024 Boat lending 800 and above $ 7,364 $ 5,486 $ 9,270 $ 7,411 $ 4,120 $ 10,402 $ 44,053 750-799 23,978 30,812 29,384 25,314 12,030 27,440 148,958 700-749 10,748 11,009 12,029 10,082 4,108 10,049 58,025 650-699 2,496 2,441 2,879 3,264 1,254 3,061 15,395 600-649 — 971 880 635 209 826 3,521 550-599 — 88 227 252 75 394 1,036 500-549 — 17 75 181 137 114 524 Under 500 — 36 — — — 98 134 Unknown — — — — — — — Total $ 44,586 $ 50,860 $ 54,744 $ 47,139 $ 21,933 $ 52,384 $ 271,646 Accrued interest excluded from total $ 172 $ 194 $ 130 $ 107 $ 48 $ 113 $ 764 Current period gross charge-offs $ — $ 8 $ 31 $ 8 $ 49 $ 53 $ 149 Recreational vehicle lending 800 and above $ 1,669 $ 3,747 $ 9,836 $ 10,072 $ 3,569 $ 7,083 $ 35,976 750-799 10,758 12,372 36,098 33,234 9,720 16,312 118,494 700-749 4,168 5,496 14,956 17,670 4,615 5,986 52,891 650-699 1,314 2,357 4,286 5,324 1,353 1,864 16,498 600-649 72 456 1,856 1,863 247 665 5,159 550-599 22 201 266 897 85 291 1,762 500-549 — 118 542 576 229 355 1,820 Under 500 — — 235 159 32 41 467 Unknown — — — — — — — Total $ 18,003 $ 24,747 $ 68,075 $ 69,795 $ 19,850 $ 32,597 $ 233,067 Accrued interest excluded from total $ 67 $ 93 $ 176 $ 161 $ 43 $ 71 $ 611 Current period gross charge-offs $ — $ 42 $ 152 $ 322 $ 42 $ 109 $ 667 Other 800 and above $ 1,821 $ 1,091 $ 1,569 $ 1,149 $ 623 $ 1,001 $ 7,254 750-799 8,378 8,792 8,038 4,948 2,472 4,833 37,461 700-749 14,735 5,995 5,097 3,451 1,392 3,247 33,917 650-699 11,082 1,891 1,937 1,038 524 1,464 17,936 600-649 260 417 554 390 104 330 2,055 550-599 8 157 221 177 52 137 752 500-549 6 40 238 224 65 110 683 Under 500 — 40 90 50 — 9 189 Unknown 680 — — — — — 680 Total $ 36,970 $ 18,423 $ 17,744 $ 11,427 $ 5,232 $ 11,131 $ 100,927 Accrued interest excluded from total $ 78 $ 70 $ 42 $ 24 $ 10 $ 65 $ 289 Current period gross charge-offs $ 1,327 $ 69 $ 92 $ 17 $ 8 $ 91 $ 1,604 Installment (1) Term Loans Amortized Cost Basis by Origination Year 2024 2023 2022 2021 2020 Prior Total (In thousands) September 30, 2024 - continued Total installment 800 and above $ 10,854 $ 10,324 $ 20,675 $ 18,632 $ 8,312 $ 18,486 $ 87,283 750-799 43,114 51,976 73,520 63,496 24,222 48,585 304,913 700-749 29,651 22,500 32,082 31,203 10,115 19,282 144,833 650-699 14,892 6,689 9,102 9,626 3,131 6,389 49,829 600-649 332 1,844 3,290 2,888 560 1,821 10,735 550-599 30 446 714 1,326 212 822 3,550 500-549 6 175 855 981 431 579 3,027 Under 500 — 76 325 209 32 148 790 Unknown 680 — — — — — 680 Total $ 99,559 $ 94,030 $ 140,563 $ 128,361 $ 47,015 $ 96,112 $ 605,640 Accrued interest excluded from total $ 317 $ 357 $ 348 $ 292 $ 101 $ 249 $ 1,664 Current period gross charge-offs $ 1,327 $ 119 $ 275 $ 347 $ 99 $ 253 $ 2,420 Installment - continued (1) Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Total (In thousands) December 31, 2023 Boat lending 800 and above $ 6,110 $ 8,150 $ 8,250 $ 3,612 $ 4,061 $ 7,665 $ 37,848 750-799 34,174 35,921 29,665 16,329 13,173 21,432 150,694 700-749 15,593 15,042 11,859 4,481 4,757 7,279 59,011 650-699 3,652 3,029 4,277 1,545 1,237 2,842 16,582 600-649 281 432 808 268 171 620 2,580 550-599 85 344 229 139 108 335 1,240 500-549 — 152 207 97 — 198 654 Under 500 — — — — — 39 39 Unknown — — — — — — — Total $ 59,895 $ 63,070 $ 55,295 $ 26,471 $ 23,507 $ 40,410 $ 268,648 Accrued interest excluded from total $ 216 $ 154 $ 132 $ 63 $ 58 $ 91 $ 714 Current period gross charge-offs $ — $ 53 $ — $ — $ 15 $ 53 $ 121 Recreational vehicle lending 800 a

Shareholders' Equity and Earnin

Shareholders' Equity and Earnings Per Common Share	9 Months Ended
	Sep. 30, 2024
Stockholders' Equity Note [Abstract]
Shareholders' Equity and Earnings Per Common Share	Shareholders’ Equity and Earnings Per Common Share On December 19, 2023, our Board of Directors authorized a share repurchase plan (the “Repurchase Plan”) to buy back up to 1,100,000 shares of our outstanding common stock through December 31, 2024. Shares would be repurchased through open market transactions, though we could execute repurchases through other means, such as privately negotiated transactions. The timing and amount of any share repurchases will depend on a variety of factors, including, among others, securities law restrictions, the trading price of our common stock, regulatory requirements, potential alternative uses for capital, and our financial performance. During the nine month period ended September 30, 2024 there were no shares of common stock repurchased. During the nine month period ended September 30, 2023 repurchases were made totaling 288,401 shares of common stock, for an aggregate purchase price of $5.0 million. A reconciliation of basic and diluted net income per common share follows: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In thousands, except Net income $ 13,810 $ 17,543 $ 48,329 $ 45,324 Weighted average shares outstanding (1) 20,896 20,922 20,892 21,021 Stock units for deferred compensation plan for non-employee directors 182 163 178 157 Performance share units 34 21 27 17 Effect of stock options 3 8 3 12 Weighted average shares outstanding for calculation of diluted earnings per share 21,115 21,114 21,100 21,207 Net income per common share Basic (1) $ 0.66 $ 0.84 $ 2.31 $ 2.16 Diluted $ 0.65 $ 0.83 $ 2.29 $ 2.14 (1) Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards. Weighted average stock options outstanding that were not considered in computing diluted net income per common share because they were anti-dilutive were zero for the three and nine month periods ended September 30, 2024 and 2023, respectively.

Derivative Financial Instrument

Derivative Financial Instruments	9 Months Ended
	Sep. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	Derivative Financial Instruments We are required to record derivatives on our Condensed Consolidated Statements of Financial Condition as assets and liabilities measured at their fair value. The accounting for increases and decreases in the value of derivatives depends upon the use of derivatives and whether the derivatives qualify for hedge accounting. Our derivative financial instruments according to the type of hedge in which they are designated follows: September 30, 2024 Notional Average Fair (Dollars in thousands) Fair value hedge designation Pay-fixed interest rate swap agreement - commercial $ 5,745 4.6 $ 239 Pay-fixed interest rate swap agreements - securities available for sale 148,895 3.1 11,259 Pay-fixed interest rate swap agreements - installment 100,000 2.7 (1,741) Pay-fixed interest rate swap agreements - mortgage 150,000 2.8 (2,779) Interest rate cap agreements - securities available for sale 40,970 3.6 181 Total $ 445,610 2.9 $ 7,159 Cash flow hedge designation Interest rate floor agreements - commercial $ 325,000 2.5 $ 7,281 No hedge designation Rate-lock mortgage loan commitments $ 26,947 0.1 $ 253 Mandatory commitments to sell mortgage loans 40,399 0.1 25 Pay-fixed interest rate swap agreements - commercial 492,129 5.2 (1,313) Pay-variable interest rate swap agreements - commercial 492,129 5.2 1,313 Total $ 1,051,604 4.9 $ 278 December 31, 2023 Notional Average Fair (Dollars in thousands) Fair value hedge designation Pay-fixed interest rate swap agreement - commercial $ 6,033 5.4 $ 349 Pay-fixed interest rate swap agreements - securities available for sale 148,895 3.9 15,287 Pay-fixed interest rate swap agreements - installment 100,000 3.4 (1,228) Pay-fixed interest rate swap agreements - mortgage 100,000 4.3 (2,131) Interest rate cap agreements - securities available for sale 40,970 4.3 456 Total $ 395,898 3.9 $ 12,733 Cash flow hedge designation Interest rate floor agreements - commercial $ 150,000 3.5 $ 4,221 No hedge designation Rate-lock mortgage loan commitments 18,081 0.1 173 Mandatory commitments to sell mortgage loans 30,442 0.1 (279) Pay-fixed interest rate swap agreements - commercial 379,012 5.9 7,169 Pay-variable interest rate swap agreements - commercial 379,012 5.9 (7,169) Total $ 806,547 5.5 $ (106) We have established management objectives and strategies that include interest-rate risk parameters for maximum fluctuations in net interest income and market value of portfolio equity. We monitor our interest rate risk position via simulation modeling reports. The goal of our asset/liability management efforts is to maintain profitable financial leverage within established risk parameters. We have entered into pay-fixed interest rate swaps and caps to protect a portion of the fair value of a certain fixed rate commercial loan and certain mortgage and installment loans (‘‘Fair Value Hedge – Portfolio Loans’’). As a result, changes in the fair values of the pay-fixed interest rate swaps and caps are expected to offset changes in the fair values of the fixed rate portfolio loans due to fluctuations in interest rates. We record the fair values of Fair Value Hedge – Portfolio Loans in accrued income and other assets and accrued expenses and other liabilities on our Condensed Consolidated Statements of Financial Condition. The hedged items (a fixed rate commercial loan and certain fixed rate mortgage and installment loans) are also recorded at fair value which offsets the adjustment to the Fair Value Hedge – Portfolio Loans. On an ongoing basis, we adjust our Condensed Consolidated Statements of Financial Condition to reflect the then current fair values of both the Fair Value Hedge – Portfolio Loans and the hedged items. The related gains or losses are reported in interest income – interest and fees on loans in our Condensed Consolidated Statements of Operations. During the second quarter of 2023 we terminated the interest rate cap that was previously hedging certain installment loans. The remaining unrealized gain on this terminated interest cap is being amortized into earnings over the original life of the interest rate cap. We have entered into pay-fixed interest rate swap and interest rate cap agreements to protect a portion of the fair value of certain securities available for sale (‘‘Fair Value Hedge – AFS Securities’’). As a result, the change in the fair value of the pay-fixed interest rate swap and interest rate cap agreements is expected to offset a portion of the change in the fair value of the fixed rate securities available for sale due to fluctuations in interest rates. We record the fair value of Fair Value Hedge – AFS Securities in accrued income and other assets and accrued expenses and other liabilities on our Condensed Consolidated Statements of Financial Condition. The hedged items (fixed rate securities available for sale) are also recorded at fair value which offsets the adjustment to the Fair Value Hedge – AFS Securities. On an ongoing basis, we adjust our Condensed Consolidated Statements of Financial Condition to reflect the then current fair value of both the Fair Value Hedge – AFS Securities and the hedged item. The related gains or losses are reported in interest income – interest on securities – tax-exempt in our Condensed Consolidated Statements of Operations. We have entered into interest rate floor agreements to manage the variability in future expected cash flows of certain commercial loans (‘‘Cash Flow Hedge – Portfolio Loans’’). We record the fair value of Cash Flow Hedge – Portfolio Loans in accrued income and other assets and accrued expenses and other liabilities on our Condensed Consolidated Statements of Financial Condition. The changes in the fair value of Cash Flow Hedge - Portfolio Loans are recorded in accumulated other comprehensive loss and are reclassified into the line item in our Condensed Consolidated Statements of Operations in which the hedged items are recorded in the same period the hedged items affect earnings. It is anticipated that as of September 30, 2024, $0.2 million will be reclassified from accumulated other comprehensive loss on Cash Flow Hedge - Portfolio Loans into earnings as a reduction of interest and fees on loans over the next twelve months. The maximum term of any Cash Flow Hedge - Portfolio Loans at September 30, 2024 is 3.9 years. Certain derivative financial instruments have not been designated as hedges. The fair value of these derivative financial instruments has been recorded on our Condensed Consolidated Statements of Financial Condition and is adjusted on an ongoing basis to reflect their then current fair value. The changes in fair value of derivative financial instruments not designated as hedges are recognized in earnings In the ordinary course of business, we enter into rate-lock mortgage loan commitments with customers (“Rate-Lock Commitments”). These commitments expose us to interest rate risk. We also enter into mandatory commitments to sell mortgage loans (“Mandatory Commitments”) to reduce the impact of price fluctuations of mortgage loans held for sale and Rate-Lock Commitments. Mandatory Commitments help protect our loan sale profit margin from fluctuations in interest rates. The changes in the fair value of Rate-Lock Commitments and Mandatory Commitments are recognized currently as part of net gains on mortgage loans in our Condensed Consolidated Statements of Operations. We obtain market prices on Mandatory Commitments and Rate-Lock Commitments. Net gains on mortgage loans, as well as net income may be more volatile as a result of these derivative instruments, which are not designated as hedges. We have a program that allows commercial loan customers to lock in a fixed rate for a longer period of time than we would normally offer for interest rate risk reasons. We will enter into a variable rate commercial loan and an interest rate swap agreement with a customer and then enter into an offsetting interest rate swap agreement with an unrelated party. The interest rate swap agreement fair values will generally move in opposite directions resulting in little or no net impact on our Condensed Consolidated Statements of Operations. All of the interest rate swap agreements - commercial in the table above with no hedge designation relate to this program. We had entered into a no hedge designation pay-variable interest rate swap agreement in an attempt to manage the cost of certain funding liabilities. The changes in fair value of this no hedge pay-variable interest rate swap is recorded in non-interest expense-other in our Condensed Consolidated Statements of Operations. This no hedge designation pay-variable interest rate swap agreement matured during the third quarter of 2023. The following tables illustrate the impact that the derivative financial instruments discussed above have on individual line items in the Condensed Consolidated Statements of Financial Condition for the periods presented: Fair Values of Derivative Instruments Asset Derivatives Liability Derivatives September 30, December 31, September 30, December 31, Balance Fair Balance Fair Balance Fair Balance Fair (In thousands) Derivatives designated as hedging instruments Pay-fixed interest rate swap agreements Other assets $ 11,519 Other assets $ 15,636 Other liabilities $ 4,541 Other liabilities $ 3,359 Interest rate cap agreements Other assets 181 Other assets 456 Other liabilities — Other liabilities — Interest rate floor agreements Other assets 7,281 Other assets 4,221 Other liabilities — Other liabilities — 18,981 20,313 4,541 3,359 Derivatives not designated as hedging instruments Rate-lock mortgage loan commitments Other assets 253 Other assets 173 Other liabilities — Other liabilities — Mandatory commitments to sell mortgage loans Other assets 25 Other assets — Other liabilities — Other liabilities 279 Pay-fixed interest rate swap agreements - commercial Other assets 9,101 Other assets 12,683 Other liabilities 10,414 Other liabilities 5,514 Pay-variable interest rate swap agreements - commercial Other assets 10,414 Other assets 5,514 Other liabilities 9,101 Other liabilities 12,683 19,793 18,370 19,515 18,476 Total derivatives $ 38,774 $ 38,683 $ 24,056 $ 21,835 The effect of derivative financial instruments on the Condensed Consolidated Statements of Operations follows: Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion) Location of Gain (Loss) Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) Gain (Loss) Three Month Three Month Location of Three Month 2024 2023 2024 2023 2024 2023 (In thousands) Fair Value Hedges Pay-fixed interest rate swap agreement - commercial Interest and fees on loans $ (184) $ 96 Pay-fixed interest rate swap agreements - securities available for sale Interest on securities available for sale - tax - exempt (4,882) 926 Pay-fixed interest rate swap agreements - Installment Interest and fees on loans (2,421) 765 Pay-fixed interest rate swap agreements - Mortgage Interest and fees on loans (2,940) 785 Interest rate cap agreements - securities available for sale $ (255) $ (25) Interest on securities available for sale - tax - exempt $ (57) $ (55) Interest on securities available for sale - tax - exempt (119) 39 Interest rate cap agreements - installment — — Interest and fees on loans — — Interest and fees on loans — — Total $ (255) $ (25) $ (57) $ (55) $ (10,546) $ 2,611 Cash Flow Hedges Interest rate floor agreements - commercial $ 2,999 $ (502) Interest and fees on loans $ (333) $ (17) Interest and fees on loans $ (333) $ (17) No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 111 $ (147) Mandatory commitments to sell mortgage loans Net gains on mortgage loans (122) 238 Pay-fixed interest rate swap agreements - commercial Interest income (15,031) $ 5,579 Pay-variable interest rate swap agreements - commercial Interest income 15,031 (5,579) Pay-variable interest rate swap agreement Non-interest expense - other — $ — Total $ (11) $ 91 Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion) Location of Gain (Loss) Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) Gain (Loss) Nine Month Nine Month Location of Nine Month 2024 2023 2024 2023 2024 2023 (In thousands) Fair Value Hedges Pay-fixed interest rate swap agreement - commercial Interest and fees on loans $ (110) $ 113 Pay-fixed interest rate swap agreements - securities available for sale Interest on securities available for sale - tax - exempt (4,028) 550 Pay-fixed interest rate swap agreements - Installment Interest and fees on loans (513) 1,362 Pay-fixed interest rate swap agreements - Mortgage Interest and fees on loans (648) 785 Interest rate cap agreements - securities available for sale $ (194) $ (438) Interest on securities available for sale - tax - exempt $ (167) $ (207) Interest on securities available for sale - tax - exempt (81) 286 Interest rate cap agreements - installment — — Interest and fees on loans — — Interest and fees on loans — (14) Total $ (194) $ (438) $ (167) $ (207) $ (5,380) $ 3,082 Cash Flow Hedges Interest rate floor agreements - commercial $ 246 $ (502) Interest and fees on loans $ (838) $ (17) Interest and fees on loans $ (838) $ (17) No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 80 $ 916 Mandatory commitments to sell mortgage loans Net gains on mortgage loans 304 169 Pay-fixed interest rate swap agreements - commercial Interest income (8,482) 4,694 Pay-variable interest rate swap agreements - commercial Interest income 8,482 (4,694) Pay-variable interest rate swap agreement Non-interest expense - other — (12) Total $ 384 $ 1,073

Goodwill and Other Intangibles

Goodwill and Other Intangibles	9 Months Ended
	Sep. 30, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Other Intangibles	Goodwill and Other Intangibles The following table summarizes intangible assets, net of amortization: September 30, 2024 December 31, 2023 Gross Accumulated Gross Accumulated (In thousands) Amortized intangible assets - core deposits $ 11,916 $ 10,299 $ 11,916 $ 9,912 Unamortized intangible assets - goodwill $ 28,300 $ 28,300 A summary of estimated core deposits intangible amortization at September 30, 2024 follows: (In thousands) Three months ending December 31, 2024 129 2025 487 2026 460 2027 434 2028 107 Total $ 1,617

Share Based Compensation

Share Based Compensation	9 Months Ended
	Sep. 30, 2024
Share-Based Payment Arrangement [Abstract]
Share Based Compensation	Share Based Compensation We maintain share based payment plans that include a non-employee director stock purchase plan and a long-term incentive plan that permits the issuance of share based compensation, including stock options and non-vested share awards. Th e long-term incentive plan, which is shareholder approved, permits the grant of additional share based awards for up to 0.4 million shares of common stock as of September 30, 2024. The non-employee director stock purchase plan permits the issuance of additional share based payments for up to 0.1 million shares of common stock as of September 30, 2024. Share based awards and payments are measured at fair value at the date of gra nt and are expensed over the requisite service period. Common shares issued upon exercise of stock options come from currently authorized but unissued shares. A summary of restricted stock and performance stock units (“PSU”) granted pursuant to our long-term incentive plan follows: Three Months Ended Nine Months Ended 2024 2023 2024 2023 Restricted stock — — 81,355 84,846 PSU — — 18,822 18,790 The shares of restricted stock and PSUs shown in the above table cliff vest after a period of three years. The performance criteria of the PSUs is split evenly between a comparison of (i) our total shareholder return and (ii) our return on average assets each over the three year period starting on the grant date to these same criteria over that period to an index of our banking peers. Our directors may elect to receive all or a portion of their cash retainer fees in the form of common stock (either on a current basis or on a deferred basis) pursuant to the non-employee director stock purchase plan referenced above. Shares equal in value to that portion of each director’s fees that he or she has elected to receive in stock on a current basis are issued each quarter and vest immediately. Shares issued on a deferred basis are credited at the rate of 90% of the current fair value of our common stock and vest immediately. During the nine month periods ended September 30, 2024 and 2023 we issued 0.007 million and 0.014 million shares, respectively and expensed their value during those same periods. Total compensation expense recognized for grants pursuant to our long-term incentive plan was $0.5 million and $1.6 million during the three and nine month periods ended September 30, 2024, respectively, and was $0.5 million and $1.4 million during the same periods in 2023, respectively. The corresponding tax benefit relating to this expense was $0.1 million and $0.3 million for the three and nine month periods ended September 30, 2024, respectively and $0.1 million and $0.3 million for the same periods in 2023. Total expense recognized for non-employee director share based payments was $0.06 million and $0.18 million during the three and nine month periods ended September 30, 2024, respectively, and was $0.09 million and $0.27 million during the same periods in 2023, respectively. The corresponding tax benefit relating to this expense was $0.01 million and $0.04 million for the three and nine month periods ended September 30, 2024, respectively and $0.02 million and $0.06 million during the same periods in 2023. At September 30, 2024, the total expected compensation cost related to non-vested restricted stock and PSUs not yet recognized was $3.1 million. The weighted-average period over which this amount will be recognized is 1.9 years. A summary of outstanding stock option grants and related transactions follows: Number of Average Weighted- Aggregated (In thousands) Outstanding at January 1, 2024 11,724 $ 11.73 Granted — — Exercised (5,583) 8.96 Forfeited — — Expired — — Outstanding at September 30, 2024 6,141 $ 14.24 2.5 $ 117 Vested and expected to vest at September 30, 2024 6,141 $ 14.24 2.5 $ 117 Exercisable at September 30, 2024 6,141 $ 14.24 2.5 $ 117 A summary of outstanding non-vested stock and related transactions follows: Number Weighted- Outstanding at January 1, 2024 269,233 $ 22.93 Granted 100,177 24.53 Vested (95,498) 20.49 Forfeited (8,066) 23.99 Outstanding at September 30, 2024 265,846 $ 24.38 Certain information regarding options exercised during the periods follows: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In thousands) (In thousands) Intrinsic value $ — $ — $ 91 $ 299 Cash proceeds received $ — $ — $ — $ 148 Tax benefit realized $ — $ — $ 19 $ 63

Income Tax

Income Tax	9 Months Ended
	Sep. 30, 2024
Income Tax Disclosure [Abstract]
Income Tax	Income Tax Income tax expense was $3.5 million and $4.1 million during the three month periods ended September 30, 2024 and 2023, respectively and $11.9 million and $10.4 million during the nine months ended September 30, 2024 and 2023, respectively. Our actual federal income tax expense is different than the amount computed by applying our statutory income tax rate to our income before income tax primarily due to tax-exempt interest income and tax-exempt income from the increase in the cash surrender value on life insurance. In addition, the three and nine month periods ending September 30, 2024 include reductions of $0.008 million and $0.117 million, respectively of income tax expense related to the impact of the excess value of stock awards that vested and stock options that were exercised as compared to the initial fair values that were expensed. These amounts during the same periods in 2023 were $0.003 million and $0.047 million, respectively. We assess whether a valuation allowance should be established against our deferred tax assets based on the consideration of all available evidence using a “more likely than not” standard. The ultimate realization of this asset is primarily based on generating future income. We concluded at September 30, 2024, September 30, 2023 and December 31, 2023 that the realization of substantially all of our deferred tax assets continues to be more likely than not. At both September 30, 2024 and December 31, 2023, we had approximately $0.2 million, respectively, of gross unrecognized tax benefits. We do not expect the total amount of unrecognized tax benefits to significantly increase or decrease during the remainder of 2024.

Regulatory Matters

Regulatory Matters	9 Months Ended
	Sep. 30, 2024
Regulatory Matters [Abstract]
Regulatory Matters	Regulatory Matters Capital guidelines adopted by federal and state regulatory agencies and restrictions imposed by law limit the amount of cash dividends our Bank can pay to us. Under these guidelines, the amount of dividends that may be paid in any calendar year is limited to the Bank’s current year net profits, combined with the retained net profits of the preceding two years. Further, the Bank cannot pay a dividend at any time that it has negative undivided profits. As of September 30, 2024, the Bank had positive undivided pro fits of $209.0 million. It is not our intent to have dividends paid in amounts that would reduce the capital of our Bank to levels below those which we consider prudent or that would not be in accordance with guidelines of regulatory authorities. We are also subject to various regulatory capital requirements. The prompt corrective action regulations establish quantitative measures to ensure capital adequacy and require minimum amounts and ratios of total, Tier 1, and common equity Tier 1 capital to risk-weighted assets and Tier 1 capital to average assets. Failure to meet minimum capital requirements can result in certain mandatory, and possibly discretionary, actions by regulators that could have a material effect on our interim condensed consolidated financial statements. In addition, capital adequacy rules include a common equity Tier 1 capital conservation buffer of 2.5% of risk-weighted assets that applies to all supervised financial institutions. To avoid limits on capital distributions and certain discretionary bonus payments we must meet the minimum ratio for adequately capitalized institutions plus the buffer. Under capital adequacy guidelines, we must meet specific capital requirements that involve quantitative measures as well as qualitative judgments by the regulators. The most recent regulatory filings as of September 30, 2024 and December 31, 2023, categorized our Bank as well capitalized and exceeding the minimum ratio for adequately capitalized institutions plus the capital conservation buffer. Management is not aware of any conditions or events that would have changed the most recent Federal Deposit Insurance Corporation (“FDIC”) categorization. Our actual capital amounts and ratios follow (1): Actual Minimum for Minimum for Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) September 30, 2024 Total capital to risk-weighted assets Consolidated $ 606,783 14.25 % $ 340,539 8.00 % NA NA Independent Bank 552,577 13.00 340,134 8.00 $ 425,167 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 513,461 12.06 % $ 255,404 6.00 % NA NA Independent Bank 499,317 11.74 255,100 6.00 $ 340,134 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 474,906 11.16 % $ 191,553 4.50 % NA NA Independent Bank 499,317 11.74 191,325 4.50 $ 276,359 6.50 % Tier 1 capital to average assets Consolidated $ 513,461 9.62 % $ 213,392 4.00 % NA NA Independent Bank 499,317 9.36 213,370 4.00 $ 266,712 5.00 % December 31, 2023 Total capital to risk-weighted assets Consolidated $ 573,972 13.71 % $ 335,014 8.00 % NA NA Independent Bank 521,374 12.46 334,673 8.00 $ 418,341 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 481,569 11.50 % $ 251,260 6.00 % NA NA Independent Bank 469,023 11.21 251,005 6.00 $ 334,673 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 443,065 10.58 % $ 188,445 4.50 % NA NA Independent Bank 469,023 11.21 188,254 4.50 $ 271,922 6.50 % Tier 1 capital to average assets Consolidated $ 481,569 9.03 % $ 213,227 4.00 % NA NA Independent Bank 469,023 8.80 213,180 4.00 $ 266,475 5.00 % _______________________________________ (1) These ratios do not reflect a capital conservation buffer of 2.50% at September 30, 2024 and December 31, 2023. NA - Not applicable The components of our regulatory capital are as follows: Consolidated Independent Bank September 30, December 31, September 30, December 31, (In thousands) Total shareholders' equity $ 452,369 $ 404,449 $ 476,780 $ 430,407 Add (deduct) Accumulated other comprehensive (income) loss for regulatory purposes 52,454 66,344 52,454 66,344 Goodwill and other intangibles (29,917) (30,304) (29,917) (30,304) CECL (1) — 2,576 — 2,576 Common equity tier 1 capital 474,906 443,065 499,317 469,023 Qualifying trust preferred securities 38,555 38,504 — — Tier 1 capital 513,461 481,569 499,317 469,023 Subordinated debt 40,000 40,000 — — Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets 53,322 52,403 53,260 52,351 Total risk-based capital $ 606,783 $ 573,972 $ 552,577 $ 521,374 (1) We elected the three

Fair Value Disclosures

Fair Value Disclosures	9 Months Ended
	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Fair Value Disclosures	Fair Value Disclosures FASB ASC topic 820 defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. FASB ASC topic 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1: Valuation is based upon quoted prices for identical instruments traded in active markets. Level 1 instruments include securities traded on active exchange markets, such as the New York Stock Exchange, as well as U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets. Level 2: Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level 2 instruments include securities traded in less active dealer or broker markets. Level 3: Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques. We used the following methods and significant assumptions to estimate fair value: Securities : W here quoted market prices are available in an active market, securities are classified as Level 1 of the valuation hierarchy. We currently do not have any Level 1 securities. If quoted market prices are not available for the specific security, then fair values are estimated by (1) using quoted market prices of securities with similar characteristics, (2) matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities but rather by relying on the securities’ relationship to other benchmark quoted prices, or (3) a discounted cash flow analysis whose significant fair value inputs can generally be verified and do not typically involve judgment by management. These securities are classified as Level 2 of the valuation hierarchy and primarily include agency securities, private label mortgage-backed securities, other asset backed securities, obligations of states and political subdivisions, trust preferred securities, corporate securities and foreign government securities. Loans held for sale : The fair value of mortgage loans held for sale, carried at fair value is based on agency cash window loan pricing for comparable assets (recurring Level 2). Collateral dependent loans with specific loss allocations based on collateral value : From time to time, certain collateral dependent loans will have an ACL established. When the fair value of the collateral is based on an appraised value or when an appraised value is not available we record the collateral dependent loan as nonrecurring Level 3. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments can be significant and thus will typically result in a Level 3 classification of the inputs for determining fair value. Other real estate : At the time of acquisition, other real estate is recorded at fair value, less estimated costs to sell, which becomes the property’s new basis. Subsequent write-downs to reflect declines in value since the time of acquisition may occur from time to time and are recorded in net gains on other real estate and repossessed assets, which is part of non-interest expense - other in the Condensed Consolidated Statements of Operations. The fair value of the property used at and subsequent to the time of acquisition is typically determined by a third party appraisal of the property. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments can be significant and typically result in a Level 3 classification of the inputs for determining fair value. Appraisals for both collateral-dependent loans and other real estate are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by us. Once received, an independent third party, or a member of our Collateral Evaluation Department (for commercial properties), or a member of our Special Assets Group (for residential properties) reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. We compare the actual selling price of collateral that has been sold to the most recent appraised value of our properties to determine what additional adjustment, if any, should be made to the appraisal value to arrive at fair value. For commercial and residential properties we typically discount an appraisal to account for various factors that the appraisal excludes in its assumptions. These additional discounts generally do not result in material adjustments to the appraised value. Capitalized mortgage loan servicing rights : The fair value of capitalized mortgage loan servicing rights is based on a valuation model used by an independent third party that calculates the present value of estimated net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income. Certain model assumptions are generally unobservable and are based upon the best information available including data relating to our own servicing portfolio, reviews of mortgage servicing assumption and valuation surveys and input from various mortgage servicers and, therefore, are recorded as Level 3. Management evaluates the third party valuation for reasonableness each quarter as part of our financial reporting control processes. Derivatives : The fair value of rate-lock mortgage loan commitments is based on agency cash window loan pricing for comparable assets and the fair value of mandatory commitments to sell mortgage loans is based on mortgage backed security pricing for comparable assets (recurring Level 2). The fair value of interest rate swap, interest rate cap and interest rate floor agreements are derived from proprietary models which utilize current market data. The significant fair value inputs can generally be observed in the market place and do not typically involve judgment by management (recurring Level 2). Assets and liabilities measured at fair value, including financial assets for which we have elected the fair value option, were as follows: Fair Value Measurements Using Fair Value Quoted Significant Significant (In thousands) September 30, 2024: Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 8,538 $ — $ 8,538 $ — U.S. agency residential mortgage-backed 76,091 — 76,091 — U.S. agency commercial mortgage-backed 12,073 — 12,073 — Private label mortgage-backed 76,603 — 76,603 — Other asset backed 43,764 — 43,764 — Obligations of states and political subdivisions 300,068 — 300,068 — Corporate 70,857 — 70,857 — Trust preferred 956 — 956 — Loans held for sale, carried at fair value 14,029 — 14,029 — Capitalized mortgage loan servicing rights 40,204 — — 40,204 Derivatives (1) 38,774 — 38,774 — Liabilities Derivatives (2) 24,056 — 24,056 — Measured at Fair Value on a Non-recurring Basis: Assets Collateral dependent loans (3) Commercial Commercial and industrial 4,253 — — 4,253 Commercial real estate 132 — — 132 Mortgage 1-4 family owner occupied - non-jumbo 662 — — 662 1-4 family non-owner occupied 56 — — 56 1-4 family - 2nd lien 166 — — 166 Resort lending 92 — — 92 Installment Boat lending 57 — — 57 Recreational vehicle lending 175 — — 175 Other 42 — — 42 ________________________________ (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes individually evaluated loans with specific loss allocations based on collateral value. Fair Value Measurements Using Fair Value Quoted Significant Significant (In thousands) December 31, 2023: Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 9,507 $ — $ 9,507 $ — U.S. agency residential mortgage-backed 81,217 — 81,217 — U.S. agency commercial mortgage-backed 12,297 — 12,297 — Private label mortgage-backed 86,469 — 86,469 — Other asset backed 112,931 — 112,931 — Obligations of states and political subdivisions 302,737 — 302,737 — Corporate 73,250 — 73,250 — Trust preferred 942 — 942 — Loans held for sale, carried at fair value 12,063 — 12,063 — Capitalized mortgage loan servicing rights 42,243 — — 42,243 Derivatives (1) 38,683 — 38,683 — Liabilities Derivatives (2) 21,835 — 21,835 — Measured at Fair Value on a Non-recurring Basis: Assets Collateral dependent loans (3) Commercial Commercial and industrial 551 — — 551 Mortgage 1-4 family owner occupied - non-jumbo 732 — — 732 1-4 family non-owner occupied 33 — — 33 1-4 family - 2nd lien 157 — — 157 Resort lending 92 — — 92 Installment Boat lending 192 — — 192 Recreational vehicle lending 196 — — 196 Other 66 — — 66 _________________________________ (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes impaired loans with specific loss allocations based on collateral value. Changes in fair values for financial assets which we have elected the fair value option for the periods presented were as follows: Changes in Fair Values for the Nine Month Periods Ended September 30 for items Measured at Fair Value Pursuant to Election of the Fair Value Option Net Gains Mortgage Total Mortgage (In thousands) 2024 Loans held for sale $ 215 $ — $ 215 Capitalized mortgage loan servicing rights — (4,995) (4,995) 2023 Loans held for sale 1,519 — 1,519 Capitalized mortgage loan servicing rights — 456 456 For those items measured at fair value pursuant to our election of the fair value option, interest income is recorded within the Condensed Consolidated Statements of Operations based on the contractual amount of interest income earned on these financial assets an d dividend income is recorded based on cash dividends received. The following represent impairment charges recognized during the three and nine month periods ended September 30, 2024 and 2023 relating to assets measured at fair value on a non-recurring basis: • Loans that are individually evaluated using the fair value of collateral for collateral dependent loans had a carrying amount of $5.6 million, which is net of a valuation allowance of $2.5 million at September 30, 2024, and had a carrying amount of $2.0 million, which is net of a valuation allowance of $1.3 million at December 31, 2023. The provision for credit losses included in our results of operations relating to collateral dependent loans was a net expense of $0.9 million and $0.2 million for the three month periods ending September 30, 2024 and 2023, respectively, and a net expense of $2.0 million and $2.1 million for the nine month periods ending September 30, 2024 and 2023, respectively. A reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) follows: Capitalized Mortgage Loan Servicing Rights Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In thousands) (In thousands) Beginning balance $ 44,406 $ 44,427 $ 42,243 $ 42,489 Total gains (losses) realized and unrealized: Included in results of operations (5,378) 471 (4,995) 456 Included in other comprehensive loss — — — — Purchases, issuances, settlements, maturities and calls 1,176 1,159 2,956 3,112 Transfers in and/or out of Level 3 — — — — Ending balance $ 40,204 $ 46,057 $ 40,204 $ 46,057 Amount of total gains (losses) for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at September 30 $ (5,378) $ 471 $ (4,995) $ 456 The fair value of our capitalized mortgage loan servicing rights has been determined based on a valuation model used by an independent third party as discussed above. The significant unobservable inputs used in the fair value measurement of the capitalized mortgage loan servicing rights are discount rate, cost to service, ancillary income, float rate and prepayment rate. Significant changes in all five of these assumptions in isolation would result in significant changes to the value of our capitalized mortgage loan servicing rights. Quantitative information about our Level 3 fair value measurements measured on a recurring basis follows: Asset Valuation Unobservable Range Weighted (In thousands) September 30, 2024 Capitalized mortgage loan servicing rights $ 40,204 Present value of net servicing revenue Discount rate 10.00% to 14.99% 10.25 % Cost to service $69 to $463 $ 79 Ancillary income 20 to 30 20 Float rate 3.53 % Prepayment rate 6.56% to 29.02% 10.02 % December 31, 2023 Capitalized mortgage loan servicing rights $ 42,243 Present value of net servicing revenue Discount rate 10.00% to 14.27% 10.25 % Cost to service $70 to $442 $ 79 Ancillary income 20 to 30 20 Float rate 3.82 % Prepayment rate 6.56% to 26.47% 8.50% Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows: Asset Valuation Unobservable Range Weighted (In thousands) September 30, 2024 Collateral dependent loans Commercial(1) $ 4,385 Discounting financial statement and machinery and equipment appraised values Discount rates used 40.0% to 50.0% 42.8 % Sales comparison approach Adjustment for differences between comparable sales (20.0)% to 35.0% (2.4) % Mortgage and Installment(2) 1,250 Sales comparison approach Adjustment for differences between comparable sales (12.7) to 21.7 1.3 December 31, 2023 Collateral dependent loans Commercial $ 551 Sales comparison approach Adjustment for differences between comparable sales (5.0)% to 6.0% (0.4) % Mortgage and Installment(2) 1,468 Sales comparison approach Adjustment for differences between comparable sales (4.1) to 10.5 3.1 (1) $3.5 million of this amount primarily relates to one collateral dependent relationship credit. Collateral securing this relationship primarily included accounts receivable, inventory and machinery and equipment at September 30, 2024. Valuation techniques at September 30, 2024 included discounting financial statement values for accounts receivable and inventory and appraised values for machinery and equipment. (2) In addition to the valuation techniques and unobservable inputs discussed above, at September 30, 2024 and December 31, 2023 certain collateral dependent installment loans totaling approximately $0.27 million and $0.45 million, respectively, are secured by collateral other than real estate. For the majority of these loans, we apply internal discount rates to industry valuation guides. The following table reflects the difference between the aggregate fair value and the aggregate remaining contractual principal balance outstanding for loans held for sale for which the fair value option has been elected for the periods presented. Aggregate Difference Contractual (In thousands) Loans held for sale September 30, 2024 $ 14,029 $ 154 $ 13,875 December 31, 2023 12,063 (61) 12,124

Fair Values of Financial Instru

Fair Values of Financial Instruments	9 Months Ended
	Sep. 30, 2024
Fair Values of Financial Instruments [Abstract]
Fair Values of Financial Instruments	Fair Values of Financial Instruments Most of our assets and liabilities are considered financial instruments. Many of these financial instruments lack an available trading market and it is our general practice and intent to hold the majority of our financial instruments to maturity. Significant estimates and assumptions were used to determine the fair value of financial instruments. These estimates are subjective in nature, involving uncertainties and matters of judgment, and therefore, fair values may not be a precise estimate. Changes in assumptions could significantly affect the estimates. Estimated fair values have been determined using available data and methodologies that are considered suitable for each category of financial instrument. For instruments with adjustable interest rates which reprice frequently and without significant credit risk, it is presumed that estimated fair values approximate the recorded book balances. The estimated recorded book balances and fair values follow: Fair Value Using Recorded Fair Value Quoted Significant Significant (In thousands) September 30, 2024 Assets Cash and due from banks $ 61,503 $ 61,503 $ 61,503 $ — $ — Interest bearing deposits 60,057 60,057 60,057 — — Securities available for sale 588,950 588,950 — 588,950 — Securities held to maturity 343,362 314,638 — 314,638 — Federal Home Loan Bank and Federal Reserve Bank Stock 16,099 NA NA NA NA Net loans and loans held for sale 3,898,872 3,732,864 — 14,029 3,718,835 Accrued interest receivable 18,809 18,809 134 5,339 13,336 Derivative financial instruments 38,774 38,774 — 38,774 — Liabilities Deposits with no stated maturity (1) $ 3,850,142 $ 3,850,142 $ 3,850,142 $ — $ — Deposits with stated maturity (1) 776,733 775,042 — 775,042 — Other borrowings — — — — — Subordinated debt 39,567 39,687 — 39,687 — Subordinated debentures 39,779 39,733 — 39,733 — Accrued interest payable 4,215 4,215 427 3,788 — Derivative financial instruments 24,056 24,056 — 24,056 — December 31, 2023 Assets Cash and due from banks $ 68,208 $ 68,208 $ 68,208 $ — $ — Interest bearing deposits 101,573 101,573 101,573 — — Securities available for sale 679,350 679,350 — 679,350 — Securities held to maturity 353,988 318,606 — 318,606 — Federal Home Loan Bank and Federal Reserve Bank Stock 16,821 NA NA NA NA Net loans and loans held for sale 3,748,306 3,453,790 — 12,063 3,441,727 Accrued interest receivable 19,044 19,044 58 6,486 12,500 Derivative financial instruments 38,683 38,683 — 38,683 — Liabilities Deposits with no stated maturity (1) $ 3,704,808 $ 3,704,808 $ 3,704,808 $ — $ — Deposits with stated maturity (1) 918,071 914,404 — 914,404 — Other borrowings 50,026 49,831 — 49,831 — Subordinated debt 39,510 40,352 — 40,352 — Subordinated debentures 39,728 38,103 — 38,103 — Accrued interest payable 6,534 6,534 482 6,052 — Derivative financial instruments 21,835 21,835 — 21,835 — (1) Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $878.832 million and $723.014 million at September 30, 2024 and December 31, 2023, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $116.637 million and $109.006 million at September 30, 2024 and December 31, 2023, respectively. The fair values for commitments to extend credit and standby letters of credit are estimated to approximate their aggregate book balance, which is nominal and therefore are not disclosed. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale the entire holdings of a particular financial instrument. Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business, the value of future earnings attributable to off-balance sheet activities and the value of assets and liabilities that are not considered financial instruments. Fair value estimates for deposit accounts do not include the value of the core deposit intangible asset resulting from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market.

Contingencies

Contingencies	9 Months Ended
	Sep. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Contingencies	Contingencies Pressures from various global and national macroeconomic conditions, including heightened inflation, uncertainty regarding future interest rates, foreign currency exchange rate fluctuations, recent adverse weather conditions, the continuation of the Russia-Ukraine and Middle East wars, the pending Presidential and Congressional elections, and potential governmental responses to these events, continue to create significant economic uncertainty. The extent to which these pressures may impact our business, results of operations, asset valuations, financial condition, and customers will depend on future developments, which continue to be highly uncertain and difficult to predict. Material adverse impacts may include all or a combination of valuation impairments on our intangible assets, securities available for sale, securities held to maturity, loans, capitalized mortgage loan servicing rights or deferred tax assets. We continue to closely monitor and analyze the higher risk segments within our portfolio, and senior management is cautiously optimistic that we are positioned to continue managing the impact of the varied set of risks and uncertainties currently impacting the global and U.S. economies. However, a high degree of uncertainty still exists with respect to the impact of these fluid macroeconomic conditions on the future performance of our loan portfolio and our financial results. Litigation We are involved in various litigation matters in the ordinary course of business. At the present time, we do not believe any of these matters will have a significant impact on our interim condensed consolidated financial position or results of operations. The aggregate amount we have accrued for losses we consider probable as a result of these litigation matters is immaterial. However, because of the inherent uncertainty of outcomes from any litigation matter, we believe it is reasonably possible we may incur losses in addition to the amounts we have accrued. At this time, we estimate the maximum amount of additional losses that are reasonably possible is insignificant. However, because of a number of factors, including the fact that certain of these litigation matters are still in their early stages, this maximum amount may change in the future. The litigation matters described in the preceding paragraph primarily include claims that have been brought against us for damages, but do not include litigation matters where we seek to collect amounts owed to us by third parties (such as litigation initiated to collect delinquent loans). These excluded, collection-related matters may involve claims or counterclaims by the opposing party or parties, but we have excluded such matters from the disclosure contained in the preceding paragraph in all cases where we believe the possibility of us paying damages to any opposing party is remote. Visa Stock On May 6, 2024, we exchanged 12,566 shares of Visa Inc. Class B-1 common stock (all of the Class B-1 shares we owned) for 2,493 shares of Visa Inc. Class C common stock and 6,283 shares of Visa Inc. Class B-2 common stock pursuant to an exchange offer conducted by Visa. Each Class C share automatically converts to 4 shares of Visa Inc. Class A common stock upon a transfer to anyone other than a Visa member or an affiliate of a Visa member. The Class B-2 shares have the same transfer restrictions as the transfer restrictions on the Class B-1 shares and can only be sold to other Class B shareholders. Because of the very limited liquidity for the Class B-1 shares (prior to completion of the exchange offer) and uncertainty regarding the likelihood, ultimate timing, and eventual exchange rate for Class B-1 shares into Class A shares, we were carrying these shares at zero, representing cost basis less impairment. In light of the continued uncertainty regarding the likelihood, ultimate timing, and eventual exchange rate for Class B-2 shares into Class A shares, we are carrying the Class B-2 shares at zero, representing cost basis less impairment. With the completion of the exchange, we recorded a gain related to the Class C shares of $2.677 million during the second quarter of 2024 based on the conversion privilege of those shares and the closing price of the Class A shares on May 3, 2024 (the exchange expiration date) of $268.49 per share. Subsequent to the exchange, we sold all 2,493 shares of our Class C shares for net proceeds of $2.685 million. We held no Class C shares at September 30, 2024. As a condition to our participation in the exchange offer, we were required to enter into a Makewhole Agreement that will require us to reimburse Visa in certain circumstances if certain litigation in which Visa has been involved since 2008 results in damages significantly higher than Visa currently expects. Potential payments under the Makewhole Agreement are designed to equal the decline in value we would have experienced had we not participated in Visa’s exchange offer. Based on the disclosures that have been made by Visa regarding the status of this litigation and other circumstances relating to the exchange offer and potential future, similar exchange offers, we believe the likelihood we will have to make any payments under the Makewhole Agreement is remote.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss ("AOCL")	9 Months Ended
	Sep. 30, 2024
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive Loss ("AOCL")	Accumulated Other Comprehensive Loss (“AOCL”) A summary of changes in AOCL follows: Unrealized Losses on Securities AFS Unrealized Dispropor- Unrealized Gains (Losses) on Derivative Instruments Total (In thousands) For the three months ended September 30, 2024 Balances at beginning of period $ (49,482) $ (14,084) $ (5,798) $ (1,464) $ (70,828) Other comprehensive income (loss) before reclassifications 9,340 646 — 2,168 12,154 Amounts reclassified from AOCL 114 — — 308 422 Net current period other comprehensive income (loss) 9,454 646 — 2,476 12,576 Balances at end of period $ (40,028) $ (13,438) $ (5,798) $ 1,012 $ (58,252) 2023 Balances at beginning of period $ (57,695) $ (16,811) $ (5,798) $ (206) $ (80,510) Other comprehensive income (loss) before reclassifications (12,130) 696 — (417) (11,851) Amounts reclassified from AOCL — — — 57 57 Net current period other comprehensive income (loss) (12,130) 696 — (360) (11,794) Balances at end of period $ (69,825) $ (16,115) $ (5,798) $ (566) $ (92,304) For the nine months ended September 30, 2024 Balances at beginning of period $ (51,113) $ (15,408) $ (5,798) $ 177 $ (72,142) Other comprehensive income (loss) before reclassifications 10,758 1,970 — 41 12,769 Amounts reclassified from AOCL 327 — — 794 1,121 Net current period other comprehensive income (loss) 11,085 1,970 — 835 13,890 Balances at end of period $ (40,028) $ (13,438) $ (5,798) $ 1,012 $ (58,252) 2023 Balances at beginning of period $ (68,742) $ (18,223) $ (5,798) $ — $ (92,763) Other comprehensive income (loss) before reclassifications (1,258) 2,108 — (743) 107 Amounts reclassified from AOCL 175 — — 177 352 Net current period other comprehensive income (loss) (1,083) 2,108 — (566) 459 Balances at end of period $ (69,825) $ (16,115) $ (5,798) $ (566) $ (92,304) (1) Represents the remaining unrealized loss to be accreted on securities that were transferred from AFS to HTM on April 1, 2022. The disproportionate tax effects from securities AFS arose due to tax effects of other comprehensive income (“OCI”) in the presence of a valuation allowance against our deferred tax assets and a pretax loss from operations. Generally, the amount of income tax expense or benefit allocated to operations is determined without regard to the tax effects of other categories of income or loss, such as OCI. However, an exception to the general rule is provided when, in the presence of a valuation allowance against deferred tax assets, there is a pretax loss from operations and pretax income from other categories in the current period. In such instances, income from other categories must offset the current loss from operations, the tax benefit of such offset being reflected in operations. Release of material disproportionate tax effects from other comprehensive income to earnings is done by the portfolio method whereby the effects will remain in AOCL as long as we carry a more than inconsequential portfolio of securities AFS. A summary of reclassifications out of each component of AOCL for the three months ended September 30 follows: AOCL Component Amount Reclassified From AOCL Affected Line Item in Condensed (In thousands) 2024 Unrealized losses on securities available for sale $ (145) Net losses on securities available for sale (31) Income tax expense $ (114) Reclassifications, net of tax Unrealized gains (losses) on derivative instruments $ 390 Interest income 82 Income tax expense $ 308 Reclassifications, net of tax $ (422) Total reclassifications for the period, net of tax 2023 Unrealized losses on securities available for sale $ — Net losses on securities available for sale — Income tax expense $ — Reclassifications, net of tax Unrealized gains (losses) on derivative instruments $ 72 Interest income 15 Income tax expense $ 57 Reclassifications, net of tax $ (57) Total reclassifications for the period, net of tax A summary of reclassifications out of each component of AOCL for the nine months ended September 30 follows: AOCL Component Amount Reclassified From AOCL Affected Line Item in Condensed (In thousands) 2024 Unrealized losses on securities available for sale $ (414) Net losses on securities available for sale (87) Income tax expense $ (327) Reclassifications, net of tax Unrealized gains (losses) on derivative instruments $ 1,005 Interest income 211 Income tax expense $ 794 Reclassifications, net of tax $ (1,121) Total reclassifications for the period, net of tax 2023 Unrealized losses on securities available for sale $ (222) Net losses on securities available for sale (47) Income tax expense $ (175) Reclassifications, net of tax Unrealized gains (losses) on derivative instruments $ 224 Interest income 47 Income tax expense $ 177 Reclassifications, net of tax $ (352) Total reclassifications for the period, net of tax

Revenue from Contracts with Cus

Revenue from Contracts with Customers	9 Months Ended
	Sep. 30, 2024
Revenue from Contract with Customer [Abstract]
Revenue from Contracts with Customers	Revenue from Contracts with Customers We account for revenue in accordance with ASC Topic 606, Revenue from Contracts with Customers. We derive the majority of our revenue from financial instruments and their related contractual rights and obligations which for the most part are excluded from the scope of this topic. These sources of revenue that are excluded from the scope of this topic include interest income, net gains on mortgage loans, net gains (losses) on securities AFS, mortgage loan servicing, net and bank owned life insurance and were approximat ely 87.1% and 86.6% of total revenues for the nine month periods ending September 30, 2024 and 2023, respectively. Material sources of revenue that are included in the scope of this topic include service charges on deposit accounts, other deposit related income, interchange income and investment and insurance commissions and are discussed in the following paragraphs. Generally these sources of revenue are earned at the time the service is delivered or over the course of a monthly period and do not result in any contract asset or liability balance at any given period end. As a result, there were no contract assets or liabilities recorded as of September 30, 2024 and December 31, 2023. Service charges on deposit accounts and other deposit related income : Revenues are earned on depository accounts for commercial and retail customers and include fees for transaction-based, account maintenance and overdraft services. Transaction-based fees, which includes services such as ATM use fees, stop payment charges and ACH fees are recognized at the time the transaction is executed as that is the time we fulfill our customer’s request. Account maintenance fees, which includes monthly maintenance services are earned over the course of a month representing the period over which the performance obligation is satisfied. Our obligation for overdraft services is satisfied at the time of the overdraft. Interchange income : Interchange income primarily includes debit card interchange and network revenues. Debit card interchange and network revenues are earned on debit card transactions conducted through payment networks such as MasterCard and Accel. Interchange income is recognized concurrently with the delivery of services on a daily basis. Interchange and network revenues are presented gross of interchange expenses, which are presented separately as a component of non-interest expense. Investment and insurance commissions : Investment and insurance commissions include fees and commissions from asset management, custody, recordkeeping, investment advisory and other services provided to our customers. Revenue is recognized on an accrual basis at the time the services are performed and generally based on either the market value of the assets managed or the services provided. We have an agent relationship with a third party provider of these services and net certain direct costs charged by the third party provider associated with providing these services to our customers. Net (gains) losses on other real estate and repossessed assets : We record a gain or loss from the sale of other real estate when control of the property transfers to the buyer, which generally occurs at the time of an executed deed. If we were to finance the sale of other real estate to the buyer, we would assess whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction is probable. Once these criteria are met, the other real estate asset would be derecognized and the gain or loss on sale would be recorded upon the transfer of control of the property to the buyer. There were no other real estate properties sold during the nine month periods ending September 30, 2024 and 2023 that were financed by us. Disaggregation of our revenue sources by attribute follows: Service Other Interchange Investment Total Three months ending September 30, 2024 (In thousands) Retail Overdraft fees $ 2,378 $ — $ — $ — $ 2,378 Account service charges 593 — — — 593 ATM fees — 430 — — 430 Other — 167 — — 167 Business Overdraft fees 114 — — — 114 ATM fees — 13 — — 13 Other — 114 — — 114 Interchange income — — 4,146 — 4,146 Asset management revenue — — — 458 458 Transaction based revenue — — — 423 423 Total $ 3,085 $ 724 $ 4,146 $ 881 $ 8,836 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 724 Investment and insurance commissions 881 Bank owned life insurance (1) 197 Other (1) 1,581 Total $ 3,383 (1) Excluded from the scope of ASC Topic 606. Service Other Interchange Investment Total Three months ending September 30, 2023 (In thousands) Retail Overdraft fees $ 2,090 $ — $ — $ — $ 2,090 Account service charges 1,079 — — — 1,079 ATM fees — 457 — — 457 Other — 247 — — 247 Business Overdraft fees 140 — — — 140 ATM fees — 13 — — 13 Other — 109 — — 109 Interchange income — — 4,100 — 4,100 Asset management revenue — — — 488 488 Transaction based revenue — — — 388 388 Total $ 3,309 $ 826 $ 4,100 $ 876 $ 9,111 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 826 Investment and insurance commissions 876 Bank owned life insurance (1) 124 Other (1) 1,609 Total $ 3,435 (1) Excluded from the scope of ASC Topic 606. Service Other Interchange Investment Total Nine months ending September 30, 2024 (In thousands) Retail Overdraft fees $ 6,788 $ — $ — $ — $ 6,788 Account service charges 1,787 — — — 1,787 ATM fees — 1,225 — — 1,225 Other — 603 — — 603 Business Overdraft fees 319 — — — 319 ATM fees — 37 — — 37 Other — 327 — — 327 Interchange income — — 10,698 — 10,698 Asset management revenue — — — 1,448 1,448 Transaction based revenue — — — 1,075 1,075 Total $ 8,894 $ 2,192 $ 10,698 $ 2,523 $ 24,307 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 2,192 Investment and insurance commissions 2,523 Bank owned life insurance (1) 566 Other (1) 3,537 Total $ 8,818 (1) Excluded from the scope of ASC Topic 606. Service Other Interchange Investment Total Nine months ending September 30, 2023 (In thousands) Retail Overdraft fees $ 6,770 $ — $ — $ — $ 6,770 Account service charges 2,135 — — — 2,135 ATM fees — 1,235 — — 1,235 Other — 756 — — 756 Business Overdraft fees 395 — — — 395 ATM fees — 35 — — 35 Other — 312 — — 312 Interchange income — — 10,660 — 10,660 Asset management revenue — — — 1,389 1,389 Transaction based revenue — — — 1,057 1,057 Total $ 9,300 $ 2,338 $ 10,660 $ 2,446 $ 24,744 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 2,338 Investment and insurance commissions 2,446 Bank owned life insurance (1) 333 Other (1) 4,181 Total $ 9,298 (1) Excluded from the scope of ASC Topic 606.

Leases

Leases	9 Months Ended
	Sep. 30, 2024
Leases [Abstract]
Leases	Leases We have entered into leases in the normal course of business primarily for office facilities, some of which include renewal options and escalation clauses. Certain leases also include both lease components (fixed payments including rent, taxes and insurance costs) and non-lease components (common area or other maintenance costs) which are accounted for as a single lease component as we have elected the practical expedient to group lease and non-lease components together for all leases. We have also elected not to recognize leases with original lease terms of 12 months or less (short-term leases) on our Condensed Consolidated Statements of Financial Condition. Most of our leases include one or more options to renew. The exercise of lease renewal options is typically at our sole discretion and are included in our right of use (“ROU”) assets and lease liabilities if they are reasonably certain of exercise. Leases are classified as operating or finance leases at the lease commencement date (we did not have any finance leases as of September 30, 2024). Lease expense for operating leases and short-term leases is recognized on a straight-line basis over the lease term. The ROU assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized at the lease commencement date based on the estimated present value of the lease payment over the lease term. As most of our leases do not provide an implicit rate, we use our incremental borrowing rate based on the information available at the lease commencement date in determining the present value of the lease payments. The cost components of our operating leases follows: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In thousands) (In thousands) Operating lease cost $ 349 $ 359 $ 1,044 $ 1,080 Variable lease cost 10 24 32 72 Short-term lease cost 23 25 70 71 Total $ 382 $ 408 $ 1,146 $ 1,223 Variable lease costs consist primarily of taxes, insurance, and common area or other maintenance costs for our leased facilities. Supplemental balance sheet information related to our operating leases follows: September 30, December 31, (Dollars in thousands) Lease right of use asset (1) $ 6,403 $ 4,911 Lease liabilities (2) $ 6,620 $ 5,114 Weighted average remaining lease term (years) 7.24 6.03 Weighted average discount rate 3.7 % 2.7 % (1) Included in Accrued income and other assets (2) Included in Accrued expenses and other liabilities Maturity analysis of our lease liabilities at September 30, 2024 based on required contractual payments follows: (In thousands) Three months ending December 31, 2024 $ 347 2025 1,348 2026 1,184 2027 1,003 2028 938 2029 and thereafter 2,874 Total lease payments 7,694 Less imputed interest (1,074) Total $ 6,620

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Pay vs Performance Disclosure
Reclassifications, net of tax	$ 13,810	$ 17,543	$ 48,329	$ 45,324

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Sep. 30, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

New Accounting Standards (Polic

New Accounting Standards (Policies)	9 Months Ended
	Sep. 30, 2024
Accounting Standards Update and Change in Accounting Principle [Abstract]
New Accounting Standards	In March 2020, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2020-04, ‘‘Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting’’ and in December 2022 the FASB issued ASU 2022-06, "Reference Rate Reform (Topic 848), Deferral of the Sunset Date of Topic 848". These new ASUs provide temporary optional expedients and exceptions to GAAP guidance on contract modifications and hedge accounting to ease the financial reporting burdens of the expected market transition from LIBOR and other interbank offered rates to alternative reference rates. Entities can elect not to apply certain modification accounting requirements to contracts affected by reference rate reform, if certain criteria are met. Entities that make such elections would not have to remeasure contracts at the modification date or reassess a previous accounting determination. Entities can elect various optional expedients that would allow them to continue applying hedge accounting for hedging relationships affected by reference rate reform, if certain criteria are met. We had formed a cross-functional project team to lead the transition from LIBOR to a planned adoption of reference rates which included Secured Overnight Financing Rate (“SOFR”). We utilized the timeline guidance published by the Alternative Reference Rates Committee to develop and achieve internal milestones during the transitional period. We discontinued the use of new LIBOR-based loans as of December 31, 2021, according to regulatory guidelines. We also discontinued the use of new LIBOR based interest rate derivatives as of December 31, 2021. The amended guidance under Topic 848 and our ability to elect its temporary optional expedients and exceptions are effective for us through December 31, 2024. In March, 2023, the FASB issued ASU 2023-02, "Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method (a consensus of the Emerging Issues Task Force)". This ASU expands the use of the proportional amortization method of accounting — currently allowed only for investments in low-income housing tax credit ("LIHTC") structures — to equity investments in other tax credit structures that meet certain criteria. Common tax credit programs that investors access via tax equity structures and that may now be eligible for application of the proportional amortization method include: new markets tax credits, historic rehabilitation tax credit programs, and renewable energy tax credit programs. This ASU takes effect in reporting periods beginning after December 15, 2023, with early adoption permitted. The adoption of this ASU on January 1, 2024, did not have a material impact on our Condensed Consolidated Financial Statements. In November, 2023, the FASB issued ASU 2023-07, "Segment Reporting (Topic 323): Improvements to Reportable Segment Disclosures". This ASU enhances disclosures of significant segment expenses by requiring entities to disclose significant segment expenses regularly provided to the chief operating decision maker, extend certain annual disclosures to interim periods, and permit more than one measure of segment profit or loss to be reported under certain conditions. This ASU takes effect for annual reporting periods beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. We do not expect the adoption of this ASU to have a material impact on our Condensed Consolidated Financial Statements. In December, 2023, the FASB issued ASU 2023-09, "Income Taxes (Topic 740): Improvements to Income Tax Disclosures". This ASU modifies the rules on income tax disclosures to require entities to disclose (1) specific categories in the rate reconciliation, (2) the income or loss from continuing operations before income tax expense or benefit (separated between domestic and foreign) and (3) income tax expense or benefit from continuing operations (separated by federal, state and foreign). This ASU also requires entities to disclose their income tax payments to international, federal, state and local jurisdictions, among other changes. This ASU takes effect in reporting periods beginning after December 15, 2024, with early adoption permitted. We do not expect the adoption of this ASU to have a material impact on our Condensed

Securities (Tables)

Securities (Tables)	9 Months Ended
	Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Securities Available for Sale	Securities available for sale (“AFS”) consist of the following: Amortized Unrealized Gains Losses Fair Value (In thousands) September 30, 2024 U.S. agency $ 9,046 $ 3 $ 511 $ 8,538 U.S. agency residential mortgage-backed 83,116 66 7,091 76,091 U.S. agency commercial mortgage-backed 13,153 — 1,080 12,073 Private label mortgage-backed 80,409 261 4,067 76,603 Other asset backed 44,325 16 577 43,764 Obligations of states and political subdivisions 334,368 12 34,312 300,068 Corporate 74,216 1 3,360 70,857 Trust preferred 985 — 29 956 Total $ 639,618 $ 359 $ 51,027 $ 588,950 December 31, 2023 U.S. agency $ 10,299 $ 5 $ 797 $ 9,507 U.S. agency residential mortgage-backed 90,195 3 8,981 81,217 U.S. agency commercial mortgage-backed 13,706 — 1,409 12,297 Private label mortgage-backed 93,527 249 7,307 86,469 Other asset backed 114,867 3 1,939 112,931 Obligations of states and political subdivisions 341,177 204 38,644 302,737 Corporate 79,296 — 6,046 73,250 Trust preferred 983 — 41 942 Total $ 744,050 $ 464 $ 65,164 $ 679,350
Debt Securities, Held-to-Maturity	Securities held to maturity (“HTM”) consist of the following: Carrying Transferred ACL Amortized Unrealized Fair Value Gains Losses (In thousands) September 30, 2024 U.S. agency $ 24,863 $ 1,472 $ — $ 26,335 $ — $ 4,007 $ 22,328 U.S. agency residential mortgage-backed 102,733 8,933 — 111,666 — 20,019 91,647 U.S. agency commercial mortgage-backed 4,045 118 — 4,163 — 328 3,835 Private label mortgage-backed 7,344 218 1 7,563 — 557 7,006 Obligations of states and political subdivisions 157,525 5,653 17 163,195 129 15,895 147,429 Corporate 45,900 572 111 46,583 — 5,190 41,393 Trust preferred 952 44 4 1,000 — — 1,000 Total $ 343,362 $ 17,010 $ 133 $ 360,505 $ 129 $ 45,996 $ 314,638 December 31, 2023 U.S. agency $ 25,768 $ 1,603 $ — $ 27,371 $ — $ 4,892 $ 22,479 U.S. agency residential mortgage-backed 108,770 9,715 — 118,485 — 23,849 94,636 U.S. agency commercial mortgage-backed 4,146 153 — 4,299 — 460 3,839 Private label mortgage-backed 7,302 302 4 7,608 — 854 6,754 Obligations of states and political subdivisions 161,352 6,879 33 168,264 88 18,807 149,545 Corporate 45,702 803 116 46,621 780 7,033 40,368 Trust preferred 948 48 4 1,000 — 15 985 Total $ 353,988 $ 19,503 $ 157 $ 373,648 $ 868 $ 55,910 $ 318,606 (1) Represents the remaining unrealized loss to be accreted on securities that were transferred from AFS to HTM on April 1, 2022.
Schedule of Unrealized Loss on Investments	Our investments' gross unrealized losses and fair values for securities AFS aggregated by investment type and length of time that individual securities have been at a continuous unrealized loss position follows: Less Than Twelve Months Twelve Months or More Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized (In thousands) September 30, 2024 U.S. agency $ 126 $ — $ 7,839 $ 511 $ 7,965 $ 511 U.S. agency residential mortgage-backed 44 — 65,654 7,091 65,698 7,091 U.S. agency commercial mortgage-backed — — 12,073 1,080 12,073 1,080 Private label mortgage-backed 933 1 74,478 4,066 75,411 4,067 Other asset backed 1,508 2 32,939 575 34,447 577 Obligations of states and political subdivisions — — 300,068 34,312 300,068 34,312 Corporate — — 69,360 3,360 69,360 3,360 Trust preferred — — 956 29 956 29 Total $ 2,611 $ 3 $ 563,367 $ 51,024 $ 565,978 $ 51,027 December 31, 2023 U.S. agency $ 130 $ — $ 8,453 $ 797 $ 8,583 $ 797 U.S. agency residential mortgage-backed 358 1 80,008 8,980 80,366 8,981 U.S. agency commercial mortgage-backed — — 12,297 1,409 12,297 1,409 Private label mortgage-backed 6,285 356 79,507 6,951 85,792 7,307 Other asset backed 7,714 88 97,203 1,851 104,917 1,939 Obligations of states and political subdivisions — — 301,038 38,644 301,038 38,644 Corporate — — 73,249 6,046 73,249 6,046 Trust preferred — — 942 41 942 41 Total $ 14,487 $ 445 $ 652,697 $ 64,719 $ 667,184 $ 65,164
Held-to-Maturity, Credit Quality	The carrying value of securities HTM aggregated by credit quality follow: Private Obligations Corporate Trust Carrying (In thousands) September 30, 2024 Credit rating: AAA $ 7,344 $ 35,378 $ — $ — $ 42,722 AA — 103,090 — — 103,090 A — 3,468 5,007 — 8,475 BBB — 655 35,991 — 36,646 BB — — 1,958 — 1,958 Non-rated — 14,934 2,944 952 18,830 Total $ 7,344 $ 157,525 $ 45,900 $ 952 $ 211,721 December 31, 2023 Credit rating: AAA $ 7,302 $ 36,629 $ — $ — $ 43,931 AA — 102,583 — — 102,583 A — 3,172 6,923 — 10,095 BBB — 856 33,913 — 34,769 BB — — 1,943 — 1,943 Non-rated — 18,112 2,923 948 21,983 Total $ 7,302 $ 161,352 $ 45,702 $ 948 $ 215,304
Held-to-Maturity, Allowance for Credit Losses	An analysis of the allowance for credit losses by security HTM type for the three months ended September 30 follows: Private Obligations Corporate Trust Total (In thousands) 2024 Balance at beginning of period $ 4 $ 31 $ 116 $ 4 $ 155 Additions (deductions) Provision for credit losses (3) (14) (5) — (22) Recoveries credited to the allowance — — — — — Securities HTM charged against the allowance — — — — — Balance at end of period $ 1 $ 17 $ 111 $ 4 $ 133 2023 Balance at beginning of period $ 1 $ 39 $ 116 $ 4 $ 160 Additions (deductions) Provision for credit losses 3 (6) (2) — (5) Recoveries credited to the allowance — — — — — Securities HTM charged against the allowance — — — — — Balance at end of period $ 4 $ 33 $ 114 $ 4 $ 155 An analysis of the allowance for credit losses by security HTM type for the nine months ended September 30 follows: Private Obligations Corporate Trust Total (In thousands) 2024 Balance at beginning of period $ 4 $ 33 $ 116 $ 4 $ 157 Additions (deductions) Provision for credit losses (3) (16) (1,130) — (1,149) Recoveries credited to the allowance — — 1,125 — 1,125 Securities HTM charged against the allowance — — — — — Balance at end of period $ 1 $ 17 $ 111 $ 4 $ 133 2023 Balance at beginning of period $ 1 $ 39 $ 123 $ 5 $ 168 Additions (deductions) Provision for credit losses 3 (6) 2,991 (1) 2,987 Recoveries credited to the allowance — — — — — Securities HTM charged against the allowance — — (3,000) — (3,000) Balance at end of period $ 4 $ 33 $ 114 $ 4 $ 155
Investments Classified by Contractual Maturity Date	The amortized cost and fair value of securities AFS and securities HTM at September 30, 2024, by contractual maturity, follow: Securities AFS Securities HTM Amortized Fair Amortized Fair (In thousands) Maturing within one year $ 21,647 $ 21,262 $ 7,457 $ 7,410 Maturing after one year but within five years 148,875 140,013 55,599 52,401 Maturing after five years but within ten years 45,741 41,401 94,300 82,813 Maturing after ten years 202,352 177,743 79,757 69,526 418,615 380,419 237,113 212,150 U.S. agency residential mortgage-backed 83,116 76,091 111,666 91,647 U.S. agency commercial mortgage-backed 13,153 12,073 4,163 3,835 Private label mortgage-backed 80,409 76,603 7,563 7,006 Other asset backed 44,325 43,764 — — Total $ 639,618 $ 588,950 $ 360,505 $ 314,638 The actual maturity may differ from the contractual maturity because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.
Gains and Losses Realized on Sale of Securities Available for Sale	A summary of proceeds from the sale of securities AFS and gains and losses for the nine month periods ending September 30, follows: Realized Proceeds Gains Losses (In thousands) 2024 $ 39,431 $ 14 $ 428 2023 278 — 222

Loans (Tables)

Loans (Tables)	9 Months Ended
	Sep. 30, 2024
Receivables [Abstract]
Financing Receivable, Current, Allowance for Credit Loss	An analysis of the allowance for credit losses by portfolio segment for the three months ended September 30, follows: Commercial Mortgage Installment Subjective Total (In thousands) 2024 Balance at beginning of period $ 18,979 $ 20,731 $ 3,901 $ 12,630 $ 56,241 Additions (deductions) Provision for credit losses 1,082 (1,004) 1,156 276 1,510 Recoveries credited to the allowance 101 131 479 — 711 Loans charged against the allowance — (26) (992) — (1,018) Balance at end of period $ 20,162 $ 19,832 $ 4,544 $ 12,906 $ 57,444 2023 Balance at beginning of period $ 16,284 $ 20,080 $ 4,315 $ 13,285 $ 53,964 Additions (deductions) Provision for credit losses 1,112 (170) (42) 455 1,355 Recoveries credited to the allowance 178 112 467 — 757 Loans charged against the allowance (24) — (557) — (581) Balance at end of period $ 17,550 $ 20,022 $ 4,183 $ 13,740 $ 55,495 An analysis of the ACL by portfolio segment for the nine months ended September 30, follows: Commercial Mortgage Installment Subjective Total (In thousands) 2024 Balance at beginning of period $ 16,724 $ 21,386 $ 4,126 $ 12,422 $ 54,658 Additions (deductions) Provision for credit losses 3,199 (1,524) 1,241 484 3,400 Recoveries credited to the allowance 239 270 1,597 — 2,106 Loans charged against the allowance — (300) (2,420) — (2,720) Balance at end of period $ 20,162 $ 19,832 $ 4,544 $ 12,906 $ 57,444 2023 Balance at beginning of period $ 13,817 $ 21,633 $ 4,290 $ 12,695 $ 52,435 Additions (deductions) Provision for credit losses 4,350 (1,835) 280 1,045 3,840 Recoveries credited to the allowance 436 255 1,391 — 2,082 Loans charged against the allowance (1,053) (31) (1,778) — (2,862) Balance at end of period $ 17,550 $ 20,022 $ 4,183 $ 13,740 $ 55,495
Financing Receivable, Nonaccrual	Loans on non-accrual status and past due more than 90 days (“Non-performing Loans”) follow: Non- Non- Total 90+ and Total Non- (In thousands) September 30, 2024 Commercial Commercial and industrial (1) $ — $ 50 $ 50 $ — $ 50 Commercial real estate — — — — — Mortgage 1-4 family owner occupied - jumbo 762 — 762 — 762 1-4 family owner occupied - non-jumbo (2) 2,417 394 2,811 — 2,811 1-4 family non-owner occupied — 197 197 — 197 1-4 family - 2nd lien — 519 519 — 519 Resort lending — 143 143 — 143 Installment Boat lending — 149 149 — 149 Recreational vehicle lending — 400 400 — 400 Other — 117 117 — 117 Total $ 3,179 $ 1,969 $ 5,148 $ — $ 5,148 Accrued interest excluded from total $ — $ — $ — $ — $ — December 31, 2023 Commercial Commercial and industrial (1) $ — $ 7 $ 7 $ — $ 7 Commercial real estate — — — — — Mortgage 1-4 family owner occupied - jumbo 544 — 544 — 544 1-4 family owner occupied - non-jumbo (2) 575 1,655 2,230 432 2,662 1-4 family non-owner occupied — 282 282 — 282 1-4 family - 2nd lien — 624 624 — 624 Resort lending — 143 143 — 143 Installment Boat lending — 352 352 — 352 Recreational vehicle lending — 419 419 — 419 Other — 199 199 — 199 Total $ 1,119 $ 3,681 $ 4,800 $ 432 $ 5,232 Accrued interest excluded from total $ — $ — $ — $ — $ — (1) Non-performing commercial and industrial loans exclude $0.009 million and $0.021 million of government guaranteed loans at September 30, 2024 and December 31, 2023, respectively. (2)
Amortized Cost of Collateral-dependent Loans by Class	The amortized cost of collateral-dependent loans by class follows: Collateral Type Allowance Real Other (In thousands) September 30, 2024 Commercial Commercial and industrial $ 693 $ 5,321 $ 1,758 Commercial real estate 827 — 6 Mortgage 1-4 family owner occupied - jumbo 762 — — 1-4 family owner occupied - non-jumbo 3,443 — 365 1-4 family non-owner occupied 87 — 31 1-4 family - 2nd lien 257 — 91 Resort lending 143 — 51 Installment Boat lending — 89 32 Recreational vehicle lending — 271 96 Other — 65 23 Total $ 6,212 $ 5,746 $ 2,453 Accrued interest excluded from total $ 6 $ 37 December 31, 2023 Commercial Commercial and industrial $ 565 $ 232 $ 224 Commercial real estate — — — Mortgage 1-4 family owner occupied - jumbo 544 — — 1-4 family owner occupied - non-jumbo 2,243 — 504 1-4 family non-owner occupied 211 — 178 1-4 family - 2nd lien 244 — 87 Resort lending 143 — 51 Installment Boat lending — 297 105 Recreational vehicle lending — 303 107 Other — 102 36 Total $ 3,950 $ 934 $ 1,292 Accrued interest excluded from total $ 1 $ —
Aging Analysis of Loans by Class	An aging analysis of loans by class follows: Loans Past Due Loans not Total 30-59 days 60-89 days 90+ days Total (In thousands) September 30, 2024 Commercial Commercial and industrial $ 44 $ — $ 59 $ 103 $ 954,649 $ 954,752 Commercial real estate — — — — 870,495 870,495 Mortgage 1-4 family owner occupied - jumbo 718 — 762 1,480 870,387 871,867 1-4 family owner occupied - non-jumbo 1,506 2,074 1,784 5,364 300,130 305,494 1-4 family non-owner occupied 74 — 87 161 172,533 172,694 1-4 family - 2nd lien 281 529 187 997 128,206 129,203 Resort lending 41 — 143 184 31,958 32,142 Installment Boat lending 215 109 89 413 271,233 271,646 Recreational vehicle lending 688 121 271 1,080 231,987 233,067 Other 245 119 59 423 100,504 100,927 Total $ 3,812 $ 2,952 $ 3,441 $ 10,205 $ 3,932,082 $ 3,942,287 Accrued interest excluded from total $ 40 $ 33 $ — $ 73 $ 13,263 $ 13,336 December 31, 2023 Commercial Commercial and industrial $ — $ — $ 28 $ 28 $ 810,117 $ 810,145 Commercial real estate — — — — 869,586 869,586 Mortgage 1-4 family owner occupied - jumbo — — 544 544 858,692 859,236 1-4 family owner occupied - non-jumbo 1,763 742 1,431 3,936 297,236 301,172 1-4 family non-owner occupied 215 64 158 437 173,379 173,816 1-4 family - 2nd lien 241 139 215 595 115,437 116,032 Resort lending — 50 143 193 35,423 35,616 Installment Boat lending 320 16 261 597 268,051 268,648 Recreational vehicle lending 414 35 280 729 251,123 251,852 Other 313 86 54 453 104,345 104,798 Total $ 3,266 $ 1,132 $ 3,114 $ 7,512 $ 3,783,389 $ 3,790,901 Accrued interest excluded from total $ 31 $ 17 $ — $ 48 $ 12,452 $ 12,500
Loan Ratings by Loan Class	The following tables summarize loan ratings by loan class for our commercial portfolio loan segment at September 30, 2024 and December 31, 2023: Commercial Term Loans Amortized Cost Basis by Origination Year Revolving Total 2024 2023 2022 2021 2020 Prior (In thousands) September 30, 2024 Commercial and industrial Non-watch (1-6) $ 112,067 $ 141,661 $ 143,097 $ 80,758 $ 80,824 $ 112,391 $ 245,614 $ 916,412 Watch (7-8) 10,234 2,195 3,623 2,846 3,112 1,262 9,055 32,327 Substandard Accrual (9) 2,385 — — 530 281 — 2,758 5,954 Non-Accrual (10-11) — — — 47 — 12 — 59 Total $ 124,686 $ 143,856 $ 146,720 $ 84,181 $ 84,217 $ 113,665 $ 257,427 $ 954,752 Accrued interest excluded from total $ 441 $ 500 $ 394 $ 206 $ 367 $ 352 $ 1,181 $ 3,441 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate Non-watch (1-6) $ 75,873 $ 233,643 $ 168,095 $ 79,711 $ 51,776 $ 176,405 $ 63,117 $ 848,620 Watch (7-8) — — — — — 4,461 16,587 21,048 Substandard Accrual (9) — — — 137 — 690 — 827 Non-Accrual (10-11) — — — — — — — — Total $ 75,873 $ 233,643 $ 168,095 $ 79,848 $ 51,776 $ 181,556 $ 79,704 $ 870,495 Accrued interest excluded from total $ 248 $ 692 $ 625 $ 197 $ 131 $ 638 $ 326 $ 2,857 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Total Commercial Non-watch (1-6) $ 187,940 $ 375,304 $ 311,192 $ 160,469 $ 132,600 $ 288,796 $ 308,731 $ 1,765,032 Watch (7-8) 10,234 2,195 3,623 2,846 3,112 5,723 25,642 53,375 Substandard Accrual (9) 2,385 — — 667 281 690 2,758 6,781 Non-Accrual (10-11) — — — 47 — 12 — 59 Total $ 200,559 $ 377,499 $ 314,815 $ 164,029 $ 135,993 $ 295,221 $ 337,131 $ 1,825,247 Accrued interest excluded from total $ 689 $ 1,192 $ 1,019 $ 403 $ 498 $ 990 $ 1,507 $ 6,298 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Term Loans Amortized Cost Basis by Origination Year Revolving Total 2023 2022 2021 2020 2019 Prior (In thousands) December 31, 2023 Commercial and industrial Non-watch (1-6) $ 110,472 $ 152,715 $ 70,081 $ 47,644 $ 42,576 $ 97,960 $ 260,634 $ 782,082 Watch (7-8) 96 5,239 964 2,580 4,173 2,277 11,938 27,267 Substandard Accrual (9) — — 547 — 21 4 196 768 Non-Accrual (10-11) — — — — — 28 — 28 Total $ 110,568 $ 157,954 $ 71,592 $ 50,224 $ 46,770 $ 100,269 $ 272,768 $ 810,145 Accrued interest excluded from total $ 239 $ 438 $ 132 $ 128 $ 120 $ 326 $ 1,327 $ 2,710 Current period gross charge-offs $ — $ — $ — $ — $ — $ 69 $ 25 $ 94 Commercial real estate Non-watch (1-6) $ 202,576 $ 169,230 $ 131,428 $ 29,684 $ 78,706 $ 176,265 $ 73,852 $ 861,741 Watch (7-8) — — — — 2,322 5,523 — 7,845 Substandard Accrual (9) — — — — — — — — Non-Accrual (10-11) — — — — — — — — Total $ 202,576 $ 169,230 $ 131,428 $ 29,684 $ 81,028 $ 181,788 $ 73,852 $ 869,586 Accrued interest excluded from total $ 548 $ 685 $ 431 $ 73 $ 347 $ 661 $ 288 $ 3,033 Current period gross charge-offs $ — $ — $ — $ — $ 960 $ — $ — $ 960 Total Commercial Non-watch (1-6) $ 313,048 $ 321,945 $ 201,509 $ 77,328 $ 121,282 $ 274,225 $ 334,486 $ 1,643,823 Watch (7-8) 96 5,239 964 2,580 6,495 7,800 11,938 35,112 Substandard Accrual (9) — — 547 — 21 4 196 768 Non-Accrual (10-11) — — — — — 28 — 28 Total $ 313,144 $ 327,184 $ 203,020 $ 79,908 $ 127,798 $ 282,057 $ 346,620 $ 1,679,731 Accrued interest excluded from total $ 787 $ 1,123 $ 563 $ 201 $ 467 $ 987 $ 1,615 $ 5,743 Current period gross charge-offs $ — $ — $ — $ — $ 960 $ 69 $ 25 $ 1,054 For each of our mortgage and installment portfolio segment classes, we generally monitor credit quality based on the credit scores of the borrowers. These credit scores are generally updated semi-annually. The following tables summarize credit scores by loan class for our mortgage and installment loan portfolio segments at September 30, 2024 and December 31, 2023: Mortgage (1) Term Loans Amortized Cost Basis by Origination Year Revolving Total 2024 2023 2022 2021 2020 Prior (In thousands) September 30, 2024 1-4 family owner occupied - jumbo 800 and above $ 5,490 $ 13,269 $ 33,151 $ 55,928 $ 27,371 $ 13,199 $ — $ 148,408 750-799 24,534 40,353 107,628 190,756 53,699 32,865 — 449,835 700-749 7,493 17,444 46,671 71,691 20,233 15,672 1,500 180,704 650-699 2,102 8,259 24,142 18,369 6,711 10,645 — 70,228 600-649 — 2,184 5,722 532 2,902 2,412 — 13,752 550-599 — 739 2,472 1,075 — — — 4,286 500-549 — 488 — — 2,784 1,382 — 4,654 Under 500 — — — — — — — — Unknown — — — — — — — — Total $ 39,619 $ 82,736 $ 219,786 $ 338,351 $ 113,700 $ 76,175 $ 1,500 $ 871,867 Accrued interest excluded from total $ 171 $ 374 $ 633 $ 727 $ 279 $ 240 $ 12 $ 2,436 Current period gross charge-offs $ — $ — $ 22 $ — $ — $ — $ — $ 22 1-4 family owner occupied - non-jumbo 800 and above $ 4,087 $ 1,063 $ 13,507 $ 10,212 $ 3,910 $ 10,465 $ 5,033 $ 48,277 750-799 9,636 14,220 30,105 20,030 12,292 23,021 10,427 119,731 700-749 4,734 10,579 13,210 9,372 6,334 23,417 4,821 72,467 650-699 8,016 1,769 4,587 3,877 3,359 12,953 1,401 35,962 600-649 503 — 494 2,233 1,257 6,736 104 11,327 550-599 — 213 565 565 1,384 5,369 — 8,096 500-549 — — 907 1,058 337 5,458 20 7,780 Under 500 87 — — 66 657 1,044 — 1,854 Unknown — — — — — — — — Total $ 27,063 $ 27,844 $ 63,375 $ 47,413 $ 29,530 $ 88,463 $ 21,806 $ 305,494 Accrued interest excluded from total $ 83 $ 178 $ 207 $ 111 $ 78 $ 369 $ 183 $ 1,209 Current period gross charge-offs $ — $ — $ — $ 23 $ — $ 22 $ — $ 45 1-4 family non-owner occupied 800 and above $ 2,227 $ 2,021 $ 5,418 $ 12,670 $ 2,265 $ 6,593 $ 1,389 $ 32,583 750-799 10,416 11,543 16,652 25,849 11,088 17,150 2,111 94,809 700-749 2,089 3,211 8,060 5,369 3,088 7,461 2,019 31,297 650-699 56 201 496 3,670 2,197 3,952 246 10,818 600-649 — — 61 580 — 1,072 109 1,822 550-599 — — — — — 434 69 503 500-549 — — — — — 817 — 817 Under 500 — — — — — 45 — 45 Unknown — — — — — — — — Total $ 14,788 $ 16,976 $ 30,687 $ 48,138 $ 18,638 $ 37,524 $ 5,943 $ 172,694 Accrued interest excluded from total $ 62 $ 77 $ 116 $ 132 $ 50 $ 170 $ 51 $ 658 Current period gross charge-offs $ — $ — $ — $ — $ — $ 158 $ — $ 158 Mortgage - continued (1) Term Loans Amortized Cost Basis by Origination Year Revolving Total 2024 2023 2022 2021 2020 Prior (In thousands) September 30, 2024 - continued 1-4 family - 2nd lien 800 and above $ 277 $ 457 $ 264 $ 260 $ 637 $ 912 $ 12,319 $ 15,126 750-799 2,084 2,591 2,467 3,189 2,228 3,240 42,368 58,167 700-749 1,457 1,077 1,967 806 549 2,843 27,820 36,519 650-699 25 293 498 653 474 1,598 10,644 14,185 600-649 — 297 124 236 80 765 1,232 2,734 550-599 — 78 38 69 39 628 399 1,251 500-549 — 39 20 — — 548 415 1,022 Under 500 — — — — — 199 — 199 Unknown — — — — — — — — Total $ 3,843 $ 4,832 $ 5,378 $ 5,213 $ 4,007 $ 10,733 $ 95,197 $ 129,203 Accrued interest excluded from total $ 14 $ 19 $ 19 $ 12 $ 12 $ 55 $ 772 $ 903 Current period gross charge-offs $ — $ — $ — $ — $ — $ 3 $ 22 $ 25 Resort lending 800 and above $ — $ — $ — $ 416 $ 627 $ 4,892 $ — $ 5,935 750-799 — 40 584 570 105 12,439 — 13,738 700-749 — — 327 297 135 4,373 — 5,132 650-699 — — — — 389 5,611 — 6,000 600-649 — — — — 46 1,148 — 1,194 550-599 — — — — — 57 — 57 500-549 — — — — — 86 — 86 Under 500 — — — — — — — — Unknown — — — — — — — — Total $ — $ 40 $ 911 $ 1,283 $ 1,302 $ 28,606 $ — $ 32,142 Accrued interest excluded from total $ — $ — $ 4 $ 4 $ 4 $ 156 $ — $ 168 Current period gross charge-offs $ — $ — $ — $ — $ — $ 50 $ — $ 50 Total Mortgage 800 and above $ 12,081 $ 16,810 $ 52,340 $ 79,486 $ 34,810 $ 36,061 $ 18,741 $ 250,329 750-799 46,670 68,747 157,436 240,394 79,412 88,715 54,906 736,280 700-749 15,773 32,311 70,235 87,535 30,339 53,766 36,160 326,119 650-699 10,199 10,522 29,723 26,569 13,130 34,759 12,291 137,193 600-649 503 2,481 6,401 3,581 4,285 12,133 1,445 30,829 550-599 — 1,030 3,075 1,709 1,423 6,488 468 14,193 500-549 — 527 927 1,058 3,121 8,291 435 14,359 Under 500 87 — — 66 657 1,288 — 2,098 Unknown — — — — — — — — Total $ 85,313 $ 132,428 $ 320,137 $ 440,398 $ 167,177 $ 241,501 $ 124,446 $ 1,511,400 Accrued interest excluded from total $ 330 $ 648 $ 979 $ 986 $ 423 $ 990 $ 1,018 $ 5,374 Current period gross charge-offs $ — $ — $ 22 $ 23 $ — $ 233 $ 22 $ 300 Mortgage (1) Term Loans Amortized Cost Basis by Origination Year Revolving Total 2023 2022 2021 2020 2019 Prior (In thousands) December 31, 2023 1-4 family owner occupied - jumbo 800 and above $ 6,299 $ 30,789 $ 63,377 $ 17,672 $ 4,503 $ 8,813 $ 1,084 $ 132,537 750-799 42,726 117,454 193,587 61,986 24,288 14,836 1,586 456,463 700-749 14,965 51,991 66,597 25,170 4,738 11,768 1,500 176,729 650-699 11,274 13,804 24,648 12,949 2,142 5,881 — 70,698 600-649 1,638 7,815 2,486 505 3,198 2,592 — 18,234 550-599 — — 527 1,908 — — — 2,435 500-549 — 544 — 923 — 673 — 2,140 Under 500 — — — — — — — — Unknown — — — — — — — — Total $ 76,902 $ 222,397 $ 351,222 $ 121,113 $ 38,869 $ 44,563 $ 4,170 $ 859,236 Accrued interest excluded from total $ 329 $ 669 $ 785 $ 299 $ 107 $ 156 $ 30 $ 2,375 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — 1-4 family owner occupied - non-jumbo 800 and above $ 2,280 $ 10,083 $ 7,780 $ 5,425 $ 2,802 $ 9,130 $ 3,029 $ 40,529 750-799 13,233 32,729 21,664 12,306 5,954 19,852 8,462 114,200 700-749 11,696 18,133 11,661 8,136 3,280 20,042 4,482 77,430 650-699 9,576 5,717 4,606 2,524 2,393 12,369 1,500 38,685 600-649 136 1,334 1,694 833 1,096 6,415 84 11,592 550-599 188 624 71 1,705 557 5,390 65 8,600 500-549 — — 1,335 998 413 4,077 — 6,823 Under 500 — 311 462 272 518 1,750 — 3,313 Unknown — — — — — — — — Total $ 37,109 $ 68,931 $ 49,273 $ 32,199 $ 17,013 $ 79,025 $ 17,622 $ 301,172 Accrued interest excluded from total $ 153 $ 235 $ 119 $ 78 $ 56 $ 331 $ 139 $ 1,111 Current period gross charge-offs $ — $ — $ — $ — $ — $ 29 $ — $ 29 1-4 family non-owner occupied 800 and above $ 2,320 $ 6,026 $ 12,338 $ 3,474 $ 3,048 $ 6,030 $ 1,199 $ 34,435 750-799 10,937 16,635 28,051 11,545 6,709 13,400 3,498 90,775 700-749 3,904 7,013 8,825 4,145 667 6,719 2,095 33,368 650-699 216 1,879 1,844 2,543 197 3,521 277 10,477 600-649 — 388 1,445 — 75 1,226 362 3,496 550-599 — 61 52 — — 873 — 986 500-549 — — — — — 142 — 142 Under 500 — — — — — 137 — 137 Unknown — — — — — — — — Total $ 17,377 $ 32,002 $ 52,555 $ 21,707 $ 10,696 $ 32,048 $ 7,431 $ 173,816 Accrued interest excluded from total $ 77 $ 125 $ 149 $ 60 $ 35 $ 146 $ 62 $ 654 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Mortgage - continued (1) Term Loans Amortized Cost Basis by Origination Year Revolving Total 2023 2022 2021 2020 2019 Prior (In thousands) December 31, 2023 - (continued) 1-4 family - 2nd lien 800 and above $ 537 $ 156 $ 703 $ 389 $ 159 $ 1,153 $ 9,817 $ 12,914 750-799 2,260 2,879 2,359 2,341 898 3,084 38,277 52,098 700-749 1,895 1,243 1,464 324 224 2,348 25,849 33,347 650-699 425 285 182 519 302 1,869 8,945 12,527 600-649 51 107 97 67 37 563 1,886 2,808 550-599 — 80 203 — 157 238 638 1,316 500-549 — — 12 — — 487 331 830 Under 500 — 19 — — 77 61 35 192 Unknown — — — — — — — — Total $ 5,168 $ 4,769 $ 5,020 $ 3,640 $ 1,854 $ 9,803 $ 85,778 $ 116,032 Accrued interest excluded from total $ 19 $ 14 $ 10 $ 7 $ 6 $ 41 $ 707 $ 804 Current period gross charge-offs $ — $ — $ — $ — $ — $ 5 $ — $ 5 Resort lending 800 and above $ — $ — $ 99 $ — $ — $ 5,643 $ — $ 5,742 750-799 41 817 910 858 179 12,649 — 15,454 700-749 — 108 871 111 — 5,439 — 6,529 650-699 — — — 316 — 6,219 — 6,535 600-649 — — — 49 — 844 — 893 550-599 — — — — — 267 — 267 500-549 — — — — — 59 — 59 Under 500 — — — — — 137 — 137 Unknown — — — — — — — — Total $ 41 $ 925 $ 1,880 $ 1,334 $ 179 $ 31,257 $ — $ 35,616 Accrued interest excluded from total $ — $ 4 $ 3 $ 4 $ — $ 142 $ — $ 153 Current period gross charge-offs $ — $ — $ — $ — $ — $ 120 $ — $ 120 Total Mortgage 800 and above $ 11,436 $ 47,054 $ 84,297 $ 26,960 $ 10,512 $ 30,769 $ 15,129 $ 226,157 750-799 69,197 170,514 246,571 89,036 38,028 63,821 51,823 728,990 700-749 32,460 78,488 89,418 37,886 8,909 46,316 33,926 327,403 650-699 21,491 21,685 31,280 18,851 5,034 29,859 10,722 138,922 600-649 1,825 9,644 5,722 1,454 4,406 11,640 2,332 37,023 550-599 188 765 853 3,613 714 6,768 703 13,604 500-549 — 544 1,347 1,921 413 5,438 331 9,994 Under 500 — 330 462 272 595 2,085 35 3,779 Unknown — — — — — — — — Total $ 136,597 $ 329,024 $ 459,950 $ 179,993 $ 68,611 $ 196,696 $ 115,001 $ 1,485,872 Accrued interest excluded from total $ 578 $ 1,047 $ 1,066 $ 448 $ 204 $ 816 $ 938 $ 5,097 Current period gross charge-offs $ — $ — $ — $ — $ — $ 154 $ — $ 154 (1) Credit scores have been updated within the last twelve months. Installment (1) Term Loans Amortized Cost Basis by Origination Year 2024 2023 2022 2021 2020 Prior Total (In thousands) September 30, 2024 Boat lending 800 and above $ 7,364 $ 5,486 $ 9,270 $ 7,411 $ 4,120 $ 10,402 $ 44,053 750-799 23,978 30,812 29,384 25,314 12,030 27,440 148,958 700-749 10,748 11,009 12,029 10,082 4,108 10,049 58,025 650-699 2,496 2,441 2,879 3,264 1,254 3,061 15,395 600-649 — 971 880 635 209 826 3,521 550-599 — 88 227 252 75 394 1,036 500-549 — 17 75 181 137 114 524 Under 500 — 36 — — — 98 134 Unknown — — — — — — — Total $ 44,586 $ 50,860 $ 54,744 $ 47,139 $ 21,933 $ 52,384 $ 271,646 Accrued interest excluded from total $ 172 $ 194 $ 130 $ 107 $ 48 $ 113 $ 764 Current period gross charge-offs $ — $ 8 $ 31 $ 8 $ 49 $ 53 $ 149 Recreational vehicle lending 800 and above $ 1,669 $ 3,747 $ 9,836 $ 10,072 $ 3,569 $ 7,083 $ 35,976 750-799 10,758 12,372 36,098 33,234 9,720 16,312 118,494 700-749 4,168 5,496 14,956 17,670 4,615 5,986 52,891 650-699 1,314 2,357 4,286 5,324 1,353 1,864 16,498 600-649 72 456 1,856 1,863 247 665 5,159 550-599 22 201 266 897 85 291 1,762 500-549 — 118 542 576 229 355 1,820 Under 500 — — 235 159 32 41 467 Unknown — — — — — — — Total $ 18,003 $ 24,747 $ 68,075 $ 69,795 $ 19,850 $ 32,597 $ 233,067 Accrued interest excluded from total $ 67 $ 93 $ 176 $ 161 $ 43 $ 71 $ 611 Current period gross charge-offs $ — $ 42 $ 152 $ 322 $ 42 $ 109 $ 667 Other 800 and above $ 1,821 $ 1,091 $ 1,569 $ 1,149 $ 623 $ 1,001 $ 7,254 750-799 8,378 8,792 8,038 4,948 2,472 4,833 37,461 700-749 14,735 5,995 5,097 3,451 1,392 3,247 33,917 650-699 11,082 1,891 1,937 1,038 524 1,464 17,936 600-649 260 417 554 390 104 330 2,055 550-599 8 157 221 177 52 137 752 500-549 6 40 238 224 65 110 683 Under 500 — 40 90 50 — 9 189 Unknown 680 — — — — — 680 Total $ 36,970 $ 18,423 $ 17,744 $ 11,427 $ 5,232 $ 11,131 $ 100,927 Accrued interest excluded from total $ 78 $ 70 $ 42 $ 24 $ 10 $ 65 $ 289 Current period gross charge-offs $ 1,327 $ 69 $ 92 $ 17 $ 8 $ 91 $ 1,604 Installment (1) Term Loans Amortized Cost Basis by Origination Year 2024 2023 2022 2021 2020 Prior Total (In thousands) September 30, 2024 - continued Total installment 800 and above $ 10,854 $ 10,324 $ 20,675 $ 18,632 $ 8,312 $ 18,486 $ 87,283 750-799 43,114 51,976 73,520 63,496 24,222 48,585 304,913 700-749 29,651 22,500 32,082 31,203 10,115 19,282 144,833 650-699 14,892 6,689 9,102 9,626 3,131 6,389 49,829 600-649 332 1,844 3,290 2,888 560 1,821 10,735 550-599 30 446 714 1,326 212 822 3,550 500-549 6 175 855 981 431 579 3,027 Under 500 — 76 325 209 32 148 790 Unknown 680 — — — — — 680 Total $ 99,559 $ 94,030 $ 140,563 $ 128,361 $ 47,015 $ 96,112 $ 605,640 Accrued interest excluded from total $ 317 $ 357 $ 348 $ 292 $ 101 $ 249 $ 1,664 Current period gross charge-offs $ 1,327 $ 119 $ 275 $ 347 $ 99 $ 253 $ 2,420 Installment - continued (1) Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Total (In thousands) December 31, 2023 Boat lending 800 and above $ 6,110 $ 8,150 $ 8,250 $ 3,612 $ 4,061 $ 7,665 $ 37,848 750-799 34,174 35,921 29,665 16,329 13,173 21,432 150,694 700-749 15,593 15,042 11,859 4,481 4,757 7,279 59,011 650-699 3,652 3,029 4,277 1,545 1,237 2,842 16,582 600-649 281 432 808 268 171 620 2,580 550-599 85 344 229 139 108 335 1,240 500-549 — 152 207 97 — 198 654 Under 500 — — — — — 39 39 Unknown — — — — — — — Total $ 59,895 $ 63,070 $ 55,295 $ 26,471 $ 23,507 $ 40,410 $ 268,648 Accrued interest excluded from total $ 216 $ 154 $ 132 $ 63 $ 58 $ 91 $ 714 Current period gross charge-offs $ — $ 53 $ — $ — $ 15 $ 53 $ 121 Recreational vehicle lending 800 and above $ 3,168 $ 10,759 $ 11,568 $ 3,484 $ 3,838 $ 5,482 $ 38,299 750-799 15,677 41,037 39,113 13,025 8,415 11,934 129,201 700-749 6,481 18,630 20,161 5,243 3,689 4,460 58,664 650-699 2,524 5,108 6,073 1,706 936 1,157 17,504 600-649 713 724 1,573 394 308 429 4,141 550-599 90 304 973 71 249 383 2,070 500-549 — 880 326 153 136 154 1,649 Under 500 — 108 106 34 70 6 324 Unknown — — — — — — — Total $ 28,653 $ 77,550 $ 79,893 $ 24,110 $ 17,641 $ 24,005 $ 251,852 Accrued interest excluded from total $ 112 $ 201 $ 189 $ 56 $ 44 $ 53 $ 655 Current period gross charge-offs $ 28 $ 122 $ 192 $ 32 $ 81 $ 11 $ 466 Other 800 and above $ 1,599 $ 1,673 $ 1,633 $ 897 $ 582 $ 756 $ 7,140 750-799 11,782 11,017 6,600 3,557 1,622 4,077 38,655 700-749 16,717 6,564 5,013 2,268 1,047 3,361 34,970 650-699 12,483 2,997 1,494 627 266 1,390 19,257 600-649 515 605 395 138 107 410 2,170 550-599 49 329 294 35 53 176 936 500-549 98 260 246 43 31 72 750 Under 500 — 97 65 14 57 38 271 Unknown 649 — — — — — 649 Total $ 43,892 $ 23,542 $ 15,740 $ 7,579 $ 3,765 $ 10,280 $ 104,798 Accrued interest excluded from total $ 101 $ 62 $ 34 $ 17 $ 10 $ 67 $ 291 Current period gross charge-offs $ 1,677 $ 104 $ 44 $ 17 $ 12 $ 147 $ 2,001 Total installment 800 and above $ 10,877 $ 20,582 $ 21,451 $ 7,993 $ 8,481 $ 13,903 $ 83,287 750-799 61,633 87,975 75,378 32,911 23,210 37,443 318,550 700-749 38,791 40,236 37,033 11,992 9,493 15,100 152,645 650-699 18,659 11,134 11,844 3,878 2,439 5,389 53,343 600-649 1,509 1,761 2,776 800 586 1,459 8,891 550-599 224 977 1,496 245 410 894 4,246 500-549 98 1,292 779 293 167 424 3,053 Under 500 — 205 171 48 127 83 634 Unknown 649 — — — — — 649 Total $ 132,440 $ 164,162 $ 150,928 $ 58,160 $ 44,913 $ 74,695 $ 625,298 Accrued interest excluded from total $ 429 $ 417 $ 355 $ 136 $ 112 $ 211 $ 1,660 Current period gross charge-offs $ 1,705 $ 279 $ 236 $ 49 $ 108 $ 211 $ 2,588 (1) Credit scores have been updated within the last twelve months.

Shareholders' Equity and Earn_2

Shareholders' Equity and Earnings Per Common Share (Tables)	9 Months Ended
	Sep. 30, 2024
Stockholders' Equity Note [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	A reconciliation of basic and diluted net income per common share follows: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In thousands, except Net income $ 13,810 $ 17,543 $ 48,329 $ 45,324 Weighted average shares outstanding (1) 20,896 20,922 20,892 21,021 Stock units for deferred compensation plan for non-employee directors 182 163 178 157 Performance share units 34 21 27 17 Effect of stock options 3 8 3 12 Weighted average shares outstanding for calculation of diluted earnings per share 21,115 21,114 21,100 21,207 Net income per common share Basic (1) $ 0.66 $ 0.84 $ 2.31 $ 2.16 Diluted $ 0.65 $ 0.83 $ 2.29 $ 2.14 (1) Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments According to Type of Hedge Designation	Our derivative financial instruments according to the type of hedge in which they are designated follows: September 30, 2024 Notional Average Fair (Dollars in thousands) Fair value hedge designation Pay-fixed interest rate swap agreement - commercial $ 5,745 4.6 $ 239 Pay-fixed interest rate swap agreements - securities available for sale 148,895 3.1 11,259 Pay-fixed interest rate swap agreements - installment 100,000 2.7 (1,741) Pay-fixed interest rate swap agreements - mortgage 150,000 2.8 (2,779) Interest rate cap agreements - securities available for sale 40,970 3.6 181 Total $ 445,610 2.9 $ 7,159 Cash flow hedge designation Interest rate floor agreements - commercial $ 325,000 2.5 $ 7,281 No hedge designation Rate-lock mortgage loan commitments $ 26,947 0.1 $ 253 Mandatory commitments to sell mortgage loans 40,399 0.1 25 Pay-fixed interest rate swap agreements - commercial 492,129 5.2 (1,313) Pay-variable interest rate swap agreements - commercial 492,129 5.2 1,313 Total $ 1,051,604 4.9 $ 278 December 31, 2023 Notional Average Fair (Dollars in thousands) Fair value hedge designation Pay-fixed interest rate swap agreement - commercial $ 6,033 5.4 $ 349 Pay-fixed interest rate swap agreements - securities available for sale 148,895 3.9 15,287 Pay-fixed interest rate swap agreements - installment 100,000 3.4 (1,228) Pay-fixed interest rate swap agreements - mortgage 100,000 4.3 (2,131) Interest rate cap agreements - securities available for sale 40,970 4.3 456 Total $ 395,898 3.9 $ 12,733 Cash flow hedge designation Interest rate floor agreements - commercial $ 150,000 3.5 $ 4,221 No hedge designation Rate-lock mortgage loan commitments 18,081 0.1 173 Mandatory commitments to sell mortgage loans 30,442 0.1 (279) Pay-fixed interest rate swap agreements - commercial 379,012 5.9 7,169 Pay-variable interest rate swap agreements - commercial 379,012 5.9 (7,169) Total $ 806,547 5.5 $ (106)
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value	Fair Values of Derivative Instruments Asset Derivatives Liability Derivatives September 30, December 31, September 30, December 31, Balance Fair Balance Fair Balance Fair Balance Fair (In thousands) Derivatives designated as hedging instruments Pay-fixed interest rate swap agreements Other assets $ 11,519 Other assets $ 15,636 Other liabilities $ 4,541 Other liabilities $ 3,359 Interest rate cap agreements Other assets 181 Other assets 456 Other liabilities — Other liabilities — Interest rate floor agreements Other assets 7,281 Other assets 4,221 Other liabilities — Other liabilities — 18,981 20,313 4,541 3,359 Derivatives not designated as hedging instruments Rate-lock mortgage loan commitments Other assets 253 Other assets 173 Other liabilities — Other liabilities — Mandatory commitments to sell mortgage loans Other assets 25 Other assets — Other liabilities — Other liabilities 279 Pay-fixed interest rate swap agreements - commercial Other assets 9,101 Other assets 12,683 Other liabilities 10,414 Other liabilities 5,514 Pay-variable interest rate swap agreements - commercial Other assets 10,414 Other assets 5,514 Other liabilities 9,101 Other liabilities 12,683 19,793 18,370 19,515 18,476 Total derivatives $ 38,774 $ 38,683 $ 24,056 $ 21,835
Derivative Instruments, Gain (Loss)	The effect of derivative financial instruments on the Condensed Consolidated Statements of Operations follows: Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion) Location of Gain (Loss) Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) Gain (Loss) Three Month Three Month Location of Three Month 2024 2023 2024 2023 2024 2023 (In thousands) Fair Value Hedges Pay-fixed interest rate swap agreement - commercial Interest and fees on loans $ (184) $ 96 Pay-fixed interest rate swap agreements - securities available for sale Interest on securities available for sale - tax - exempt (4,882) 926 Pay-fixed interest rate swap agreements - Installment Interest and fees on loans (2,421) 765 Pay-fixed interest rate swap agreements - Mortgage Interest and fees on loans (2,940) 785 Interest rate cap agreements - securities available for sale $ (255) $ (25) Interest on securities available for sale - tax - exempt $ (57) $ (55) Interest on securities available for sale - tax - exempt (119) 39 Interest rate cap agreements - installment — — Interest and fees on loans — — Interest and fees on loans — — Total $ (255) $ (25) $ (57) $ (55) $ (10,546) $ 2,611 Cash Flow Hedges Interest rate floor agreements - commercial $ 2,999 $ (502) Interest and fees on loans $ (333) $ (17) Interest and fees on loans $ (333) $ (17) No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 111 $ (147) Mandatory commitments to sell mortgage loans Net gains on mortgage loans (122) 238 Pay-fixed interest rate swap agreements - commercial Interest income (15,031) $ 5,579 Pay-variable interest rate swap agreements - commercial Interest income 15,031 (5,579) Pay-variable interest rate swap agreement Non-interest expense - other — $ — Total $ (11) $ 91 Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion) Location of Gain (Loss) Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion) Gain (Loss) Nine Month Nine Month Location of Nine Month 2024 2023 2024 2023 2024 2023 (In thousands) Fair Value Hedges Pay-fixed interest rate swap agreement - commercial Interest and fees on loans $ (110) $ 113 Pay-fixed interest rate swap agreements - securities available for sale Interest on securities available for sale - tax - exempt (4,028) 550 Pay-fixed interest rate swap agreements - Installment Interest and fees on loans (513) 1,362 Pay-fixed interest rate swap agreements - Mortgage Interest and fees on loans (648) 785 Interest rate cap agreements - securities available for sale $ (194) $ (438) Interest on securities available for sale - tax - exempt $ (167) $ (207) Interest on securities available for sale - tax - exempt (81) 286 Interest rate cap agreements - installment — — Interest and fees on loans — — Interest and fees on loans — (14) Total $ (194) $ (438) $ (167) $ (207) $ (5,380) $ 3,082 Cash Flow Hedges Interest rate floor agreements - commercial $ 246 $ (502) Interest and fees on loans $ (838) $ (17) Interest and fees on loans $ (838) $ (17) No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 80 $ 916 Mandatory commitments to sell mortgage loans Net gains on mortgage loans 304 169 Pay-fixed interest rate swap agreements - commercial Interest income (8,482) 4,694 Pay-variable interest rate swap agreements - commercial Interest income 8,482 (4,694) Pay-variable interest rate swap agreement Non-interest expense - other — (12) Total $ 384 $ 1,073

Goodwill and Other Intangibles

Goodwill and Other Intangibles (Tables)	9 Months Ended
	Sep. 30, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Acquired Finite-Lived Intangible Assets by Major Class	The following table summarizes intangible assets, net of amortization: September 30, 2024 December 31, 2023 Gross Accumulated Gross Accumulated (In thousands) Amortized intangible assets - core deposits $ 11,916 $ 10,299 $ 11,916 $ 9,912 Unamortized intangible assets - goodwill $ 28,300 $ 28,300
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense	A summary of estimated core deposits intangible amortization at September 30, 2024 follows: (In thousands) Three months ending December 31, 2024 129 2025 487 2026 460 2027 434 2028 107 Total $ 1,617

Share Based Compensation (Table

Share Based Compensation (Tables)	9 Months Ended
	Sep. 30, 2024
Share-Based Payment Arrangement [Abstract]
Restricted Stock and Performance Stock Units Granted	A summary of restricted stock and performance stock units (“PSU”) granted pursuant to our long-term incentive plan follows: Three Months Ended Nine Months Ended 2024 2023 2024 2023 Restricted stock — — 81,355 84,846 PSU — — 18,822 18,790
Share-Based Payment Arrangement, Option, Activity	A summary of outstanding stock option grants and related transactions follows: Number of Average Weighted- Aggregated (In thousands) Outstanding at January 1, 2024 11,724 $ 11.73 Granted — — Exercised (5,583) 8.96 Forfeited — — Expired — — Outstanding at September 30, 2024 6,141 $ 14.24 2.5 $ 117 Vested and expected to vest at September 30, 2024 6,141 $ 14.24 2.5 $ 117 Exercisable at September 30, 2024 6,141 $ 14.24 2.5 $ 117
Schedule of Nonvested Restricted Stock Units Activity	A summary of outstanding non-vested stock and related transactions follows: Number Weighted- Outstanding at January 1, 2024 269,233 $ 22.93 Granted 100,177 24.53 Vested (95,498) 20.49 Forfeited (8,066) 23.99 Outstanding at September 30, 2024 265,846 $ 24.38
Cash Proceeds Received and Tax Benefit from Share-Based Payment Awards	Certain information regarding options exercised during the periods follows: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In thousands) (In thousands) Intrinsic value $ — $ — $ 91 $ 299 Cash proceeds received $ — $ — $ — $ 148 Tax benefit realized $ — $ — $ 19 $ 63

Regulatory Matters (Tables)

Regulatory Matters (Tables)	9 Months Ended
	Sep. 30, 2024
Regulatory Matters [Abstract]
Capital Amounts and Ratios	Our actual capital amounts and ratios follow (1): Actual Minimum for Minimum for Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) September 30, 2024 Total capital to risk-weighted assets Consolidated $ 606,783 14.25 % $ 340,539 8.00 % NA NA Independent Bank 552,577 13.00 340,134 8.00 $ 425,167 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 513,461 12.06 % $ 255,404 6.00 % NA NA Independent Bank 499,317 11.74 255,100 6.00 $ 340,134 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 474,906 11.16 % $ 191,553 4.50 % NA NA Independent Bank 499,317 11.74 191,325 4.50 $ 276,359 6.50 % Tier 1 capital to average assets Consolidated $ 513,461 9.62 % $ 213,392 4.00 % NA NA Independent Bank 499,317 9.36 213,370 4.00 $ 266,712 5.00 % December 31, 2023 Total capital to risk-weighted assets Consolidated $ 573,972 13.71 % $ 335,014 8.00 % NA NA Independent Bank 521,374 12.46 334,673 8.00 $ 418,341 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 481,569 11.50 % $ 251,260 6.00 % NA NA Independent Bank 469,023 11.21 251,005 6.00 $ 334,673 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 443,065 10.58 % $ 188,445 4.50 % NA NA Independent Bank 469,023 11.21 188,254 4.50 $ 271,922 6.50 % Tier 1 capital to average assets Consolidated $ 481,569 9.03 % $ 213,227 4.00 % NA NA Independent Bank 469,023 8.80 213,180 4.00 $ 266,475 5.00 % _______________________________________ (1) These ratios do not reflect a capital conservation buffer of 2.50% at September 30, 2024 and December 31, 2023. NA - Not applicable
Regulatory Capital	The components of our regulatory capital are as follows: Consolidated Independent Bank September 30, December 31, September 30, December 31, (In thousands) Total shareholders' equity $ 452,369 $ 404,449 $ 476,780 $ 430,407 Add (deduct) Accumulated other comprehensive (income) loss for regulatory purposes 52,454 66,344 52,454 66,344 Goodwill and other intangibles (29,917) (30,304) (29,917) (30,304) CECL (1) — 2,576 — 2,576 Common equity tier 1 capital 474,906 443,065 499,317 469,023 Qualifying trust preferred securities 38,555 38,504 — — Tier 1 capital 513,461 481,569 499,317 469,023 Subordinated debt 40,000 40,000 — — Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets 53,322 52,403 53,260 52,351 Total risk-based capital $ 606,783 $ 573,972 $ 552,577 $ 521,374 (1) We elected the three

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	9 Months Ended
	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Fair Value Measurements, Recurring and Nonrecurring	Assets and liabilities measured at fair value, including financial assets for which we have elected the fair value option, were as follows: Fair Value Measurements Using Fair Value Quoted Significant Significant (In thousands) September 30, 2024: Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 8,538 $ — $ 8,538 $ — U.S. agency residential mortgage-backed 76,091 — 76,091 — U.S. agency commercial mortgage-backed 12,073 — 12,073 — Private label mortgage-backed 76,603 — 76,603 — Other asset backed 43,764 — 43,764 — Obligations of states and political subdivisions 300,068 — 300,068 — Corporate 70,857 — 70,857 — Trust preferred 956 — 956 — Loans held for sale, carried at fair value 14,029 — 14,029 — Capitalized mortgage loan servicing rights 40,204 — — 40,204 Derivatives (1) 38,774 — 38,774 — Liabilities Derivatives (2) 24,056 — 24,056 — Measured at Fair Value on a Non-recurring Basis: Assets Collateral dependent loans (3) Commercial Commercial and industrial 4,253 — — 4,253 Commercial real estate 132 — — 132 Mortgage 1-4 family owner occupied - non-jumbo 662 — — 662 1-4 family non-owner occupied 56 — — 56 1-4 family - 2nd lien 166 — — 166 Resort lending 92 — — 92 Installment Boat lending 57 — — 57 Recreational vehicle lending 175 — — 175 Other 42 — — 42 ________________________________ (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes individually evaluated loans with specific loss allocations based on collateral value. Fair Value Measurements Using Fair Value Quoted Significant Significant (In thousands) December 31, 2023: Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 9,507 $ — $ 9,507 $ — U.S. agency residential mortgage-backed 81,217 — 81,217 — U.S. agency commercial mortgage-backed 12,297 — 12,297 — Private label mortgage-backed 86,469 — 86,469 — Other asset backed 112,931 — 112,931 — Obligations of states and political subdivisions 302,737 — 302,737 — Corporate 73,250 — 73,250 — Trust preferred 942 — 942 — Loans held for sale, carried at fair value 12,063 — 12,063 — Capitalized mortgage loan servicing rights 42,243 — — 42,243 Derivatives (1) 38,683 — 38,683 — Liabilities Derivatives (2) 21,835 — 21,835 — Measured at Fair Value on a Non-recurring Basis: Assets Collateral dependent loans (3) Commercial Commercial and industrial 551 — — 551 Mortgage 1-4 family owner occupied - non-jumbo 732 — — 732 1-4 family non-owner occupied 33 — — 33 1-4 family - 2nd lien 157 — — 157 Resort lending 92 — — 92 Installment Boat lending 192 — — 192 Recreational vehicle lending 196 — — 196 Other 66 — — 66 _________________________________ (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes impaired loans with specific loss allocations based on collateral value.
Fair Value Option, Disclosures	Changes in fair values for financial assets which we have elected the fair value option for the periods presented were as follows: Changes in Fair Values for the Nine Month Periods Ended September 30 for items Measured at Fair Value Pursuant to Election of the Fair Value Option Net Gains Mortgage Total Mortgage (In thousands) 2024 Loans held for sale $ 215 $ — $ 215 Capitalized mortgage loan servicing rights — (4,995) (4,995) 2023 Loans held for sale 1,519 — 1,519 Capitalized mortgage loan servicing rights — 456 456
Reconciliation for all Assets Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3)	A reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) follows: Capitalized Mortgage Loan Servicing Rights Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In thousands) (In thousands) Beginning balance $ 44,406 $ 44,427 $ 42,243 $ 42,489 Total gains (losses) realized and unrealized: Included in results of operations (5,378) 471 (4,995) 456 Included in other comprehensive loss — — — — Purchases, issuances, settlements, maturities and calls 1,176 1,159 2,956 3,112 Transfers in and/or out of Level 3 — — — — Ending balance $ 40,204 $ 46,057 $ 40,204 $ 46,057 Amount of total gains (losses) for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at September 30 $ (5,378) $ 471 $ (4,995) $ 456
Fair Value Measurement Inputs and Valuation Techniques (Level 3)	Quantitative information about our Level 3 fair value measurements measured on a recurring basis follows: Asset Valuation Unobservable Range Weighted (In thousands) September 30, 2024 Capitalized mortgage loan servicing rights $ 40,204 Present value of net servicing revenue Discount rate 10.00% to 14.99% 10.25 % Cost to service $69 to $463 $ 79 Ancillary income 20 to 30 20 Float rate 3.53 % Prepayment rate 6.56% to 29.02% 10.02 % December 31, 2023 Capitalized mortgage loan servicing rights $ 42,243 Present value of net servicing revenue Discount rate 10.00% to 14.27% 10.25 % Cost to service $70 to $442 $ 79 Ancillary income 20 to 30 20 Float rate 3.82 % Prepayment rate 6.56% to 26.47% 8.50% Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows: Asset Valuation Unobservable Range Weighted (In thousands) September 30, 2024 Collateral dependent loans Commercial(1) $ 4,385 Discounting financial statement and machinery and equipment appraised values Discount rates used 40.0% to 50.0% 42.8 % Sales comparison approach Adjustment for differences between comparable sales (20.0)% to 35.0% (2.4) % Mortgage and Installment(2) 1,250 Sales comparison approach Adjustment for differences between comparable sales (12.7) to 21.7 1.3 December 31, 2023 Collateral dependent loans Commercial $ 551 Sales comparison approach Adjustment for differences between comparable sales (5.0)% to 6.0% (0.4) % Mortgage and Installment(2) 1,468 Sales comparison approach Adjustment for differences between comparable sales (4.1) to 10.5 3.1 (1) $3.5 million of this amount primarily relates to one collateral dependent relationship credit. Collateral securing this relationship primarily included accounts receivable, inventory and machinery and equipment at September 30, 2024. Valuation techniques at September 30, 2024 included discounting financial statement values for accounts receivable and inventory and appraised values for machinery and equipment. (2) In addition to the valuation techniques and unobservable inputs discussed above, at September 30, 2024 and December 31, 2023 certain collateral dependent installment loans totaling approximately $0.27 million and $0.45 million, respectively, are secured by collateral other than real estate. For the majority of these loans, we apply internal discount rates to industry valuation guides.
Aggregate Fair Value and Aggregate Remaining Contractual Principal Balance for Loans Held for Sale	The following table reflects the difference between the aggregate fair value and the aggregate remaining contractual principal balance outstanding for loans held for sale for which the fair value option has been elected for the periods presented. Aggregate Difference Contractual (In thousands) Loans held for sale September 30, 2024 $ 14,029 $ 154 $ 13,875 December 31, 2023 12,063 (61) 12,124

Fair Values of Financial Inst_2

Fair Values of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2024
Fair Values of Financial Instruments [Abstract]
Estimated Recorded Book Balances and Fair Values	The estimated recorded book balances and fair values follow: Fair Value Using Recorded Fair Value Quoted Significant Significant (In thousands) September 30, 2024 Assets Cash and due from banks $ 61,503 $ 61,503 $ 61,503 $ — $ — Interest bearing deposits 60,057 60,057 60,057 — — Securities available for sale 588,950 588,950 — 588,950 — Securities held to maturity 343,362 314,638 — 314,638 — Federal Home Loan Bank and Federal Reserve Bank Stock 16,099 NA NA NA NA Net loans and loans held for sale 3,898,872 3,732,864 — 14,029 3,718,835 Accrued interest receivable 18,809 18,809 134 5,339 13,336 Derivative financial instruments 38,774 38,774 — 38,774 — Liabilities Deposits with no stated maturity (1) $ 3,850,142 $ 3,850,142 $ 3,850,142 $ — $ — Deposits with stated maturity (1) 776,733 775,042 — 775,042 — Other borrowings — — — — — Subordinated debt 39,567 39,687 — 39,687 — Subordinated debentures 39,779 39,733 — 39,733 — Accrued interest payable 4,215 4,215 427 3,788 — Derivative financial instruments 24,056 24,056 — 24,056 — December 31, 2023 Assets Cash and due from banks $ 68,208 $ 68,208 $ 68,208 $ — $ — Interest bearing deposits 101,573 101,573 101,573 — — Securities available for sale 679,350 679,350 — 679,350 — Securities held to maturity 353,988 318,606 — 318,606 — Federal Home Loan Bank and Federal Reserve Bank Stock 16,821 NA NA NA NA Net loans and loans held for sale 3,748,306 3,453,790 — 12,063 3,441,727 Accrued interest receivable 19,044 19,044 58 6,486 12,500 Derivative financial instruments 38,683 38,683 — 38,683 — Liabilities Deposits with no stated maturity (1) $ 3,704,808 $ 3,704,808 $ 3,704,808 $ — $ — Deposits with stated maturity (1) 918,071 914,404 — 914,404 — Other borrowings 50,026 49,831 — 49,831 — Subordinated debt 39,510 40,352 — 40,352 — Subordinated debentures 39,728 38,103 — 38,103 — Accrued interest payable 6,534 6,534 482 6,052 — Derivative financial instruments 21,835 21,835 — 21,835 — (1) Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $878.832 million and $723.014 million at September 30, 2024 and December 31, 2023, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $116.637 million and $109.006 million at September 30, 2024 and December 31, 2023, respectively.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss ("AOCL") (Tables)	9 Months Ended
	Sep. 30, 2024
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of Accumulated Other Comprehensive Loss	A summary of changes in AOCL follows: Unrealized Losses on Securities AFS Unrealized Dispropor- Unrealized Gains (Losses) on Derivative Instruments Total (In thousands) For the three months ended September 30, 2024 Balances at beginning of period $ (49,482) $ (14,084) $ (5,798) $ (1,464) $ (70,828) Other comprehensive income (loss) before reclassifications 9,340 646 — 2,168 12,154 Amounts reclassified from AOCL 114 — — 308 422 Net current period other comprehensive income (loss) 9,454 646 — 2,476 12,576 Balances at end of period $ (40,028) $ (13,438) $ (5,798) $ 1,012 $ (58,252) 2023 Balances at beginning of period $ (57,695) $ (16,811) $ (5,798) $ (206) $ (80,510) Other comprehensive income (loss) before reclassifications (12,130) 696 — (417) (11,851) Amounts reclassified from AOCL — — — 57 57 Net current period other comprehensive income (loss) (12,130) 696 — (360) (11,794) Balances at end of period $ (69,825) $ (16,115) $ (5,798) $ (566) $ (92,304) For the nine months ended September 30, 2024 Balances at beginning of period $ (51,113) $ (15,408) $ (5,798) $ 177 $ (72,142) Other comprehensive income (loss) before reclassifications 10,758 1,970 — 41 12,769 Amounts reclassified from AOCL 327 — — 794 1,121 Net current period other comprehensive income (loss) 11,085 1,970 — 835 13,890 Balances at end of period $ (40,028) $ (13,438) $ (5,798) $ 1,012 $ (58,252) 2023 Balances at beginning of period $ (68,742) $ (18,223) $ (5,798) $ — $ (92,763) Other comprehensive income (loss) before reclassifications (1,258) 2,108 — (743) 107 Amounts reclassified from AOCL 175 — — 177 352 Net current period other comprehensive income (loss) (1,083) 2,108 — (566) 459 Balances at end of period $ (69,825) $ (16,115) $ (5,798) $ (566) $ (92,304) (1) Represents the remaining unrealized loss to be accreted on securities that were transferred from AFS to HTM on April 1, 2022.
Reclassifications Out of Each Component of AOCL	AOCL Component Amount Reclassified From AOCL Affected Line Item in Condensed (In thousands) 2024 Unrealized losses on securities available for sale $ (145) Net losses on securities available for sale (31) Income tax expense $ (114) Reclassifications, net of tax Unrealized gains (losses) on derivative instruments $ 390 Interest income 82 Income tax expense $ 308 Reclassifications, net of tax $ (422) Total reclassifications for the period, net of tax 2023 Unrealized losses on securities available for sale $ — Net losses on securities available for sale — Income tax expense $ — Reclassifications, net of tax Unrealized gains (losses) on derivative instruments $ 72 Interest income 15 Income tax expense $ 57 Reclassifications, net of tax $ (57) Total reclassifications for the period, net of tax A summary of reclassifications out of each component of AOCL for the nine months ended September 30 follows: AOCL Component Amount Reclassified From AOCL Affected Line Item in Condensed (In thousands) 2024 Unrealized losses on securities available for sale $ (414) Net losses on securities available for sale (87) Income tax expense $ (327) Reclassifications, net of tax Unrealized gains (losses) on derivative instruments $ 1,005 Interest income 211 Income tax expense $ 794 Reclassifications, net of tax $ (1,121) Total reclassifications for the period, net of tax 2023 Unrealized losses on securities available for sale $ (222) Net losses on securities available for sale (47) Income tax expense $ (175) Reclassifications, net of tax Unrealized gains (losses) on derivative instruments $ 224 Interest income 47 Income tax expense $ 177 Reclassifications, net of tax $ (352) Total reclassifications for the period, net of tax

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	9 Months Ended
	Sep. 30, 2024
Revenue from Contract with Customer [Abstract]
Disaggregation of Revenue	Disaggregation of our revenue sources by attribute follows: Service Other Interchange Investment Total Three months ending September 30, 2024 (In thousands) Retail Overdraft fees $ 2,378 $ — $ — $ — $ 2,378 Account service charges 593 — — — 593 ATM fees — 430 — — 430 Other — 167 — — 167 Business Overdraft fees 114 — — — 114 ATM fees — 13 — — 13 Other — 114 — — 114 Interchange income — — 4,146 — 4,146 Asset management revenue — — — 458 458 Transaction based revenue — — — 423 423 Total $ 3,085 $ 724 $ 4,146 $ 881 $ 8,836 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 724 Investment and insurance commissions 881 Bank owned life insurance (1) 197 Other (1) 1,581 Total $ 3,383 (1) Excluded from the scope of ASC Topic 606. Service Other Interchange Investment Total Three months ending September 30, 2023 (In thousands) Retail Overdraft fees $ 2,090 $ — $ — $ — $ 2,090 Account service charges 1,079 — — — 1,079 ATM fees — 457 — — 457 Other — 247 — — 247 Business Overdraft fees 140 — — — 140 ATM fees — 13 — — 13 Other — 109 — — 109 Interchange income — — 4,100 — 4,100 Asset management revenue — — — 488 488 Transaction based revenue — — — 388 388 Total $ 3,309 $ 826 $ 4,100 $ 876 $ 9,111 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 826 Investment and insurance commissions 876 Bank owned life insurance (1) 124 Other (1) 1,609 Total $ 3,435 (1) Excluded from the scope of ASC Topic 606. Service Other Interchange Investment Total Nine months ending September 30, 2024 (In thousands) Retail Overdraft fees $ 6,788 $ — $ — $ — $ 6,788 Account service charges 1,787 — — — 1,787 ATM fees — 1,225 — — 1,225 Other — 603 — — 603 Business Overdraft fees 319 — — — 319 ATM fees — 37 — — 37 Other — 327 — — 327 Interchange income — — 10,698 — 10,698 Asset management revenue — — — 1,448 1,448 Transaction based revenue — — — 1,075 1,075 Total $ 8,894 $ 2,192 $ 10,698 $ 2,523 $ 24,307 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 2,192 Investment and insurance commissions 2,523 Bank owned life insurance (1) 566 Other (1) 3,537 Total $ 8,818 (1) Excluded from the scope of ASC Topic 606. Service Other Interchange Investment Total Nine months ending September 30, 2023 (In thousands) Retail Overdraft fees $ 6,770 $ — $ — $ — $ 6,770 Account service charges 2,135 — — — 2,135 ATM fees — 1,235 — — 1,235 Other — 756 — — 756 Business Overdraft fees 395 — — — 395 ATM fees — 35 — — 35 Other — 312 — — 312 Interchange income — — 10,660 — 10,660 Asset management revenue — — — 1,389 1,389 Transaction based revenue — — — 1,057 1,057 Total $ 9,300 $ 2,338 $ 10,660 $ 2,446 $ 24,744 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 2,338 Investment and insurance commissions 2,446 Bank owned life insurance (1) 333 Other (1) 4,181 Total $ 9,298 (1) Excluded from the scope of ASC Topic 606.

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 2024
Leases [Abstract]
Lease, Cost	The cost components of our operating leases follows: Three Months Ended Nine Months Ended 2024 2023 2024 2023 (In thousands) (In thousands) Operating lease cost $ 349 $ 359 $ 1,044 $ 1,080 Variable lease cost 10 24 32 72 Short-term lease cost 23 25 70 71 Total $ 382 $ 408 $ 1,146 $ 1,223
Supplemental Balance Sheet Information Related to Operating Leases	Supplemental balance sheet information related to our operating leases follows: September 30, December 31, (Dollars in thousands) Lease right of use asset (1) $ 6,403 $ 4,911 Lease liabilities (2) $ 6,620 $ 5,114 Weighted average remaining lease term (years) 7.24 6.03 Weighted average discount rate 3.7 % 2.7 % (1) Included in Accrued income and other assets (2) Included in Accrued expenses and other liabilities
Lessee, Operating Lease, Liability, Maturity	Maturity analysis of our lease liabilities at September 30, 2024 based on required contractual payments follows: (In thousands) Three months ending December 31, 2024 $ 347 2025 1,348 2026 1,184 2027 1,003 2028 938 2029 and thereafter 2,874 Total lease payments 7,694 Less imputed interest (1,074) Total $ 6,620

Securities - Securities Availab

Securities - Securities Available for Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-Sale [Abstract]
Total securities available-for-sale, amortized cost	$ 639,618	$ 744,050
Unrealized gains	359	464
Unrealized losses	51,027	65,164
Fair Value	588,950	679,350
U.S. agency
Debt Securities, Available-for-Sale [Abstract]
Total securities available-for-sale, amortized cost	9,046	10,299
Unrealized gains	3	5
Unrealized losses	511	797
Fair Value	8,538	9,507
U.S. agency residential mortgage-backed
Debt Securities, Available-for-Sale [Abstract]
Total securities available-for-sale, amortized cost	83,116	90,195
Unrealized gains	66	3
Unrealized losses	7,091	8,981
Fair Value	76,091	81,217
U.S. agency commercial mortgage-backed
Debt Securities, Available-for-Sale [Abstract]
Total securities available-for-sale, amortized cost	13,153	13,706
Unrealized gains	0	0
Unrealized losses	1,080	1,409
Fair Value	12,073	12,297
Private label mortgage-backed
Debt Securities, Available-for-Sale [Abstract]
Total securities available-for-sale, amortized cost	80,409	93,527
Unrealized gains	261	249
Unrealized losses	4,067	7,307
Fair Value	76,603	86,469
Other asset backed
Debt Securities, Available-for-Sale [Abstract]
Total securities available-for-sale, amortized cost	44,325	114,867
Unrealized gains	16	3
Unrealized losses	577	1,939
Fair Value	43,764	112,931
Obligations of states and political subdivisions
Debt Securities, Available-for-Sale [Abstract]
Total securities available-for-sale, amortized cost	334,368	341,177
Unrealized gains	12	204
Unrealized losses	34,312	38,644
Fair Value	300,068	302,737
Corporate
Debt Securities, Available-for-Sale [Abstract]
Total securities available-for-sale, amortized cost	74,216	79,296
Unrealized gains	1	0
Unrealized losses	3,360	6,046
Fair Value	70,857	73,250
Trust preferred
Debt Securities, Available-for-Sale [Abstract]
Total securities available-for-sale, amortized cost	985	983
Unrealized gains	0	0
Unrealized losses	29	41
Fair Value	$ 956	$ 942

Securities - Securities Held to

Securities - Securities Held to Maturity (Details) - USD ($)	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss [Abstract]
Securities held to maturity	$ 343,362,000		$ 353,988,000
Debt securities, held-to-maturity, transferred unrealized loss	17,010,000		19,503,000
Debt securities, held-to-maturity, allowance for credit loss	133,000	$ 155,000	157,000	$ 155,000	$ 160,000	$ 168,000
Total securities held-to-maturity, amortized cost	360,505,000		373,648,000
Debt securities, held-to-maturity, unrealized gains	129,000		868,000
Debt securities, held-to-maturity, unrealized losses	45,996,000		55,910,000
Debt securities, held-to-maturity, fair value	314,638,000		318,606,000
U.S. agency
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss [Abstract]
Securities held to maturity	24,863,000		25,768,000
Debt securities, held-to-maturity, transferred unrealized loss	1,472,000		1,603,000
Debt securities, held-to-maturity, allowance for credit loss	0		0
Total securities held-to-maturity, amortized cost	26,335,000		27,371,000
Debt securities, held-to-maturity, unrealized gains	0		0
Debt securities, held-to-maturity, unrealized losses	4,007,000		4,892,000
Debt securities, held-to-maturity, fair value	22,328,000		22,479,000
U.S. agency residential mortgage-backed
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss [Abstract]
Securities held to maturity	102,733,000		108,770,000
Debt securities, held-to-maturity, transferred unrealized loss	8,933,000		9,715,000
Debt securities, held-to-maturity, allowance for credit loss	0		0
Total securities held-to-maturity, amortized cost	111,666,000		118,485,000
Debt securities, held-to-maturity, unrealized gains	0		0
Debt securities, held-to-maturity, unrealized losses	20,019,000		23,849,000
Debt securities, held-to-maturity, fair value	91,647,000		94,636,000
U.S. agency commercial mortgage-backed
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss [Abstract]
Securities held to maturity	4,045,000		4,146,000
Debt securities, held-to-maturity, transferred unrealized loss	118,000		153,000
Debt securities, held-to-maturity, allowance for credit loss	0		0
Total securities held-to-maturity, amortized cost	4,163,000		4,299,000
Debt securities, held-to-maturity, unrealized gains	0		0
Debt securities, held-to-maturity, unrealized losses	328,000		460,000
Debt securities, held-to-maturity, fair value	3,835,000		3,839,000
Private label mortgage-backed
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss [Abstract]
Securities held to maturity	7,344,000		7,302,000
Debt securities, held-to-maturity, transferred unrealized loss	218,000		302,000
Debt securities, held-to-maturity, allowance for credit loss	1,000	4,000	4,000	4,000	1,000	1,000
Total securities held-to-maturity, amortized cost	7,563,000		7,608,000
Debt securities, held-to-maturity, unrealized gains	0		0
Debt securities, held-to-maturity, unrealized losses	557,000		854,000
Debt securities, held-to-maturity, fair value	7,006,000		6,754,000
Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss [Abstract]
Securities held to maturity	157,525,000		161,352,000
Debt securities, held-to-maturity, transferred unrealized loss	5,653,000		6,879,000
Debt securities, held-to-maturity, allowance for credit loss	17,000	31,000	33,000	33,000	39,000	39,000
Total securities held-to-maturity, amortized cost	163,195,000		168,264,000
Debt securities, held-to-maturity, unrealized gains	129,000		88,000
Debt securities, held-to-maturity, unrealized losses	15,895,000		18,807,000
Debt securities, held-to-maturity, fair value	147,429,000		149,545,000
Corporate
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss [Abstract]
Securities held to maturity	45,900,000		45,702,000
Debt securities, held-to-maturity, transferred unrealized loss	572,000		803,000
Debt securities, held-to-maturity, allowance for credit loss	111,000	116,000	116,000	114,000	116,000	123,000
Total securities held-to-maturity, amortized cost	46,583,000		46,621,000
Debt securities, held-to-maturity, unrealized gains	0		780,000
Debt securities, held-to-maturity, unrealized losses	5,190,000		7,033,000
Debt securities, held-to-maturity, fair value	41,393,000		40,368,000
Trust preferred
Debt Securities, Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss [Abstract]
Securities held to maturity	952,000		948,000
Debt securities, held-to-maturity, transferred unrealized loss	44,000		48,000
Debt securities, held-to-maturity, allowance for credit loss	4,000	$ 4,000	4,000	$ 4,000	$ 4,000	$ 5,000
Total securities held-to-maturity, amortized cost	1,000,000		1,000,000
Debt securities, held-to-maturity, unrealized gains	0		0
Debt securities, held-to-maturity, unrealized losses	0		15,000
Debt securities, held-to-maturity, fair value	$ 1,000,000		$ 985,000

Securities - Narrative (Details

Securities - Narrative (Details)	3 Months Ended				9 Months Ended
	Sep. 30, 2024 USD ($) security	Mar. 31, 2024 USD ($)	Sep. 30, 2023 USD ($)	Mar. 31, 2023 USD ($) security	Sep. 30, 2024 USD ($) security	Sep. 30, 2023 USD ($)	Jun. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)	Jun. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Marketable Securities [Line Items]
Debt securities, available-for-sale, allowance for credit loss	$ 0		$ 0		$ 0	$ 0		$ 0
Debt securities, available-for-sale, accrued interest receivable	3,500,000				3,500,000			4,600,000
Debt securities, held-to-maturity, accrued interest, after allowance for credit loss	1,800,000				1,800,000			1,800,000
Debt securities, held-to-maturity, allowance for credit loss	133,000		155,000		133,000	155,000	$ 155,000	157,000	$ 160,000	$ 168,000
Securities HTM, defaulted, number of securities | security				1
Securities HTM, provision for credit loss, period increase (decrease)				$ 3,000,000
Securities HTM charged against the allowance	0		0	$ 3,000,000	0	3,000,000
Proceeds from sale of held-to-maturity securities		$ 1,100,000
Net gains on equity securities at fair value	$ (8,000)		0		$ 2,685,000	0
U.S. agency
Marketable Securities [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions | security	27				27
Debt securities, held-to-maturity, allowance for credit loss	$ 0				$ 0			0
U.S. agency residential mortgage-backed
Marketable Securities [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions | security	107				107
Debt securities, held-to-maturity, allowance for credit loss	$ 0				$ 0			0
U.S. agency commercial mortgage-backed
Marketable Securities [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions | security	10				10
Debt securities, held-to-maturity, allowance for credit loss	$ 0				$ 0			0
Private label mortgage-backed
Marketable Securities [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions | security	76				76
Debt securities, held-to-maturity, allowance for credit loss	$ 1,000		4,000		$ 1,000	4,000	4,000	4,000	1,000	1,000
Securities HTM charged against the allowance	$ 0		0		$ 0	0
Other asset backed
Marketable Securities [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions | security	53				53
Corporate
Marketable Securities [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions | security	71				71
Debt securities, held-to-maturity, allowance for credit loss	$ 111,000		114,000		$ 111,000	114,000	116,000	116,000	116,000	123,000
Securities HTM charged against the allowance	$ 0		0		$ 0	3,000,000
Obligations of states and political subdivisions
Marketable Securities [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions | security	312				312
Debt securities, held-to-maturity, allowance for credit loss	$ 17,000		33,000		$ 17,000	33,000	$ 31,000	$ 33,000	$ 39,000	$ 39,000
Securities HTM charged against the allowance	$ 0		$ 0		$ 0	$ 0
Debt Security, Government, Non-US
Marketable Securities [Line Items]
Debt securities, available-for-sale, unrealized loss position, number of positions | security	1				1

Securities - Available for Sale

Securities - Available for Sale, Gross Unrealized Losses and Fair Values (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, fair values, less than 12 months	$ 2,611	$ 14,487
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, less than 12 months	3	445
Debt securities, available-for-sale, continuous unrealized loss position, fair values, 12 months or longer	563,367	652,697
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, 12 months or longer	51,024	64,719
Total, fair value	565,978	667,184
Total, unrealized losses	51,027	65,164
U.S. agency
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, fair values, less than 12 months	126	130
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, less than 12 months	0	0
Debt securities, available-for-sale, continuous unrealized loss position, fair values, 12 months or longer	7,839	8,453
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, 12 months or longer	511	797
Total, fair value	7,965	8,583
Total, unrealized losses	511	797
U.S. agency residential mortgage-backed
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, fair values, less than 12 months	44	358
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, less than 12 months	0	1
Debt securities, available-for-sale, continuous unrealized loss position, fair values, 12 months or longer	65,654	80,008
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, 12 months or longer	7,091	8,980
Total, fair value	65,698	80,366
Total, unrealized losses	7,091	8,981
U.S. agency commercial mortgage-backed
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, fair values, less than 12 months	0	0
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, less than 12 months	0	0
Debt securities, available-for-sale, continuous unrealized loss position, fair values, 12 months or longer	12,073	12,297
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, 12 months or longer	1,080	1,409
Total, fair value	12,073	12,297
Total, unrealized losses	1,080	1,409
Private label mortgage-backed
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, fair values, less than 12 months	933	6,285
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, less than 12 months	1	356
Debt securities, available-for-sale, continuous unrealized loss position, fair values, 12 months or longer	74,478	79,507
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, 12 months or longer	4,066	6,951
Total, fair value	75,411	85,792
Total, unrealized losses	4,067	7,307
Other asset backed
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, fair values, less than 12 months	1,508	7,714
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, less than 12 months	2	88
Debt securities, available-for-sale, continuous unrealized loss position, fair values, 12 months or longer	32,939	97,203
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, 12 months or longer	575	1,851
Total, fair value	34,447	104,917
Total, unrealized losses	577	1,939
Obligations of states and political subdivisions
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, fair values, less than 12 months	0	0
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, less than 12 months	0	0
Debt securities, available-for-sale, continuous unrealized loss position, fair values, 12 months or longer	300,068	301,038
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, 12 months or longer	34,312	38,644
Total, fair value	300,068	301,038
Total, unrealized losses	34,312	38,644
Corporate
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, fair values, less than 12 months	0	0
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, less than 12 months	0	0
Debt securities, available-for-sale, continuous unrealized loss position, fair values, 12 months or longer	69,360	73,249
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, 12 months or longer	3,360	6,046
Total, fair value	69,360	73,249
Total, unrealized losses	3,360	6,046
Trust preferred
Debt Securities, Available-for-Sale, Unrealized Loss Position [Line Items]
Debt securities, available-for-sale, continuous unrealized loss position, fair values, less than 12 months	0	0
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, less than 12 months	0	0
Debt securities, available-for-sale, continuous unrealized loss position, fair values, 12 months or longer	956	942
Debt securities, available-for-sale, continuous unrealized loss position, gross unrealized losses, 12 months or longer	29	41
Total, fair value	956	942
Total, unrealized losses	$ 29	$ 41

Securities - Held to Maturity,

Securities - Held to Maturity, Credit Quality (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	$ 343,362	$ 353,988
Private label mortgage-backed
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	7,344	7,302
Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	157,525	161,352
Corporate
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	45,900	45,702
Trust preferred
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	952	948
AAA
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	42,722	43,931
AAA | Private label mortgage-backed
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	7,344	7,302
AAA | Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	35,378	36,629
AAA | Corporate
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	0	0
AAA | Trust preferred
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	0	0
AA
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	103,090	102,583
AA | Private label mortgage-backed
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	0	0
AA | Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	103,090	102,583
AA | Corporate
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	0	0
AA | Trust preferred
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	0	0
A
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	8,475	10,095
A | Private label mortgage-backed
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	0	0
A | Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	3,468	3,172
A | Corporate
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	5,007	6,923
A | Trust preferred
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	0	0
BBB
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	36,646	34,769
BBB | Private label mortgage-backed
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	0	0
BBB | Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	655	856
BBB | Corporate
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	35,991	33,913
BBB | Trust preferred
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	0	0
BB
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	1,958	1,943
BB | Private label mortgage-backed
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	0	0
BB | Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	0	0
BB | Corporate
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	1,958	1,943
BB | Trust preferred
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	0	0
Non-rated
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	18,830	21,983
Non-rated | Private label mortgage-backed
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	0	0
Non-rated | Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	14,934	18,112
Non-rated | Corporate
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	2,944	2,923
Non-rated | Trust preferred
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	952	948
Credit Rated and Non-rated Securities HTM
Debt Securities, Held-to-Maturity, Fair Value to Amortized Cost, after Allowance for Credit Loss [Abstract]
Carrying value	$ 211,721	$ 215,304

Securities - Held-to-Maturity,

Securities - Held-to-Maturity, Allowance for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Mar. 31, 2023	Sep. 30, 2024	Sep. 30, 2023
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 155	$ 160	$ 168	$ 157	$ 168
Provision for credit losses	(22)	(5)		(1,149)	2,987
Recoveries credited to the allowance	0	0		1,125	0
Securities HTM charged against the allowance	0	0	(3,000)	0	(3,000)
Balance at end of period	133	155		133	155
Private label mortgage-backed
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	4	1	1	4	1
Provision for credit losses	(3)	3		(3)	3
Recoveries credited to the allowance	0	0		0	0
Securities HTM charged against the allowance	0	0		0	0
Balance at end of period	1	4		1	4
Obligations of states and political subdivisions
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	31	39	39	33	39
Provision for credit losses	(14)	(6)		(16)	(6)
Recoveries credited to the allowance	0	0		0	0
Securities HTM charged against the allowance	0	0		0	0
Balance at end of period	17	33		17	33
Corporate
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	116	116	123	116	123
Provision for credit losses	(5)	(2)		(1,130)	2,991
Recoveries credited to the allowance	0	0		1,125	0
Securities HTM charged against the allowance	0	0		0	(3,000)
Balance at end of period	111	114		111	114
Trust preferred
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	4	4	$ 5	4	5
Provision for credit losses	0	0		0	(1)
Recoveries credited to the allowance	0	0		0	0
Securities HTM charged against the allowance	0	0		0	0
Balance at end of period	$ 4	$ 4		$ 4	$ 4

Securities - Amortized Cost and

Securities - Amortized Cost and Fair Value Securities Available for Sale and Held to Maturity Contractual Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Debt securities, available-for-sale, amortized cost, maturing within one year	$ 21,647
Debt securities, available-for-sale, amortized cost, maturing after one year but within five years	148,875
Debt securities, available-for-sale, amortized cost, maturing after five years but within ten years	45,741
Debt securities, available-for-sale, amortized cost, maturing after ten years	202,352
Total securities available-for-sale, amortized cost	418,615
Debt securities, available-for-sale, U.S. agency residential mortgage-backed, without single maturity date, amortized cost basis	83,116
Debt securities, available-for-sale, government agency, commercial mortgage backed, without single maturity date, amortized cost basis	13,153
Debt securities, available-for-sale, private label mortgage backed, without single maturity date, amortized cost basis	80,409
Debt securities, available-for-sale, other asset backed, without single maturity date, amortized cost basis	44,325
Total securities available-for-sale, amortized cost	639,618	$ 744,050
Debt Securities, Available-for-Sale, Fair Value, Fiscal Year Maturity [Abstract]
Debt securities, available-for-sale, fair value, maturing within one year	21,262
Debt securities, available-for-sale, fair value, maturing after one year but within five years	140,013
Debt securities, available-for-sale, fair value, maturing after five years but within ten years	41,401
Debt securities, available-for-sale, fair value, maturing after ten years	177,743
Total securities available-for-sale, fair value	380,419
Debt securities, available-for-sale, U.S. agency residential mortgage-backed, without single maturity date, fair value	76,091
Debt securities, available-for-sale, government agency commercial mortgage backed, without single maturity date, fair value	12,073
Debt securities, available-for-sale, private label mortgage-backed, without single maturity date, fair value	76,603
Debt securities, available-for-sale, other asset backed, without single maturity date, fair value	43,764
Total securities available-for-sale, fair value	588,950	679,350
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Maturity [Abstract]
Debt securities, held-to-maturity, amortized cost, maturing within one year	7,457
Debt securities, held-to-maturity, amortized cost, maturing after five years but within ten years	55,599
Debt securities, held-to-maturity, amortized cost, maturing after five years but within ten years	94,300
Debt securities, held-to-maturity, amortized cost, maturing after ten years	79,757
Total securities held-to-maturity, amortized cost	237,113
Debt securities, held-to-maturity, U.S. agency residential mortgage-backed, without single maturity date, amortized cost	111,666
Debt securities, held-to-maturity, U.S. agency commercial mortgage-backed, without single maturity date, amortized cost	4,163
Debt securities, held-to-maturity, private label mortgage-backed, without single maturity date, amortized cost	7,563
Debt securities, held-to-maturity, other asset backed, without single maturity date, amortized cost	0
Total securities held-to-maturity, amortized cost	360,505	373,648
Debt Securities, Held-to-Maturity, Fair Value, Maturity [Abstract]
Debt securities, held-to-maturity, fair value, maturing within one year	7,410
Debt securities, held-to-maturity, fair value, maturing after one year but within five years	52,401
Debt securities, held-to-maturity, fair value, maturing after five years but within ten years	82,813
Debt securities, held-to-maturity, fair value, maturing after ten years	69,526
Total securities held-to-maturity, fair value	212,150
Debt securities, held-to-maturity, U.S. agency residential mortgage-backed, without single maturity date, fair value	91,647
Debt securities, held-to-maturity, U.S. agency commercial mortgage-backed, without single maturity date, fair value	3,835
Debt securities, held-to-maturity, private label mortgage-backed, without single maturity date, fair value	7,006
Debt securities, held-to-maturity, other asset backed, without single maturity date, fair value	0
Total securities held-to-maturity, fair value	$ 314,638	$ 318,606

Securities - Gains and Losses R

Securities - Gains and Losses Realized on Sale of Securities Available for Sale (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Debt Securities, Available-for-Sale, Realized Gain (Loss) [Abstract]
Proceeds from the sale of securities available for sale	$ 39,431	$ 278
Gain on sale of securities available-for-sale	14	0
Loss on sale of securities available-for-sale	$ 428	$ 222

Loans - Allowance for Credit Lo

Loans - Allowance for Credit Losses (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
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 56,241	$ 53,964	$ 54,658	$ 52,435	$ 52,435
Additions (deductions)
Provision for credit losses	1,510	1,355	3,400	3,840
Recoveries credited to the allowance	711	757	2,106	2,082
Loans charged against the allowance	(1,018)	(581)	(2,720)	(2,862)
Balance at end of period	57,444	55,495	57,444	55,495	54,658
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	18,979	16,284	16,724	13,817	13,817
Additions (deductions)
Provision for credit losses	1,082	1,112	3,199	4,350
Recoveries credited to the allowance	101	178	239	436
Loans charged against the allowance	0	(24)	0	(1,053)	(1,054)
Balance at end of period	20,162	17,550	20,162	17,550	16,724
Mortgage
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	20,731	20,080	21,386	21,633	21,633
Additions (deductions)
Provision for credit losses	(1,004)	(170)	(1,524)	(1,835)
Recoveries credited to the allowance	131	112	270	255
Loans charged against the allowance	(26)	0	(300)	(31)	(154)
Balance at end of period	19,832	20,022	19,832	20,022	21,386
Installment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	3,901	4,315	4,126	4,290	4,290
Additions (deductions)
Provision for credit losses	1,156	(42)	1,241	280
Recoveries credited to the allowance	479	467	1,597	1,391
Loans charged against the allowance	(992)	(557)	(2,420)	(1,778)
Balance at end of period	4,544	4,183	4,544	4,183	4,126
Subjective Allocation
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	12,630	13,285	12,422	12,695	12,695
Additions (deductions)
Provision for credit losses	276	455	484	1,045
Recoveries credited to the allowance	0	0	0	0
Loans charged against the allowance	0	0	0	0
Balance at end of period	$ 12,906	$ 13,740	$ 12,906	$ 13,740	$ 12,422

Loans - Receivables Past Due (D

Loans - Receivables Past Due (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Non performing loans [Abstract]
Non- Accrual with no Allowance for Credit Loss	$ 3,179	$ 1,119
Non- Accrual with an Allowance for Credit Loss	1,969	3,681
Total Non- Accrual	5,148	4,800
90+ and Still Accruing	0	432
Accrued interest excluded from total	13,336	12,500
Financial Asset, Equal to or Greater than 90 Days Past Due
Non performing loans [Abstract]
Accrued interest excluded from total	0	0
Commercial and industrial
Non performing loans [Abstract]
Government guaranteed loans excluded from non-performing loans	9	21
1-4 family owner occupied - non-jumbo
Non performing loans [Abstract]
Government guaranteed loans excluded from non-performing loans	2,093	2,170
Commercial
Non performing loans [Abstract]
Accrued interest excluded from total	6,298	5,743
Commercial | Commercial and industrial
Non performing loans [Abstract]
Non- Accrual with no Allowance for Credit Loss	0	0
Non- Accrual with an Allowance for Credit Loss	50	7
Total Non- Accrual	50	7
90+ and Still Accruing	0	0
Accrued interest excluded from total	3,441	2,710
Commercial | Commercial real estate
Non performing loans [Abstract]
Non- Accrual with no Allowance for Credit Loss	0	0
Non- Accrual with an Allowance for Credit Loss	0	0
Total Non- Accrual	0	0
90+ and Still Accruing	0	0
Accrued interest excluded from total	2,857	3,033
Mortgage
Non performing loans [Abstract]
Accrued interest excluded from total	5,374	5,097
Mortgage | 1-4 family owner occupied - jumbo
Non performing loans [Abstract]
Non- Accrual with no Allowance for Credit Loss	762	544
Non- Accrual with an Allowance for Credit Loss	0	0
Total Non- Accrual	762	544
90+ and Still Accruing	0	0
Accrued interest excluded from total	2,436	2,375
Mortgage | 1-4 family owner occupied - non-jumbo
Non performing loans [Abstract]
Non- Accrual with no Allowance for Credit Loss	2,417	575
Non- Accrual with an Allowance for Credit Loss	394	1,655
Total Non- Accrual	2,811	2,230
90+ and Still Accruing	0	432
Accrued interest excluded from total	1,209	1,111
Mortgage | 1-4 family non-owner occupied
Non performing loans [Abstract]
Non- Accrual with no Allowance for Credit Loss	0	0
Non- Accrual with an Allowance for Credit Loss	197	282
Total Non- Accrual	197	282
90+ and Still Accruing	0	0
Accrued interest excluded from total	658	654
Mortgage | 1-4 family - 2nd lien
Non performing loans [Abstract]
Non- Accrual with no Allowance for Credit Loss	0	0
Non- Accrual with an Allowance for Credit Loss	519	624
Total Non- Accrual	519	624
90+ and Still Accruing	0	0
Accrued interest excluded from total	903	804
Mortgage | Resort lending
Non performing loans [Abstract]
Non- Accrual with no Allowance for Credit Loss	0	0
Non- Accrual with an Allowance for Credit Loss	143	143
Total Non- Accrual	143	143
90+ and Still Accruing	0	0
Accrued interest excluded from total	168	153
Installment
Non performing loans [Abstract]
Accrued interest excluded from total	1,664	1,660
Installment | Boat lending
Non performing loans [Abstract]
Non- Accrual with no Allowance for Credit Loss	0	0
Non- Accrual with an Allowance for Credit Loss	149	352
Total Non- Accrual	149	352
90+ and Still Accruing	0	0
Accrued interest excluded from total	764	714
Installment | Recreational vehicle lending
Non performing loans [Abstract]
Non- Accrual with no Allowance for Credit Loss	0	0
Non- Accrual with an Allowance for Credit Loss	400	419
Total Non- Accrual	400	419
90+ and Still Accruing	0	0
Accrued interest excluded from total	611	655
Installment | Other
Non performing loans [Abstract]
Non- Accrual with no Allowance for Credit Loss	0	0
Non- Accrual with an Allowance for Credit Loss	117	199
Total Non- Accrual	117	199
90+ and Still Accruing	0	0
Accrued interest excluded from total	289	291
Non-performing TDR's
Non performing loans [Abstract]
Total Non- Performing Loans	5,148	5,232
Accrued interest excluded from total	0	0
Non-performing TDR's | Commercial | Commercial and industrial
Non performing loans [Abstract]
Total Non- Performing Loans	50	7
Non-performing TDR's | Commercial | Commercial real estate
Non performing loans [Abstract]
Total Non- Performing Loans	0	0
Non-performing TDR's | Mortgage | 1-4 family owner occupied - jumbo
Non performing loans [Abstract]
Total Non- Performing Loans	762	544
Non-performing TDR's | Mortgage | 1-4 family owner occupied - non-jumbo
Non performing loans [Abstract]
Total Non- Performing Loans	2,811	2,662
Non-performing TDR's | Mortgage | 1-4 family non-owner occupied
Non performing loans [Abstract]
Total Non- Performing Loans	197	282
Non-performing TDR's | Mortgage | 1-4 family - 2nd lien
Non performing loans [Abstract]
Total Non- Performing Loans	519	624
Non-performing TDR's | Mortgage | Resort lending
Non performing loans [Abstract]
Total Non- Performing Loans	143	143
Non-performing TDR's | Installment | Boat lending
Non performing loans [Abstract]
Total Non- Performing Loans	149	352
Non-performing TDR's | Installment | Recreational vehicle lending
Non performing loans [Abstract]
Total Non- Performing Loans	400	419
Non-performing TDR's | Installment | Other
Non performing loans [Abstract]
Total Non- Performing Loans	$ 117	$ 199

Loans - Amortized Cost of Colla

Loans - Amortized Cost of Collateral-dependent Loans by Class (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	$ 3,942,287		$ 3,790,901
Allowance for Credit Losses	57,444	$ 56,241	54,658	$ 55,495	$ 53,964	$ 52,435
Accrued interest excluded from total	13,336		12,500
Real Estate
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	6,212		3,950
Accrued interest excluded from total	6		1
Other
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	5,746		934
Accrued interest excluded from total	37		0
Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	2,453		1,292
Commercial
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	1,825,247		1,679,731
Allowance for Credit Losses	20,162	18,979	16,724	17,550	16,284	13,817
Accrued interest excluded from total	6,298		5,743
Commercial | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	954,752		810,145
Accrued interest excluded from total	3,441		2,710
Commercial | Commercial and industrial | Real Estate
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	693		565
Commercial | Commercial and industrial | Other
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	5,321		232
Commercial | Commercial and industrial | Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	1,758		224
Commercial | Commercial real estate
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	870,495		869,586
Accrued interest excluded from total	2,857		3,033
Commercial | Commercial real estate | Real Estate
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	827		0
Commercial | Commercial real estate | Other
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	0		0
Commercial | Commercial real estate | Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	6		0
Mortgage
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	1,511,400		1,485,872
Allowance for Credit Losses	19,832	20,731	21,386	20,022	20,080	21,633
Accrued interest excluded from total	5,374		5,097
Mortgage | 1-4 family owner occupied - jumbo
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	871,867		859,236
Accrued interest excluded from total	2,436		2,375
Mortgage | 1-4 family owner occupied - jumbo | Real Estate
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	762		544
Mortgage | 1-4 family owner occupied - jumbo | Other
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	0		0
Mortgage | 1-4 family owner occupied - jumbo | Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	0		0
Mortgage | 1-4 family owner occupied - non-jumbo
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	305,494		301,172
Accrued interest excluded from total	1,209		1,111
Mortgage | 1-4 family owner occupied - non-jumbo | Real Estate
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	3,443		2,243
Mortgage | 1-4 family owner occupied - non-jumbo | Other
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	0		0
Mortgage | 1-4 family owner occupied - non-jumbo | Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	365		504
Mortgage | 1-4 family non-owner occupied
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	172,694		173,816
Accrued interest excluded from total	658		654
Mortgage | 1-4 family non-owner occupied | Real Estate
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	87		211
Mortgage | 1-4 family non-owner occupied | Other
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	0		0
Mortgage | 1-4 family non-owner occupied | Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	31		178
Mortgage | 1-4 family - 2nd lien
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	129,203		116,032
Accrued interest excluded from total	903		804
Mortgage | 1-4 family - 2nd lien | Real Estate
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	257		244
Mortgage | 1-4 family - 2nd lien | Other
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	0		0
Mortgage | 1-4 family - 2nd lien | Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	91		87
Mortgage | Resort lending
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	32,142		35,616
Accrued interest excluded from total	168		153
Mortgage | Resort lending | Real Estate
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	143		143
Mortgage | Resort lending | Other
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	0		0
Mortgage | Resort lending | Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	51		51
Installment
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	605,640		625,298
Allowance for Credit Losses	4,544	$ 3,901	4,126	$ 4,183	$ 4,315	$ 4,290
Accrued interest excluded from total	1,664		1,660
Installment | Boat lending
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	271,646		268,648
Accrued interest excluded from total	764		714
Installment | Boat lending | Real Estate
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	0		0
Installment | Boat lending | Other
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	89		297
Installment | Boat lending | Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	32		105
Installment | Recreational vehicle lending
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	233,067		251,852
Accrued interest excluded from total	611		655
Installment | Recreational vehicle lending | Real Estate
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	0		0
Installment | Recreational vehicle lending | Other
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	271		303
Installment | Recreational vehicle lending | Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	96		107
Installment | Other
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	100,927		104,798
Accrued interest excluded from total	289		291
Installment | Other | Real Estate
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	0		0
Installment | Other | Other
Financing Receivable, Past Due [Line Items]
Financing receivable, before allowance for credit loss	65		102
Installment | Other | Allowance for Credit Losses
Financing Receivable, Past Due [Line Items]
Allowance for Credit Losses	$ 23		$ 36

Loans - Aging Analysis of Loans

Loans - Aging Analysis of Loans by Class (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	$ 3,942,287	$ 3,790,901
Accrued interest excluded from total	13,336	12,500
Financial asset, past due, total
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	10,205	7,512
Accrued interest excluded from total	73	48
Financial Asset, 30 to 59 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	3,812	3,266
Accrued interest excluded from total	40	31
Financial Asset, 60 to 89 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	2,952	1,132
Accrued interest excluded from total	33	17
Financial Asset, Equal to or Greater than 90 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	3,441	3,114
Accrued interest excluded from total	0	0
Financial Asset, Not Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	3,932,082	3,783,389
Accrued interest excluded from total	13,263	12,452
Commercial
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	1,825,247	1,679,731
Accrued interest excluded from total	6,298	5,743
Commercial | Commercial and industrial
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	954,752	810,145
Accrued interest excluded from total	3,441	2,710
Commercial | Commercial and industrial | Financial asset, past due, total
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	103	28
Commercial | Commercial and industrial | Financial Asset, 30 to 59 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	44	0
Commercial | Commercial and industrial | Financial Asset, 60 to 89 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	0	0
Commercial | Commercial and industrial | Financial Asset, Equal to or Greater than 90 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	59	28
Commercial | Commercial and industrial | Financial Asset, Not Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	954,649	810,117
Commercial | Commercial real estate
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	870,495	869,586
Accrued interest excluded from total	2,857	3,033
Commercial | Commercial real estate | Financial asset, past due, total
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	0	0
Commercial | Commercial real estate | Financial Asset, 30 to 59 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	0	0
Commercial | Commercial real estate | Financial Asset, 60 to 89 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	0	0
Commercial | Commercial real estate | Financial Asset, Equal to or Greater than 90 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	0	0
Commercial | Commercial real estate | Financial Asset, Not Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	870,495	869,586
Mortgage
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	1,511,400	1,485,872
Accrued interest excluded from total	5,374	5,097
Mortgage | 1-4 family owner occupied - jumbo
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	871,867	859,236
Accrued interest excluded from total	2,436	2,375
Mortgage | 1-4 family owner occupied - jumbo | Financial asset, past due, total
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	1,480	544
Mortgage | 1-4 family owner occupied - jumbo | Financial Asset, 30 to 59 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	718	0
Mortgage | 1-4 family owner occupied - jumbo | Financial Asset, 60 to 89 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	0	0
Mortgage | 1-4 family owner occupied - jumbo | Financial Asset, Equal to or Greater than 90 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	762	544
Mortgage | 1-4 family owner occupied - jumbo | Financial Asset, Not Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	870,387	858,692
Mortgage | 1-4 family owner occupied - non-jumbo
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	305,494	301,172
Accrued interest excluded from total	1,209	1,111
Mortgage | 1-4 family owner occupied - non-jumbo | Financial asset, past due, total
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	5,364	3,936
Mortgage | 1-4 family owner occupied - non-jumbo | Financial Asset, 30 to 59 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	1,506	1,763
Mortgage | 1-4 family owner occupied - non-jumbo | Financial Asset, 60 to 89 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	2,074	742
Mortgage | 1-4 family owner occupied - non-jumbo | Financial Asset, Equal to or Greater than 90 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	1,784	1,431
Mortgage | 1-4 family owner occupied - non-jumbo | Financial Asset, Not Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	300,130	297,236
Mortgage | 1-4 family non-owner occupied
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	172,694	173,816
Accrued interest excluded from total	658	654
Mortgage | 1-4 family non-owner occupied | Financial asset, past due, total
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	161	437
Mortgage | 1-4 family non-owner occupied | Financial Asset, 30 to 59 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	74	215
Mortgage | 1-4 family non-owner occupied | Financial Asset, 60 to 89 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	0	64
Mortgage | 1-4 family non-owner occupied | Financial Asset, Equal to or Greater than 90 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	87	158
Mortgage | 1-4 family non-owner occupied | Financial Asset, Not Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	172,533	173,379
Mortgage | 1-4 family - 2nd lien
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	129,203	116,032
Accrued interest excluded from total	903	804
Mortgage | 1-4 family - 2nd lien | Financial asset, past due, total
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	997	595
Mortgage | 1-4 family - 2nd lien | Financial Asset, 30 to 59 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	281	241
Mortgage | 1-4 family - 2nd lien | Financial Asset, 60 to 89 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	529	139
Mortgage | 1-4 family - 2nd lien | Financial Asset, Equal to or Greater than 90 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	187	215
Mortgage | 1-4 family - 2nd lien | Financial Asset, Not Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	128,206	115,437
Mortgage | Resort lending
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	32,142	35,616
Accrued interest excluded from total	168	153
Mortgage | Resort lending | Financial asset, past due, total
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	184	193
Mortgage | Resort lending | Financial Asset, 30 to 59 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	41	0
Mortgage | Resort lending | Financial Asset, 60 to 89 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	0	50
Mortgage | Resort lending | Financial Asset, Equal to or Greater than 90 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	143	143
Mortgage | Resort lending | Financial Asset, Not Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	31,958	35,423
Installment
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	605,640	625,298
Accrued interest excluded from total	1,664	1,660
Installment | Boat lending
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	271,646	268,648
Accrued interest excluded from total	764	714
Installment | Boat lending | Financial asset, past due, total
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	413	597
Installment | Boat lending | Financial Asset, 30 to 59 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	215	320
Installment | Boat lending | Financial Asset, 60 to 89 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	109	16
Installment | Boat lending | Financial Asset, Equal to or Greater than 90 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	89	261
Installment | Boat lending | Financial Asset, Not Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	271,233	268,051
Installment | Recreational vehicle lending
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	233,067	251,852
Accrued interest excluded from total	611	655
Installment | Recreational vehicle lending | Financial asset, past due, total
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	1,080	729
Installment | Recreational vehicle lending | Financial Asset, 30 to 59 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	688	414
Installment | Recreational vehicle lending | Financial Asset, 60 to 89 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	121	35
Installment | Recreational vehicle lending | Financial Asset, Equal to or Greater than 90 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	271	280
Installment | Recreational vehicle lending | Financial Asset, Not Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	231,987	251,123
Installment | Other
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	100,927	104,798
Accrued interest excluded from total	289	291
Installment | Other | Financial asset, past due, total
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	423	453
Installment | Other | Financial Asset, 30 to 59 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	245	313
Installment | Other | Financial Asset, 60 to 89 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	119	86
Installment | Other | Financial Asset, Equal to or Greater than 90 Days Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	59	54
Installment | Other | Financial Asset, Not Past Due
Aging analysis of loans by class [Abstract]
Financing receivable, before allowance for credit loss	$ 100,504	$ 104,345

Loans - Narrative (Details)

Loans - Narrative (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2024 USD ($) loan	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) loan	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Troubled loan modification		$ 0		$ 0
Troubled loan modification, term increase	2 years 1 month 6 days		4 years 10 months 24 days
Troubled loan modifications, non-accrual, number of contracts | loan			4
Troubled loan modifications, non-accrual, amount			$ 400,000
Troubled loan modification, subsequent default		0		0
Past due period for modified loans			90 days
Real estate acquired through foreclosure	$ 800,000		$ 800,000		$ 600,000
Mortgage loans in process of foreclosure, amount	400,000		400,000		$ 600,000
Proceeds from the sale of loans held for investment			14,807,000	51,481,000
Mortgage loans	2,177,000	2,099,000	4,874,000	5,475,000
Fixed Rate Residential Mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Proceeds from the sale of loans held for investment	6,600,000	$ 0	14,700,000	51,500,000
Mortgage loans	$ 120,000		$ 250,000	$ (150,000)
Mortgage | 1-4 family owner occupied - non-jumbo
Financing Receivable, Allowance for Credit Loss [Line Items]
Troubled loan modification, number of loans | loan	1		5
Troubled loan modification	$ 80,000		$ 510,000
Troubled loan modifications to total loans, percentage	0.10%		0.10%
Mortgage | 1-4 family owner occupied - non-jumbo | Contractual Interest Rate Reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Troubled loan modification, number of loans | loan			1
Troubled loan modification, interest rate reduction, percent			3.625%
Mortgage | 1-4 family - 2nd lien
Financing Receivable, Allowance for Credit Loss [Line Items]
Troubled loan modification, number of loans | loan			1
Troubled loan modification			$ 70,000
Troubled loan modifications to total loans, percentage			0.10%
Installment | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Troubled loan modification, number of loans | loan			1
Troubled loan modification			$ 10,000
Troubled loan modifications to total loans, percentage			0.10%

Loans - Loan Ratings by Loan Cl

Loans - Loan Ratings by Loan Class, Commercial (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
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	$ 3,942,287		$ 3,942,287		$ 3,790,901
Accrued interest excluded from total	13,336		13,336		12,500
Current period gross charge-offs	1,018	$ 581	2,720	$ 2,862
Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	200,559		200,559		313,144
Financing receivable, year two, originated, fiscal year before current fiscal year	377,499		377,499		327,184
Financing receivable, year three, originated, two years before current fiscal year	314,815		314,815		203,020
Financing receivable, year four, originated, three years before current fiscal year	164,029		164,029		79,908
Financing receivable, year five, originated, four years before current fiscal year	135,993		135,993		127,798
Financing receivable, originated, more than five years before current fiscal year	295,221		295,221		282,057
Revolving Loans Amortized Cost Basis	337,131		337,131		346,620
Total loans	1,825,247		1,825,247		1,679,731
Accrued interest, current fiscal year	689		689		787
Accrued interest, fiscal year before current	1,192		1,192		1,123
Accrued interest, two years before current	1,019		1,019		563
Accrued interest, three years before current	403		403		201
Accrued interest, four years before current	498		498		467
Accrued interest, more than five years before current fiscal year	990		990		987
Accrued interest, revolving	1,507		1,507		1,615
Accrued interest excluded from total	6,298		6,298		5,743
Gross charge-offs, current fiscal year			0		0
Gross charge-offs, fiscal year before current			0		0
Gross charge-offs, two years before current			0		0
Gross charge-offs, three years before current			0		0
Gross charge-offs, four years before current			0		960
Gross charge-offs, more than five years before current			0		69
Gross charge-offs, revolving			0		25
Current period gross charge-offs	0	$ 24	0	$ 1,053	1,054
Commercial | Non-watch (1-6)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	187,940		187,940		313,048
Financing receivable, year two, originated, fiscal year before current fiscal year	375,304		375,304		321,945
Financing receivable, year three, originated, two years before current fiscal year	311,192		311,192		201,509
Financing receivable, year four, originated, three years before current fiscal year	160,469		160,469		77,328
Financing receivable, year five, originated, four years before current fiscal year	132,600		132,600		121,282
Financing receivable, originated, more than five years before current fiscal year	288,796		288,796		274,225
Revolving Loans Amortized Cost Basis	308,731		308,731		334,486
Total loans	1,765,032		1,765,032		1,643,823
Commercial | Watch (7-8)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	10,234		10,234		96
Financing receivable, year two, originated, fiscal year before current fiscal year	2,195		2,195		5,239
Financing receivable, year three, originated, two years before current fiscal year	3,623		3,623		964
Financing receivable, year four, originated, three years before current fiscal year	2,846		2,846		2,580
Financing receivable, year five, originated, four years before current fiscal year	3,112		3,112		6,495
Financing receivable, originated, more than five years before current fiscal year	5,723		5,723		7,800
Revolving Loans Amortized Cost Basis	25,642		25,642		11,938
Total loans	53,375		53,375		35,112
Commercial | Substandard Accrual (9)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	2,385		2,385		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		547
Financing receivable, year four, originated, three years before current fiscal year	667		667		0
Financing receivable, year five, originated, four years before current fiscal year	281		281		21
Financing receivable, originated, more than five years before current fiscal year	690		690		4
Revolving Loans Amortized Cost Basis	2,758		2,758		196
Total loans	6,781		6,781		768
Commercial | Non-Accrual (10-11)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	47		47		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	12		12		28
Revolving Loans Amortized Cost Basis	0		0		0
Total loans	59		59		28
Commercial | Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	124,686		124,686		110,568
Financing receivable, year two, originated, fiscal year before current fiscal year	143,856		143,856		157,954
Financing receivable, year three, originated, two years before current fiscal year	146,720		146,720		71,592
Financing receivable, year four, originated, three years before current fiscal year	84,181		84,181		50,224
Financing receivable, year five, originated, four years before current fiscal year	84,217		84,217		46,770
Financing receivable, originated, more than five years before current fiscal year	113,665		113,665		100,269
Revolving Loans Amortized Cost Basis	257,427		257,427		272,768
Total loans	954,752		954,752		810,145
Accrued interest, current fiscal year	441		441		239
Accrued interest, fiscal year before current	500		500		438
Accrued interest, two years before current	394		394		132
Accrued interest, three years before current	206		206		128
Accrued interest, four years before current	367		367		120
Accrued interest, more than five years before current fiscal year	352		352		326
Accrued interest, revolving	1,181		1,181		1,327
Accrued interest excluded from total	3,441		3,441		2,710
Gross charge-offs, current fiscal year			0		0
Gross charge-offs, fiscal year before current			0		0
Gross charge-offs, two years before current			0		0
Gross charge-offs, three years before current			0		0
Gross charge-offs, four years before current			0		0
Gross charge-offs, more than five years before current			0		69
Gross charge-offs, revolving			0		25
Current period gross charge-offs			0		94
Commercial | Commercial and industrial | Non-watch (1-6)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	112,067		112,067		110,472
Financing receivable, year two, originated, fiscal year before current fiscal year	141,661		141,661		152,715
Financing receivable, year three, originated, two years before current fiscal year	143,097		143,097		70,081
Financing receivable, year four, originated, three years before current fiscal year	80,758		80,758		47,644
Financing receivable, year five, originated, four years before current fiscal year	80,824		80,824		42,576
Financing receivable, originated, more than five years before current fiscal year	112,391		112,391		97,960
Revolving Loans Amortized Cost Basis	245,614		245,614		260,634
Total loans	916,412		916,412		782,082
Commercial | Commercial and industrial | Watch (7-8)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	10,234		10,234		96
Financing receivable, year two, originated, fiscal year before current fiscal year	2,195		2,195		5,239
Financing receivable, year three, originated, two years before current fiscal year	3,623		3,623		964
Financing receivable, year four, originated, three years before current fiscal year	2,846		2,846		2,580
Financing receivable, year five, originated, four years before current fiscal year	3,112		3,112		4,173
Financing receivable, originated, more than five years before current fiscal year	1,262		1,262		2,277
Revolving Loans Amortized Cost Basis	9,055		9,055		11,938
Total loans	32,327		32,327		27,267
Commercial | Commercial and industrial | Substandard Accrual (9)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	2,385		2,385		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		547
Financing receivable, year four, originated, three years before current fiscal year	530		530		0
Financing receivable, year five, originated, four years before current fiscal year	281		281		21
Financing receivable, originated, more than five years before current fiscal year	0		0		4
Revolving Loans Amortized Cost Basis	2,758		2,758		196
Total loans	5,954		5,954		768
Commercial | Commercial and industrial | Non-Accrual (10-11)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	47		47		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	12		12		28
Revolving Loans Amortized Cost Basis	0		0		0
Total loans	59		59		28
Commercial | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	75,873		75,873		202,576
Financing receivable, year two, originated, fiscal year before current fiscal year	233,643		233,643		169,230
Financing receivable, year three, originated, two years before current fiscal year	168,095		168,095		131,428
Financing receivable, year four, originated, three years before current fiscal year	79,848		79,848		29,684
Financing receivable, year five, originated, four years before current fiscal year	51,776		51,776		81,028
Financing receivable, originated, more than five years before current fiscal year	181,556		181,556		181,788
Revolving Loans Amortized Cost Basis	79,704		79,704		73,852
Total loans	870,495		870,495		869,586
Accrued interest, current fiscal year	248		248		548
Accrued interest, fiscal year before current	692		692		685
Accrued interest, two years before current	625		625		431
Accrued interest, three years before current	197		197		73
Accrued interest, four years before current	131		131		347
Accrued interest, more than five years before current fiscal year	638		638		661
Accrued interest, revolving	326		326		288
Accrued interest excluded from total	2,857		2,857		3,033
Gross charge-offs, current fiscal year			0		0
Gross charge-offs, fiscal year before current			0		0
Gross charge-offs, two years before current			0		0
Gross charge-offs, three years before current			0		0
Gross charge-offs, four years before current			0		960
Gross charge-offs, more than five years before current			0		0
Gross charge-offs, revolving			0		0
Current period gross charge-offs			0		960
Commercial | Commercial real estate | Non-watch (1-6)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	75,873		75,873		202,576
Financing receivable, year two, originated, fiscal year before current fiscal year	233,643		233,643		169,230
Financing receivable, year three, originated, two years before current fiscal year	168,095		168,095		131,428
Financing receivable, year four, originated, three years before current fiscal year	79,711		79,711		29,684
Financing receivable, year five, originated, four years before current fiscal year	51,776		51,776		78,706
Financing receivable, originated, more than five years before current fiscal year	176,405		176,405		176,265
Revolving Loans Amortized Cost Basis	63,117		63,117		73,852
Total loans	848,620		848,620		861,741
Commercial | Commercial real estate | Watch (7-8)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		2,322
Financing receivable, originated, more than five years before current fiscal year	4,461		4,461		5,523
Revolving Loans Amortized Cost Basis	16,587		16,587		0
Total loans	21,048		21,048		7,845
Commercial | Commercial real estate | Substandard Accrual (9)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	137		137		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	690		690		0
Revolving Loans Amortized Cost Basis	0		0		0
Total loans	827		827		0
Commercial | Commercial real estate | Non-Accrual (10-11)
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	0		0		0
Revolving Loans Amortized Cost Basis	0		0		0
Total loans	$ 0		$ 0		$ 0

Loans - Credit Scores by Loan C

Loans - Credit Scores by Loan Class, Mortgage and Installment Segments (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
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, before allowance for credit loss	$ 3,942,287		$ 3,942,287		$ 3,790,901
Accrued interest excluded from total	13,336		13,336		12,500
Current period gross charge-offs	1,018	$ 581	2,720	$ 2,862
Mortgage
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	85,313		85,313		136,597
Financing receivable, year two, originated, fiscal year before current fiscal year	132,428		132,428		329,024
Financing receivable, year three, originated, two years before current fiscal year	320,137		320,137		459,950
Financing receivable, year four, originated, three years before current fiscal year	440,398		440,398		179,993
Financing receivable, year five, originated, four years before current fiscal year	167,177		167,177		68,611
Financing receivable, originated, more than five years before current fiscal year	241,501		241,501		196,696
Revolving Loans Amortized Cost Basis	124,446		124,446		115,001
Financing receivable, before allowance for credit loss	1,511,400		1,511,400		1,485,872
Accrued interest, current fiscal year	330		330		578
Accrued interest, fiscal year before current	648		648		1,047
Accrued interest, two years before current	979		979		1,066
Accrued interest, three years before current	986		986		448
Accrued interest, four years before current	423		423		204
Accrued interest, more than five years before current fiscal year	990		990		816
Accrued interest, revolving	1,018		1,018		938
Accrued interest excluded from total	5,374		5,374		5,097
Gross charge-offs, current fiscal year			0		0
Gross charge-offs, fiscal year before current			0		0
Gross charge-offs, two years before current			22		0
Gross charge-offs, three years before current			23		0
Gross charge-offs, four years before current			0		0
Gross charge-offs, more than five years before current			233		154
Gross charge-offs, revolving			22		0
Current period gross charge-offs	26	0	300	31	154
Mortgage | 800 and above
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	12,081		12,081		11,436
Financing receivable, year two, originated, fiscal year before current fiscal year	16,810		16,810		47,054
Financing receivable, year three, originated, two years before current fiscal year	52,340		52,340		84,297
Financing receivable, year four, originated, three years before current fiscal year	79,486		79,486		26,960
Financing receivable, year five, originated, four years before current fiscal year	34,810		34,810		10,512
Financing receivable, originated, more than five years before current fiscal year	36,061		36,061		30,769
Revolving Loans Amortized Cost Basis	18,741		18,741		15,129
Financing receivable, before allowance for credit loss	250,329		250,329		226,157
Mortgage | 750-799
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	46,670		46,670		69,197
Financing receivable, year two, originated, fiscal year before current fiscal year	68,747		68,747		170,514
Financing receivable, year three, originated, two years before current fiscal year	157,436		157,436		246,571
Financing receivable, year four, originated, three years before current fiscal year	240,394		240,394		89,036
Financing receivable, year five, originated, four years before current fiscal year	79,412		79,412		38,028
Financing receivable, originated, more than five years before current fiscal year	88,715		88,715		63,821
Revolving Loans Amortized Cost Basis	54,906		54,906		51,823
Financing receivable, before allowance for credit loss	736,280		736,280		728,990
Mortgage | 700-749
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	15,773		15,773		32,460
Financing receivable, year two, originated, fiscal year before current fiscal year	32,311		32,311		78,488
Financing receivable, year three, originated, two years before current fiscal year	70,235		70,235		89,418
Financing receivable, year four, originated, three years before current fiscal year	87,535		87,535		37,886
Financing receivable, year five, originated, four years before current fiscal year	30,339		30,339		8,909
Financing receivable, originated, more than five years before current fiscal year	53,766		53,766		46,316
Revolving Loans Amortized Cost Basis	36,160		36,160		33,926
Financing receivable, before allowance for credit loss	326,119		326,119		327,403
Mortgage | 650-699
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	10,199		10,199		21,491
Financing receivable, year two, originated, fiscal year before current fiscal year	10,522		10,522		21,685
Financing receivable, year three, originated, two years before current fiscal year	29,723		29,723		31,280
Financing receivable, year four, originated, three years before current fiscal year	26,569		26,569		18,851
Financing receivable, year five, originated, four years before current fiscal year	13,130		13,130		5,034
Financing receivable, originated, more than five years before current fiscal year	34,759		34,759		29,859
Revolving Loans Amortized Cost Basis	12,291		12,291		10,722
Financing receivable, before allowance for credit loss	137,193		137,193		138,922
Mortgage | 600-649
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	503		503		1,825
Financing receivable, year two, originated, fiscal year before current fiscal year	2,481		2,481		9,644
Financing receivable, year three, originated, two years before current fiscal year	6,401		6,401		5,722
Financing receivable, year four, originated, three years before current fiscal year	3,581		3,581		1,454
Financing receivable, year five, originated, four years before current fiscal year	4,285		4,285		4,406
Financing receivable, originated, more than five years before current fiscal year	12,133		12,133		11,640
Revolving Loans Amortized Cost Basis	1,445		1,445		2,332
Financing receivable, before allowance for credit loss	30,829		30,829		37,023
Mortgage | 550-599
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		188
Financing receivable, year two, originated, fiscal year before current fiscal year	1,030		1,030		765
Financing receivable, year three, originated, two years before current fiscal year	3,075		3,075		853
Financing receivable, year four, originated, three years before current fiscal year	1,709		1,709		3,613
Financing receivable, year five, originated, four years before current fiscal year	1,423		1,423		714
Financing receivable, originated, more than five years before current fiscal year	6,488		6,488		6,768
Revolving Loans Amortized Cost Basis	468		468		703
Financing receivable, before allowance for credit loss	14,193		14,193		13,604
Mortgage | 500-549
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	527		527		544
Financing receivable, year three, originated, two years before current fiscal year	927		927		1,347
Financing receivable, year four, originated, three years before current fiscal year	1,058		1,058		1,921
Financing receivable, year five, originated, four years before current fiscal year	3,121		3,121		413
Financing receivable, originated, more than five years before current fiscal year	8,291		8,291		5,438
Revolving Loans Amortized Cost Basis	435		435		331
Financing receivable, before allowance for credit loss	14,359		14,359		9,994
Mortgage | Under 500
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	87		87		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		330
Financing receivable, year three, originated, two years before current fiscal year	0		0		462
Financing receivable, year four, originated, three years before current fiscal year	66		66		272
Financing receivable, year five, originated, four years before current fiscal year	657		657		595
Financing receivable, originated, more than five years before current fiscal year	1,288		1,288		2,085
Revolving Loans Amortized Cost Basis	0		0		35
Financing receivable, before allowance for credit loss	2,098		2,098		3,779
Mortgage | Unknown
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	0		0		0
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	0		0		0
Mortgage | 1-4 family owner occupied - jumbo
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	39,619		39,619		76,902
Financing receivable, year two, originated, fiscal year before current fiscal year	82,736		82,736		222,397
Financing receivable, year three, originated, two years before current fiscal year	219,786		219,786		351,222
Financing receivable, year four, originated, three years before current fiscal year	338,351		338,351		121,113
Financing receivable, year five, originated, four years before current fiscal year	113,700		113,700		38,869
Financing receivable, originated, more than five years before current fiscal year	76,175		76,175		44,563
Revolving Loans Amortized Cost Basis	1,500		1,500		4,170
Financing receivable, before allowance for credit loss	871,867		871,867		859,236
Accrued interest, current fiscal year	171		171		329
Accrued interest, fiscal year before current	374		374		669
Accrued interest, two years before current	633		633		785
Accrued interest, three years before current	727		727		299
Accrued interest, four years before current	279		279		107
Accrued interest, more than five years before current fiscal year	240		240		156
Accrued interest, revolving	12		12		30
Accrued interest excluded from total	2,436		2,436		2,375
Gross charge-offs, current fiscal year			0		0
Gross charge-offs, fiscal year before current			0		0
Gross charge-offs, two years before current			22		0
Gross charge-offs, three years before current			0		0
Gross charge-offs, four years before current			0		0
Gross charge-offs, more than five years before current			0		0
Gross charge-offs, revolving			0		0
Current period gross charge-offs			22		0
Mortgage | 1-4 family owner occupied - jumbo | 800 and above
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	5,490		5,490		6,299
Financing receivable, year two, originated, fiscal year before current fiscal year	13,269		13,269		30,789
Financing receivable, year three, originated, two years before current fiscal year	33,151		33,151		63,377
Financing receivable, year four, originated, three years before current fiscal year	55,928		55,928		17,672
Financing receivable, year five, originated, four years before current fiscal year	27,371		27,371		4,503
Financing receivable, originated, more than five years before current fiscal year	13,199		13,199		8,813
Revolving Loans Amortized Cost Basis	0		0		1,084
Financing receivable, before allowance for credit loss	148,408		148,408		132,537
Mortgage | 1-4 family owner occupied - jumbo | 750-799
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	24,534		24,534		42,726
Financing receivable, year two, originated, fiscal year before current fiscal year	40,353		40,353		117,454
Financing receivable, year three, originated, two years before current fiscal year	107,628		107,628		193,587
Financing receivable, year four, originated, three years before current fiscal year	190,756		190,756		61,986
Financing receivable, year five, originated, four years before current fiscal year	53,699		53,699		24,288
Financing receivable, originated, more than five years before current fiscal year	32,865		32,865		14,836
Revolving Loans Amortized Cost Basis	0		0		1,586
Financing receivable, before allowance for credit loss	449,835		449,835		456,463
Mortgage | 1-4 family owner occupied - jumbo | 700-749
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	7,493		7,493		14,965
Financing receivable, year two, originated, fiscal year before current fiscal year	17,444		17,444		51,991
Financing receivable, year three, originated, two years before current fiscal year	46,671		46,671		66,597
Financing receivable, year four, originated, three years before current fiscal year	71,691		71,691		25,170
Financing receivable, year five, originated, four years before current fiscal year	20,233		20,233		4,738
Financing receivable, originated, more than five years before current fiscal year	15,672		15,672		11,768
Revolving Loans Amortized Cost Basis	1,500		1,500		1,500
Financing receivable, before allowance for credit loss	180,704		180,704		176,729
Mortgage | 1-4 family owner occupied - jumbo | 650-699
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	2,102		2,102		11,274
Financing receivable, year two, originated, fiscal year before current fiscal year	8,259		8,259		13,804
Financing receivable, year three, originated, two years before current fiscal year	24,142		24,142		24,648
Financing receivable, year four, originated, three years before current fiscal year	18,369		18,369		12,949
Financing receivable, year five, originated, four years before current fiscal year	6,711		6,711		2,142
Financing receivable, originated, more than five years before current fiscal year	10,645		10,645		5,881
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	70,228		70,228		70,698
Mortgage | 1-4 family owner occupied - jumbo | 600-649
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		1,638
Financing receivable, year two, originated, fiscal year before current fiscal year	2,184		2,184		7,815
Financing receivable, year three, originated, two years before current fiscal year	5,722		5,722		2,486
Financing receivable, year four, originated, three years before current fiscal year	532		532		505
Financing receivable, year five, originated, four years before current fiscal year	2,902		2,902		3,198
Financing receivable, originated, more than five years before current fiscal year	2,412		2,412		2,592
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	13,752		13,752		18,234
Mortgage | 1-4 family owner occupied - jumbo | 550-599
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	739		739		0
Financing receivable, year three, originated, two years before current fiscal year	2,472		2,472		527
Financing receivable, year four, originated, three years before current fiscal year	1,075		1,075		1,908
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	0		0		0
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	4,286		4,286		2,435
Mortgage | 1-4 family owner occupied - jumbo | 500-549
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	488		488		544
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		923
Financing receivable, year five, originated, four years before current fiscal year	2,784		2,784		0
Financing receivable, originated, more than five years before current fiscal year	1,382		1,382		673
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	4,654		4,654		2,140
Mortgage | 1-4 family owner occupied - jumbo | Under 500
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	0		0		0
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	0		0		0
Mortgage | 1-4 family owner occupied - jumbo | Unknown
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	0		0		0
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	0		0		0
Mortgage | 1-4 family owner occupied - non-jumbo
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	27,063		27,063		37,109
Financing receivable, year two, originated, fiscal year before current fiscal year	27,844		27,844		68,931
Financing receivable, year three, originated, two years before current fiscal year	63,375		63,375		49,273
Financing receivable, year four, originated, three years before current fiscal year	47,413		47,413		32,199
Financing receivable, year five, originated, four years before current fiscal year	29,530		29,530		17,013
Financing receivable, originated, more than five years before current fiscal year	88,463		88,463		79,025
Revolving Loans Amortized Cost Basis	21,806		21,806		17,622
Financing receivable, before allowance for credit loss	305,494		305,494		301,172
Accrued interest, current fiscal year	83		83		153
Accrued interest, fiscal year before current	178		178		235
Accrued interest, two years before current	207		207		119
Accrued interest, three years before current	111		111		78
Accrued interest, four years before current	78		78		56
Accrued interest, more than five years before current fiscal year	369		369		331
Accrued interest, revolving	183		183		139
Accrued interest excluded from total	1,209		1,209		1,111
Gross charge-offs, current fiscal year			0		0
Gross charge-offs, fiscal year before current			0		0
Gross charge-offs, two years before current			0		0
Gross charge-offs, three years before current			23		0
Gross charge-offs, four years before current			0		0
Gross charge-offs, more than five years before current			22		29
Gross charge-offs, revolving			0		0
Current period gross charge-offs			45		29
Mortgage | 1-4 family owner occupied - non-jumbo | 800 and above
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	4,087		4,087		2,280
Financing receivable, year two, originated, fiscal year before current fiscal year	1,063		1,063		10,083
Financing receivable, year three, originated, two years before current fiscal year	13,507		13,507		7,780
Financing receivable, year four, originated, three years before current fiscal year	10,212		10,212		5,425
Financing receivable, year five, originated, four years before current fiscal year	3,910		3,910		2,802
Financing receivable, originated, more than five years before current fiscal year	10,465		10,465		9,130
Revolving Loans Amortized Cost Basis	5,033		5,033		3,029
Financing receivable, before allowance for credit loss	48,277		48,277		40,529
Mortgage | 1-4 family owner occupied - non-jumbo | 750-799
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	9,636		9,636		13,233
Financing receivable, year two, originated, fiscal year before current fiscal year	14,220		14,220		32,729
Financing receivable, year three, originated, two years before current fiscal year	30,105		30,105		21,664
Financing receivable, year four, originated, three years before current fiscal year	20,030		20,030		12,306
Financing receivable, year five, originated, four years before current fiscal year	12,292		12,292		5,954
Financing receivable, originated, more than five years before current fiscal year	23,021		23,021		19,852
Revolving Loans Amortized Cost Basis	10,427		10,427		8,462
Financing receivable, before allowance for credit loss	119,731		119,731		114,200
Mortgage | 1-4 family owner occupied - non-jumbo | 700-749
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	4,734		4,734		11,696
Financing receivable, year two, originated, fiscal year before current fiscal year	10,579		10,579		18,133
Financing receivable, year three, originated, two years before current fiscal year	13,210		13,210		11,661
Financing receivable, year four, originated, three years before current fiscal year	9,372		9,372		8,136
Financing receivable, year five, originated, four years before current fiscal year	6,334		6,334		3,280
Financing receivable, originated, more than five years before current fiscal year	23,417		23,417		20,042
Revolving Loans Amortized Cost Basis	4,821		4,821		4,482
Financing receivable, before allowance for credit loss	72,467		72,467		77,430
Mortgage | 1-4 family owner occupied - non-jumbo | 650-699
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	8,016		8,016		9,576
Financing receivable, year two, originated, fiscal year before current fiscal year	1,769		1,769		5,717
Financing receivable, year three, originated, two years before current fiscal year	4,587		4,587		4,606
Financing receivable, year four, originated, three years before current fiscal year	3,877		3,877		2,524
Financing receivable, year five, originated, four years before current fiscal year	3,359		3,359		2,393
Financing receivable, originated, more than five years before current fiscal year	12,953		12,953		12,369
Revolving Loans Amortized Cost Basis	1,401		1,401		1,500
Financing receivable, before allowance for credit loss	35,962		35,962		38,685
Mortgage | 1-4 family owner occupied - non-jumbo | 600-649
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	503		503		136
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		1,334
Financing receivable, year three, originated, two years before current fiscal year	494		494		1,694
Financing receivable, year four, originated, three years before current fiscal year	2,233		2,233		833
Financing receivable, year five, originated, four years before current fiscal year	1,257		1,257		1,096
Financing receivable, originated, more than five years before current fiscal year	6,736		6,736		6,415
Revolving Loans Amortized Cost Basis	104		104		84
Financing receivable, before allowance for credit loss	11,327		11,327		11,592
Mortgage | 1-4 family owner occupied - non-jumbo | 550-599
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		188
Financing receivable, year two, originated, fiscal year before current fiscal year	213		213		624
Financing receivable, year three, originated, two years before current fiscal year	565		565		71
Financing receivable, year four, originated, three years before current fiscal year	565		565		1,705
Financing receivable, year five, originated, four years before current fiscal year	1,384		1,384		557
Financing receivable, originated, more than five years before current fiscal year	5,369		5,369		5,390
Revolving Loans Amortized Cost Basis	0		0		65
Financing receivable, before allowance for credit loss	8,096		8,096		8,600
Mortgage | 1-4 family owner occupied - non-jumbo | 500-549
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	907		907		1,335
Financing receivable, year four, originated, three years before current fiscal year	1,058		1,058		998
Financing receivable, year five, originated, four years before current fiscal year	337		337		413
Financing receivable, originated, more than five years before current fiscal year	5,458		5,458		4,077
Revolving Loans Amortized Cost Basis	20		20		0
Financing receivable, before allowance for credit loss	7,780		7,780		6,823
Mortgage | 1-4 family owner occupied - non-jumbo | Under 500
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	87		87		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		311
Financing receivable, year three, originated, two years before current fiscal year	0		0		462
Financing receivable, year four, originated, three years before current fiscal year	66		66		272
Financing receivable, year five, originated, four years before current fiscal year	657		657		518
Financing receivable, originated, more than five years before current fiscal year	1,044		1,044		1,750
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	1,854		1,854		3,313
Mortgage | 1-4 family owner occupied - non-jumbo | Unknown
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	0		0		0
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	0		0		0
Mortgage | 1-4 family non-owner occupied
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	14,788		14,788		17,377
Financing receivable, year two, originated, fiscal year before current fiscal year	16,976		16,976		32,002
Financing receivable, year three, originated, two years before current fiscal year	30,687		30,687		52,555
Financing receivable, year four, originated, three years before current fiscal year	48,138		48,138		21,707
Financing receivable, year five, originated, four years before current fiscal year	18,638		18,638		10,696
Financing receivable, originated, more than five years before current fiscal year	37,524		37,524		32,048
Revolving Loans Amortized Cost Basis	5,943		5,943		7,431
Financing receivable, before allowance for credit loss	172,694		172,694		173,816
Accrued interest, current fiscal year	62		62		77
Accrued interest, fiscal year before current	77		77		125
Accrued interest, two years before current	116		116		149
Accrued interest, three years before current	132		132		60
Accrued interest, four years before current	50		50		35
Accrued interest, more than five years before current fiscal year	170		170		146
Accrued interest, revolving	51		51		62
Accrued interest excluded from total	658		658		654
Gross charge-offs, current fiscal year			0		0
Gross charge-offs, fiscal year before current			0		0
Gross charge-offs, two years before current			0		0
Gross charge-offs, three years before current			0		0
Gross charge-offs, four years before current			0		0
Gross charge-offs, more than five years before current			158		0
Gross charge-offs, revolving			0		0
Current period gross charge-offs			158		0
Mortgage | 1-4 family non-owner occupied | 800 and above
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	2,227		2,227		2,320
Financing receivable, year two, originated, fiscal year before current fiscal year	2,021		2,021		6,026
Financing receivable, year three, originated, two years before current fiscal year	5,418		5,418		12,338
Financing receivable, year four, originated, three years before current fiscal year	12,670		12,670		3,474
Financing receivable, year five, originated, four years before current fiscal year	2,265		2,265		3,048
Financing receivable, originated, more than five years before current fiscal year	6,593		6,593		6,030
Revolving Loans Amortized Cost Basis	1,389		1,389		1,199
Financing receivable, before allowance for credit loss	32,583		32,583		34,435
Mortgage | 1-4 family non-owner occupied | 750-799
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	10,416		10,416		10,937
Financing receivable, year two, originated, fiscal year before current fiscal year	11,543		11,543		16,635
Financing receivable, year three, originated, two years before current fiscal year	16,652		16,652		28,051
Financing receivable, year four, originated, three years before current fiscal year	25,849		25,849		11,545
Financing receivable, year five, originated, four years before current fiscal year	11,088		11,088		6,709
Financing receivable, originated, more than five years before current fiscal year	17,150		17,150		13,400
Revolving Loans Amortized Cost Basis	2,111		2,111		3,498
Financing receivable, before allowance for credit loss	94,809		94,809		90,775
Mortgage | 1-4 family non-owner occupied | 700-749
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	2,089		2,089		3,904
Financing receivable, year two, originated, fiscal year before current fiscal year	3,211		3,211		7,013
Financing receivable, year three, originated, two years before current fiscal year	8,060		8,060		8,825
Financing receivable, year four, originated, three years before current fiscal year	5,369		5,369		4,145
Financing receivable, year five, originated, four years before current fiscal year	3,088		3,088		667
Financing receivable, originated, more than five years before current fiscal year	7,461		7,461		6,719
Revolving Loans Amortized Cost Basis	2,019		2,019		2,095
Financing receivable, before allowance for credit loss	31,297		31,297		33,368
Mortgage | 1-4 family non-owner occupied | 650-699
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	56		56		216
Financing receivable, year two, originated, fiscal year before current fiscal year	201		201		1,879
Financing receivable, year three, originated, two years before current fiscal year	496		496		1,844
Financing receivable, year four, originated, three years before current fiscal year	3,670		3,670		2,543
Financing receivable, year five, originated, four years before current fiscal year	2,197		2,197		197
Financing receivable, originated, more than five years before current fiscal year	3,952		3,952		3,521
Revolving Loans Amortized Cost Basis	246		246		277
Financing receivable, before allowance for credit loss	10,818		10,818		10,477
Mortgage | 1-4 family non-owner occupied | 600-649
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		388
Financing receivable, year three, originated, two years before current fiscal year	61		61		1,445
Financing receivable, year four, originated, three years before current fiscal year	580		580		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		75
Financing receivable, originated, more than five years before current fiscal year	1,072		1,072		1,226
Revolving Loans Amortized Cost Basis	109		109		362
Financing receivable, before allowance for credit loss	1,822		1,822		3,496
Mortgage | 1-4 family non-owner occupied | 550-599
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		61
Financing receivable, year three, originated, two years before current fiscal year	0		0		52
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	434		434		873
Revolving Loans Amortized Cost Basis	69		69		0
Financing receivable, before allowance for credit loss	503		503		986
Mortgage | 1-4 family non-owner occupied | 500-549
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	817		817		142
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	817		817		142
Mortgage | 1-4 family non-owner occupied | Under 500
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	45		45		137
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	45		45		137
Mortgage | 1-4 family non-owner occupied | Unknown
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	0		0		0
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	0		0		0
Mortgage | 1-4 family - 2nd lien
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	3,843		3,843		5,168
Financing receivable, year two, originated, fiscal year before current fiscal year	4,832		4,832		4,769
Financing receivable, year three, originated, two years before current fiscal year	5,378		5,378		5,020
Financing receivable, year four, originated, three years before current fiscal year	5,213		5,213		3,640
Financing receivable, year five, originated, four years before current fiscal year	4,007		4,007		1,854
Financing receivable, originated, more than five years before current fiscal year	10,733		10,733		9,803
Revolving Loans Amortized Cost Basis	95,197		95,197		85,778
Financing receivable, before allowance for credit loss	129,203		129,203		116,032
Accrued interest, current fiscal year	14		14		19
Accrued interest, fiscal year before current	19		19		14
Accrued interest, two years before current	19		19		10
Accrued interest, three years before current	12		12		7
Accrued interest, four years before current	12		12		6
Accrued interest, more than five years before current fiscal year	55		55		41
Accrued interest, revolving	772		772		707
Accrued interest excluded from total	903		903		804
Gross charge-offs, current fiscal year			0		0
Gross charge-offs, fiscal year before current			0		0
Gross charge-offs, two years before current			0		0
Gross charge-offs, three years before current			0		0
Gross charge-offs, four years before current			0		0
Gross charge-offs, more than five years before current			3		5
Gross charge-offs, revolving			22		0
Current period gross charge-offs			25		5
Mortgage | 1-4 family - 2nd lien | 800 and above
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	277		277		537
Financing receivable, year two, originated, fiscal year before current fiscal year	457		457		156
Financing receivable, year three, originated, two years before current fiscal year	264		264		703
Financing receivable, year four, originated, three years before current fiscal year	260		260		389
Financing receivable, year five, originated, four years before current fiscal year	637		637		159
Financing receivable, originated, more than five years before current fiscal year	912		912		1,153
Revolving Loans Amortized Cost Basis	12,319		12,319		9,817
Financing receivable, before allowance for credit loss	15,126		15,126		12,914
Mortgage | 1-4 family - 2nd lien | 750-799
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	2,084		2,084		2,260
Financing receivable, year two, originated, fiscal year before current fiscal year	2,591		2,591		2,879
Financing receivable, year three, originated, two years before current fiscal year	2,467		2,467		2,359
Financing receivable, year four, originated, three years before current fiscal year	3,189		3,189		2,341
Financing receivable, year five, originated, four years before current fiscal year	2,228		2,228		898
Financing receivable, originated, more than five years before current fiscal year	3,240		3,240		3,084
Revolving Loans Amortized Cost Basis	42,368		42,368		38,277
Financing receivable, before allowance for credit loss	58,167		58,167		52,098
Mortgage | 1-4 family - 2nd lien | 700-749
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	1,457		1,457		1,895
Financing receivable, year two, originated, fiscal year before current fiscal year	1,077		1,077		1,243
Financing receivable, year three, originated, two years before current fiscal year	1,967		1,967		1,464
Financing receivable, year four, originated, three years before current fiscal year	806		806		324
Financing receivable, year five, originated, four years before current fiscal year	549		549		224
Financing receivable, originated, more than five years before current fiscal year	2,843		2,843		2,348
Revolving Loans Amortized Cost Basis	27,820		27,820		25,849
Financing receivable, before allowance for credit loss	36,519		36,519		33,347
Mortgage | 1-4 family - 2nd lien | 650-699
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	25		25		425
Financing receivable, year two, originated, fiscal year before current fiscal year	293		293		285
Financing receivable, year three, originated, two years before current fiscal year	498		498		182
Financing receivable, year four, originated, three years before current fiscal year	653		653		519
Financing receivable, year five, originated, four years before current fiscal year	474		474		302
Financing receivable, originated, more than five years before current fiscal year	1,598		1,598		1,869
Revolving Loans Amortized Cost Basis	10,644		10,644		8,945
Financing receivable, before allowance for credit loss	14,185		14,185		12,527
Mortgage | 1-4 family - 2nd lien | 600-649
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		51
Financing receivable, year two, originated, fiscal year before current fiscal year	297		297		107
Financing receivable, year three, originated, two years before current fiscal year	124		124		97
Financing receivable, year four, originated, three years before current fiscal year	236		236		67
Financing receivable, year five, originated, four years before current fiscal year	80		80		37
Financing receivable, originated, more than five years before current fiscal year	765		765		563
Revolving Loans Amortized Cost Basis	1,232		1,232		1,886
Financing receivable, before allowance for credit loss	2,734		2,734		2,808
Mortgage | 1-4 family - 2nd lien | 550-599
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	78		78		80
Financing receivable, year three, originated, two years before current fiscal year	38		38		203
Financing receivable, year four, originated, three years before current fiscal year	69		69		0
Financing receivable, year five, originated, four years before current fiscal year	39		39		157
Financing receivable, originated, more than five years before current fiscal year	628		628		238
Revolving Loans Amortized Cost Basis	399		399		638
Financing receivable, before allowance for credit loss	1,251		1,251		1,316
Mortgage | 1-4 family - 2nd lien | 500-549
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	39		39		0
Financing receivable, year three, originated, two years before current fiscal year	20		20		12
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	548		548		487
Revolving Loans Amortized Cost Basis	415		415		331
Financing receivable, before allowance for credit loss	1,022		1,022		830
Mortgage | 1-4 family - 2nd lien | Under 500
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		19
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		77
Financing receivable, originated, more than five years before current fiscal year	199		199		61
Revolving Loans Amortized Cost Basis	0		0		35
Financing receivable, before allowance for credit loss	199		199		192
Mortgage | 1-4 family - 2nd lien | Unknown
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	0		0		0
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	0		0		0
Mortgage | Resort lending
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		41
Financing receivable, year two, originated, fiscal year before current fiscal year	40		40		925
Financing receivable, year three, originated, two years before current fiscal year	911		911		1,880
Financing receivable, year four, originated, three years before current fiscal year	1,283		1,283		1,334
Financing receivable, year five, originated, four years before current fiscal year	1,302		1,302		179
Financing receivable, originated, more than five years before current fiscal year	28,606		28,606		31,257
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	32,142		32,142		35,616
Accrued interest, current fiscal year	0		0		0
Accrued interest, fiscal year before current	0		0		4
Accrued interest, two years before current	4		4		3
Accrued interest, three years before current	4		4		4
Accrued interest, four years before current	4		4		0
Accrued interest, more than five years before current fiscal year	156		156		142
Accrued interest, revolving	0		0		0
Accrued interest excluded from total	168		168		153
Gross charge-offs, current fiscal year			0		0
Gross charge-offs, fiscal year before current			0		0
Gross charge-offs, two years before current			0		0
Gross charge-offs, three years before current			0		0
Gross charge-offs, four years before current			0		0
Gross charge-offs, more than five years before current			50		120
Gross charge-offs, revolving			0		0
Current period gross charge-offs			50		120
Mortgage | Resort lending | 800 and above
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		99
Financing receivable, year four, originated, three years before current fiscal year	416		416		0
Financing receivable, year five, originated, four years before current fiscal year	627		627		0
Financing receivable, originated, more than five years before current fiscal year	4,892		4,892		5,643
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	5,935		5,935		5,742
Mortgage | Resort lending | 750-799
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		41
Financing receivable, year two, originated, fiscal year before current fiscal year	40		40		817
Financing receivable, year three, originated, two years before current fiscal year	584		584		910
Financing receivable, year four, originated, three years before current fiscal year	570		570		858
Financing receivable, year five, originated, four years before current fiscal year	105		105		179
Financing receivable, originated, more than five years before current fiscal year	12,439		12,439		12,649
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	13,738		13,738		15,454
Mortgage | Resort lending | 700-749
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		108
Financing receivable, year three, originated, two years before current fiscal year	327		327		871
Financing receivable, year four, originated, three years before current fiscal year	297		297		111
Financing receivable, year five, originated, four years before current fiscal year	135		135		0
Financing receivable, originated, more than five years before current fiscal year	4,373		4,373		5,439
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	5,132		5,132		6,529
Mortgage | Resort lending | 650-699
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		316
Financing receivable, year five, originated, four years before current fiscal year	389		389		0
Financing receivable, originated, more than five years before current fiscal year	5,611		5,611		6,219
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	6,000		6,000		6,535
Mortgage | Resort lending | 600-649
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		49
Financing receivable, year five, originated, four years before current fiscal year	46		46		0
Financing receivable, originated, more than five years before current fiscal year	1,148		1,148		844
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	1,194		1,194		893
Mortgage | Resort lending | 550-599
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	57		57		267
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	57		57		267
Mortgage | Resort lending | 500-549
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	86		86		59
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	86		86		59
Mortgage | Resort lending | Under 500
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	0		0		137
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	0		0		137
Mortgage | Resort lending | Unknown
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	0		0		0
Revolving Loans Amortized Cost Basis	0		0		0
Financing receivable, before allowance for credit loss	0		0		0
Installment
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	99,559		99,559		132,440
Financing receivable, year two, originated, fiscal year before current fiscal year	94,030		94,030		164,162
Financing receivable, year three, originated, two years before current fiscal year	140,563		140,563		150,928
Financing receivable, year four, originated, three years before current fiscal year	128,361		128,361		58,160
Financing receivable, year five, originated, four years before current fiscal year	47,015		47,015		44,913
Financing receivable, originated, more than five years before current fiscal year	96,112		96,112		74,695
Financing receivable, before allowance for credit loss	605,640		605,640		625,298
Accrued interest, current fiscal year	317		317		429
Accrued interest, fiscal year before current	357		357		417
Accrued interest, two years before current	348		348		355
Accrued interest, three years before current	292		292		136
Accrued interest, four years before current	101		101		112
Accrued interest, more than five years before current fiscal year	249		249		211
Accrued interest excluded from total	1,664		1,664		1,660
Gross charge-offs, current fiscal year			1,327		1,705
Gross charge-offs, fiscal year before current			119		279
Gross charge-offs, two years before current			275		236
Gross charge-offs, three years before current			347		49
Gross charge-offs, four years before current			99		108
Gross charge-offs, more than five years before current			253		211
Gross charge-offs, revolving			2,420		2,588
Current period gross charge-offs	992	$ 557	2,420	$ 1,778
Installment | 800 and above
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	10,854		10,854		10,877
Financing receivable, year two, originated, fiscal year before current fiscal year	10,324		10,324		20,582
Financing receivable, year three, originated, two years before current fiscal year	20,675		20,675		21,451
Financing receivable, year four, originated, three years before current fiscal year	18,632		18,632		7,993
Financing receivable, year five, originated, four years before current fiscal year	8,312		8,312		8,481
Financing receivable, originated, more than five years before current fiscal year	18,486		18,486		13,903
Financing receivable, before allowance for credit loss	87,283		87,283		83,287
Installment | 750-799
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	43,114		43,114		61,633
Financing receivable, year two, originated, fiscal year before current fiscal year	51,976		51,976		87,975
Financing receivable, year three, originated, two years before current fiscal year	73,520		73,520		75,378
Financing receivable, year four, originated, three years before current fiscal year	63,496		63,496		32,911
Financing receivable, year five, originated, four years before current fiscal year	24,222		24,222		23,210
Financing receivable, originated, more than five years before current fiscal year	48,585		48,585		37,443
Financing receivable, before allowance for credit loss	304,913		304,913		318,550
Installment | 700-749
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	29,651		29,651		38,791
Financing receivable, year two, originated, fiscal year before current fiscal year	22,500		22,500		40,236
Financing receivable, year three, originated, two years before current fiscal year	32,082		32,082		37,033
Financing receivable, year four, originated, three years before current fiscal year	31,203		31,203		11,992
Financing receivable, year five, originated, four years before current fiscal year	10,115		10,115		9,493
Financing receivable, originated, more than five years before current fiscal year	19,282		19,282		15,100
Financing receivable, before allowance for credit loss	144,833		144,833		152,645
Installment | 650-699
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	14,892		14,892		18,659
Financing receivable, year two, originated, fiscal year before current fiscal year	6,689		6,689		11,134
Financing receivable, year three, originated, two years before current fiscal year	9,102		9,102		11,844
Financing receivable, year four, originated, three years before current fiscal year	9,626		9,626		3,878
Financing receivable, year five, originated, four years before current fiscal year	3,131		3,131		2,439
Financing receivable, originated, more than five years before current fiscal year	6,389		6,389		5,389
Financing receivable, before allowance for credit loss	49,829		49,829		53,343
Installment | 600-649
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	332		332		1,509
Financing receivable, year two, originated, fiscal year before current fiscal year	1,844		1,844		1,761
Financing receivable, year three, originated, two years before current fiscal year	3,290		3,290		2,776
Financing receivable, year four, originated, three years before current fiscal year	2,888		2,888		800
Financing receivable, year five, originated, four years before current fiscal year	560		560		586
Financing receivable, originated, more than five years before current fiscal year	1,821		1,821		1,459
Financing receivable, before allowance for credit loss	10,735		10,735		8,891
Installment | 550-599
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	30		30		224
Financing receivable, year two, originated, fiscal year before current fiscal year	446		446		977
Financing receivable, year three, originated, two years before current fiscal year	714		714		1,496
Financing receivable, year four, originated, three years before current fiscal year	1,326		1,326		245
Financing receivable, year five, originated, four years before current fiscal year	212		212		410
Financing receivable, originated, more than five years before current fiscal year	822		822		894
Financing receivable, before allowance for credit loss	3,550		3,550		4,246
Installment | 500-549
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	6		6		98
Financing receivable, year two, originated, fiscal year before current fiscal year	175		175		1,292
Financing receivable, year three, originated, two years before current fiscal year	855		855		779
Financing receivable, year four, originated, three years before current fiscal year	981		981		293
Financing receivable, year five, originated, four years before current fiscal year	431		431		167
Financing receivable, originated, more than five years before current fiscal year	579		579		424
Financing receivable, before allowance for credit loss	3,027		3,027		3,053
Installment | Under 500
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	76		76		205
Financing receivable, year three, originated, two years before current fiscal year	325		325		171
Financing receivable, year four, originated, three years before current fiscal year	209		209		48
Financing receivable, year five, originated, four years before current fiscal year	32		32		127
Financing receivable, originated, more than five years before current fiscal year	148		148		83
Financing receivable, before allowance for credit loss	790		790		634
Installment | Unknown
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	680		680		649
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	0		0		0
Financing receivable, before allowance for credit loss	680		680		649
Installment | Boat lending
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	44,586		44,586		59,895
Financing receivable, year two, originated, fiscal year before current fiscal year	50,860		50,860		63,070
Financing receivable, year three, originated, two years before current fiscal year	54,744		54,744		55,295
Financing receivable, year four, originated, three years before current fiscal year	47,139		47,139		26,471
Financing receivable, year five, originated, four years before current fiscal year	21,933		21,933		23,507
Financing receivable, originated, more than five years before current fiscal year	52,384		52,384		40,410
Financing receivable, before allowance for credit loss	271,646		271,646		268,648
Accrued interest, current fiscal year	172		172		216
Accrued interest, fiscal year before current	194		194		154
Accrued interest, two years before current	130		130		132
Accrued interest, three years before current	107		107		63
Accrued interest, four years before current	48		48		58
Accrued interest, more than five years before current fiscal year	113		113		91
Accrued interest excluded from total	764		764		714
Gross charge-offs, current fiscal year			0		0
Gross charge-offs, fiscal year before current			8		53
Gross charge-offs, two years before current			31		0
Gross charge-offs, three years before current			8		0
Gross charge-offs, four years before current			49		15
Gross charge-offs, more than five years before current			53		53
Gross charge-offs, revolving			149		121
Installment | Boat lending | 800 and above
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	7,364		7,364		6,110
Financing receivable, year two, originated, fiscal year before current fiscal year	5,486		5,486		8,150
Financing receivable, year three, originated, two years before current fiscal year	9,270		9,270		8,250
Financing receivable, year four, originated, three years before current fiscal year	7,411		7,411		3,612
Financing receivable, year five, originated, four years before current fiscal year	4,120		4,120		4,061
Financing receivable, originated, more than five years before current fiscal year	10,402		10,402		7,665
Financing receivable, before allowance for credit loss	44,053		44,053		37,848
Installment | Boat lending | 750-799
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	23,978		23,978		34,174
Financing receivable, year two, originated, fiscal year before current fiscal year	30,812		30,812		35,921
Financing receivable, year three, originated, two years before current fiscal year	29,384		29,384		29,665
Financing receivable, year four, originated, three years before current fiscal year	25,314		25,314		16,329
Financing receivable, year five, originated, four years before current fiscal year	12,030		12,030		13,173
Financing receivable, originated, more than five years before current fiscal year	27,440		27,440		21,432
Financing receivable, before allowance for credit loss	148,958		148,958		150,694
Installment | Boat lending | 700-749
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	10,748		10,748		15,593
Financing receivable, year two, originated, fiscal year before current fiscal year	11,009		11,009		15,042
Financing receivable, year three, originated, two years before current fiscal year	12,029		12,029		11,859
Financing receivable, year four, originated, three years before current fiscal year	10,082		10,082		4,481
Financing receivable, year five, originated, four years before current fiscal year	4,108		4,108		4,757
Financing receivable, originated, more than five years before current fiscal year	10,049		10,049		7,279
Financing receivable, before allowance for credit loss	58,025		58,025		59,011
Installment | Boat lending | 650-699
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	2,496		2,496		3,652
Financing receivable, year two, originated, fiscal year before current fiscal year	2,441		2,441		3,029
Financing receivable, year three, originated, two years before current fiscal year	2,879		2,879		4,277
Financing receivable, year four, originated, three years before current fiscal year	3,264		3,264		1,545
Financing receivable, year five, originated, four years before current fiscal year	1,254		1,254		1,237
Financing receivable, originated, more than five years before current fiscal year	3,061		3,061		2,842
Financing receivable, before allowance for credit loss	15,395		15,395		16,582
Installment | Boat lending | 600-649
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		281
Financing receivable, year two, originated, fiscal year before current fiscal year	971		971		432
Financing receivable, year three, originated, two years before current fiscal year	880		880		808
Financing receivable, year four, originated, three years before current fiscal year	635		635		268
Financing receivable, year five, originated, four years before current fiscal year	209		209		171
Financing receivable, originated, more than five years before current fiscal year	826		826		620
Financing receivable, before allowance for credit loss	3,521		3,521		2,580
Installment | Boat lending | 550-599
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		85
Financing receivable, year two, originated, fiscal year before current fiscal year	88		88		344
Financing receivable, year three, originated, two years before current fiscal year	227		227		229
Financing receivable, year four, originated, three years before current fiscal year	252		252		139
Financing receivable, year five, originated, four years before current fiscal year	75		75		108
Financing receivable, originated, more than five years before current fiscal year	394		394		335
Financing receivable, before allowance for credit loss	1,036		1,036		1,240
Installment | Boat lending | 500-549
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	17		17		152
Financing receivable, year three, originated, two years before current fiscal year	75		75		207
Financing receivable, year four, originated, three years before current fiscal year	181		181		97
Financing receivable, year five, originated, four years before current fiscal year	137		137		0
Financing receivable, originated, more than five years before current fiscal year	114		114		198
Financing receivable, before allowance for credit loss	524		524		654
Installment | Boat lending | Under 500
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	36		36		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	98		98		39
Financing receivable, before allowance for credit loss	134		134		39
Installment | Boat lending | Unknown
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	0		0		0
Financing receivable, before allowance for credit loss	0		0		0
Installment | Recreational vehicle lending
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	18,003		18,003		28,653
Financing receivable, year two, originated, fiscal year before current fiscal year	24,747		24,747		77,550
Financing receivable, year three, originated, two years before current fiscal year	68,075		68,075		79,893
Financing receivable, year four, originated, three years before current fiscal year	69,795		69,795		24,110
Financing receivable, year five, originated, four years before current fiscal year	19,850		19,850		17,641
Financing receivable, originated, more than five years before current fiscal year	32,597		32,597		24,005
Financing receivable, before allowance for credit loss	233,067		233,067		251,852
Accrued interest, current fiscal year	67		67		112
Accrued interest, fiscal year before current	93		93		201
Accrued interest, two years before current	176		176		189
Accrued interest, three years before current	161		161		56
Accrued interest, four years before current	43		43		44
Accrued interest, more than five years before current fiscal year	71		71		53
Accrued interest excluded from total	611		611		655
Gross charge-offs, current fiscal year			0		28
Gross charge-offs, fiscal year before current			42		122
Gross charge-offs, two years before current			152		192
Gross charge-offs, three years before current			322		32
Gross charge-offs, four years before current			42		81
Gross charge-offs, more than five years before current			109		11
Gross charge-offs, revolving			667		466
Installment | Recreational vehicle lending | 800 and above
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	1,669		1,669		3,168
Financing receivable, year two, originated, fiscal year before current fiscal year	3,747		3,747		10,759
Financing receivable, year three, originated, two years before current fiscal year	9,836		9,836		11,568
Financing receivable, year four, originated, three years before current fiscal year	10,072		10,072		3,484
Financing receivable, year five, originated, four years before current fiscal year	3,569		3,569		3,838
Financing receivable, originated, more than five years before current fiscal year	7,083		7,083		5,482
Financing receivable, before allowance for credit loss	35,976		35,976		38,299
Installment | Recreational vehicle lending | 750-799
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	10,758		10,758		15,677
Financing receivable, year two, originated, fiscal year before current fiscal year	12,372		12,372		41,037
Financing receivable, year three, originated, two years before current fiscal year	36,098		36,098		39,113
Financing receivable, year four, originated, three years before current fiscal year	33,234		33,234		13,025
Financing receivable, year five, originated, four years before current fiscal year	9,720		9,720		8,415
Financing receivable, originated, more than five years before current fiscal year	16,312		16,312		11,934
Financing receivable, before allowance for credit loss	118,494		118,494		129,201
Installment | Recreational vehicle lending | 700-749
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	4,168		4,168		6,481
Financing receivable, year two, originated, fiscal year before current fiscal year	5,496		5,496		18,630
Financing receivable, year three, originated, two years before current fiscal year	14,956		14,956		20,161
Financing receivable, year four, originated, three years before current fiscal year	17,670		17,670		5,243
Financing receivable, year five, originated, four years before current fiscal year	4,615		4,615		3,689
Financing receivable, originated, more than five years before current fiscal year	5,986		5,986		4,460
Financing receivable, before allowance for credit loss	52,891		52,891		58,664
Installment | Recreational vehicle lending | 650-699
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	1,314		1,314		2,524
Financing receivable, year two, originated, fiscal year before current fiscal year	2,357		2,357		5,108
Financing receivable, year three, originated, two years before current fiscal year	4,286		4,286		6,073
Financing receivable, year four, originated, three years before current fiscal year	5,324		5,324		1,706
Financing receivable, year five, originated, four years before current fiscal year	1,353		1,353		936
Financing receivable, originated, more than five years before current fiscal year	1,864		1,864		1,157
Financing receivable, before allowance for credit loss	16,498		16,498		17,504
Installment | Recreational vehicle lending | 600-649
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	72		72		713
Financing receivable, year two, originated, fiscal year before current fiscal year	456		456		724
Financing receivable, year three, originated, two years before current fiscal year	1,856		1,856		1,573
Financing receivable, year four, originated, three years before current fiscal year	1,863		1,863		394
Financing receivable, year five, originated, four years before current fiscal year	247		247		308
Financing receivable, originated, more than five years before current fiscal year	665		665		429
Financing receivable, before allowance for credit loss	5,159		5,159		4,141
Installment | Recreational vehicle lending | 550-599
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	22		22		90
Financing receivable, year two, originated, fiscal year before current fiscal year	201		201		304
Financing receivable, year three, originated, two years before current fiscal year	266		266		973
Financing receivable, year four, originated, three years before current fiscal year	897		897		71
Financing receivable, year five, originated, four years before current fiscal year	85		85		249
Financing receivable, originated, more than five years before current fiscal year	291		291		383
Financing receivable, before allowance for credit loss	1,762		1,762		2,070
Installment | Recreational vehicle lending | 500-549
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	118		118		880
Financing receivable, year three, originated, two years before current fiscal year	542		542		326
Financing receivable, year four, originated, three years before current fiscal year	576		576		153
Financing receivable, year five, originated, four years before current fiscal year	229		229		136
Financing receivable, originated, more than five years before current fiscal year	355		355		154
Financing receivable, before allowance for credit loss	1,820		1,820		1,649
Installment | Recreational vehicle lending | Under 500
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		108
Financing receivable, year three, originated, two years before current fiscal year	235		235		106
Financing receivable, year four, originated, three years before current fiscal year	159		159		34
Financing receivable, year five, originated, four years before current fiscal year	32		32		70
Financing receivable, originated, more than five years before current fiscal year	41		41		6
Financing receivable, before allowance for credit loss	467		467		324
Installment | Recreational vehicle lending | Unknown
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	0		0		0
Financing receivable, before allowance for credit loss	0		0		0
Installment | Other
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	36,970		36,970		43,892
Financing receivable, year two, originated, fiscal year before current fiscal year	18,423		18,423		23,542
Financing receivable, year three, originated, two years before current fiscal year	17,744		17,744		15,740
Financing receivable, year four, originated, three years before current fiscal year	11,427		11,427		7,579
Financing receivable, year five, originated, four years before current fiscal year	5,232		5,232		3,765
Financing receivable, originated, more than five years before current fiscal year	11,131		11,131		10,280
Financing receivable, before allowance for credit loss	100,927		100,927		104,798
Accrued interest, current fiscal year	78		78		101
Accrued interest, fiscal year before current	70		70		62
Accrued interest, two years before current	42		42		34
Accrued interest, three years before current	24		24		17
Accrued interest, four years before current	10		10		10
Accrued interest, more than five years before current fiscal year	65		65		67
Accrued interest excluded from total	289		289		291
Gross charge-offs, current fiscal year			1,327		1,677
Gross charge-offs, fiscal year before current			69		104
Gross charge-offs, two years before current			92		44
Gross charge-offs, three years before current			17		17
Gross charge-offs, four years before current			8		12
Gross charge-offs, more than five years before current			91		147
Gross charge-offs, revolving			1,604		2,001
Installment | Other | 800 and above
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	1,821		1,821		1,599
Financing receivable, year two, originated, fiscal year before current fiscal year	1,091		1,091		1,673
Financing receivable, year three, originated, two years before current fiscal year	1,569		1,569		1,633
Financing receivable, year four, originated, three years before current fiscal year	1,149		1,149		897
Financing receivable, year five, originated, four years before current fiscal year	623		623		582
Financing receivable, originated, more than five years before current fiscal year	1,001		1,001		756
Financing receivable, before allowance for credit loss	7,254		7,254		7,140
Installment | Other | 750-799
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	8,378		8,378		11,782
Financing receivable, year two, originated, fiscal year before current fiscal year	8,792		8,792		11,017
Financing receivable, year three, originated, two years before current fiscal year	8,038		8,038		6,600
Financing receivable, year four, originated, three years before current fiscal year	4,948		4,948		3,557
Financing receivable, year five, originated, four years before current fiscal year	2,472		2,472		1,622
Financing receivable, originated, more than five years before current fiscal year	4,833		4,833		4,077
Financing receivable, before allowance for credit loss	37,461		37,461		38,655
Installment | Other | 700-749
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	14,735		14,735		16,717
Financing receivable, year two, originated, fiscal year before current fiscal year	5,995		5,995		6,564
Financing receivable, year three, originated, two years before current fiscal year	5,097		5,097		5,013
Financing receivable, year four, originated, three years before current fiscal year	3,451		3,451		2,268
Financing receivable, year five, originated, four years before current fiscal year	1,392		1,392		1,047
Financing receivable, originated, more than five years before current fiscal year	3,247		3,247		3,361
Financing receivable, before allowance for credit loss	33,917		33,917		34,970
Installment | Other | 650-699
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	11,082		11,082		12,483
Financing receivable, year two, originated, fiscal year before current fiscal year	1,891		1,891		2,997
Financing receivable, year three, originated, two years before current fiscal year	1,937		1,937		1,494
Financing receivable, year four, originated, three years before current fiscal year	1,038		1,038		627
Financing receivable, year five, originated, four years before current fiscal year	524		524		266
Financing receivable, originated, more than five years before current fiscal year	1,464		1,464		1,390
Financing receivable, before allowance for credit loss	17,936		17,936		19,257
Installment | Other | 600-649
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	260		260		515
Financing receivable, year two, originated, fiscal year before current fiscal year	417		417		605
Financing receivable, year three, originated, two years before current fiscal year	554		554		395
Financing receivable, year four, originated, three years before current fiscal year	390		390		138
Financing receivable, year five, originated, four years before current fiscal year	104		104		107
Financing receivable, originated, more than five years before current fiscal year	330		330		410
Financing receivable, before allowance for credit loss	2,055		2,055		2,170
Installment | Other | 550-599
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	8		8		49
Financing receivable, year two, originated, fiscal year before current fiscal year	157		157		329
Financing receivable, year three, originated, two years before current fiscal year	221		221		294
Financing receivable, year four, originated, three years before current fiscal year	177		177		35
Financing receivable, year five, originated, four years before current fiscal year	52		52		53
Financing receivable, originated, more than five years before current fiscal year	137		137		176
Financing receivable, before allowance for credit loss	752		752		936
Installment | Other | 500-549
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	6		6		98
Financing receivable, year two, originated, fiscal year before current fiscal year	40		40		260
Financing receivable, year three, originated, two years before current fiscal year	238		238		246
Financing receivable, year four, originated, three years before current fiscal year	224		224		43
Financing receivable, year five, originated, four years before current fiscal year	65		65		31
Financing receivable, originated, more than five years before current fiscal year	110		110		72
Financing receivable, before allowance for credit loss	683		683		750
Installment | Other | Under 500
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	0		0		0
Financing receivable, year two, originated, fiscal year before current fiscal year	40		40		97
Financing receivable, year three, originated, two years before current fiscal year	90		90		65
Financing receivable, year four, originated, three years before current fiscal year	50		50		14
Financing receivable, year five, originated, four years before current fiscal year	0		0		57
Financing receivable, originated, more than five years before current fiscal year	9		9		38
Financing receivable, before allowance for credit loss	189		189		271
Installment | Other | Unknown
Summary of Credit Scores by Loan Class [Abstract]
Financing receivable, year one, originated, current fiscal year	680		680		649
Financing receivable, year two, originated, fiscal year before current fiscal year	0		0		0
Financing receivable, year three, originated, two years before current fiscal year	0		0		0
Financing receivable, year four, originated, three years before current fiscal year	0		0		0
Financing receivable, year five, originated, four years before current fiscal year	0		0		0
Financing receivable, originated, more than five years before current fiscal year	0		0		0
Financing receivable, before allowance for credit loss	$ 680		$ 680		$ 649

Shareholders' Equity and Earn_3

Shareholders' Equity and Earnings Per Common Share - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 19, 2023
Class of Stock [Line Items]
Repurchases of common stock (in shares)		88,401		288,401
Repurchases of common stock, value		$ 1,693		$ 4,963
Share-Based Payment Arrangement, Option
Class of Stock [Line Items]
Antidilutive shares excluded from computation of diluted loss per share (in shares)	0	0	0	0
Common Stock
Class of Stock [Line Items]
Number of shares authorized for repurchase (in shares)					1,100,000
Repurchases of common stock (in shares)			0	288,401
Repurchases of common stock, value		$ 1,693		$ 4,963

Shareholders' Equity and Earn_4

Shareholders' Equity and Earnings Per Common Share - Earnings Per Share Reconciliation (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Earnings Per Share Reconciliation [Abstract]
Net income	$ 13,810	$ 17,543	$ 48,329	$ 45,324
Weighted average shares outstanding (in shares)	20,896	20,922	20,892	21,021
Stock units for deferred compensation plan for non-employee directors (in shares)	182	163	178	157
Performance share units (in shares)	34	21	27	17
Effect of stock options (in shares)	3	8	3	12
Weighted average shares outstanding for calculation of diluted earnings per share (in shares)	21,115	21,114	21,100	21,207
Net income per common share
Basic (in dollars per share)	$ 0.66	$ 0.84	$ 2.31	$ 2.16
Diluted (in dollars per share)	$ 0.65	$ 0.83	$ 2.29	$ 2.14

Derivative Financial Instrume_3

Derivative Financial Instruments - Type of Hedge and Fair Value of Derivative Instruments (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Fair Value Hedging
Derivative Instrument Detail [Abstract]
Notional Amount	$ 445,610	$ 395,898
Average Maturity (years)	2 years 10 months 24 days	3 years 10 months 24 days
Fair Value	$ 7,159	$ 12,733
Fair Value Hedging | Interest Rate Cap
Derivative Instrument Detail [Abstract]
Notional Amount	$ 40,970	$ 40,970
Average Maturity (years)	3 years 7 months 6 days	4 years 3 months 18 days
Fair Value	$ 181	$ 456
Cash Flow Hedging | Interest Rate Floor
Derivative Instrument Detail [Abstract]
Notional Amount	$ 325,000	$ 150,000
Average Maturity (years)	2 years 6 months	3 years 6 months
Fair Value	$ 7,281	$ 4,221
Derivatives not designated as hedging instruments
Derivative Instrument Detail [Abstract]
Notional Amount	$ 1,051,604	$ 806,547
Average Maturity (years)	4 years 10 months 24 days	5 years 6 months
Fair Value	$ 278	$ (106)
Derivatives not designated as hedging instruments | Interest Rate Lock Commitments
Derivative Instrument Detail [Abstract]
Notional Amount	$ 26,947	$ 18,081
Average Maturity (years)	1 month 6 days	1 month 6 days
Fair Value	$ 253	$ 173
Derivatives not designated as hedging instruments | Mandatory Commitments to Sell Mortgage Loans
Derivative Instrument Detail [Abstract]
Notional Amount	$ 40,399	$ 30,442
Average Maturity (years)	1 month 6 days	1 month 6 days
Fair Value	$ 25	$ (279)
Fixed Income Interest Rate | Fair Value Hedging | Interest Rate Swap | Commercial
Derivative Instrument Detail [Abstract]
Notional Amount	$ 5,745	$ 6,033
Average Maturity (years)	4 years 7 months 6 days	5 years 4 months 24 days
Fair Value	$ 239	$ 349
Fixed Income Interest Rate | Fair Value Hedging | Interest Rate Swap | Installment
Derivative Instrument Detail [Abstract]
Notional Amount	$ 100,000	$ 100,000
Average Maturity (years)	2 years 8 months 12 days	3 years 4 months 24 days
Fair Value	$ (1,741)	$ (1,228)
Fixed Income Interest Rate | Fair Value Hedging | Interest Rate Swap | Mortgage
Derivative Instrument Detail [Abstract]
Notional Amount	$ 150,000	$ 100,000
Average Maturity (years)	2 years 9 months 18 days	4 years 3 months 18 days
Fair Value	$ (2,779)	$ (2,131)
Fixed Income Interest Rate | Fair Value Hedging | Interest Rate Swap, Noncommercial
Derivative Instrument Detail [Abstract]
Notional Amount	$ 148,895	$ 148,895
Average Maturity (years)	3 years 1 month 6 days	3 years 10 months 24 days
Fair Value	$ 11,259	$ 15,287
Fixed Income Interest Rate | Derivatives not designated as hedging instruments | Interest Rate Swap | Commercial
Derivative Instrument Detail [Abstract]
Notional Amount	$ 492,129	$ 379,012
Average Maturity (years)	5 years 2 months 12 days	5 years 10 months 24 days
Fair Value	$ (1,313)	$ 7,169
Variable Income Interest Rate | Derivatives not designated as hedging instruments | Interest Rate Swap | Commercial
Derivative Instrument Detail [Abstract]
Notional Amount	$ 492,129	$ 379,012
Average Maturity (years)	5 years 2 months 12 days	5 years 10 months 24 days
Fair Value	$ 1,313	$ (7,169)

Derivative Financial Instrume_4

Derivative Financial Instruments - Narrative (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Cash flow hedge gain (loss) to be reclassified within 12 months	$ 200
Derivative, term of contract	3 years 10 months 24 days
Fair Value Hedging
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Fair Value	$ 7,159	$ 12,733

Derivative Financial Instrume_5

Derivative Financial Instruments - Fair Values of Derivative Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	$ 38,774	$ 38,683
Liability Derivatives	24,056	21,835
Derivatives designated as hedging instruments
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	18,981	20,313
Liability Derivatives	4,541	3,359
Derivatives designated as hedging instruments | Interest Rate Cap | Other assets
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	181	456
Derivatives designated as hedging instruments | Interest Rate Cap | Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Liability Derivatives	0	0
Derivatives designated as hedging instruments | Interest Rate Floor | Other assets
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	7,281	4,221
Derivatives designated as hedging instruments | Interest Rate Floor | Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Liability Derivatives	0	0
Derivatives designated as hedging instruments | Fixed Income Interest Rate | Interest Rate Swap | Other assets
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	11,519	15,636
Derivatives designated as hedging instruments | Fixed Income Interest Rate | Interest Rate Swap | Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Liability Derivatives	4,541	3,359
Derivatives not designated as hedging instruments
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	19,793	18,370
Liability Derivatives	19,515	18,476
Derivatives not designated as hedging instruments | Interest Rate Lock Commitments | Other assets
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	253	173
Derivatives not designated as hedging instruments | Interest Rate Lock Commitments | Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Liability Derivatives	0	0
Derivatives not designated as hedging instruments | Mandatory Commitments to Sell Mortgage Loans | Other assets
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	25	0
Derivatives not designated as hedging instruments | Mandatory Commitments to Sell Mortgage Loans | Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Liability Derivatives	0	279
Derivatives not designated as hedging instruments | Fixed Income Interest Rate | Interest Rate Swap | Other assets | Commercial
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	9,101	12,683
Derivatives not designated as hedging instruments | Fixed Income Interest Rate | Interest Rate Swap | Other liabilities | Commercial
Derivative Instruments, Gain (Loss) [Line Items]
Liability Derivatives	10,414	5,514
Derivatives not designated as hedging instruments | Variable Income Interest Rate | Interest Rate Swap | Other assets | Commercial
Derivative Instruments, Gain (Loss) [Line Items]
Asset Derivatives	10,414	5,514
Derivatives not designated as hedging instruments | Variable Income Interest Rate | Interest Rate Swap | Other liabilities | Commercial
Derivative Instruments, Gain (Loss) [Line Items]
Liability Derivatives	$ 9,101	$ 12,683

Derivative Financial Instrume_6

Derivative Financial Instruments - Effect on the Condensed Consolidated Statements of Operations (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion)	$ 2,744	$ (527)	$ 52	$ (940)
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)	(390)	(72)	(1,005)	(224)
Derivatives not designated as hedging instruments
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	$ (11)	$ 91	$ 384	$ 1,073
Derivatives not designated as hedging instruments | Interest Rate Lock Commitments
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Mortgage loans	Mortgage loans	Mortgage loans	Mortgage loans
Gain (Loss) Recognized in Income	$ 111	$ (147)	$ 80	$ 916
Derivatives not designated as hedging instruments | Mandatory Commitments to Sell Mortgage Loans
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Mortgage loans	Mortgage loans	Mortgage loans	Mortgage loans
Gain (Loss) Recognized in Income	$ (122)	$ 238	$ 304	$ 169
Fair Value Hedging | Interest Rate Cap, Noncommercial
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion)	(255)	(25)	(194)	(438)
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)	(57)	(55)	(167)	(207)
Gain (Loss) Recognized in Income	(119)	39	(81)	286
Fair Value Hedging | Interest Rate Cap
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion)	(255)	(25)	(194)	(438)
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)	(57)	(55)	(167)	(207)
Gain (Loss) Recognized in Income	(10,546)	2,611	(5,380)	3,082
Fair Value Hedging | Installment | Interest Rate Cap
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion)	0	0	0	0
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)	0	0	0	0
Gain (Loss) Recognized in Income	0	0	0	(14)
Cash Flow Hedging | Commercial | Interest Rate Floor
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Effective Portion)	2,999	(502)	246	(502)
Loss Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)	(333)	(17)	(838)	(17)
Gain (Loss) Recognized in Income	$ (333)	$ (17)	$ (838)	$ (17)
Fixed Income Interest Rate | Derivatives not designated as hedging instruments | Commercial | Interest Rate Swap
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest income	Interest income	Interest income	Interest income
Gain (Loss) Recognized in Income	$ (15,031)	$ 5,579	$ (8,482)	$ 4,694
Fixed Income Interest Rate | Fair Value Hedging | Interest Rate Swap, Noncommercial
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Tax-exempt	Tax-exempt	Tax-exempt	Tax-exempt
Gain (Loss) Recognized in Income	$ (4,882)	$ 926	$ (4,028)	$ 550
Fixed Income Interest Rate | Fair Value Hedging | Commercial | Interest Rate Swap
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest and fees on loans	Interest and fees on loans	Interest and fees on loans	Interest and fees on loans
Gain (Loss) Recognized in Income	$ (184)	$ 96	$ (110)	$ 113
Fixed Income Interest Rate | Fair Value Hedging | Installment | Interest Rate Swap
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	(2,421)	765	(513)	1,362
Fixed Income Interest Rate | Fair Value Hedging | Mortgage | Interest Rate Swap
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	(2,940)	785	(648)	785
Variable Income Interest Rate | Derivatives not designated as hedging instruments | Interest Rate Swap
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	$ 0	$ 0	$ 0	$ (12)
Variable Income Interest Rate | Derivatives not designated as hedging instruments | Commercial | Interest Rate Swap
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest income	Interest income	Interest income	Interest income
Gain (Loss) Recognized in Income	$ 15,031	$ (5,579)	$ 8,482	$ (4,694)

Goodwill and Other Intangible_2

Goodwill and Other Intangibles - Summary of Intangible Assets, Net of Amortization (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Intangible Assets, Net (Excluding Goodwill) [Abstract]
Gross Carrying Amount	$ 11,916	$ 11,916
Accumulated Amortization	10,299	9,912
Goodwill, Impaired, Accumulated Impairment Loss [Abstract]
Goodwill	$ 28,300	$ 28,300

Goodwill and Other Intangible_3

Goodwill and Other Intangibles - Summary of Estimated Core Deposits Intangible Amortization (Details) $ in Thousands	Sep. 30, 2024 USD ($)
Summary of estimated core deposits intangible amortization [Abstract]
Three months ending December 31, 2024	$ 129
2025	487
2026	460
2027	434
2028	107
Total	$ 1,617

Share Based Compensation - Narr

Share Based Compensation - Narrative (Details) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Number of additional shares approved for grant (in shares)			400
Shares issued on deferral basis credited percentage of current value	90%		90%
Share-based payment arrangement, nonvested award, cost not yet recognized, amount	$ 3,100		$ 3,100
Share-based payment arrangement, nonvested award, cost not yet recognized, period for recognition			1 year 10 months 24 days
Long-Term Incentive Plan
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Share-based payment arrangement, expense	500	$ 500	$ 1,600	$ 1,400
Tax benefit relating to compensation expense recognized	100	100	$ 300	$ 300
Restricted stock | Long-Term Incentive Plan | Cliff Vest After Three Years
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Share-based compensation arrangement by share-based payment award, award vesting period			3 years	3 years
PSU | Long-Term Incentive Plan | Cliff Vest After Three Years
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Share-based compensation arrangement by share-based payment award, award vesting period			3 years	3 years
Performance feature comparison period			3 years	3 years
Non-Employee Directors
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Number of additional shares approved for grant (in shares)			100
Share-based payment arrangement, expense	60	90	$ 180	$ 270
Tax benefit relating to compensation expense recognized	$ 10	$ 20	$ 40	$ 60
Director
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Shares issues as retainer fees (in shares)			7	14

Share Based Compensation - Summ

Share Based Compensation - Summary of Restricted Stock and Performance Stock Units (Details) - Long-Term Incentive Plan - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Restricted stock
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Granted (in shares)	0	0	81,355	84,846
PSU
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Granted (in shares)	0	0	18,822	18,790

Share Based Compensation - Outs

Share Based Compensation - Outstanding Stock Option Grants and Related Transactions (Details) - Share-Based Payment Arrangement, Option $ / shares in Units, $ in Thousands	9 Months Ended
	Sep. 30, 2024 USD ($) $ / shares shares
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding [Roll Forward]
Outstanding, beginning balance (in shares)	11,724
Granted (in shares)	0
Exercised (in shares)	(5,583)
Forfeited (in shares)	0
Expired (in shares)	0
Outstanding, ending balance (in shares)	6,141
Vested and expected to vest, period end (in shares)	6,141
Exercisable, period end (in shares)	6,141
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Outstanding, beginning balance (in dollars per share) | $ / shares	$ 11.73
Exercised (in dollars per share) | $ / shares	8.96
Outstanding, ending balance (in dollars per share) | $ / shares	14.24
Vested and expected to vest, period end (in dollars per share) | $ / shares	14.24
Exercisable, period end (in dollars per share) | $ / shares	$ 14.24
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Additional Disclosures [Abstract]
Outstanding, period end, weighted average remaining contractual term	2 years 6 months
Vested and expected to vest, period end, weighted average remaining contractual term	2 years 6 months
Exercisable, period end, weighted average remaining contractual term	2 years 6 months
Aggregate Intrinsic Value [Abstract]
Outstanding, period end, aggregate intrinsic value | $	$ 117
Vested and expected to vest, period end, aggregate intrinsic value | $	117
Exercisable, period end, aggregate intrinsic value | $	$ 117

Share Based Compensation - Ou_2

Share Based Compensation - Outstanding Non-vested Restricted Stock and PSUs and Related Transactions (Details) - Non-vested Restricted Stock and PSU's	9 Months Ended
	Sep. 30, 2024 $ / shares shares
Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares) | shares	269,233
Granted (in shares) | shares	100,177
Vested (in shares) | shares	(95,498)
Forfeited (in shares) | shares	(8,066)
Outstanding, ending balance (in shares) | shares	265,846
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]
Outstanding, beginning balance (in dollars per share) | $ / shares	$ 22.93
Granted (in dollars per share) | $ / shares	24.53
Vested (in dollars per share) | $ / shares	20.49
Forfeited (in dollars per share) | $ / shares	23.99
Outstanding, ending balance (in dollars per share) | $ / shares	$ 24.38

Share Based Compensation - Opti

Share Based Compensation - Options Exercised During the Periods (Details) - Share-Based Payment Arrangement, Option - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Share-Based Compensation Arrangement by Share-Based Payment Award, Additional General Disclosures [Abstract]
Intrinsic value	$ 0	$ 0	$ 91	$ 299
Cash proceeds received	0	0	0	148
Tax benefit realized	$ 0	$ 0	$ 19	$ 63

Income Tax (Details)

Income Tax (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
Income Tax Disclosure [Abstract]
Income tax expense	$ 3,481	$ 4,109	$ 11,949	$ 10,405
Effective income tax rate reconciliation, tax expense (benefit), share-based payment arrangement, amount	8	$ 3	117	$ 47
Unrecognized tax benefits	$ 200		$ 200		$ 200

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)	Jun. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)	Jun. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Banking Regulation, Tier 1 Leverage Capital [Abstract]
Capital conservation buffer	0.0250	0.0250
Components of regulatory capital [Abstract]
Total shareholders' equity	$ 452,369	$ 404,449	$ 430,459	$ 374,998	$ 375,162	$ 347,596
Add (deduct)
Accumulated other comprehensive (income) loss for regulatory purposes	(58,252)	(72,142)
Subordinated debt	$ 39,567	$ 39,510
Period of transition method for regulatory purposes	3 years	3 years
Consolidated
Banking Regulation, Total Capital [Abstract]
Total risk-based capital	$ 606,783	$ 573,972
Actual, ratio	0.1425	0.1371
Banking regulation, total risk-based capital, capital adequacy, minimum	$ 340,539	$ 335,014
Minimum for adequately capitalized institutions, ratio	0.0800	0.0800
Tier 1 capital to risk-weighted assets [Abstract]
Actual, amount	$ 513,461	$ 481,569
Banking regulation, tier 1 risk-based capital ratio, accrual	0.1206	0.1150
Minimum for adequately capitalized institutions, amount	$ 255,404	$ 251,260
Minimum for adequately capitalized institutions, ratio	0.0600	0.0600
Common equity tier 1 capital to risk-weighted assets [Abstract]
Actual, amount	$ 474,906	$ 443,065
Actual, ratio	0.1116	0.1058
Minimum for adequately capitalized institutions, amount	$ 191,553	$ 188,445
Minimum for adequately capitalized institutions, ratio	0.0450	0.0450
Banking Regulation, Tier 1 Leverage Capital [Abstract]
Tier 1 capital	$ 513,461	$ 481,569
Actual, ratio	0.0962	0.0903
Minimum for adequately capitalized institutions, amount	$ 213,392	$ 213,227
Minimum for adequately capitalized institutions, ratio	0.0400	0.0400
Components of regulatory capital [Abstract]
Total shareholders' equity	$ 452,369	$ 404,449
Add (deduct)
Accumulated other comprehensive (income) loss for regulatory purposes	52,454	66,344
Goodwill and other intangibles	(29,917)	(30,304)
CECL	0	2,576
Common equity tier 1 capital	474,906	443,065
Qualifying trust preferred securities	38,555	38,504
Tier 1 capital	513,461	481,569
Subordinated debt	40,000	40,000
Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets	53,322	52,403
Total risk-based capital	606,783	573,972
Independent Bank
Banking Regulation, Total Capital [Abstract]
Total risk-based capital	$ 552,577	$ 521,374
Actual, ratio	0.1300	0.1246
Banking regulation, total risk-based capital, capital adequacy, minimum	$ 340,134	$ 334,673
Minimum for adequately capitalized institutions, ratio	0.0800	0.0800
Minimum for well-capitalized institutions, amount	$ 425,167	$ 418,341
Minimum for well-capitalized institutions, ratio	0.1000	0.1000
Tier 1 capital to risk-weighted assets [Abstract]
Actual, amount	$ 499,317	$ 469,023
Banking regulation, tier 1 risk-based capital ratio, accrual	0.1174	0.1121
Minimum for adequately capitalized institutions, amount	$ 255,100	$ 251,005
Minimum for adequately capitalized institutions, ratio	0.0600	0.0600
Minimum for well-capitalized institutions, amount	$ 340,134	$ 334,673
Minimum for well capitalized institutions, ratio	0.0800	0.0800
Common equity tier 1 capital to risk-weighted assets [Abstract]
Actual, amount	$ 499,317	$ 469,023
Actual, ratio	0.1174	0.1121
Minimum for adequately capitalized institutions, amount	$ 191,325	$ 188,254
Minimum for adequately capitalized institutions, ratio	0.0450	0.0450
Minimum for well-capitalized institutions, amount	$ 276,359	$ 271,922
Minimum for well-capitalized institutions, ratio	0.0650	0.0650
Banking Regulation, Tier 1 Leverage Capital [Abstract]
Tier 1 capital	$ 499,317	$ 469,023
Actual, ratio	0.0936	0.0880
Minimum for adequately capitalized institutions, amount	$ 213,370	$ 213,180
Minimum for adequately capitalized institutions, ratio	0.0400	0.0400
Banking regulation, tier 1 leverage, capital, well capitalized, minimum	$ 266,712	$ 266,475
Minimum for well capitalized institutions, ratio	0.0500	0.0500
Components of regulatory capital [Abstract]
Total shareholders' equity	$ 476,780	$ 430,407
Add (deduct)
Accumulated other comprehensive (income) loss for regulatory purposes	52,454	66,344
Goodwill and other intangibles	(29,917)	(30,304)
CECL	0	2,576
Common equity tier 1 capital	499,317	469,023
Qualifying trust preferred securities	0	0
Tier 1 capital	499,317	469,023
Subordinated debt	0	0
Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets	53,260	52,351
Total risk-based capital	$ 552,577	$ 521,374

Regulatory Matters - Narrative

Regulatory Matters - Narrative (Details) $ in Millions	Sep. 30, 2024 USD ($)	Dec. 31, 2023
Regulatory Matters [Abstract]
Undivided profits	$ 209
Capital conservation buffer	0.0250	0.0250

Fair Value Disclosures - Signif

Fair Value Disclosures - Significant Assumptions (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets [Abstract]
Securities available for sale	$ 588,950	$ 679,350
Loans held for sale, carried at fair value	14,029	12,063
U.S. agency
Assets [Abstract]
Securities available for sale	8,538	9,507
U.S. agency residential mortgage-backed
Assets [Abstract]
Securities available for sale	76,091	81,217
U.S. agency commercial mortgage-backed
Assets [Abstract]
Securities available for sale	12,073	12,297
Private label mortgage-backed
Assets [Abstract]
Securities available for sale	76,603	86,469
Other asset backed
Assets [Abstract]
Securities available for sale	43,764	112,931
Obligations of states and political subdivisions
Assets [Abstract]
Securities available for sale	300,068	302,737
Corporate
Assets [Abstract]
Securities available for sale	70,857	73,250
Trust preferred
Assets [Abstract]
Securities available for sale	956	942
Quoted Prices in Active Markets for Identical Assets (Level 1)
Assets [Abstract]
Securities available for sale	0	0
Derivative financial instruments	0	0
Liabilities
Derivatives	0	0
Significant Other Observable Inputs (Level 2)
Assets [Abstract]
Securities available for sale	588,950	679,350
Derivative financial instruments	38,774	38,683
Liabilities
Derivatives	24,056	21,835
Significant Un- observable Inputs (Level 3)
Assets [Abstract]
Securities available for sale	0	0
Derivative financial instruments	0	0
Liabilities
Derivatives	0	0
Measured at Fair Value on a Recurring Basis
Assets [Abstract]
Loans held for sale, carried at fair value	14,029	12,063
Capitalized mortgage loan servicing rights	40,204	42,243
Derivative financial instruments	38,774	38,683
Liabilities
Derivatives	24,056	21,835
Measured at Fair Value on a Recurring Basis | U.S. agency
Assets [Abstract]
Securities available for sale	8,538	9,507
Measured at Fair Value on a Recurring Basis | U.S. agency residential mortgage-backed
Assets [Abstract]
Securities available for sale	76,091	81,217
Measured at Fair Value on a Recurring Basis | U.S. agency commercial mortgage-backed
Assets [Abstract]
Securities available for sale	12,073	12,297
Measured at Fair Value on a Recurring Basis | Private label mortgage-backed
Assets [Abstract]
Securities available for sale	76,603	86,469
Measured at Fair Value on a Recurring Basis | Other asset backed
Assets [Abstract]
Securities available for sale	43,764	112,931
Measured at Fair Value on a Recurring Basis | Obligations of states and political subdivisions
Assets [Abstract]
Securities available for sale	300,068	302,737
Measured at Fair Value on a Recurring Basis | Corporate
Assets [Abstract]
Securities available for sale	70,857	73,250
Measured at Fair Value on a Recurring Basis | Trust preferred
Assets [Abstract]
Securities available for sale	956	942
Measured at Fair Value on a Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1)
Assets [Abstract]
Loans held for sale, carried at fair value	0	0
Capitalized mortgage loan servicing rights	0	0
Derivative financial instruments	0	0
Liabilities
Derivatives	0	0
Measured at Fair Value on a Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. agency
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. agency residential mortgage-backed
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. agency commercial mortgage-backed
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Private label mortgage-backed
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Other asset backed
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Obligations of states and political subdivisions
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Corporate
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Trust preferred
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis | Significant Other Observable Inputs (Level 2)
Assets [Abstract]
Loans held for sale, carried at fair value	14,029	12,063
Capitalized mortgage loan servicing rights	0	0
Derivative financial instruments	38,774	38,683
Liabilities
Derivatives	24,056	21,835
Measured at Fair Value on a Recurring Basis | Significant Other Observable Inputs (Level 2) | U.S. agency
Assets [Abstract]
Securities available for sale	8,538	9,507
Measured at Fair Value on a Recurring Basis | Significant Other Observable Inputs (Level 2) | U.S. agency residential mortgage-backed
Assets [Abstract]
Securities available for sale	76,091	81,217
Measured at Fair Value on a Recurring Basis | Significant Other Observable Inputs (Level 2) | U.S. agency commercial mortgage-backed
Assets [Abstract]
Securities available for sale	12,073	12,297
Measured at Fair Value on a Recurring Basis | Significant Other Observable Inputs (Level 2) | Private label mortgage-backed
Assets [Abstract]
Securities available for sale	76,603	86,469
Measured at Fair Value on a Recurring Basis | Significant Other Observable Inputs (Level 2) | Other asset backed
Assets [Abstract]
Securities available for sale	43,764	112,931
Measured at Fair Value on a Recurring Basis | Significant Other Observable Inputs (Level 2) | Obligations of states and political subdivisions
Assets [Abstract]
Securities available for sale	300,068	302,737
Measured at Fair Value on a Recurring Basis | Significant Other Observable Inputs (Level 2) | Corporate
Assets [Abstract]
Securities available for sale	70,857	73,250
Measured at Fair Value on a Recurring Basis | Significant Other Observable Inputs (Level 2) | Trust preferred
Assets [Abstract]
Securities available for sale	956	942
Measured at Fair Value on a Recurring Basis | Significant Un- observable Inputs (Level 3)
Assets [Abstract]
Loans held for sale, carried at fair value	0	0
Capitalized mortgage loan servicing rights	40,204	42,243
Derivative financial instruments	0	0
Liabilities
Derivatives	0	0
Measured at Fair Value on a Recurring Basis | Significant Un- observable Inputs (Level 3) | U.S. agency
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis | Significant Un- observable Inputs (Level 3) | U.S. agency residential mortgage-backed
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis | Significant Un- observable Inputs (Level 3) | U.S. agency commercial mortgage-backed
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis | Significant Un- observable Inputs (Level 3) | Private label mortgage-backed
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis | Significant Un- observable Inputs (Level 3) | Other asset backed
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis | Significant Un- observable Inputs (Level 3) | Obligations of states and political subdivisions
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis | Significant Un- observable Inputs (Level 3) | Corporate
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Recurring Basis | Significant Un- observable Inputs (Level 3) | Trust preferred
Assets [Abstract]
Securities available for sale	0	0
Measured at Fair Value on a Non-recurring Basis: | Collateral dependent loans | Commercial | Commercial and industrial
Assets
Loans receivable, fair value disclosure	4,253	551
Measured at Fair Value on a Non-recurring Basis: | Collateral dependent loans | Commercial | Commercial real estate
Assets
Loans receivable, fair value disclosure	132
Measured at Fair Value on a Non-recurring Basis: | Collateral dependent loans | Mortgage | 1-4 family owner occupied - non-jumbo
Assets
Loans receivable, fair value disclosure	662	732
Measured at Fair Value on a Non-recurring Basis: | Collateral dependent loans | Mortgage | 1-4 family non-owner occupied
Assets
Loans receivable, fair value disclosure	56	33
Measured at Fair Value on a Non-recurring Basis: | Collateral dependent loans | Mortgage | 1-4 family - 2nd lien
Assets
Loans receivable, fair value disclosure	166	157
Measured at Fair Value on a Non-recurring Basis: | Collateral dependent loans | Mortgage | Resort lending
Assets
Loans receivable, fair value disclosure	92	92
Measured at Fair Value on a Non-recurring Basis: | Collateral dependent loans | Installment | Boat lending
Assets
Loans receivable, fair value disclosure	57	192
Measured at Fair Value on a Non-recurring Basis: | Collateral dependent loans | Installment | Recreational vehicle lending
Assets
Loans receivable, fair value disclosure	175	196
Measured at Fair Value on a Non-recurring Basis: | Collateral dependent loans | Installment | Other
Assets
Loans receivable, fair value disclosure	42	66
Measured at Fair Value on a Non-recurring Basis: | Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateral dependent loans | Commercial | Commercial and industrial
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateral dependent loans | Commercial | Commercial real estate
Assets
Loans receivable, fair value disclosure	0
Measured at Fair Value on a Non-recurring Basis: | Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateral dependent loans | Mortgage | 1-4 family owner occupied - non-jumbo
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateral dependent loans | Mortgage | 1-4 family non-owner occupied
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateral dependent loans | Mortgage | 1-4 family - 2nd lien
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateral dependent loans | Mortgage | Resort lending
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateral dependent loans | Installment | Boat lending
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateral dependent loans | Installment | Recreational vehicle lending
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateral dependent loans | Installment | Other
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Significant Other Observable Inputs (Level 2) | Collateral dependent loans | Commercial | Commercial and industrial
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Significant Other Observable Inputs (Level 2) | Collateral dependent loans | Commercial | Commercial real estate
Assets
Loans receivable, fair value disclosure	0
Measured at Fair Value on a Non-recurring Basis: | Significant Other Observable Inputs (Level 2) | Collateral dependent loans | Mortgage | 1-4 family owner occupied - non-jumbo
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Significant Other Observable Inputs (Level 2) | Collateral dependent loans | Mortgage | 1-4 family non-owner occupied
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Significant Other Observable Inputs (Level 2) | Collateral dependent loans | Mortgage | 1-4 family - 2nd lien
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Significant Other Observable Inputs (Level 2) | Collateral dependent loans | Mortgage | Resort lending
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Significant Other Observable Inputs (Level 2) | Collateral dependent loans | Installment | Boat lending
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Significant Other Observable Inputs (Level 2) | Collateral dependent loans | Installment | Recreational vehicle lending
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Significant Other Observable Inputs (Level 2) | Collateral dependent loans | Installment | Other
Assets
Loans receivable, fair value disclosure	0	0
Measured at Fair Value on a Non-recurring Basis: | Significant Un- observable Inputs (Level 3) | Collateral dependent loans | Commercial | Commercial and industrial
Assets
Loans receivable, fair value disclosure	4,253	551
Measured at Fair Value on a Non-recurring Basis: | Significant Un- observable Inputs (Level 3) | Collateral dependent loans | Commercial | Commercial real estate
Assets
Loans receivable, fair value disclosure	132
Measured at Fair Value on a Non-recurring Basis: | Significant Un- observable Inputs (Level 3) | Collateral dependent loans | Mortgage | 1-4 family owner occupied - non-jumbo
Assets
Loans receivable, fair value disclosure	662	732
Measured at Fair Value on a Non-recurring Basis: | Significant Un- observable Inputs (Level 3) | Collateral dependent loans | Mortgage | 1-4 family non-owner occupied
Assets
Loans receivable, fair value disclosure	56	33
Measured at Fair Value on a Non-recurring Basis: | Significant Un- observable Inputs (Level 3) | Collateral dependent loans | Mortgage | 1-4 family - 2nd lien
Assets
Loans receivable, fair value disclosure	166	157
Measured at Fair Value on a Non-recurring Basis: | Significant Un- observable Inputs (Level 3) | Collateral dependent loans | Mortgage | Resort lending
Assets
Loans receivable, fair value disclosure	92	92
Measured at Fair Value on a Non-recurring Basis: | Significant Un- observable Inputs (Level 3) | Collateral dependent loans | Installment | Boat lending
Assets
Loans receivable, fair value disclosure	57	192
Measured at Fair Value on a Non-recurring Basis: | Significant Un- observable Inputs (Level 3) | Collateral dependent loans | Installment | Recreational vehicle lending
Assets
Loans receivable, fair value disclosure	175	196
Measured at Fair Value on a Non-recurring Basis: | Significant Un- observable Inputs (Level 3) | Collateral dependent loans | Installment | Other
Assets
Loans receivable, fair value disclosure	$ 42	$ 66

Fair Value Disclosures - Change

Fair Value Disclosures - Changes in Fair Value for Financial Assets (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Fair Value, Assets and Liabilities Measured on Recurring Basis, Gain (Loss) Included in Earnings [Abstract]
Loans held for sale	$ 215	$ 1,519
Capitalized mortgage loan servicing rights	(4,995)	456
Mortgage Loans
Fair Value, Assets and Liabilities Measured on Recurring Basis, Gain (Loss) Included in Earnings [Abstract]
Loans held for sale	215	1,519
Mortgage Loan Servicing, net
Fair Value, Assets and Liabilities Measured on Recurring Basis, Gain (Loss) Included in Earnings [Abstract]
Capitalized mortgage loan servicing rights	$ (4,995)	$ 456

Fair Value Disclosures - Narrat

Fair Value Disclosures - Narrative (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Asset Impairment Charges [Abstract]
Collateral dependent loans, carrying amount	$ 5.6		$ 5.6		$ 2
Collateral dependent loans, valuation allowance	2.5		2.5		$ 1.3
Accounts receivable, credit loss expense (recovery)	$ 0.9	$ 0.2	$ 2	$ 2.1

Fair Value Disclosures - Reconc

Fair Value Disclosures - Reconciliation for all Assets Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3) (Details) - Capitalized Mortgage Loan Servicing Rights - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 44,406	$ 44,427	$ 42,243	$ 42,489
Total gains (losses) realized and unrealized:
Included in results of operations	(5,378)	471	(4,995)	456
Included in other comprehensive loss	0	0	0	0
Purchases, issuances, settlements, maturities and calls	1,176	1,159	2,956	3,112
Transfers in and/or out of Level 3	0	0	0	0
Ending balance	40,204	46,057	40,204	46,057
Amount of total gains (losses) for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at September 30	$ (5,378)	$ 471	$ (4,995)	$ 456

Fair Value Disclosures - Quanti

Fair Value Disclosures - Quantitative Information About Level 3 (Details)	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Mortgage and Installment | Collateral Other Than Real Estate
Asset Fair Value [Abstract]
Collateral dependent loans, fair value	$ 270,000	$ 450,000
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Recurring Basis | Mortgage Loan Servicing, net
Asset Fair Value [Abstract]
Servicing asset, fair value	$ 40,204,000	$ 42,243,000
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Recurring Basis | Mortgage Loan Servicing, net | Present value of net servicing revenue | Float rate
Ranges and Weighted Average [Abstract]
Servicing asset
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Recurring Basis | Mortgage Loan Servicing, net | Minimum | Present value of net servicing revenue | Discount rate
Ranges and Weighted Average [Abstract]
Servicing asset	0.1000	0.1000
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Recurring Basis | Mortgage Loan Servicing, net | Minimum | Present value of net servicing revenue | Cost to service
Ranges and Weighted Average [Abstract]
Servicing asset	69	70
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Recurring Basis | Mortgage Loan Servicing, net | Minimum | Present value of net servicing revenue | Ancillary income
Ranges and Weighted Average [Abstract]
Servicing asset	20	20
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Recurring Basis | Mortgage Loan Servicing, net | Minimum | Present value of net servicing revenue | Prepayment rate
Ranges and Weighted Average [Abstract]
Servicing asset	0.0656	0.0656
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Recurring Basis | Mortgage Loan Servicing, net | Maximum | Present value of net servicing revenue | Discount rate
Ranges and Weighted Average [Abstract]
Servicing asset	0.1499	0.1427
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Recurring Basis | Mortgage Loan Servicing, net | Maximum | Present value of net servicing revenue | Cost to service
Ranges and Weighted Average [Abstract]
Servicing asset	463	442
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Recurring Basis | Mortgage Loan Servicing, net | Maximum | Present value of net servicing revenue | Ancillary income
Ranges and Weighted Average [Abstract]
Servicing asset	30	30
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Recurring Basis | Mortgage Loan Servicing, net | Maximum | Present value of net servicing revenue | Prepayment rate
Ranges and Weighted Average [Abstract]
Servicing asset	0.2902	0.2647
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Recurring Basis | Mortgage Loan Servicing, net | Weighted Average | Present value of net servicing revenue | Discount rate
Ranges and Weighted Average [Abstract]
Servicing asset	0.1025	0.1025
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Recurring Basis | Mortgage Loan Servicing, net | Weighted Average | Present value of net servicing revenue | Cost to service
Ranges and Weighted Average [Abstract]
Servicing asset	79	79
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Recurring Basis | Mortgage Loan Servicing, net | Weighted Average | Present value of net servicing revenue | Ancillary income
Ranges and Weighted Average [Abstract]
Servicing asset	20	20
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Recurring Basis | Mortgage Loan Servicing, net | Weighted Average | Present value of net servicing revenue | Float rate
Ranges and Weighted Average [Abstract]
Servicing asset	0.0353	0.0382
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Recurring Basis | Mortgage Loan Servicing, net | Weighted Average | Present value of net servicing revenue | Prepayment rate
Ranges and Weighted Average [Abstract]
Servicing asset	0.1002	0.0850
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Non-recurring Basis: | Commercial
Asset Fair Value [Abstract]
Collateral dependent loans, fair value	$ 4,385,000	$ 551,000
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Non-recurring Basis: | Commercial | Accounts Receivable, Inventory and Machinery and Equipment
Asset Fair Value [Abstract]
Collateral dependent loans, fair value	$ 3,500,000
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Non-recurring Basis: | Commercial | Minimum | Discounted cash flow | Discount rate
Ranges and Weighted Average [Abstract]
Impaired loans	0.400
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Non-recurring Basis: | Commercial | Minimum | Sales comparison approach | Comparability adjustment
Ranges and Weighted Average [Abstract]
Impaired loans	(0.200)	(0.050)
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Non-recurring Basis: | Commercial | Maximum | Discounted cash flow | Discount rate
Ranges and Weighted Average [Abstract]
Impaired loans	0.500
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Non-recurring Basis: | Commercial | Maximum | Sales comparison approach | Comparability adjustment
Ranges and Weighted Average [Abstract]
Impaired loans	0.350	0.060
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Non-recurring Basis: | Commercial | Weighted Average | Discounted cash flow | Discount rate
Ranges and Weighted Average [Abstract]
Impaired loans	0.428
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Non-recurring Basis: | Commercial | Weighted Average | Sales comparison approach | Comparability adjustment
Ranges and Weighted Average [Abstract]
Impaired loans	(0.024)	(0.004)
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Non-recurring Basis: | Mortgage and Installment
Asset Fair Value [Abstract]
Collateral dependent loans, fair value	$ 1,250,000	$ 1,468,000
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Non-recurring Basis: | Mortgage and Installment | Minimum | Sales comparison approach | Comparability adjustment
Ranges and Weighted Average [Abstract]
Impaired loans	(0.127)	(0.041)
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Non-recurring Basis: | Mortgage and Installment | Maximum | Sales comparison approach | Comparability adjustment
Ranges and Weighted Average [Abstract]
Impaired loans	0.217	0.105
Significant Un- observable Inputs (Level 3) | Measured at Fair Value on a Non-recurring Basis: | Mortgage and Installment | Weighted Average | Sales comparison approach | Comparability adjustment
Ranges and Weighted Average [Abstract]
Impaired loans	0.013	0.031

Fair Value Disclosures - Differ

Fair Value Disclosures - Difference Between Aggregate Fair Value and Aggregate Remaining Contractual Principal (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Loans held for sale [Abstract]
Aggregate Fair Value	$ 14,029	$ 12,063
Difference	154	(61)
Contractual Principal	$ 13,875	$ 12,124

Fair Values of Financial Inst_3

Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets
Securities available for sale	$ 588,950	$ 679,350
Securities held to maturity	343,362	353,988
Reserve Bank Stock	16,099	16,821
Liabilities
Other borrowings	0	50,026
Subordinated debt	39,567	39,510
Subordinated debentures	39,779	39,728
Reciprocal deposits included in deposits with no stated maturity	878,832	723,014
Reciprocal deposits included in deposits with stated maturity	116,637	109,006
Recorded Book Balance
Assets
Cash and due from banks	61,503	68,208
Interest bearing deposits	60,057	101,573
Securities available for sale	588,950	679,350
Securities held to maturity	343,362	353,988
Reserve Bank Stock	16,099	16,821
Net loans and loans held for sale	3,898,872	3,748,306
Accrued interest receivable	18,809	19,044
Derivative financial instruments	38,774	38,683
Liabilities
Deposits with no stated maturity	3,850,142	3,704,808
Deposits with stated maturity	776,733	918,071
Other borrowings	0	50,026
Subordinated debt	39,567	39,510
Subordinated debentures	39,779	39,728
Accrued interest payable	4,215	6,534
Derivative financial instruments	24,056	21,835
Fair Value
Assets
Cash and due from banks	61,503	68,208
Interest bearing deposits	60,057	101,573
Securities available for sale	588,950	679,350
Securities held to maturity	314,638	318,606
Net loans and loans held for sale	3,732,864	3,453,790
Accrued interest receivable	18,809	19,044
Derivative financial instruments	38,774	38,683
Liabilities
Deposits with no stated maturity	3,850,142	3,704,808
Deposits with stated maturity	775,042	914,404
Other borrowings	0	49,831
Subordinated debt	39,687	40,352
Subordinated debentures	39,733	38,103
Accrued interest payable	4,215	6,534
Derivative financial instruments	24,056	21,835
Quoted Prices in Active Markets for Identical Assets (Level 1)
Assets
Cash and due from banks	61,503	68,208
Interest bearing deposits	60,057	101,573
Securities available for sale	0	0
Securities held to maturity	0	0
Net loans and loans held for sale	0	0
Accrued interest receivable	134	58
Derivative financial instruments	0	0
Liabilities
Deposits with no stated maturity	3,850,142	3,704,808
Deposits with stated maturity	0	0
Other borrowings	0	0
Subordinated debt	0	0
Subordinated debentures	0	0
Accrued interest payable	427	482
Derivative financial instruments	0	0
Significant Other Observable Inputs (Level 2)
Assets
Cash and due from banks	0	0
Interest bearing deposits	0	0
Securities available for sale	588,950	679,350
Securities held to maturity	314,638	318,606
Net loans and loans held for sale	14,029	12,063
Accrued interest receivable	5,339	6,486
Derivative financial instruments	38,774	38,683
Liabilities
Deposits with no stated maturity	0	0
Deposits with stated maturity	775,042	914,404
Other borrowings	0	49,831
Subordinated debt	39,687	40,352
Subordinated debentures	39,733	38,103
Accrued interest payable	3,788	6,052
Derivative financial instruments	24,056	21,835
Significant Un- observable Inputs (Level 3)
Assets
Cash and due from banks	0	0
Interest bearing deposits	0	0
Securities available for sale	0	0
Securities held to maturity	0	0
Net loans and loans held for sale	3,718,835	3,441,727
Accrued interest receivable	13,336	12,500
Derivative financial instruments	0	0
Liabilities
Deposits with no stated maturity	0	0
Deposits with stated maturity	0	0
Other borrowings	0	0
Subordinated debt	0	0
Subordinated debentures	0	0
Accrued interest payable	0	0
Derivative financial instruments	$ 0	$ 0

Contingencies - Narrative (Deta

Contingencies - Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands			5 Months Ended	9 Months Ended
	May 06, 2024	May 03, 2024	Sep. 30, 2024	Sep. 30, 2024	Sep. 30, 2023
Summary of Investment Holdings [Line Items]
Proceeds from sales of equity securities at fair value				$ 2,685	$ 0
Visa | Common Stock, Class B-1
Summary of Investment Holdings [Line Items]
Number of shares owned (in shares)	12,566
Visa | Common Stock, Class C
Summary of Investment Holdings [Line Items]
Number of shares owned (in shares)			0	0
Exchange offer, shares received (in shares)	2,493
Exchange offer, conversion ratio, non-affiliated holder (in shares)	4
Gain on sale of investments		$ 2,677
Investment sold (in shares)			2,493
Proceeds from sales of equity securities at fair value			$ 2,685
Visa | Common Stock, Class B-2
Summary of Investment Holdings [Line Items]
Exchange offer, shares received (in shares)	6,283
Visa | Common Stock, Class A
Summary of Investment Holdings [Line Items]
Closing price (in dollars per share)		$ 268.49

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss ("AOCL") - Summary of Changes (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Changes in AOCIL [Roll Forward]
Balances at beginning of period	$ 430,459	$ 375,162	$ 404,449	$ 347,596
Other comprehensive income (loss) before reclassifications	12,154	(11,851)	12,769	107
Amounts reclassified from AOCL	422	57	1,121	352
Other comprehensive income (loss)	12,576	(11,794)	13,890	459
Balances at end of period	452,369	374,998	452,369	374,998
Accumulated Other Comprehensive Loss
Changes in AOCIL [Roll Forward]
Balances at beginning of period	(70,828)	(80,510)	(72,142)	(92,763)
Other comprehensive income (loss)	12,576	(11,794)	13,890	459
Balances at end of period	(58,252)	(92,304)	(58,252)	(92,304)
Unrealized Losses on Securities AFS
Changes in AOCIL [Roll Forward]
Balances at beginning of period	(49,482)	(57,695)	(51,113)	(68,742)
Other comprehensive income (loss) before reclassifications	9,340	(12,130)	10,758	(1,258)
Amounts reclassified from AOCL	114	0	327	175
Other comprehensive income (loss)	9,454	(12,130)	11,085	(1,083)
Balances at end of period	(40,028)	(69,825)	(40,028)	(69,825)
Unrealized losses on securities transferred to securities HTM
Changes in AOCIL [Roll Forward]
Balances at beginning of period	(14,084)	(16,811)	(15,408)	(18,223)
Other comprehensive income (loss) before reclassifications	646	696	1,970	2,108
Amounts reclassified from AOCL	0	0	0	0
Other comprehensive income (loss)	646	696	1,970	2,108
Balances at end of period	(13,438)	(16,115)	(13,438)	(16,115)
Dispropor- tionate Tax Effects from Securities AFS
Changes in AOCIL [Roll Forward]
Balances at beginning of period	(5,798)	(5,798)	(5,798)	(5,798)
Other comprehensive income (loss) before reclassifications	0	0	0	0
Amounts reclassified from AOCL	0	0	0	0
Other comprehensive income (loss)	0	0	0	0
Balances at end of period	(5,798)	(5,798)	(5,798)	(5,798)
Unrealized Gains (Losses) on Derivative Instruments
Changes in AOCIL [Roll Forward]
Balances at beginning of period	(1,464)	(206)	177	0
Other comprehensive income (loss) before reclassifications	2,168	(417)	41	(743)
Amounts reclassified from AOCL	308	57	794	177
Other comprehensive income (loss)	2,476	(360)	835	(566)
Balances at end of period	$ 1,012	$ (566)	$ 1,012	$ (566)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Loss ("AOCL") - Reclassification Out of Each Components (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Reclassifications out of AOCIL [Abstract]
Interest income	$ 68,334	$ 62,432	$ 199,798	$ 174,316
Income tax expense	3,481	4,109	11,949	10,405
Reclassifications, net of tax	13,810	17,543	48,329	45,324
Amount Reclassified From AOCL
Reclassifications out of AOCIL [Abstract]
Reclassifications, net of tax	(422)	(57)	(1,121)	(352)
Unrealized Losses on Securities AFS | Amount Reclassified From AOCL
Reclassifications out of AOCIL [Abstract]
Equity securities at fair value	(145)	0	(414)	(222)
Income tax expense	(31)	0	(87)	(47)
Reclassifications, net of tax	(114)	0	(327)	(175)
Unrealized Gains (Losses) on Derivative Instruments | Amount Reclassified From AOCL
Reclassifications out of AOCIL [Abstract]
Interest income	390	72	1,005	224
Income tax expense	82	15	211	47
Reclassifications, net of tax	$ 308	$ 57	$ 794	$ 177

Revenue from Contracts with C_3

Revenue from Contracts with Customers - Narrative (Details)	9 Months Ended
	Sep. 30, 2024 USD ($) asset	Sep. 30, 2023 asset	Dec. 31, 2023 USD ($)
Revenue from Contract with Customer [Abstract]
Percentage of revenues excluded from ASC topic 606	87.10%	86.60%
Contract with customers, liability	$ 0		$ 0
Contract with customer, asset, after allowance for credit loss	$ 0		$ 0
Number of real estate assets sold during the period | asset	0	0

Revenue from Contracts with C_4

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	$ 8,836	$ 9,111	$ 24,307	$ 24,744
Bank owned life insurance income	197	124	566	333
Other	1,581	1,609	3,537	4,181
Total	3,383	3,435	8,818	9,298
Service Charges on Deposit Accounts
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	3,085	3,309	8,894	9,300
Overdraft fees | Retail
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	2,378	2,090	6,788	6,770
Overdraft fees | Business
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	114	140	319	395
Account service charges | Retail
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	593	1,079	1,787	2,135
Other Deposit Related Income
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	724	826	2,192	2,338
ATM fees | Retail
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	430	457	1,225	1,235
ATM fees | Business
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	13	13	37	35
Other | Retail
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	167	247	603	756
Other | Business
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	114	109	327	312
Interchange income
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	4,146	4,100	10,698	10,660
Investment and Insurance Commissions
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	881	876	2,523	2,446
Asset management revenue
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	458	488	1,448	1,389
Transaction based revenue
Disaggregation of Revenue [Abstract]
Revenue from contracts with customers	$ 423	$ 388	$ 1,075	$ 1,057

Leases (Details)

Leases (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
Lease, Cost [Abstract]
Operating lease cost	$ 349	$ 359	$ 1,044	$ 1,080
Variable lease cost	10	24	32	72
Short-term lease cost	23	25	70	71
Total	382	$ 408	1,146	$ 1,223
Assets and Liabilities, Lessee [Abstract]
Lease right of use asset	6,403		6,403		$ 4,911
Lease liabilities	$ 6,620		$ 6,620		$ 5,114
Weighted average remaining lease term (years)	7 years 2 months 26 days		7 years 2 months 26 days		6 years 10 days
Weighted average discount rate	3.70%		3.70%		2.70%
Operating lease, right-of-use asset, statement of financial position [extensible enumeration]	Other Assets		Other Assets		Other Assets
Operating lease, liability, statement of financial position [extensible enumeration]	Other Liabilities		Other Liabilities		Other Liabilities
Lessee, Operating Lease, Liability, to be Paid [Abstract]
Three months ending December 31, 2024	$ 347		$ 347
2025	1,348		1,348
2026	1,184		1,184
2027	1,003		1,003
2028	938		938
2029 and thereafter	2,874		2,874
Total lease payments	7,694		7,694
Less imputed interest	(1,074)		(1,074)
Total	$ 6,620		$ 6,620		$ 5,114