Farmers National Banc (FMNB) 10-K 6 Mar 25 2024 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Mar. 01, 2025	Jun. 30, 2024
Cover [Abstract]
Entity Registrant Name	Farmers National Banc Corp.
Entity Central Index Key	0000709337
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Document Type	10-K
Document Period End Date	Dec. 31, 2024
Amendment Flag	false
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Current Fiscal Year End Date	--12-31
Title of 12(b) Security	Common Stock, No Par Value
Trading Symbol	FMNB
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding		37,614,636
Entity Public Float			$ 450.8
Document Annual Report	true
Document Transition Report	false
Entity Shell Company	false
Entity File Number	001-35296
Entity Tax Identification Number	34-1371693
Entity Address, Address Line One	20 South Broad Street
Entity Address, City or Town	Canfield
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	44406
City Area Code	330
Local Phone Number	533-3341
Entity Incorporation, State or Country Code	OH
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction Flag	false
Auditor Name	Crowe LLP
Auditor Firm ID	173
Auditor Location	Columbus, Ohio
Auditor Opinion	Opinions on the Financial Statements and Internal Control over Financial Reporting We have audited the accompanying consolidated balance sheets of Farmers National Banc Corp. (the "Company") as of December 31, 2024 and 2023, the related consolidated statements of income, comprehensive income, stockholders’ equity, and cash flows for the years then ended, and the related notes (collectively referred to as the "financial statements"). We also have audited the Company’s internal control over financial reporting as of December 31, 2024, based on criteria established in Internal Control – Integrated Framework: (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). In our opinion, the financial statements referred to above present fairly, in all material respects, the financial position of the Company as of December 31, 2024 and 2023, and the results of its operations and its cash flows for each of the years then ended in conformity with accounting principles generally accepted in the United States of America. Also in our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of December 31, 2024, based on criteria established in Internal Control – Integrated Framework: (2013) issued by COSO.
Documents Incorporated by Reference	DOCUMENTS INCORPORATED BY REFERENCE Document Part of Form 10-K into which Portions of the registrant’s definitive proxy statement for the 2024 III Annual Meeting of Shareholders

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 20,426	$ 28,896
Federal funds sold and other	65,312	74,762
TOTAL CASH AND CASH EQUIVALENTS	85,738	103,658
Debt securities available for sale, at fair value (amortized cost $1,510,681 in 2024 and $1,516,841 in 2023)	1,266,553	1,299,701
Other investments	45,405	35,311
Loans held for sale, at fair value	5,005	3,711
Loans	3,268,346	3,198,127
Less allowance for credit losses	35,863	34,440
Net loans	3,232,483	3,163,687
Premises and equipment, net	52,274	44,364
Goodwill	167,450	167,446
Other intangibles, net	20,750	22,842
Bank owned life insurance	101,418	99,482
Affordable housing investments	22,000	17,893
Other assets	119,848	120,255
TOTAL ASSETS	5,118,924	5,078,350
Deposits:
Noninterest-bearing	965,507	1,026,630
Interest-bearing	3,226,321	3,150,756
Brokered time deposits	74,951	0
TOTAL DEPOSITS	4,266,779	4,177,386
Short-term borrowings	305,000	355,000
Long-term borrowings	86,150	88,663
Other liabilities	54,967	52,886
TOTAL LIABILITIES	4,712,896	4,673,935
Commitments and contingent liabilities (Note 14)
Stockholders' equity
Common Stock, no par value; 50,000,000 shares authorized; 39,321,709 shares issued and 37,585,612 and 37,502,773 shares outstanding, respectively	366,059	365,305
Retained earnings	257,173	236,757
Accumulated other comprehensive (loss)	(193,265)	(172,554)
Treasury stock, at cost; 1,736,097 and 1,818,936 shares, respectively	(23,939)	(25,093)
TOTAL STOCKHOLDERS' EQUITY	406,028	404,415
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 5,118,924	$ 5,078,350

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Debt securities available for sale, at fair value amortized cost	$ 1,510,681	$ 1,516,841
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	39,321,709	39,321,709
Common Stock, Shares, Outstanding	37,585,612	37,502,773
Treasury stock, shares	1,736,097	1,818,936

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
INTEREST AND DIVIDEND INCOME
Loans, including fees	$ 185,710	$ 171,808	$ 107,790
Taxable securities	26,838	26,231	20,843
Tax exempt securities	10,007	10,834	11,898
Dividends	1,450	1,986	871
Federal funds sold and other interest income	3,727	2,476	684
TOTAL INTEREST AND DIVIDEND INCOME	227,732	213,335	142,086
INTEREST EXPENSE
Deposits	81,169	63,106	13,085
Short-term borrowings	14,105	8,357	1,408
Long-term borrowings	4,090	4,086	3,427
TOTAL INTEREST EXPENSE	99,364	75,549	17,920
NET INTEREST INCOME	128,368	137,786	124,166
Provision for credit losses	8,244	8,718	250
(Credit) provision for unfunded commitments	(278)	435	872
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES AND UNFUNDED COMMITMENTS	120,402	128,633	123,044
NONINTEREST INCOME
Bank owned life insurance income, including death benefits	2,659	2,442	1,810
Security (losses), including fair value changes for equity securities	(2,638)	(471)	(454)
Net gains on sale of loans	1,502	2,391	2,062
Other mortgage banking income, net	435	711	291
Legal settlement	0	0	8,375
Other operating income	4,748	4,471	3,976
TOTAL NONINTEREST INCOME	41,716	41,861	44,202
NONINTEREST EXPENSE
Salaries and employee benefits	58,925	57,374	45,013
Occupancy and equipment	15,588	15,434	11,379
FDIC insurance and state and local taxes	5,029	5,848	3,951
Professional fees	4,317	4,351	6,114
Merger related costs	92	5,475	4,070
Advertising	1,503	1,793	1,947
Intangible amortization	2,861	3,434	1,973
Core processing charges	4,622	4,639	3,348
Charitable donation	0	0	6,000
Other operating expenses	13,754	13,448	10,616
TOTAL NONINTEREST EXPENSE	106,691	111,796	94,411
Income before taxes	55,427	58,698	72,835
INCOME TAXES	9,478	8,766	12,238
Net Income	$ 45,949	$ 49,932	$ 60,597
EARNINGS PER SHARE:
Basic	$ 1.23	$ 1.34	$ 1.79
Diluted	$ 1.22	$ 1.33	$ 1.79
Service Charges on Deposit Accounts
NONINTEREST INCOME
Noninterest income	$ 7,311	$ 6,322	$ 4,716
Trust Fees
NONINTEREST INCOME
Noninterest income	10,099	9,047	8,460
Insurance Agency Commissions
NONINTEREST INCOME
Noninterest income	5,472	5,444	4,402
Retirement Plan Consulting Fees
NONINTEREST INCOME
Noninterest income	2,637	2,467	2,567
Investment Commissions
NONINTEREST INCOME
Noninterest income	2,007	1,978	2,183
Debit Card and EFT Fees
NONINTEREST INCOME
Noninterest income	$ 7,484	$ 7,059	$ 5,814

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Net income	$ 45,949	$ 49,932	$ 60,597
Other comprehensive income (loss):
Net unrealized holding (losses) gains on available for sale securities	(29,669)	48,805	(278,620)
Reclassification adjustment for losses realized in income on sales	2,681	498	415
Reclassification adjustment for losses (gains) realized in income on fair value hedge	772	(1,282)	0
Net unrealized holding (losses) gains	(26,216)	48,021	(278,205)
Income tax effect	5,505	(10,084)	58,423
Unrealized holding (losses) gains, net of reclassification and tax	(20,711)	37,937	(219,782)
Change in funded status of post-retirement plan, net of tax	0	(1)	(3)
Other comprehensive (loss) income, net of tax	(20,711)	37,936	(219,785)
TOTAL COMPREHENSIVE INCOME (LOSS)	$ 25,238	$ 87,868	$ (159,188)

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Total	Common Stock	Retained Earnings	Accumulated Other Comprehensive (Loss) Income	Treasury Stock
Balance at Dec. 31, 2021	$ 472,432	$ 306,123	$ 173,896	$ 9,295	$ (16,882)
Net income	60,597		60,597
Other comprehensive income (loss)	(219,785)			(219,785)
Restricted share issuance	0	(1,816)			1,816
Restricted share forfeitures	0	42			(42)
Stock based compensation expense	1,817	1,817
Vesting of Long Term Incentive Plan	(457)	(826)			369
Share forfeitures for taxes	(191)				(191)
Dividends paid	(22,118)		(22,118)
Balance at Dec. 31, 2022	292,295	305,340	212,375	(210,490)	(14,930)
Net income	49,932		49,932
Other comprehensive income (loss)	37,936			37,936
Share issuance as part of a business combination	59,202	59,202
Restricted share issuance	12	(1,470)			1,482
Restricted share forfeitures	3	49			(46)
Stock based compensation expense	2,612	2,612
Vesting of Long Term Incentive Plan	3	(428)			431
Share forfeitures for taxes	(370)				(370)
Treasury share purchases	(11,660)				(11,660)
Dividends paid	(25,550)		(25,550)
Balance at Dec. 31, 2023	404,415	365,305	236,757	(172,554)	(25,093)
Net income	45,949		45,949
Other comprehensive income (loss)	(20,711)			(20,711)
Restricted share issuance	0	(1,212)			1,212
Restricted share forfeitures	(8)	507			(515)
Stock based compensation expense	2,643	2,643
Vesting of Long Term Incentive Plan	0	(1,184)			1,184
Share forfeitures for taxes	(727)				(727)
Dividends paid	(25,533)		(25,533)
Balance at Dec. 31, 2024	$ 406,028	$ 366,059	$ 257,173	$ (193,265)	$ (23,939)

Consolidated Statements of St_2

Consolidated Statements of Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Retained Earnings
Cash dividend paid per share of common stock	$ 0.68	$ 0.65	$ 0.47

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 45,949	$ 49,932	$ 60,597
Adjustments to reconcile net income to net cash from operating activities:
Provision for credit losses	8,244	8,718	250
(Credit) provision for unfunded commitments	(278)	435	872
Depreciation and amortization	6,401	7,327	4,899
Net amortization of securities	554	925	4,817
Available for sale security losses	2,681	498	415
Realized (gains) losses on equity securities	(43)	(27)	39
(Gain) on debt extinguishment	(444)	0	0
Losses (gains) on premises and equipment sales and disposals, net	490	316	(20)
Stock compensation expense	2,643	2,612	1,817
Earnings on bank owned life insurance	(2,578)	(2,337)	(1,626)
Income recognized from death benefit on bank owned life insurance	(81)	(105)	(184)
Origination of loans held for sale	(74,522)	(64,647)	(102,150)
Proceeds from loans held for sale	74,736	64,910	105,956
Net (gains) on sale of loans	(1,502)	(2,391)	(2,062)
Net change in other assets and liabilities	4,365	(3,238)	7,881
NET CASH FROM OPERATING ACTIVITIES	66,615	62,928	81,501
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from maturities and repayments of securities available for sale	58,947	58,562	78,265
Proceeds from sales of securities available for sale	49,728	85,306	37,190
Purchases of securities available for sale	(105,750)	(650)	(239,240)
Proceeds from sale of equity securities	61	69	72
Purchases of equity securities	(69)	(70)	(78)
Proceeds from maturities and repayments of SBIC funds	2,605	2,030	2,740
Purchases of SBIC funds	(2,175)	(1,870)	(3,067)
Purchase of regulatory stock	(21,270)	(30,288)	(5,833)
Proceeds from redemption of regulatory stock	10,797	36,084	3,142
Loan originations and payments, net	(70,293)	(61,919)	(77,198)
Purchase of portfolio loans	(8,069)	0	0
Proceeds from loans held for sale previously classified as portfolio loans	1,594	6,785	0
Proceeds from BOLI death benefits	730	419	693
Proceeds from land and building sales	331	533	1,399
Additions to premises and equipment	(11,692)	(3,880)	(2,559)
Net cash paid in business combinations	(600)	(13,175)	(1,033)
NET CASH (USED IN) FROM INVESTING ACTIVITIES	(95,125)	77,936	(205,507)
CASH FLOWS FROM FINANCING ACTIVITIES
Net change in deposits	89,393	(260,195)	14,533
Net change in short-term borrowings	(50,000)	185,000	95,000
Redemption of subordinated debentures	(2,535)	0	0
Cash dividends paid	(25,388)	(25,396)	(22,004)
Cash paid for withholding taxes on share-based awards	(880)	(622)	(762)
Repurchase of common shares	0	(11,544)	0
NET CASH FROM (USED IN) FINANCING ACTIVITIES	10,590	(112,757)	86,767
NET CHANGE IN CASH AND CASH EQUIVALENTS	(17,920)	28,107	(37,239)
Beginning cash and cash equivalents	103,658	75,551	112,790
Ending cash and cash equivalents	85,738	103,658	75,551
Supplemental cash flow information:
Interest paid	101,247	78,520	16,461
Supplemental noncash disclosures:
Issuance of stock for business combinations	0	59,202	0
Issuance of stock awards	2,397	1,913	2,184
Transfer of loans to loans held for sale	1,600	7,510	0
Lease liabilities assumed from obtaining right-of-use assets	$ 2,201	$ 1,289	$ 1,628

Cybersecurity Risk Management,

Cybersecurity Risk Management, Strategy and Governance	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	Item 1C. Cybersecurity Risk Management and Strategy In the ordinary course of its business, the Bank relies on electronic communications and information systems to conduct its operations and to store sensitive data, and employs a variety of preventative and detective tools to monitor, block, and provide alerts regarding suspicious activity, as well as to report on any suspected advanced persistent threats. Notwithstanding these defensive measures, the threat from cybersecurity attacks is severe, attacks are sophisticated and increasing in volume, and attackers respond rapidly to changes in defensive measures. While the Bank has not, to date, detected a significant compromise, significant data loss or any material financial losses related to cybersecurity attacks , the Bank’s systems and those of its customers and third-party service providers are under constant threat and it is possible that we could experience a future significant event. The Bank expects risks and exposures related to cybersecurity attacks to remain high for the foreseeable future. For further discussion of risks related to cybersecurity, see “Item 1A Risk Factors.” Governance The Chief Risk Officer is responsible for overseeing the assessment and management of the Company's information security program. The Chief Information Officer is responsible for execution, management, and administration of the information security tools and defenses of the program.
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	Governance The Chief Risk Officer is responsible for overseeing the assessment and management of the Company's information security program. The Chief Information Officer is responsible for execution, management, and administration of the information security tools and defenses of the program.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Chief Risk Officer is responsible for overseeing the assessment and management of the Company's information security program.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Chief Information Officer is responsible for execution, management, and administration of the information security tools and defenses of the program.
Cybersecurity Risk Role of Management [Text Block]	Risk Management and Strategy In the ordinary course of its business, the Bank relies on electronic communications and information systems to conduct its operations and to store sensitive data, and employs a variety of preventative and detective tools to monitor, block, and provide alerts regarding suspicious activity, as well as to report on any suspected advanced persistent threats. Notwithstanding these defensive measures, the threat from cybersecurity attacks is severe, attacks are sophisticated and increasing in volume, and attackers respond rapidly to changes in defensive measures. While the Bank has not, to date, detected a significant compromise, significant data loss or any material financial losses related to cybersecurity attacks , the Bank’s systems and those of its customers and third-party service providers are under constant threat and it is possible that we could experience a future significant event. The Bank expects risks and exposures related to cybersecurity attacks to remain high for the foreseeable future. For further discussion of risks related to cybersecurity, see “Item 1A Risk Factors.”
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	employs a variety of preventative and detective tools to monitor, block, and provide alerts regarding suspicious activity, as well as to report on any suspected advanced persistent threats.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Net Income (Loss)	$ 45,949	$ 49,932	$ 60,597

Insider Trading Arrangements

Insider Trading Arrangements	12 Months Ended
	Dec. 31, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Principles of Consolidation: The consolidated financial statements include the accounts of Farmers National Banc Corp. (“Company”) and its wholly-owned subsidiaries, The Farmers National Bank of Canfield (“Bank” or “Farmers Bank”), Farmers Trust Company (“Farmers Trust”) and Farmers National Captive, Inc. (“Captive”). Captive was a wholly-owned insurance subsidiary of the Company that provided property and casualty insurance coverage to the Company and its subsidiaries until November 2023 when the Company dissolved the entity. The consolidated financial statements also include the accounts of the Bank’s subsidiaries; Farmers National Insurance, LLC (“Farmers Insurance”) and Farmers of Canfield Investment Co. (“Farmers Investments”). The Company completed its acquisition of Emclaire Financial Corp., (“Emclaire”) on January 1, 2023 and has since included its results of operations in the Consolidated Statements of Income. Together all entities are referred to as “the Company.” All significant intercompany balances and transactions have been eliminated in consolidation. Nature of Operations: The Company provides full banking services, including wealth management services and mortgage banking activity, through the Bank. As a national bank, the Bank is subject to regulation by the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation. The primary area served by the Bank is the northeastern region of Ohio and the western region of Pennsylvania, through sixty-two ( 62 ) locations. The Company provides trust services and retirement consulting services through its Farmers Trust subsidiary and insurance services through the Bank’s Insurance subsidiary. Farmers Trust has a state-chartered bank license to conduct trust business from the Ohio Department of Commerce – Division of Financial Institutions. The primary purpose of Farmers Investments is to invest in municipal securities. On November 20, 2023 the Captive entity was dissolved. Captive pooled resources with eleven similar insurance subsidiaries of financial institutions to spread a limited amount of risk among the pool members and to provide insurance where not available or economically feasible. Estimates: The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Business Combinations: Business combinations are accounted for by applying the acquisition method. As of acquisition date, the identifiable assets acquired and liabilities assumed are measured at fair value and recognized separately from goodwill. Results of operations of the acquired entities are included in the consolidated statement of income from the date of acquisition. Cash Flows: Cash and cash equivalents include cash on hand, deposits with other financial institutions with maturities fewer than ninety (90) days, and federal funds sold. Generally, federal funds are purchased and sold for one-day periods. Net cash flows are reported for loan and deposit transactions, short-term borrowings and other assets and liabilities. Securities: Debt securities classified as available for sale are those that could be sold for liquidity, investment management, or similar reasons, even though management has no present intentions to do so. Securities available for sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income, net of tax. Equity securities with readily determinable fair values are carried at fair value, with changes in fair value reported in net income. Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level-yield method without anticipating prepayments, except for mortgage backed securities where prepayments are anticipated. Premiums are amortized to the earliest call date. Purchases and sales are recorded on the trade date, with resulting gains and losses determined using the specific identification method. A debt security is placed on non-accrual status at the time any principal or interest payments become 90 days delinquent. Interest accrued but not received for a security placed on non-accrual is reversed against income. For available-for-sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or it is more likely than not that it 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 debt securities available-for-sale that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to 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, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Changes in the allowance for credit losses are recorded as credit loss expense. Losses are charged against the allowance when management believes the uncollectibility of an available-for-sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. As of December 31, 2024 the Company has not recorded an allowance for credit losses on available-for-sale securities. Loans Held for Sale: Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors. Mortgage loans held for sale are sold with or without servicing rights. Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold. Loans: Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of deferred loan fees and costs, and an allowance for credit losses. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level yield method without anticipating prepayments. Interest income on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the loan is well secured and in process of collection. Consumer loans are typically charged off no later than 120 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually evaluated loans. For all classes of loans, when interest accruals are discontinued, interest accrued but not received is reversed against interest income. Interest on such loans is thereafter recorded on a cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Purchased Credit Deteriorated Loans (PCD): The Company acquires loans individually and in groups or portfolios. At acquisition, the Company reviews each loan to determine whether there is evidence of more than insignificant deterioration of credit quality since origination. Loans having an aggregate commitment of $ 250 thousand or greater and exhibiting the following characteristics have evidence of more than insignificant deterioration. • The loan is 30 days past due or greater as of the acquisition date. • The loan originated as a pass rated credit and has since been downgraded to a criticized or classified credit as of the acquisition date. • The loan has a non-accrual status as of the acquisition date. PCD loans are recorded at fair value. An allowance for credit losses ("ACL") is determined using the same methodology as other loans held for investment. The sum of the purchase price and ACL becomes its initial amortized cost basis. The difference between the initial amortized cost basis and par value of the loan is a noncredit discount or premium which is amortized into interest income over the life of the loan. These loans are assessed on a regular basis and subsequent adjustments to the ACL are recorded on the statements of income. Derivatives: Derivative financial instruments are recognized as assets or liabilities at fair value. The Company’s derivatives are interest-rate swaps for certain commercial loan customers, mortgage banking derivatives and interest rate fair value hedges associated with the state and political subdivision municipal bond portfolio. These are used as part of the Company's asset and liability management strategy to aid in managing its interest rate risk position. The Company uses derivatives for balance sheet hedging purposes. Concentration of Credit Risk: There are no significant concentrations of loans to any one industry or customer. However, most of the Company’s business activity is with customers located within Northeastern Ohio and Western Pennsylvania. Therefore, the Company’s exposure to credit risk is significantly affected by changes in the economy of an nineteen county area. Loans secured by real estate represent 73.2 % of the total portfolio and changes related to the real estate markets are monitored by management. Allowance for Credit Losses: The Company uses the current expected credit loss model (“CECL”). This methodology for calculating the allowance for credit losses considers the expected loss over the life of the loan. It also considers historical loss rates and other qualitative adjustments, as well as a forward-looking component that considers reasonable and supportable forecasts over the expected life of each loan. To develop the ACL estimate under the current expected loss model, the Company segments the loan portfolio into loan pools based on loan type and similar credit risk elements. The Company uses the cohort (“cohort”) and the probability of default/loss given default (“PD/LGD”) methodologies as described in the Credit Quality Indicators section of the loan footnote. Under ASC 326, if a loan does not share similar risk characteristics with loans in that pool, expected credit losses for that loan are evaluated individually. The Company has established specific thresholds for the loan portfolio that trigger when loans need to be evaluated individually. Including but not limited to commercial loans with an aggregate book balance of $ 500 thousand or greater, or consumer loans with book balance of $ 250 thousand or greater in which their payment of contractual principal balance and or interest is in doubt (nonaccrual status). In addition, ASC 326 requires the Company to establish a separate liability for anticipated credit losses for unfunded commitments. Under CECL the credit loss estimation process involves procedures that consider the unique characteristics of the Company’s loan portfolio segments. These segments are disaggregated into the loan pools for monitoring. A model of risk characteristics, such as loss history and delinquency experience, trends in past due and non-performing loans, as well as existing economic conditions and supportable forecasts are used to determine credit loss assumptions. The allowance for credit losses is measured on a collective (pool) basis when similar risk characteristics exist. The Company has identified the following portfolio segments and measures the ACL using the following methods: Commercial Real Estate Owner-Occupied, nonfarm nonresidential properties – The Company originates mortgage loans to operating companies primarily in the northeastern region of Ohio and western region of Pennsylvania. Owner-occupied real estate properties primarily include retail buildings, medical buildings and industrial/warehouse space. Owner-occupied loans are typically repaid first by the cash flows generated by the borrower’s business operations. The primary risk characteristics are specific to the underlying business and its ability to generate sustainable profitability and positive cash flow. Factors that may influence a borrower's ability to repay their loan include demand for the business’ products or services, the quality and depth of management, the degree of competition, regulatory changes, and general economic conditions. Commercial Real Estate Non-Owner Occupied, nonfarm nonresidential properties – The Company originates mortgage loans for commercial real estate that is managed as an investment property primarily in the northeastern region of Ohio and western region of Pennsylvania. Commercial real estate properties primarily include retail buildings/shopping centers, hotels, office/medical buildings and industrial/warehouse space. Increases in vacancy rates, interest rates or other changes in general economic conditions can have an impact on the borrower and its ability to repay the loan. Commercial real estate loans are generally considered to have a higher degree of credit risk as they may be dependent on the ongoing success and operating viability of a fewer number of tenants who are occupying the property and who may have a greater degree of exposure to economic conditions. Farmland (including farm residential and other improvements) – The Company originates loans secured by farmland and improvements thereon, secured by mortgages. Farmland includes all land known to be used or usable for agricultural purposes, such as crop and livestock production. Farmland also includes grazing or pasture land, whether tillable or not and whether wooded or not. The primary risk characteristics are specific to the uncertainty on production, market, financial, environmental and human resources. Commercial Real Estate Other – The Company originates mortgage loans for multifamily properties primarily in the northeastern region of Ohio and western region of Pennsylvania and construction loans to finance land development preparatory to erecting new structures or the on-site construction of industrial, commercial, or multi-family buildings. Multifamily loans are expected to be repaid from the cash flows of the underlying property so the collective amount of rents must be sufficient to cover all operating expenses, property management and maintenance, taxes and debt service. Increases in vacancy rates, interest rates or other changes in general economic conditions can have an impact on the borrower and its ability to repay the loan. Construction loans include not only construction of new structures, but also additions or alterations to existing structures and the demolition of existing structures to make way for new structures. Construction loans are generally secured by real estate. The primary risk characteristics are specific to the uncertainty on whether the construction will be completed according to the specifications and schedules. Factors that may influence the completion of construction may be customer specific, such as the quality and depth of property management, or related to changes in general economic conditions. Commercial and Industrial – The Company originates lines of credit and term loans to operating companies for business purposes. The loans are generally secured by business assets such as accounts receivable, inventory, business vehicles and equipment. Commercial and Industrial loans are typically repaid first by the cash flows generated by the borrower’s business operations. The primary risk characteristics are specific to the underlying business and its ability to generate sustainable profitability and positive cash flow. Factors that may influence a borrower's ability to repay their loan include demand for the business’ products or services, the quality and depth of management, the degree of competition, regulatory changes, and general economic conditions. The ability of the Company to foreclose and realize sufficient value from business assets securing these loans is often uncertain. To mitigate the risk characteristics of commercial and industrial loans, commercial real estate may be included as a secondary source of collateral. The Company will often require more frequent reporting requirements from the borrower in order to better monitor its business performance. The Company also originates various types of loans made directly to municipalities and nonprofit organizations. These loans are repaid through general cash flows or through specific revenue streams and charitable contributions. The primary risk characteristics associated with municipal loans are the municipality's or nonprofit’s ability to manage cash flow, balance the fiscal budget, fixed asset and infrastructure requirements. Additional risks include changes in demographics, as well as social and political conditions. Agricultural Production – The Company originates loans secured or unsecured to farm owners and operators for the purpose of financing agricultural production, including the growing and storing of crops, the marketing or carrying of agricultural products by the growers thereof, and the breeding, raising, fattening, or marketing of livestock, and for purchases of farm machinery, equipment, and implements. The primary risk characteristics are specific to the uncertainty on production, market, financial, environmental and human resources. 1-4 Family Residential Real Estate – The Company originates 1-4 family residential mortgage and construction loans primarily within the northeastern region of Ohio and western region of Pennsylvania. These loans are secured by first or second liens on a primary residence or investment property. The primary risk characteristics associated with residential mortgage loans typically involve major changes to the borrower, including unemployment or other loss of income; unexpected significant expenses, such as medical expenses, catastrophic events, divorce or death. Residential mortgage loans that have adjustable rates could expose the borrower to higher payments in a rising rate environment. Real estate values could decrease and cause the value of the underlying property to fall below the loan amount, creating additional potential loss exposure for the Company. Residential construction loans are exposed to uncertainty on whether the construction will be completed according to the specifications and schedules. Factors that may influence the completion of construction may be customer specific, or related to changes in general economic conditions. Home Equity Lines of Credit – The primary risk characteristics associated with home equity lines of credit typically involve changes to the borrower, including unemployment or other loss of income; unexpected significant expenses, such as major medical expenses, catastrophic events, divorce and death. Home equity lines of credit are typically originated with variable or floating interest rates, which could expose the borrower to higher payments in a rising interest rate environment. Real estate values could decrease and cause the value of the underlying property to fall below the loan amount, creating additional potential loss exposure for the Company. Indirect Loans – The Company originates consumer loans extended for the purpose of purchasing new and used passenger cars and other vehicles such as minivans, vans, sport-utility vehicles, pickup trucks, recreational vehicles, and motorcycles for personal use. The primary risk characteristics associated with automobile loans typically involve major changes to the borrower, including unemployment or other loss of income, unexpected significant expenses, such as for major medical expenses, catastrophic events, divorce or death. Consumer Direct – The Company originates loans to individuals for household, family, and other personal expenditures. Consumer loans generally have higher interest rates and shorter terms than residential loans but tend to have higher credit risk due to the type of collateral securing the loan or in some cases the absence of collateral. The primary risk characteristics associated with other consumer loans typically involve major changes to the borrower, including unemployment or other loss of income, unexpected significant expenses, such as for major medical expenses, catastrophic events, divorce or death. Consumer Other – The Company originates lines of credit to individuals for household, family, and other personal expenditures. Consumer loans generally have higher interest rates and shorter terms than residential loans but tend to have higher credit risk due to the type of collateral securing the loan or in some cases the absence of collateral. The primary risk characteristics associated with other revolving loans typically involve major changes to the borrower, including unemployment or other loss of income, unexpected significant expenses, such as for major medical expenses, catastrophic events, divorce or death. The Company uses two methodologies, the cohort and the PD/LGD, to analyze loan pools. Cohort relies on the creation of cohorts to capture loans that qualify for a particular segment, as of a point in time. Those loans are then tracked over their remaining lives to determine their loss experience. The Company aggregates financial assets on the basis of similar risk characteristics when evaluating loans on a collective basis. Those characteristics include, but aren’t limited to, internal or external credit score, risk ratings, financial asset, loan type, collateral type, size, effective interest rate, term, or geographical location. The Company uses cohort primarily for consumer loan portfolios. The probability of default (“PD”) portion of PD/LGD is defined by the Company as 90 days past due, placed on non-accrual, or partially or wholly, charged-off. Typically, a one-year time period is used to assess PD. PD can be measured and applied using various risk criteria. Risk rating is one common way to apply PD. Loss given default (“LGD”) is to determine the percentage of loss by facility or collateral type. LGD estimates can sometimes be driven, or influenced, by product type, industry or geography. The Company uses PD/LGD primarily for commercial loan portfolios. A reassessment of the existing acquired loans occurred in 2021. This was to align with the calculation of the ACL being used under the CECL model. To the extent that any purchased loan is not specifically reviewed, such loan is assumed to have characteristics similar to the characteristics of the originated risk pools. The grade for each purchased loan without evidence of credit deterioration is reviewed subsequent to the date of acquisition any time a loan is renewed or extended or at any time information becomes available to the Company that provides material insight regarding the loan’s performance, the status of the borrower or the quality or value of the underlying collateral. To the extent that current information indicates it is probable that the Company will collect all amounts according to the contractual terms thereof, such loan is not individually considered in the determination of the required allowance for credit losses. To the extent that current information indicates it is probable that the Company will not be able to collect all amounts according to the contractual terms thereof, such loan is considered in the determination of the required level of allowance as a loan individually evaluated. The ACL represents management’s estimate of expected credit losses in the Company’s loan portfolio at the balance sheet date. The Company estimates the ACL based on the amortized cost basis of the underlying loan and has made an accounting policy election to exclude accrued interest from the loan’s amortized cost basis and the related measurement of the ACL. Estimating the amount of the ACL is a function of a number of factors, including but not limited to changes in the loan portfolio, net charge-offs, trends in past due and nonaccrual loans, and the level of potential problem loans, all of which may be susceptible to significant change. While management uses the best information available to establish the allowance, future adjustments to the allowance may be necessary, which may be material, if economic conditions differ substantially from the assumptions used in estimating the allowance. If additions to the original estimate of the allowance for credit losses are deemed necessary, they will be reported in earnings in the period in which they become reasonably estimable and probable. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged-off. T he Company evaluates all loan restructurings according to the accounting guidance for loan modifications to determine if the restructuring results in a new loan or a continuation of the existing loan. Loan modifications to borrowers experiencing financial difficulty that result in a direct change in the timing or amount of contractual cash flows include situations where there is principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions, and combinations of the listed modifications. Therefore, the disclosures related to loan restructurings are only for modifications that directly affect cash flows. Any restructuring of a loan in which the borrower has experienced financial difficulty and the terms of the loan are more favorable than would generally be considered for borrowers with the same credit characteristics would be individually evaluated. Otherwise, the restructured loan remains in the appropriate segment in the ACL model. Servicing Rights: When mortgage loans are sold and servicing rights are retained, the servicing rights are initially recorded at fair value with the income statement effect recorded in gains on sales of loans. Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. The Company compares the valuation model inputs and results to published industry data to validate the model results and assumptions. The fair value of the mortgage servicing rights as of December 31, 2024 and 2023 was $ 5.20 million and $ 5.39 million, respectively. All classes of servicing assets are subsequently measured using the amortization method, which requires servicing rights to be amortized into non‑interest income in proportion to, and over the period of, the estimated future net servicing income of the underlying loans. Servicing assets are evaluated for impairment based upon the fair value of the assets compared to carrying amount. Any impairment is reported as a valuation allowance, to the extent that fair value is less than the capitalized amount for a grouping. At December 31, 2024 and 2023, there was a valuation allowance totaling $ 89 thousand and $ 54 thousand, respectively. Servicing fee income is recorded when earned for servicing loans based on a contractual percentage of the outstanding principal or a fixed amount per loan. The amortization of mortgage servicing rights is netted against loan servicing fee income. Servicing fees, late fees and ancillary fees related to loan servicing are not considered significant for financial reporting. Foreclosed Assets: Assets acquired through or in lieu of loan foreclosure are initially recorded at fair value less costs to sell, establishing a new cost basis. Physical possession of residential real estate property collateralizing a consumer mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrow conveys all interest in the property to satisfy the loan through completion of a deed in lieu of foreclosure or a similar legal agreement. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, a valuation allowance is recorded through expense. These assets are recorded in other assets on the balance sheets as other real estate owned (“OREO”). Operating costs after acquisition are expensed. The Company had $ 52 thousand and $ 92 thousand of OREO recorded at December 31, 2024 and 2023, respectively. Premises and Equipment: Land is carried at cost. Premises and equipment are stated at cost, less accumulated depreciation. Buildings and related components are depreciated using the straight-line method with useful lives ranging from 5 to 40 years. Furniture, fixtures and equipment are depreciated using the straight-line method with useful lives ranging from 3 to 10 years. Leases: Leases are classified as operating or finance leases at the lease commencement date. The Company leases certain locations and equipment. The Company records leases on the balance sheet in the form of a lease liability for the present value of future minimum payments under the lease terms and a right-of-use asset equal to the lease liability adjusted for items such as deferred or prepaid rent, lease incentives, and any impairment of the right-of-use asset. The discount rate used in determining the lease liability is based upon incremental borrowing rates the Company could obtain for similar loans as of the date of commencement or renewal. Restricted Stock: The Bank is a member of the Federal Home Loan Bank (“FHLB”) system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. The Bank is also a member of and owns stock in the Federal Reserve Bank. These stocks are carried at cost, classified as restricted securities included in other investments, and periodically evaluated for impairment based on ultimate recovery of par value. Restricted stock totaled $ 30.7 million at December 31, 2024 and $ 20.2 million in 2023. Cash and stock dividends are reported as income. Bank Owned Life Insurance: The Company has purchased life insurance policies on certain key officers. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Long-term Assets: Premises and equipment and other long-term assets are reviewed for impairment when events indicate their carrying amount may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value. Goodwill and Other Intangible Assets: Goodwill resulting from a business combination is generally determined as the excess of the fair value of the consideration transferred over the fair value of the net assets acquired as of the acquisition date. Goodwill acquired in a business combination and determined to have an indefinite useful life is not amortized,

Business Combinations

Business Combinations	12 Months Ended
	Dec. 31, 2024
Business Combinations [Abstract]
Business Combinations	NOTE 2 – BUSINESS COMBINATIONS On January 1, 2023 , the Company completed its previously announced merger with Emclaire Financial Corp., a Pennsylvania corporation and registered financial holding company (“Emclaire”), pursuant to the Agreement and Plan of Merger dated as of March 23, 2022. The Farmers National Bank of Emlenton, the banking subsidiary of Emclaire, merged with and into The Farmers National Bank of Canfield, the national banking subsidiary of the Company, with Farmers Bank as the surviving bank. Pursuant to the terms of the Merger Agreement, at the effective time of the Merger (the “Effective Time”) Emclaire merged with and into Merger Sub (the “Merger”), with Merger Sub as the surviving entity in the Merger. Promptly following the consummation of the Merger, Merger Sub was dissolved and liquidated and The Farmers National Bank of Emlenton, the banking subsidiary of Emclaire, merged with and into The Farmers National Bank of Canfield, the national banking subsidiary of the Company, with Farmers Bank as the surviving bank. Pursuant to the terms of the Merger Agreement, at the effective time of the merger, each common share, without par value, of Emclaire common shares issued and outstanding was converted into the right to receive, without interest, $ 40.00 in cash or 2.15 common shares, without par value, of the Company's common shares, subject to an overall limitation of 70 % of the Emclaire common shares being exchanged and the remaining 30 % of Emclaire common shares being exchanged for the cash. The transaction created expansion for the Company in Pennsylvania and into the Pittsburgh market. The Company issued 4.2 million shares of its common stock along with cash of $ 33.4 million, which represented a transaction value of approximately $ 92.6 million based on its closing stock price of $ 14.12 on December 31, 2022. In accordance with ASC 805, the Company expensed approximately $ 5.5 million of merger related costs, for the Emclaire acquisition, during 2023, in addition to $ 2.0 million expensed for the year of 2022. The Company recorded goodwill of $ 72.9 million as a result of the combination. Goodwill represents the future economic benefits arising from net assets acquired that are not individually identified and separately recognized and is attributable to synergies, including the reduction of personnel and overlapping contracts, expected to be derived from the Company’s strategy to enhance and expand its presence in Pennsylvania. The merger offered the Company the opportunity to increase profitability by introducing existing products and services to the acquired customer base as well as added new customers in the expanded market area. The goodwill was determined not to be deductible for income tax purposes. The following table summarizes the consideration paid for Emclaire and the amounts of the assets acquired and liabilities assumed on the closing date of the acquisition. Consideration Cash $ 33,440 Stock 59,202 Fair value of total consideration transferred $ 92,642 Fair value of assets acquired Cash and cash equivalents $ 20,265 Securities available for sale 126,970 Other investments 7,795 Loans, net 740,659 Premises and equipment 14,808 Bank owned life insurance 22,485 Core deposit intangible 19,249 Current and deferred taxes 17,708 Other assets 7,682 Total assets acquired 977,621 Fair value of liabilities assumed Deposits 875,813 Short-term borrowings 75,000 Accrued interest payable and other liabilities 7,104 Total liabilities 957,917 Net assets acquired $ 19,704 Goodwill created 72,938 Total net assets acquired $ 92,642 The fair value of net assets acquired includes fair value adjustments to certain receivables that were considered performing as of the acquisition date. The fair value adjustments were determined using the income method, discounted cash flow approach. However, the Company believes that all contractual cash flows related to these financial instruments will be collected. As such, these receivables were not considered PCD at the acquisition date and were not subject to the guidance relating to PCD loans. Receivables acquired that were not subject to these requirements had a fair value and gross contractual amounts receivable of $ 714.4 million and $ 764.8 million on the date of acquisition. The fair value of purchased financial assets that were classified as PCD loans are discussed in the loan footnote. The following table presents unaudited pro forma information as if the Emclaire acquisition that occurred on January 1, 2023 actually took place on January 1, 2022. The unaudited pro forma information for the period ended December 31, 2022 include adjustments of interest income on loans, amortization of core deposit intangibles arising from the transaction, interest expense on deposits and borrowings acquired. The unaudited pro forma financial information is not necessarily indicative of the results of operations that would have occurred had the transaction been effective on the assumed date. 2022 Net interest income $ 168,692 Provision for credit losses 17,246 Noninterest income 47,206 Noninterest expense 137,930 Income before income taxes 60,722 Income tax expense 10,007 Net income $ 50,715 Basic earnings per share $ 1.34 Diluted earnings per share $ 1.33 The above unaudited pro forma information excludes nonrecurring merger costs that totaled $ 4.4 million on an after-tax basis. On December 16, 2024 , Farmers Trust acquired substantially all of the assets of Crest Retirement Advisors, LLC, for $ 600 thousand, with an additional $ 400 thousand in contingent consideration payable over two years. Intangible assets of $ 770 thousand were recorded along with goodwill of $ 4 thousand.

Securities Available for Sale

Securities Available for Sale	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Securities Available for Sale	NOTE 3 – SECURITIES AVAILABLE FOR SALE The following table summarizes the amortized cost and fair value of the available-for-sale securities portfolio at December 31, 2024, and 2023, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income (loss). No allowance for credit losses have been recognized for the securities portfolio at December 31, 2024 or 2023. Gross Gross Amortized Unrealized Unrealized 2024 Cost Gains Losses Fair Value U.S. Treasury and U.S. government sponsored $ 132,292 $ 0 $ ( 17,185 ) $ 115,107 State and political subdivisions 609,950 1,294 ( 106,364 ) 504,880 Corporate bonds 17,849 172 ( 573 ) 17,448 Mortgage-backed securities 605,350 34 ( 112,517 ) 492,867 Collateralized mortgage obligations 142,525 85 ( 8,834 ) 133,776 Small Business Administration 2,715 0 ( 240 ) 2,475 Totals $ 1,510,681 $ 1,585 $ ( 245,713 ) $ 1,266,553 Gross Gross Amortized Unrealized Unrealized 2023 Cost Gains Losses Fair Value U.S. Treasury and U.S. government sponsored $ 145,439 $ 113 $ ( 17,597 ) $ 127,955 State and political subdivisions 644,880 4,792 ( 93,503 ) 556,169 Corporate bonds 18,554 187 ( 466 ) 18,275 Mortgage-backed securities 624,529 1 ( 104,144 ) 520,386 Collateralized mortgage obligations 80,227 331 ( 6,559 ) 73,999 Small Business Administration 3,212 0 ( 295 ) 2,917 Totals $ 1,516,841 $ 5,424 $ ( 222,564 ) $ 1,299,701 The proceeds from sales of available-for-sale securities and the associated gains and losses were as follows: 2024 2023 2022 Proceeds $ 49,728 $ 85,306 $ 37,190 Gross gains 17 441 6 Gross losses ( 2,698 ) ( 939 ) ( 421 ) The tax provision (benefit) related to these net realized gains (losses) was $( 563 ) thousand, $( 105 ) thousand, and $( 87 ) thousand, respectively. The amortized cost and fair value of the debt securities portfolio are shown by expected maturity. Expected maturities may differ from contractual maturities if issuers have the right to call or prepay obligations, with or without a call, or prepayment penalties. Securities not due at a single maturity date are shown separately. Available for sale December 31, 2024 Amortized Maturity Cost Fair Value Within one year $ 2,382 $ 2,377 One to five years 68,001 60,891 Five to ten years 175,756 157,992 Beyond ten years 513,952 416,175 Mortgage-backed Securities, Collateralized Mortgage 750,590 629,118 Totals $ 1,510,681 $ 1,266,553 Securities with a carrying amount of $ 852.4 million at December 31, 2024 were pledged to secure public deposits and an unused line of credit and securities with a carrying amount of $ 1.1 billion at December 31, 2023, were pledged to secure public deposits and the term borrowings. Farmers Trust had securities with a carrying amount of $ 117 thousand in place at both year-ends 2024 and 2023, as a pledge to qualify as a fiduciary in the State of Ohio. In each year, there were no holdings of any issuer that exceeded 10% of stockholders’ equity, except for the U.S. Government, its agencies and its sponsored entities. The following table summarizes the investment securities with unrealized losses for which an allowance for credit losses has not been recorded at December 31, 2024 and 2023, aggregated by major security type and length of time in a continuous unrealized loss position. 2024 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Loss Value Loss Value Loss U.S. Treasury and U.S. government sponsored entities $ 4,592 $ ( 320 ) $ 110,515 $ ( 16,865 ) $ 115,107 $ ( 17,185 ) State and political subdivisions 66,436 ( 4,946 ) 400,911 ( 101,418 ) 467,347 ( 106,364 ) Corporate bonds 4,303 ( 146 ) 8,568 ( 427 ) 12,871 ( 573 ) Mortgage-backed securities 30,143 ( 365 ) 460,172 ( 112,152 ) 490,315 ( 112,517 ) Collateralized mortgage obligations 65,046 ( 2,210 ) 51,405 ( 6,624 ) 116,451 ( 8,834 ) Small Business Administration 0 0 2,475 ( 240 ) 2,475 ( 240 ) Total $ 170,520 $ ( 7,987 ) $ 1,034,046 $ ( 237,726 ) $ 1,204,566 $ ( 245,713 ) 2023 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Loss Value Loss Value Loss U.S. Treasury and U.S. government sponsored entities $ 399 $ ( 1 ) $ 122,361 $ ( 17,596 ) $ 122,760 $ ( 17,597 ) State and political subdivisions 15,852 ( 1,684 ) 428,416 ( 91,819 ) 444,268 ( 93,503 ) Corporate bonds 8,463 ( 284 ) 3,881 ( 182 ) 12,344 ( 466 ) Mortgage-backed securities 5,113 ( 76 ) 515,259 ( 104,068 ) 520,372 ( 104,144 ) Collateralized mortgage obligations 20,019 ( 980 ) 43,808 ( 5,579 ) 63,827 ( 6,559 ) Small Business Administration 0 0 2,917 ( 295 ) 2,917 ( 295 ) Total $ 49,846 $ ( 3,025 ) $ 1,116,642 $ ( 219,539 ) $ 1,166,488 $ ( 222,564 ) As of December 31, 2024, the Company’s security portfolio consisted of 946 securities, 842 of which were in an unrealized loss position. The treasury, agency, mortgage-backed securities, collateralized mortgage obligations and small business administration securities that the Company owns are all issued by government sponsored entities and therefore contain no potential for credit loss. The Company does not consider any of its available-for-sale securities with unrealized losses to be attributable to credit-related factors, as the unrealized losses have occurred as a result of changes in noncredit related factors such as changes in interest rates, market spreads and market conditions subsequent to purchase, not credit deterioration. The vast majority of the Company's state and political subdivisions holdings are of high credit quality, and are rated AA or higher. In addition, management has both the ability and intent to hold the securities for a period of time sufficient to allow for the recovery in fair value. As of December 31, 2024, the Company has not recorded an allowance for credit losses on available for sale (“AFS”) securities. At December 31, 2023, the Company’s security portfolio consisted of 978 securities, 743 of which were in an unrealized loss position. The majority of unrealized losses on the Company’s securities were related to its holdings of mortgage-backed securities and state and political subdivisions. Furthermore, the treasury, agency, mortgage-backed securities, collateralized mortgage obligations and small business administration securities that the Company owns are all issued by government sponsored entities. At December 31, 2023 the Company did not consider any of its available for sale ("AFS") securities with unrealized losses to be attributable to credit-related factors, as the unrealized losses that had occurred were a result of changes in noncredit related factors such as changes in interest rates, market spreads and market conditions subsequent to purchase, not credit deterioration. The vast majority of the Company's state and political subdivisions holdings are of high credit quality, and are rated AA or higher. In addition, management has both the ability and intent to hold the securities for a period of time sufficient to allow for the recovery in fair value. At December 31, 2023, the Company had not recorded an allowance for credit losses on AFS securities. Equity Securities The Company also holds equity securities which include $ 14.5 million in Small Business Investment Company (“SBIC”) partnership investments as well as $ 277 thousand in local and regional bank holdings and other miscellaneous equity funds at December 31, 2024. At December 31, 2023, the Company held $ 14.9 million in SBIC investments and $ 226 thousand in local and regional bank holdings and other miscellaneous equity funds. These investments are held at modified cost and any changes in modified cost are recognized in income in 2024 and 2023.

Loans

Loans	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Loans	NOTE 4 – LOANS Loan balances at year end were as follows: 2024 2023 (In Thousands of Dollars) Commercial real estate Owner occupied $ 391,302 $ 399,273 Non-owner occupied 695,699 712,315 Farmland 206,786 202,950 Other 295,713 224,218 Commercial Commercial and industrial 349,966 346,354 Agricultural 55,606 58,338 Residential real estate 1-4 family residential 845,081 843,697 Home equity lines of credit 158,014 142,441 Consumer Indirect 232,822 226,815 Direct 19,143 23,805 Other 7,989 9,164 Total originated loans $ 3,258,121 $ 3,189,370 Net deferred loan costs 10,225 8,757 Allowance for credit losses ( 35,863 ) ( 34,440 ) Net loans $ 3,232,483 $ 3,163,687 Allowance for credit loss activity The following tables present the activity in the allowance for credit losses by portfolio segment for years ended December 31, 2024, 2023 and 2022: December 31, 2024 Commercial Commercial Residential Consumer Total (In Thousands of Dollars) Allowance for credit losses Beginning balance $ 18,150 $ 5,087 $ 6,916 $ 4,287 $ 34,440 Provision for credit losses 5,706 763 333 1,442 8,244 Loans charged off ( 4,619 ) ( 1,742 ) ( 155 ) ( 1,471 ) ( 7,987 ) Recoveries 22 520 177 447 1,166 Total ending allowance balance $ 19,259 $ 4,628 $ 7,271 $ 4,705 $ 35,863 December 31, 2023 Commercial Commercial Residential Consumer Total (In Thousands of Dollars) Allowance for credit losses Beginning balance $ 14,840 $ 4,186 $ 4,374 $ 3,578 $ 26,978 PCD ACL on loans acquired 850 138 11 0 999 Provision for credit losses 2,808 1,931 2,834 1,145 8,718 Loans charged off ( 349 ) ( 1,272 ) ( 384 ) ( 932 ) ( 2,937 ) Recoveries 1 104 81 496 682 Total ending allowance balance $ 18,150 $ 5,087 $ 6,916 $ 4,287 $ 34,440 December 31, 2022 Commercial Commercial Residential Consumer Total Allowance for credit losses Beginning balance $ 15,879 $ 4,949 $ 4,870 $ 3,688 $ 29,386 Provision for credit losses ( 742 ) 1,204 ( 493 ) 281 250 Loans charged off ( 300 ) ( 2,042 ) ( 92 ) ( 870 ) ( 3,304 ) Recoveries 3 75 89 479 646 Total ending allowance balance $ 14,840 $ 4,186 $ 4,374 $ 3,578 $ 26,978 The cumulative loss rate used as the basis for the estimate of credit losses is comprised of the Company's historical loss experience from December 31, 2011 to December 31, 2024. As of December 31, 2024, the Company expects that the markets in which it operates will experience minimal changes to economic conditions, with a stable trend in unemployment, and a level trend of delinquencies. Management adjusted historical loss experience for these expectations. No reversion adjustments were necessary, as the starting point for the Company's estimate was a cumulative loss rate covering the expected contractual term of the portfolio. While there are many factors that go into the calculation of the allowance for credit losses, the change in the balances from December 31, 2023 to December 31, 2024 is largely attributed to an increase in the specific reserve related to the individual evaluation of a commercial real estate non-owner occupied loan, adjustments made to the Portfolio Composition and Growth qualitative factor and increased loan balances. These factors were partially offset by the reduction of the specific reserve related to a loan settlement, reduction of specific reserve related to payoff of another individually evaluated relationship, and improved loss rates for certain loan pools under the PD/LGD methodology. The following tables present the amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing as of December 31, 2024 and December 31, 2023: (In Thousands of Dollars) Nonaccrual with no allowance for credit loss Nonaccrual with an allowance for credit loss Loans past due over 89 days still accruing December 31, 2024 Commercial real estate Owner occupied $ 0 $ 937 $ 0 Non-owner occupied 0 8,105 0 Farmland 1,757 3 0 Other 0 0 525 Commercial Commercial and industrial 145 3,713 0 Agricultural 177 183 0 Residential real estate 1-4 family residential 513 3,967 90 Home equity lines of credit 94 409 0 Consumer Indirect 37 463 0 Direct 66 34 0 Other 0 0 0 Total loans $ 2,789 $ 17,814 $ 615 (In Thousands of Dollars) Nonaccrual with no allowance for credit loss Nonaccrual with an allowance for credit loss Loans past due over 89 days still accruing December 31, 2023 Commercial real estate Owner occupied $ 1,804 $ 830 $ 0 Non-owner occupied 19 1,491 0 Farmland 1,957 9 0 Other 0 80 0 Commercial Commercial and industrial 394 1,408 0 Agricultural 203 317 0 Residential real estate 1-4 family residential 348 3,009 460 Home equity lines of credit 240 210 69 Consumer Indirect 22 300 125 Direct 65 69 1 Other 0 5 0 Total loans $ 5,052 $ 7,728 $ 655 The above table for the period ending December 31, 2024 does not include a $ 1.52 million owner occupied commercial real estate loan and a $ 77 thousand commercial & industrial loan that are held-for-sale and in nonaccrual status. The above table for the period ending December 31, 2023 does not include a $ 1.63 million non-owner occupied commercial real estate loan that is held-for-sale and in nonaccrual status. The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2024 and December 31, 2023: (In Thousands of Dollars) Real Estate Business Assets Vehicles Cash December 31, 2024 Commercial real estate Owner occupied $ 0 $ 0 $ 0 $ 0 Non-owner occupied 8,119 0 0 0 Farmland 1,757 0 0 0 Other 0 0 0 0 Commercial Commercial and industrial 0 2,591 0 0 Agricultural 0 177 0 0 Residential real estate 1-4 family residential 3,573 0 0 0 Home equity lines of credit 264 0 0 0 Consumer Indirect 0 0 70 0 Direct 0 0 9 66 Other 0 0 0 0 Total loans $ 13,713 $ 2,768 $ 79 $ 66 (In Thousands of Dollars) Real Estate Business Assets Vehicles Cash December 31, 2023 Commercial real estate Owner occupied $ 1,804 $ 0 $ 0 $ 0 Non-owner occupied 1,335 0 0 0 Farmland 1,957 0 0 0 Other 0 0 0 0 Commercial Commercial and industrial 94 867 0 0 Agricultural 0 203 0 0 Residential real estate 1-4 family residential 3,352 0 0 0 Home equity lines of credit 294 0 0 0 Consumer Indirect 0 0 53 0 Direct 0 0 19 66 Other 0 0 0 0 Total loans $ 8,836 $ 1,070 $ 72 $ 66 The following tables present the aging of the amortized cost basis in past due loans as of December 31, 2024 and 2023 by class of loans: December 31, 2024 30-59 60-89 90 Days or More Past Due Total Past Loans Not Total (In Thousands of Dollars) Commercial real estate Owner occupied $ 95 $ 446 $ 937 $ 1,478 $ 389,630 $ 391,108 Non-owner occupied 15 52 8,105 8,172 687,112 695,284 Farmland 53 0 1,760 1,813 204,787 206,600 Other 0 113 525 638 294,543 295,181 Commercial Commercial and industrial 941 324 3,858 5,123 346,410 351,533 Agricultural 284 26 360 670 55,759 56,429 Residential real estate 1-4 family residential 6,688 1,943 4,570 13,201 832,338 845,539 Home equity lines of credit 104 0 503 607 157,532 158,139 Consumer Indirect 1,385 473 500 2,358 238,997 241,355 Direct 59 30 100 189 18,996 19,185 Other 0 1 0 1 7,992 7,993 Total loans $ 9,624 $ 3,408 $ 21,218 $ 34,250 $ 3,234,096 $ 3,268,346 December 31, 2023 30-59 60-89 90 Days or More Past Due Total Past Loans Not Total Commercial real estate Owner occupied $ 302 $ 293 $ 2,634 $ 3,229 $ 395,799 $ 399,028 Non-owner occupied 90 0 1,510 1,600 710,195 711,795 Farmland 365 0 1,966 2,331 200,395 202,726 Other 0 0 80 80 223,697 223,777 Commercial Commercial and industrial 540 199 1,802 2,541 345,278 347,819 Agricultural 292 40 520 852 58,223 59,075 Residential real estate 1-4 family residential 6,819 4,488 3,817 15,124 828,437 843,561 Home equity lines of credit 729 34 519 1,282 141,189 142,471 Consumer Indirect 2,045 289 447 2,781 232,105 234,886 Direct 153 23 135 311 23,514 23,825 Other 4 0 5 9 9,155 9,164 Total loans: $ 11,339 $ 5,366 $ 13,435 $ 30,140 $ 3,167,987 $ 3,198,127 Loan Restructurings: The Company adopted the accounting guidance in ASU No. 2022-02, effective as of January 1, 2023 , which eliminates the recognition and measurement of troubled debt restructurings ("TDRs"). Due to the removal of the TDR designation, the Company evaluates all loan restructurings according to the accounting guidance for loan modifications to determine if the restructuring results in a new loan or a continuation of the existing loan. Loan modifications to borrowers experiencing financial difficulty that result in a direct change in the timing or amount of contractual cash flows include situations where there is principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions, and combinations of the listed modifications. Therefore, the disclosures related to loan restructurings are only for modifications that directly affect cash flows. Any restructuring of a loan in which the borrower has experienced financial difficulty and the terms of the loan are more favorable than would generally be considered for borrowers with the same credit characteristics would be individually evaluated. Otherwise, the restructured loan remains in the appropriate segment in the ACL model. The following tables present the amortized cost basis of loans that were both experiencing financial difficulty and modified during the twelve months ended December 31, 2024 and December 31, 2023, by class and type of modification at December 31, 2024 and 2023. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below: December 31, 2024 Amortized Cost (In Thousands of Dollars) Term Extension Interest Rate Reduction Combination Term Extension and Interest Rate Reduction Total % of Total Class of Financing Receivable Residential real estate Home equity lines of credit $ 0 $ 29 $ 19 $ 48 0.03 % Total modifications to borrowers experiencing financial difficulty $ 0 $ 29 $ 19 $ 48 0.00 % December 31, 2023 Amortized Cost (In Thousands of Dollars) Term Extension Interest Rate Reduction Combination Term Extension and Interest Rate Reduction Total % of Total Class of Financing Receivable Residential real estate 1-4 family residential $ 48 $ 30 $ 132 $ 210 0.03 % Total modifications to borrowers experiencing financial difficulty $ 48 $ 30 $ 132 $ 210 0.01 % As of December 31, 2024, the Company had no commitments to lend any additional funds to the borrowers included in the previous tables. The Company closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following tables present the performance of such loans that have been modified in the twelve months ended December 31, 2024 and December 31, 2023: December 31, 2024 Payment status (Amortized cost Basis) (In Thousands of Dollars) Current 30-89 Days past due 90+ Days past due Accrual restructured loans Residential real estate Home equity lines of credit $ 0 $ 19 $ 0 Total accruing restructured loans $ 0 $ 19 $ 0 Nonaccrual restructured loans Residential real estate Home equity lines of credit $ 0 $ 0 $ 29 Total nonaccrual restructured loans $ 0 $ 0 $ 29 Total restructured loans $ 0 $ 19 $ 29 December 31, 2023 Payment status (Amortized cost Basis) (In Thousands of Dollars) Current 30-89 Days past due 90+ Days past due Accrual restructured loans Residential real estate 1-4 family residential $ 132 $ 30 $ 0 Total accruing restructured loans $ 132 $ 30 $ 0 Nonaccrual restructured loans Residential real estate 1-4 family residential $ 48 $ 0 $ 0 Total nonaccrual restructured loans $ 48 $ 0 $ 0 Total restructured loans $ 180 $ 30 $ 0 The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty during the twelve months ended December 31, 2024 and December 31, 2023: Payment Deferral Interest Rate Reduction Term Extension Weighted-Average Years Added to the Life Weighted-Average Contractual Interest Rate Weighted-Average Years Added to the Life December 31, 2024 From To Residential real estate Home equity lines of credit 10.45 % 5.91 % 10 Payment Deferral Interest Rate Reduction Term Extension Weighted-Average Years Added to the Life Weighted-Average Contractual Interest Rate Weighted-Average Years Added to the Life December 31, 2023 From To Residential real estate 1-4 family residential 4.77 % 3.38 % 6.3 The following table presents the amortized cost basis of loans that had a payment default during the year ended December 31, 2024 and December 31, 2023 and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty. For purposes of this disclosure a default occurs when within 12 months of the original modification, a loan is 30 days contractually past due under the modified terms: December 31, 2024 Amortized Cost (In Thousands of Dollars) Term Extension Interest Rate Reduction Combination Term Extension and Interest Rate Reduction Residential real estate Home equity lines of credit 0 29 19 Total modifications to borrowers experiencing financial difficulty $ 0 $ 29 $ 19 December 31, 2023 Amortized Cost (In Thousands of Dollars) Term Extension Interest Rate Reduction Combination Term Extension and Interest Rate Reduction Residential real estate 1-4 family residential $ 0 $ 30 $ 0 Total modifications to borrowers experiencing financial difficulty $ 0 $ 30 $ 0 Upon the Company's determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or portion of the loan) is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance of credit losses is adjusted by the same amount. Credit Quality Indicators: The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. The Company establishes a risk rating at origination for all commercial loan and commercial real estate relationships. For relationships over $ 3 million management, monitors the loans on an ongoing basis for any changes in the borrower’s ability to service their debt. Management also affirms the risk ratings for the loans and leases in their respective portfolios on an annual basis. The Company uses the following definitions for risk ratings: Special Mention. Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Based on the most recent analysis performed, the risk category of loans by class of loans is as follows: December 31, 2024 Pass Special Sub Doubtful Total (In Thousands of Dollars) Commercial real estate Owner occupied $ 383,556 $ 4,865 $ 2,687 $ 0 $ 391,108 Non-owner occupied 642,542 18,127 33,781 834 695,284 Farmland 204,348 0 2,252 0 206,600 Other 285,119 10,030 32 0 295,181 Commercial Commercial and industrial 340,580 462 10,491 0 351,533 Agricultural 56,005 61 363 0 56,429 Total loans $ 1,912,150 $ 33,545 $ 49,606 $ 834 $ 1,996,135 December 31, 2023 Pass Special Sub Total Commercial real estate Owner occupied $ 386,015 $ 9,628 $ 3,385 $ 399,028 Non-owner occupied 648,063 27,938 35,794 711,795 Farmland 200,240 0 2,486 202,726 Other 215,459 0 8,318 223,777 Commercial Commercial and industrial 334,764 646 12,409 347,819 Agricultural 58,506 17 552 59,075 Total loans $ 1,843,047 $ 38,229 $ 62,944 $ 1,944,220 The Company considers the performance of the loan portfolio and its impact on the allowance for credit losses. For residential, consumer and indirect loan classes, the Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The above table for the period ending December 31, 2024 does not include a $ 1.52 million owner occupied commercial real estate loan and a $ 77 thousand commercial & industrial loan that are held-for-sale and risk-rated substandard. The above table for the period ending December 31, 2023 does not include a $ 1.63 million non-owner occupied commercial real estate loan that is held-for-sale and risk-rated substandard. In the 1-4 family residential real estate portfolio at December 31, 2024, other real estate owned and foreclosure properties were $ 52 thousand and $ 631 thousand, respectively. In the 1-4 family residential real estate portfolio at December 31, 2023, other real estate owned and foreclosure properties were $ 92 thousand and $ 207 thousand, respectively. The following table presents the amortized cost in residential, consumer and indirect auto loans based on payment activity. Nonperforming loans are loans past due 90 days and still accruing interest and nonaccrual loans. Residential Real Estate Consumer December 31, 2024 1-4 Family Residential Home Equity Lines of Credit Indirect Direct Other (In Thousands of Dollars) Performing $ 840,969 $ 157,636 $ 240,855 $ 19,085 $ 7,993 Nonperforming 4,570 503 500 100 0 Total loans $ 845,539 $ 158,139 $ 241,355 $ 19,185 $ 7,993 Residential Real Estate Consumer December 31, 2023 1-4 Family Residential Home Equity Lines of Credit Indirect Direct Other Performing $ 839,744 $ 141,952 $ 234,439 $ 23,690 $ 9,159 Nonperforming 3,817 519 447 135 5 Total loans $ 843,561 $ 142,471 $ 234,886 $ 23,825 $ 9,164 The following tables present total loans by risk categories and year of origination. Term Loans Amortized Cost Basis by Origination Year As of December 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Total Commercial real estate - Owner occupied: Risk Rating Pass $ 45,588 $ 56,389 $ 46,323 $ 60,179 $ 45,428 $ 127,665 $ 1,984 $ 383,556 Special mention 0 3,228 0 1,118 0 519 0 4,865 Substandard 0 0 659 0 0 1,962 66 2,687 Total commercial real estate - Owner occupied loans $ 45,588 $ 59,617 $ 46,982 $ 61,297 $ 45,428 $ 130,146 $ 2,050 $ 391,108 Commercial real estate - Owner Occupied: Current period gross write-offs $ 0 $ 0 $ 72 $ 0 $ 21 $ 0 $ 0 $ 93 Commercial real estate - Non-owner occupied: Risk Rating Pass $ 61,974 $ 44,323 $ 125,547 $ 78,933 $ 71,322 $ 251,465 $ 8,978 $ 642,542 Special mention 0 0 6,284 313 1,356 10,024 150 18,127 Substandard 7,065 407 0 11,249 7,129 7,931 0 33,781 Doubtful 0 0 0 834 0 0 0 834 Total commercial real estate - Non-owner occupied loans $ 69,039 $ 44,730 $ 131,831 $ 91,329 $ 79,807 $ 269,420 $ 9,128 $ 695,284 Commercial real estate - Non-owner occupied: Current period gross write-offs $ 0 $ 0 $ 0 $ 4,380 $ 146 $ 0 $ 0 $ 4,526 Commercial real estate - Farmland: Risk Rating Pass $ 19,832 $ 20,803 $ 39,126 $ 18,734 $ 31,620 $ 71,162 $ 3,071 $ 204,348 Substandard 0 0 0 317 0 1,935 0 2,252 Total commercial real estate - Farmland loans $ 19,832 $ 20,803 $ 39,126 $ 19,051 $ 31,620 $ 73,097 $ 3,071 $ 206,600 Commercial real estate - Farmland: Current period gross write-offs $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Commercial real estate - Other: Risk Rating Pass $ 40,993 $ 108,346 $ 65,724 $ 39,091 $ 8,493 $ 21,744 $ 728 $ 285,119 Special mention 0 990 7,480 112 0 1,448 0 10,030 Substandard 0 0 0 0 0 32 0 32 Total commercial real estate - Other loans $ 40,993 $ 109,336 $ 73,204 $ 39,203 $ 8,493 $ 23,224 $ 728 $ 295,181 Commercial real estate - Other: Current period gross write-offs $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Term Loans Amortized Cost Basis by Origination Year (Continued) As of December 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Total Commercial - Commercial and industrial: Risk Rating Pass $ 84,491 $ 72,388 $ 55,279 $ 26,780 $ 10,744 $ 20,223 $ 70,675 $ 340,580 Special mention 0 0 0 167 165 46 84 462 Substandard 31 118 5,653 282 244 1,682 2,481 10,491 Total commercial - Commercial and industrial loans $ 84,522 $ 72,506 $ 60,932 $ 27,229 $ 11,153 $ 21,951 $ 73,240 $ 351,533 Commercial - Commercial and industrial: Current period gross write-offs $ 48 $ 273 $ 389 $ 125 $ 228 $ 257 $ 313 $ 1,633 Commercial - Agricultural: Risk Rating Pass $ 9,085 $ 11,703 $ 13,160 $ 5,481 $ 1,768 $ 850 $ 13,958 $ 56,005 Special mention 0 0 0 0 0 0 61 61 Substandard 0 0 35 29 162 137 0 363 Total commercial - Agricultural loans $ 9,085 $ 11,703 $ 13,195 $ 5,510 $ 1,930 $ 987 $ 14,019 $ 56,429 Commercial - Agricultural: Current period gross write-offs $ 0 $ 1 $ 49 $ 13 $ 29 $ 17 $ 0 $ 109 Residential real estate - 1-4 family residential: Payment Performance Performing $ 79,820 $ 69,319 $ 157,403 $ 153,569 $ 119,770 $ 257,827 $ 3,261 $ 840,969 Nonperforming 0 0 473 278 1,626 2,193 0 4,570 Total residential real estate - 1-4 family residential loans $ 79,820 $ 69,319 $ 157,876 $ 153,847 $ 121,396 $ 260,020 $ 3,261 $ 845,539 Residential real estate - 1-4 family residential: Current period gross write-offs $ 0 $ 0 $ 0 $ 37 $ 0 $ 118 $ 0 $ 155 Residential real estate - Home equity lines of credit: Payment Performance Performing $ 0 $ 119 $ 153 $ 127 $ 68 $ 4,118 $ 153,051 $ 157,636 Nonperforming 0 0 29 0 0 376 98 503 Total residential real estate - Home equity lines of credit loans $ 0 $ 119 $ 182 $ 127 $ 68 $ 4,494 $ 153,149 $ 158,139 Residential real estate - Home equity lines of credit: Current period gross write-offs $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Term Loans Amortized Cost Basis by Origination Year (Continued) As of December 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Total Consumer - Indirect: Payment Performance Performing $ 78,306 $ 55,525 $ 49,548 $ 23,331 $ 14,183 $ 19,962 $ 0 $ 240,855 Nonperforming 0 57 233 97 62 51 0 500 Total consumer - Indirect loans $ 78,306 $ 55,582 $ 49,781 $ 23,428 $ 14,245 $ 20,013 $ 0 $ 241,355 Consumer - Indirect: Current period gross write-offs $ 10 $ 100 $ 206 $ 192 $ 174 $ 430 $ 0 $ 1,112 Consumer - Direct: Payment Performance Performing $ 2,735 $ 2,319 $ 2,406 $ 1,075 $ 792 $ 9,432 $ 326 $ 19,085 Nonperforming 0 0 6 15 66 13 0 100 Total consumer - Direct loans $ 2,735 $ 2,319 $ 2,412 $ 1,090 $ 858 $ 9,445 $ 326 $ 19,185 Consumer - Direct: Current period gross write-offs $ 0 $ 7 $ 38 $ 6 $ 5 $ 120 $ 0 $ 176 Consumer - Other: Payment Performance Performing $ 0 $ 0 $ 0 $ 60 $ 0 $ 409 $ 7,524 $ 7,993 Nonperforming 0 0 0 0 0 0 0 0 Total consumer - Other loans $ 0 $ 0 $ 0 $ 60 $ 0 $ 409 $ 7,524 $ 7,993 Consumer - Other: Current period gross write-offs $ 0 $ 0 $ 1 $ 0 $ 0 $ 182 $ 0 $ 183 Term Loans Amortized Cost Basis by Origination Year As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Total Commercial real estate - Owner occupied: Risk Rating Pass $ 57,983 $ 58,178 $ 66,205 $ 42,023 $ 48,849 $ 109,831 $ 2,946 $ 386,015 Special mention 0 293 0 8,779 0 556 0 9,628 Substandard 0 0 0 10 490 2,701 184 3,385 Total commercial real estate - Owner occupied loans $ 57,983 $ 58,471 $ 66,205 $ 50,812 $ 49,339 $ 113,088 $ 3,130 $ 399,028 Commercial real estate - Owner Occupied: Current period gross write-offs $ 0 $ 0 $ 0 $ 0 $ 1 $ 0 $ 0 $ 1 Commercial real estate - Non-owner occupied: Risk Rating Pass $ 49,177 $ 135,433 $ 88,188 $ 77,713 $ 81,079 $ 205,729 $ 10,744 $ 648,063 Special mention 0 0 12,156 0 6,565 9,217 0 27,938 Substandard 0 0 3,972 10,037 3,492 17,794 499 35,794 Total commercial real estate - Non-owner occupied loans $ 49,177 $ 135,433 $ 104,316 $ 87,750 $ 91,136 $ 232,740 $ 11,243 $ 711,795 Commercial real estate - Non-owner occupied: Current period gross write-offs $ 0 $ 0 $ 0 $ 0 $ 144 $ 201 $ 0 $ 345 Commercial real estate - Farmland: Risk Rating Pass $ 22,576 $ 40,101 $ 20,890 $ 34,036 $ 18,634 $ 59,900 $ 4,103 $ 200,240 Substandard 0 0 330 0 26 2,130 0 2,486 Total commercial real estate - Farmland loans $ 22,576 $ 40,101 $ 21,220 $ 34,036 $ 18,660 $ 62,030 $ 4,103 $ 202,726 Commercial real estate - Farmland: Current period gross write-offs $ 0 $ 0 $ 0 $ 0 $ 0 $ 3 $ 0 $ 3 Commercial real estate - Other: Risk Rating Pass $ 68,911 $ 56,753 $ 47,895 $ 9,063 $ 8,516 $ 23,269 $ 1,052 $ 215,459 Substandard 0 0 0 8,186 0 132 0 8,318 Total commercial real estate - Other loans $ 68,911 $ 56,753 $ 47,895 $ 17,249 $ 8,516 $ 23,401 $ 1,052 $ 223,777 Term Loans Amortized Cost Basis by Origination Year (Continued) As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Total Commercial - Commercial and industrial: Risk Rating Pass $ 90,807 $ 85,255 $ 40,444 $ 21,794 $ 9,736 $ 23,030 $ 63,698 $ 334,764 Special mention 0 141 355 21 0 0 129 646 Substandard 195 3,551 980 404 1,077 699 5,503 12,409 Total commercial - Commercial and industrial loans $ 91,002 $ 88,947 $ 41,779 $ 22,219 $ 10,813 $ 23,729 $ 69,330 $ 347,819 Commercial - Commercial and industrial: Current period gross write-offs $ 0 $ 178 $ 579 $ 11 $ 16 $ 394 $ 0 $ 1,178 Commercial - Agricultural: Risk Rating Pass $ 13,738 $ 17,368 $ 8,917 $ 3,584 $ 1,386 $ 1,133 $ 12,380 $ 58,506 Special mention 0 0 0 0 0 0 17 17 Substandard 0 33 118 225 24 152 0 552 Total commercial - Agricultural loans $ 13,738 $ 17,401 $ 9,035 $ 3,809 $ 1,410 $ 1,285 $ 12,397 $ 59,075 Commercial - Agricultural: Current period gross write-offs $ 0 $ 15 $ 70 $ 3 $ 0 $ 6 $ 0 $ 94 Residential real estate - 1-4 family residential: Payment Performance Performing $ 63,365 $ 171,862 $ 164,469 $ 132,989 $ 49,380 $ 254,027 $ 3,652 $ 839,744 Nonperforming 37 58 312 1,645 115 1,650 0 3,817 Total residential real estate - 1-4 family residential loans $ 63,402 $ 171,920 $ 164,781 $ 134,634 $ 49,495 $ 255,677 $ 3,652 $ 843,561 Residential real estate - 1-4 family residential: Current period gross write-offs $ 52 $ 0 $ 49 $ 130 $ 0 $ 129 $ 0 $ 360 Residential real estate - Home equity lines of credit: Payment Performance Performing $ 0 $ 19 $ 14 $ 111 $ 51 $ 3,302 $ 138,455 $ 141,952 Nonperforming 0 26 13 15 0 465 0 519 Total residential real estate - Home equity lines of credit loans $ 0 $ 45 $ 27 $ 126 $ 51 $ 3,767 $ 138,455 $ 142,471 Residential real estate - Home equity lines of credit: Current period gross write-offs $ 0 $ 0 $ 0 $ 8 $ 0 $ 16 $ 0 $ 24 Term Loans Amortized Cost Basis by Origination Year (Continued) As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Total Consumer - Indirect: Payment Performance Performing $ 74,425 $ 71,705 $ 32,528 $ 21,163 $ 11,395 $ 23,223 $ 0 $ 234,439 Nonperforming 54 108 138 85 26 36 0 447 Total consumer - Indirect loans $ 74,479 $ 71,813 $ 32,666 $ 21,248 $ 11,421 $ 23,259 $ 0 $ 234,886 Consumer - Indirect: Current period gross write-offs $ 33 $ 138 $ 71 $ 35 $ 23 $ 232 $ 0 $ 532 Consumer - Direct: Payment Performance Performing $ 3,552 $ 3,812 $ 2,203 $ 1,352 $ 974 $ 11,431 $ 366 $ 23,690 Nonperforming 0 17 0 65 0 53 0 135 Total consumer - Direct loans $ 3,552 $ 3,829 $ 2,203 $ 1,417 $ 974 $ 11,484 $ 366 $ 23,825 Consumer - Direct: Current period gross write-offs $ 11 $ 38 $ 22 $ 51 $ 9 $ 100 $ 0 $ 231 Consumer - Other: Payment Performance Performing $ 0 $ 0 $ 60 $ 103 $ 82 $ 278 $ 8,636 $ 9,159 Nonperforming 0 0 0 0 0 5 0 5 Total consumer - Other loans $ 0 $ 0 $ 60 $ 103 $ 82 $ 283 $ 8,636 $ 9,164 Consumer - Other: Current period gross write-offs $ 0 $ 0 $ 0 $ 0 $ 0 $ 20 $ 149 $ 169 The Company follows ASU 2016-13 to calculate the allowance for credit losses which requires estimating credit losses over the lifetime of the credits. The ACL is adjusted through the provision for credit losses and reduced by net charge offs of loans. Although the Company has a diversified loan portfolio, the credit risk in the loan portfolio is largely influenced by general economic conditions and trends of the counties and markets in which the debtors operate, and the resulting impact on the operations of borrowers or on the value of any underlying collateral. The credit loss estimation process involves procedures that consider the unique characteristics of the Company’s loan portfolio segments. These segments are disaggregated into the loan pools for monitoring. A model of risk characteristics, such as loss history and delinquency experience, trends in past due and non-performing loans, as well as existing economic conditions and supportable forecasts are used to determine credit loss assumptions. The Company uses two methodologies to analyze loan pools. The cohort method and the PD/LGD. Cohort relies on the creation of cohorts to capture loans that qualify for a particular segment, as of a point in time. Those loans are then tracked over their remaining lives to determine their loss experience. The Company aggregates financial assets on the basis of similar risk characteristics when evaluating loans on a collective basis. Those characteristics include, but are not limited to, internal or external credit score, risk ratings, financial asset, loan type, collateral type, size, effective interest rate, term, or geographical location. The Company uses cohort primarily for consumer loan portfolios. The probability of default portion of PD/LGD is defined by the Company as 90 days past due, placed on non-accrual, or is partially or wholly, charged-off. Typically, a one-year time period is used to assess PD. PD can be measured and applied using various risk criteria. Risk rating is one common way to apply PDs. Loss given default is to determine the percentage of loss by facility or collateral type. LGD estimates can sometimes be driven, or influenced, by product type, industry or geography. The Company uses PD/LGD primarily for commercial loan portfolios. The following table presents the loan pools and the associated methodology used during the calculation of the allowance for credit losses in 2024. Portfolio Segments Loan Pool Methodology Loss Drivers Residential real estate 1-4 Family Residential Real Estate - 1st Liens Cohort Credit Loss History 1-4 Family Residential Real Estate - 2nd Liens Cohort Credit Loss History Home Equity Lines of Credit Home Equity Lines of Credit Cohort Credit Loss History Consumer Finance Cash Reserves Cohort Credit Loss History Direct Cohort Credit Loss History Indirect Cohort Credit Loss History Commercial Commercial and Industrial PD/LGD Credit Loss History Agricultural PD/LGD Credit Loss History Municipal PD/LGD Credit Loss History Commercial real estate Owner Occupied PD/LGD Credit Loss History Non-Owner Occupied PD/LGD Credit Loss History Multifamily PD/LGD Credit Loss History Farmland PD/LGD Credit Loss History Construction PD/LGD Credit Loss History According to accounting standards, an entity may make an accounting policy election not to measure an allowance for credit losses for accrued interest receivable if the entity writes off the applicable accrued interest receivable balance in a timely manner. The Company has made the accounting policy election not to measure an allowance for credit losses for accrued interest receivables for all loan segments. Current policy dictates that a loan will be placed on nonaccrual status, with the current accrued interest receivable balance being written off, upon the loan being 90 days delinquent or when the loan is deemed to be collateral dependent and the collateral analysis shows insufficient collateral coverage based on a current assessment of the value of the collateral. In addition, ASC Topic 326 requires the Company to establish a liability for anticipated credit losses for unfunded commitments. To accomplish this, the Company must first establish a loss expectation for extended (funded) commitments. This loss expectation, expressed as a ratio to the amortized cost basis, is then applied to the portion of unfunded commitments not considered unilaterally cancelable, and considered by the company’s management as likely to fund over the life

Revenue from Contracts with Cus

Revenue from Contracts with Customers	12 Months Ended
	Dec. 31, 2024
Revenue from Contract with Customer [Abstract]
Revenue from Contracts with Customers	NOTE 5 – Revenue from Contracts with Customers All material revenue from contracts with customers in the scope of ASC 606 is recognized within noninterest income. ASC 606 rules govern the disclosure of revenue tied to contracts. The following table presents the Company’s noninterest income by revenue stream and reportable segment, net of eliminations, for the years ended December 31, 2024, 2023 and 2022. (In Thousands of Dollars) Trust Bank Totals December 31, 2024 Service charges on deposit accounts $ 0 $ 7,311 $ 7,311 Debit card and EFT fees 0 7,484 7,484 Trust fees 10,099 0 10,099 Insurance agency commissions 0 5,472 5,472 Retirement plan consulting fees 2,637 0 2,637 Investment commissions 0 2,007 2,007 Other (outside the scope of ASC 606) 0 6,706 6,706 Total noninterest income $ 12,736 $ 28,980 $ 41,716 (In Thousands of Dollars) Trust Bank Totals December 31, 2023 Service charges on deposit accounts $ 0 $ 6,322 $ 6,322 Debit card and EFT fees 0 7,059 7,059 Trust fees 9,047 0 9,047 Insurance agency commissions 0 5,444 5,444 Retirement plan consulting fees 2,467 0 2,467 Investment commissions 0 1,978 1,978 Other (outside the scope of ASC 606) 0 9,544 9,544 Total noninterest income $ 11,514 $ 30,347 $ 41,861 (In Thousands of Dollars) Trust Bank Totals December 31, 2022 Service charges on deposit accounts $ 0 $ 4,716 $ 4,716 Debit card and EFT fees 0 5,814 5,814 Trust fees 8,460 0 8,460 Insurance agency commissions 0 4,402 4,402 Retirement plan consulting fees 2,567 0 2,567 Investment commissions 0 2,183 2,183 Other (outside the scope of ASC 606) 8,375 7,685 16,060 Total noninterest income $ 19,402 $ 24,800 $ 44,202 A description of the Company’s revenue streams under ASC 606 follows: Service Charges on Deposit Accounts – The Company earns fees from its deposit customers for transaction-based, account maintenance, and overdraft services. Management reviewed the deposit account agreements, and determined that the agreements can be terminated at any time by either the Bank or the account holder. Transaction fees, such as balance transfers, wires and overdraft charges are settled the day the performance obligation is satisfied. The Bank’s monthly service charges and maintenance fees are for services provided to the customer on a monthly basis and are considered a series of services that have the same pattern of transfer each month. The review of service charges assessed on deposit accounts, included the amount of variable consideration that is a part of the monthly charges. It was found that the waiver of service charges due to insufficient funds and dormant account fees is immaterial and would not require a change in the accounting treatment for these fees under the new revenue standards. Debit Card and EFT Fees – Customers and the Bank have an account agreement and maintain deposit balances with the Bank. Customers use a bank issued debit card to purchase goods and services, and the Bank earns interchange fees on those transactions, typically a percentage of the sale amount of the transaction. The Bank records the amount due when it receives the settlement from the payment network. Payments from the payment network are received and recorded into income on a daily basis. There are no contingent debit card or EFT fees recorded by the Company that could be subject to a clawback in future periods. Trust Fees – Services provided to Farmers Trust customers are a series of distinct services that have the same pattern of transfer each month. Fees for trust accounts are billed and drafted from trust accounts monthly. The Company records these fees on the income statement on a monthly basis. Fees are assessed based on the total investable assets of the customer’s trust account. A signed contract between the Company and the customer is maintained for all customer trust accounts with payment terms identified. It is probable that the fees will be collectible as funds being managed are accessible by the asset manager. Past history of trust fee income recorded by the Company indicates that it is highly unlikely that a significant reversal could occur. There are no contingent incentive fees recorded by the Company that could be subject to a clawback in future periods. Insurance Agency Commissions – Insurance agency commissions are received from insurance carriers for the agency’s share of commissions from customer premium payments. These commissions are recorded into income when checks are received from the insurance carriers, and there is no contingent portion associated with these commission checks. There may be a short time-lag in recording revenue when cash is received instead of recording the revenue when the policy is signed by the customer, but the time lag is insignificant and does not impact the revenue recognition process. Insurance also receives incentive checks from the insurance carriers for achieving specified levels of production with particular carriers. These amounts are recorded into income when a check is received, and there are no contingent amounts associated with these payments that may be clawed back by the carrier in the future. Similar to the monthly commissions explained in the preceding paragraph, there may be a short time-lag in recording incentive revenue on a cash basis as opposed to estimating the amount of incentive revenue expected to be earned, this does not materially impact the recognition of Insurance revenue. If there were any amounts that would need to be refunded for one specific Insurance customer, management believes the reversal would not be significant. Other potential situations surrounding the recognition of Farmers Insurance revenue include estimating potential refunds due to the likely cancellation of a percentage of customers canceling their policies and recording revenue at the time of policy renewals. Retirement Plan Consulting Fees – Revenue is recognized based on the level of work performed for the client. Any payments that are received for work to be performed in the future are recorded on a deferred revenue account, and recorded into income when the fees are earned. Investment Commissions – Investment commissions are earned through the sales of non-deposit investment products to customers of the Company. The sales are conducted through a third-party broker-dealer. When the commissions are received and recorded into income on the Bank’s income statement, there is no contingent portion that may need to be refunded back to the broker dealer. Other – Income items included in “Other” are Bank owned life insurance income, security gains, net gains on the sale of loans and other operating income. There was a one-time legal settlement of $ 8.4 million in 2022. Any amounts within the scope of ASC 606 are deemed immaterial.

Loan Servicing

Loan Servicing	12 Months Ended
	Dec. 31, 2024
Transfers and Servicing [Abstract]
Loan Servicing	NOTE 6 – LOAN SERVICING The Company has retained servicing rights to mortgage loans sold to both the Federal Home Loan Mortgage Corporation (FHLMC) and the Federal Home Loan Bank (FHLB) of Pittsburgh. Mortgage loans serviced for others are not reported as assets. The principal balances of these loans at year-end are as follows: 2024 2023 Mortgage loan portfolios serviced for: FHLMC $ 554,779 $ 544,140 FHLB Pittsburgh 26,063 28,405 Ending balance $ 580,842 $ 572,545 Custodial escrow balances maintained in connection with serviced loans were $ 5.3 million at December 31, 2024 and $ 4.8 million at December 31, 2023. Mortgage servicing rights are recorded on the balance sheets as other assets. Activity for mortgage servicing rights for years ended December 31, 2024, 2023 and 2022 are as follows: 2024 2023 2022 Servicing rights: Beginning balance $ 3,452 $ 3,331 $ 3,403 Additions 644 588 960 Acquired in merger 0 305 0 Amortization to expense ( 968 ) ( 735 ) ( 1,015 ) Total servicing rights before valuation allowance $ 3,128 $ 3,489 $ 3,348 Change in valuation allowance ( 35 ) ( 37 ) ( 17 ) Ending balance $ 3,093 $ 3,452 $ 3,331 Fair value at year end 2024 was determined using discount rates ranging from 9 % to 11 % and prepayment speeds ranging from 100 PSA to 870 PSA (Public Securities Association Standard Prepayment Model), depending on the stratification of the specific mortgage servicing right. Fair value at year end 2023 was determined using discount rates ranging from 9 % to 11 % and prepayment speeds ranging from 100 PSA to 418 PSA, depending on the stratification of the specific mortgage servicing right.

Fair Value

Fair Value	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Fair Value	OTE 7 – FAIR VALUE Fair value is the exchange price that would be received for an asset or paid to transfer a liability (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. There are three levels of inputs that may be used to measure fair values: Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3 – Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument: Investment Securities The Company uses a third party service to estimate fair value on available for sale securities on a monthly basis. The Company’s service provider uses a leading evaluation pricing service for U.S. domestic fixed income securities and values securities using exit pricing requirements. The Company independently corroborates the fair value received through this pricing service by obtaining the pricing through a second source. The fair values for investment securities, which consist of equity securities that are recorded at fair value to comply with exit pricing, are determined by quoted market prices in active markets, if available (Level 1). The equity securities change in fair value is recorded in the income statement. For securities where quoted prices are not available, fair values are calculated based on quoted prices for similar assets in active markets, quoted prices for similar assets in markets that are not active or inputs other than quoted prices, which provide a reasonable basis for fair value determination. Such inputs may include interest rates and yield curves, prepayment speeds, credit risks and default rates. The inputs used are principally derived from observable market data (Level 2). For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3). The fair values of Level 3 investment securities are determined by using unobservable inputs to measure fair value of assets for which there is little, if any, market activity at the measurement date, using reasonable inputs and assumptions based on the best information at the time, to the extent that inputs are available without undue cost and effort. At December 31, 2024, the Company determined that no securities had a fair value less than amortized cost that was as a result of credit deterioration as outlined in ASU 2016-13. Loans Held For Sale, at Fair Value The fair value of loans held for sale is estimated based upon binding contracts and quotes from third party investors (Level 2). Mortgage Banking Derivatives The fair value of mortgage banking derivatives are calculated using derivative valuation models that utilize quoted prices for similar assets adjusted for the specific attributes of the commitments and other observable market data at the valuation date (Level 2). Loan Servicing Rights Loan servicing rights are evaluated for impairment based upon the fair value of the rights as compared to the carrying amount at the end of each quarter. If the carrying amount of an individual tranche exceeds the fair value then an impairment is recorded on that tranche so that the servicing asset is carried at fair value. The calculation of the fair value is performed by an independent third party and the model uses factors such as the interest rate, prepayment speeds and other default rate assumptions that market participants would use in estimating the future net servicing income that can be validated against available market data (Level 2). Interest Rate Swaps The Company periodically enters into interest rate swap agreements with its commercial customers who desire a fixed rate loan term that is longer than the Company is willing to extend. The Company enters into a reciprocal swap agreement with a third party that offsets the interest rate risk from the interest rate extended to the customer. The fair value of these interest rate swap derivative instruments is calculated by an independent third party and are based upon valuation models that use observable market data as of the measurement date. (Level 2). The Company also entered into a fair value hedge to mitigate the risk of further interest rate increases and the subsequent impact on the valuation of the company’s state and political subdivision municipal bond portfolio. The Company uses an independent third party to perform a market valuation analysis for this derivative (Level 2). Collateral Dependent Loans Fair value estimates of collateral dependent loans that are individually reviewed are based on the fair value of the collateral, less estimated costs to sell. Loans carried at fair value generally received individual allocations of the allowance for credit losses in 2024 and 2023. For collateral dependent loans, fair value is commonly based on recent real estate appraisals or in quoted sales price in certain instances. 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 appraisers to adjust for differences between the comparable sales and income data available. Adjustments to a quoted price are routinely made to factor in data that affect the marketability of the collateral. Such adjustments, in both instances, are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification. These loans are evaluated on a quarterly basis and adjusted accordingly. Other Real Estate Owned Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair values are commonly based on recent real estate appraisals. These appraisals may use 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 are usually 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 owned are performed by certified general appraisers (for commercial and commercial real estate properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of the Appraisal Department 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. On an annual basis, the Company compares the actual selling price of collateral that has been sold to the most recent appraised value to determine what adjustments should be made to appraisals to arrive at fair value. Assets measured at fair value on a recurring basis are summarized below: Fair Value Measurements at December 31, 2024 Using: Carrying Quoted Prices Significant Significant Financial Assets Investment securities available-for sale U.S. Treasury and U.S. government sponsored entities $ 115,107 $ 0 115,107 $ 0 State and political subdivisions 504,880 0 504,880 0 Corporate bonds 17,448 0 16,039 1,409 Mortgage-backed securities 492,867 0 492,867 0 Collateralized mortgage obligations 133,776 0 133,776 0 Small Business Administration 2,475 0 2,475 0 Total investment securities $ 1,266,553 $ 0 $ 1,265,144 $ 1,409 Equity securities $ 277 $ 277 $ 0 $ 0 Loans held for sale 5,005 0 5,005 0 Interest rate swaps 3,766 0 3,766 0 Interest rate lock commitments 19 0 19 0 Mortgage banking derivative 17 0 17 0 Financial Liabilities Interest rate swaps $ 3,766 $ 0 $ 3,766 $ 0 Fair value hedge derivative 168 0 168 0 Fair Value Measurements at December 31, 2023 Using: Carrying Quoted Prices Significant Significant Financial Assets Investment securities available-for sale U.S. Treasury and U.S. government sponsored entities $ 127,955 $ 0 127,955 $ 0 State and political subdivisions 556,169 0 556,169 0 Corporate bonds 18,275 0 16,935 1,340 Mortgage-backed securities 520,386 0 520,386 0 Collateralized mortgage obligations 73,999 0 73,999 0 Small Business Administration 2,917 0 2,917 0 Total investment securities $ 1,299,701 $ 0 $ 1,298,361 $ 1,340 Equity securities $ 226 $ 226 $ 0 $ 0 Loans held for sale 3,711 0 3,711 0 Interest rate swaps 4,191 0 4,191 0 Interest rate lock commitments 109 0 109 0 Financial Liabilities Interest rate swaps $ 4,191 $ 0 $ 4,191 $ 0 Fair value hedge derivative 836 0 836 0 Mortgage banking derivative 14 0 14 0 There were no significant transfers between Level 1 and Level 2 during 2024 or 2023. The table below presents a reconciliation of all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31: Investment Securities Available-for-sale (Level 3) 2024 2023 2022 Beginning Balance $ 1,340 $ 1 $ 3 Transfers between levels 0 0 0 Acquired and/or purchased 0 1,600 0 Discount accretion (premium amortization) 54 48 0 Repayments, calls and maturities 15 ( 401 ) ( 2 ) Changes to unrealized gains (losses) 0 92 0 Ending Balance $ 1,409 $ 1,340 $ 1 Assets Measured on a Non-Recurring Basis Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at December 31, 2024 Using: Carrying Quoted Prices Significant Significant Financial Assets Individually Evaluated loans Commercial real estate Non-Owner occupied $ 7,286 $ 0 $ 0 $ 7,286 Commercial and industrial 2,418 0 0 2,418 1–4 family residential 1,132 0 0 1,132 Mortgage servicing rights 403 0 403 0 Fair Value Measurements at December 31, 2023 Using: Carrying Quoted Prices Significant Significant Financial Assets Individually Evaluated loans Commercial real estate Non-Owner occupied $ 838 $ 0 $ 0 $ 838 Commercial and industrial 267 0 0 267 1–4 family residential 1547 0 0 1547 The following table presents quantitative information about level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at year ended 2024 and 2023: December 31, 2024 Fair value Valuation Unobservable Range Individually Evaluated Commercial real estate $ 7,286 Income approach Adjustment for difference between cap rates of comparable sales ( 56.03 %) - 69.02 % 40.71 %) Commercial 2,418 Quoted price for collateral Offer price 6.67 % Residential 1,132 Sales comparison Adjustment for differences between comparable sales ( 8.91 %) - 6.22 % 7.16 %) December 31, 2023 Fair value Valuation Unobservable Range Individually Evaluated Commercial real estate $ 838 Income approach Adjustment for difference between cap rates of comparable sales ( 49.65 %) - 46.77 % 16.63 %) Commercial 267 Quoted price for collateral Offer price 64.38 % Residential 1,547 Sales comparison Adjustment for differences between comparable sales ( 5.39 %) - ( 2.11 %) 2.67 %) Fair Value of Financial Instruments The carrying amounts and estimated fair values of financial instruments not previously presented, at December 31, 2024 and December 31, 2023 are as follows: Fair Value Measurements at December 31, 2024 Using: Carrying Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 85,738 $ 20,426 $ 65,312 $ 0 $ 85,738 Regulatory stock 30,669 n/a n/a n/a n/a Loans, net 3,232,483 0 0 3,082,292 3,082,292 Financial liabilities Deposits 4,266,779 3,429,116 835,967 0 4,265,083 Short-term borrowings 305,000 0 305,000 0 305,000 Long-term borrowings 86,150 0 78,721 0 78,721 Fair Value Measurements at December 31, 2023 Using: Carrying Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 103,658 $ 28,896 $ 74,762 $ 0 $ 103,658 Regulatory stock 20,197 n/a n/a n/a n/a Loans, net 3,163,687 0 0 3,015,732 3,015,732 Financial liabilities Deposits 4,177,386 3,452,104 719,497 0 4,171,601 Short-term borrowings 355,000 0 355,000 0 355,000 Long-term borrowings 88,663 0 70,893 0 70,893

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Premises and Equipment	NOTE 8 – PREMISES AND EQUIPMENT Year-end premises and equipment owned and utilized in the operations of the Company were as follows: 2024 2023 Land $ 9,514 $ 10,134 Buildings 49,479 40,291 Furniture, fixtures and equipment 21,657 20,281 Leasehold Improvements 4,163 3,440 84,813 74,146 Less accumulated depreciation ( 32,539 ) ( 29,782 ) Net book value $ 52,274 $ 44,364 Depreciation expense was $ 3.1 million for year ended December 31, 2024, $ 3.4 million for the year ended December 31, 2023 and $ 2.5 million for the year ended December 31, 2022.

Leases

Leases	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Leases	NOTE 9 – LEASES The Company has operating leases for branch office locations, vehicles and certain office equipment such as printers and copiers. The leases have remaining lease terms of up to 16.6 years, some of which include options to extend the lease for up to 15 years , while other leases have the option to terminate in March of 2025 . The Beachwood branch lease located at 24755 Chagrin Blvd. was terminated effective January, 31 2025, and the Branch was moved into a new location at 22835 Chagrin Blvd on February 3, 2025. This new lease location was effective in December of 2024, with an initial right of use asset and lease liability recorded of $ 971 thousand. The right of use asset and lease liability were $ 9.7 million and $ 9.9 million as of December 31, 2024, respectively, and $ 8.8 million and $ 9.0 million as of December 31, 2023, respectively. The right of use asset is included in other assets and the lease liability is included in other liabilities on the balance sheet. Lease expense for the years ended December 31, 2024, 2023 and 2022 was $ 1.4 million, $ 1.2 million and $ 1.0 million, respectively. The weighted-average remaining lease term for all leases was 9.97 and 10.97 years as of December 31, 2024 and 2023. The weighted-average discount rate was 3.33 % and 2.99 % for all leases as of December 31, 2024 and 2023. On January 1, 2023, the Company performed a valuation of Emclaire’s leases to determine an initial right of use asset (ROU asset) and lease liability in connection with the Merger. The Company recorded and initial ROU asset and lease liability of $ 1.3 million for these leases. Maturities of lease liabilities are as follows as of December 31, 2024: 2025 $ 1,393 2026 1,279 2027 1,198 2028 1,214 2029 1,110 Thereafter 5,652 Total Payments 11,846 Less: Imputed Interest ( 1,904 ) Total $ 9,942

Goodwill and Intangible Assets

Goodwill and Intangible Assets	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangible Assets	NOTE 10 – GOODWILL AND INTANGIBLE ASSETS Goodwill associated with the Company’s purchases of Crest in December 2024, Emlenton in January 2023 and other past acquisitions totaled $ 167.5 million at December 31, 2024 and $ 167.4 million at December 31, 2023. Impairment exists when a reporting unit’s carrying value of goodwill exceeds its fair value, which is determined through an impairment test. Management performs goodwill impairment testing on an annual basis as of September 30, or whenever events or changes in circumstances indicate that the fair value of a reporting unit may be below its carrying value. As of September 30, 2024, no events or changes in circumstances indicated that the fair value of the reporting unit was below its carrying value. The Company will continue to monitor its goodwill for possible impairment. Acquired Intangible Assets Acquired intangible assets were as follows: 2024 2023 Gross Accumulated Gross Accumulated Other intangible: Customer relationship intangibles $ 7,975 $ ( 7,088 ) $ 7,210 $ ( 6,953 ) Non-compete contracts 457 ( 426 ) 457 ( 413 ) Trade Name 1,131 ( 468 ) 1,126 ( 440 ) Core deposit intangible 32,115 ( 12,946 ) 32,115 ( 10,260 ) Total $ 41,678 $ ( 20,928 ) $ 40,908 $ ( 18,066 ) Aggregate intangible amortization expense was $ 2.9 million for 2024, $ 3.4 million for 2023 and $ 2.0 million for 2022. Estimated amortization expense for each of the next five years and thereafter: 2025 $ 2,899 2026 2,798 2027 2,684 2028 2,674 2029 2,665 Thereafter 7,030 Total $ 20,750

Deposits

Deposits	12 Months Ended
	Dec. 31, 2024
Banking and Thrift, Interest [Abstract]
Deposits	NOTE 11 - DEPOSITS Following is a summary of year-end deposits: 2024 2023 Noninterest-bearing demand $ 965,507 $ 1,026,630 Interest-bearing demand 1,366,255 1,362,609 Money market 682,558 593,975 Savings 414,796 468,890 Brokered time deposits 74,951 0 Certificates of deposit 762,712 725,282 Total $ 4,266,779 $ 4,177,386 Time deposits of $ 250 thousand or more were $ 290.3 million and $ 258.2 million at year-end 2024 and 2023, respectively. Following is a summary of scheduled maturities of brokered deposits and certificates of deposit during the years following December 31, 2024: 2025 $ 790,004 2026 21,574 2027 9,018 2028 4,098 2029 6,550 Thereafter 6,419 Total $ 837,663

Short-term Borrowings

Short-term Borrowings	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Short-term Borrowings	NOTE 12 – SHORT-TERM BORROWINGS The Bank had short-term advances from the Federal Home Loan Bank ("FHLB") of $ 305.0 million at December 31, 2024 and $ 70.0 million at December 31, 2023. The interest rate on these borrowings was 4.45 % at December 31, 2024 and 5.41 % at December 31, 2023. Both of these short-term borrowings were borrowed using the FHLB's overnight repurchase advance program, as this product allows the most flexibility to meet the Bank's varying liquidity needs. These FHLB advances are secured by pledged assets which are described in the following Long-Term Borrowings footnote. In addition, at December 31, 2023 the Bank had $ 285.0 million in short-term borrowings, which were scheduled to mature in December 2024 . The interest rate on this borrowing was fixed at 4.83 %. The borrowings were secured by securities with a par value of $ 298.1 million. The Bank did not have any of these borrowings at December 31, 2024. The Bank has access to a line of credit for $ 25.0 million at a major domestic bank that is below prime rate. The line and terms are periodically reviewed by the lending bank and is generally subject to withdrawal at their discretion. There were no borrowings under this line at December 31, 2024 and 2023. Farmers has one unsecured revolving line of credit for $ 5.0 million. This line can be renewed annually and has an interest rate of prime with a floor of 3.5 %. There was no outstanding balance on this line at both December 31, 2024 and 2023.

Long-Term Borrowings

Long-Term Borrowings	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Long-Term Borrowings	NOTE 13 – LONG-TERM BORROWINGS There were no long-term advances from the FHLB at either December 31, 2024 or December 31, 2023. Long-term and short-term FHLB advances are secured by a blanket pledge of residential mortgage, commercial real estate, and multi-family loans totaling $ 1.7 billion at December 31, 2024 and $ 1.6 billion at December 31, 2023. Based on this collateral, the Bank is eligible to borrow an additional $ 549.7 million at December 31, 2024. In November 2021, the Company completed the issuance of $ 75.0 million aggregate principal amount, fixed-to-floating rate subordinated notes due December 15, 2031 , in a private offering exempt from the registration requirements under the Securities Act of 1933, as amended. The notes carry a fixed rate of 3.125 % for five years at which time they will convert to a floating rate based on the three-month term secured overnight funding rate , plus a spread of 220 basis points. The net proceeds from the sale were approximately $ 73.8 million, after deducting the offering expenses. The Company’s intent was to use the proceeds from the sale for general corporate purposes, which may include, without limitation, providing capital to support its growth organically or through acquisitions, in financing investments, capital expenditures, repurchasing its common shares and for investments in the Bank as regulatory capital. The subordinated debentures are included in Total Capital under current regulatory guidelines and interpretations. In August 2024, the Company bought back and retired $ 3 million of the outstanding subordinated notes. The Company may, at its option, beginning December 15, 2026, redeem additional portions of the notes, in whole or in part, from time to time, subject to certain conditions. On November 1, 2021 , the Company completed its acquisition of Cortland, which included the assumption of Floating Rate Junior Subordinated Debt Securities due in September 15, 2037 (the “junior subordinated debt securities”) at an acquisition-date fair value of $ 4.3 million, held in a wholly-owned statutory trust whose common securities were wholly-owned by Cortland. The sole assets of the statutory trust are the junior subordinated debt securities and related payments. The junior subordinated debt securities and the back-up obligations, in the aggregate, constitute a full and unconditional guarantee of the obligations of the statutory trust under the capital securities held by third-party investors. The securities bear interest at a rate of 1.45 % over the 3-month term Secured Overnight Financing Rate (“SOFR”) rate that includes an additional spread adjustment of 26 basis points. The rate at December 31, 2024 was 6.07 % and at December 31, 2023 the rate was 7.10 %. On January 7, 2020 , the Company completed its acquisition of Maple Leaf, which included the assumption of Floating Rate Junior Subordinated Debt Securities due December 15, 2036 (the “junior subordinated debt securities”) held in a wholly-owned statutory trust whose common securities were wholly-owned by Maple Leaf. The sole assets of the statutory trust are the junior subordinated debt securities and related payments. The junior subordinated debt securities and the back-up obligations, in the aggregate, constitute a full and unconditional guarantee of the obligations of the statutory trust under the capital securities held by third-party investors. The securities bear interest at a rate of 1.70 % over the 3-month term SOFR rate that includes an additional spread adjustment of 26 basis points. The rate at December 31, 2024 was 6.42 % and at December 31, 2023 the rate was 7.45 %. In 2015, the Company completed its acquisition of National Bancshares Corporation, which included the assumption of Floating Rate Junior Subordinated Debt Securities due June 15, 2035 (the “junior subordinated debt securities”) held in a wholly-owned statutory trust, TSEO Statutory Trust I. The sole assets of the statutory trust are the junior subordinated debt securities and related payments. The junior subordinated debt securities and the back-up obligations, in the aggregate, constitute a full and unconditional guarantee of the obligations of the statutory trust under the capital securities held by third-party investors. The securities bear interest at a rate of 1.80 % over the 3-month term SOFR rate that includes an additional spread adjustment of 26 basis points. The rate at December 31, 2024 was 6.32 % and at December 31, 2023 the rate was 7.35 %. In all three instances, the Company may redeem the junior subordinated debentures at any quarter-end, in whole, or in part, at par. This type of subordinated debenture qualifies as Tier 1 capital for regulatory purposes in determining and evaluating the Company’s capital adequacy. A summary of all junior subordinated debentures issued by the Company to affiliates and subordinated debentures follows. For the junior subordinated debentures, these amounts represent the par value of the obligations owed to these affiliates, including the Company’s equity interest in the trusts along with any unamortized fair value marks. For the subordinated debentures, these amounts represent the par value less the remaining deferred offering expense associated with the issuance of the debentures. Balances were as follows at December 31, 2024 and 2023: 2024 2023 Amount Amount TSEO Statutory Trust I $ 2,570 $ 2,521 Maple Leaf Financial Statutory Trust II 7,964 7,740 Cortland Statutory Trust I 4,437 4,382 Total junior subordinated debentures owed to unconsolidated subsidiary trusts $ 14,971 $ 14,643 Subordinated debentures 71,179 74,020 Total long-term borrowings $ 86,150 $ 88,663

Commitments and Contingent Liab

Commitments and Contingent Liabilities	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingent Liabilities	NOTE 14 – COMMITMENTS AND CONTINGENT LIABILITIES Some financial instruments, such as loan commitments, credit lines, letters of credit and overdraft protection, are issued to meet customer financing needs. These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates. Commitments may expire without being used. Off-balance-sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated. The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment. The contractual amounts of financial instruments with off-balance-sheet risk at year-end were as follows: 2024 2023 Fixed Rate Variable Rate Fixed Rate Variable Rate Commitments and unused lines of credit $ 114,603 $ 622,379 $ 150,697 $ 647,843 Commitments to make loans are generally made for periods of 30 days or less. Commitments and fixed rate unused lines of credit have interest rates ranging from 2.5 % to 21.90 % at December 31, 2024 and 2023. Commitments and fixed rate unused lines of credit have a maturity range of January 16, 2025 through May 5, 2056 as of December 31, 2024, and January 15, 2024 through May 1, 2055 as of December 31, 2023. Standby letters of credit are considered financial guarantees. The standby letters of credit have a contractual value of $ 6.4 million at December 31, 2024 and $ 6.8 million at December 31, 2023. The carrying amount of these items is not material to the balance sheet. Additionally, the Company has committed up to a $ 20.2 million subscription in SBIC investment funds. At December 31, 2024, the Company had invested $ 16.6 million in these funds.

Stock Based Compensation

Stock Based Compensation	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
Stock Based Compensation	NOTE 15 – STOCK BASED COMPENSATION In April of 2022, the Company, with the approval of shareholders, created the 2022 Equity Incentive Plan (the “2022 Plan”). The 2022 Plan permits the award of up to one million shares to the Company’s directors and employees to attract and retain exceptional personnel, motivate performance and, most importantly, to help align the interests of the Company’s executives with those of the Company’s shareholders. The 2022 Plan has replaced the 2017 Plan. There were 87,925 service time based share awards and 99,253 performance based share awards granted under the 2022 Plan during the year ended December 31, 2024, as shown in the table below. The actual number of performance based shares issued will depend on the relative performance of the Company’s average return on equity compared to a group of peer companies over a three year vesting period, ending December 31, 2026. As of December 31, 2024, 547,681 shares are still available to be awarded from the 2022 Plan. The 2017 Plan has been sunset. The restricted stock awards were granted with a fair value price equal to the market price of the Company’s common stock at the date of the grant. Expense recognized was $ 2.6 million for 2024 and 2023 and $ 1.8 million for 2022, respectively. As of December 31, 2024, there was $ 2.5 million of total unrecognized compensation expense related to the nonvested shares granted under the Plan. The remaining cost is expected to be recognized over 2.2 years. The following is the activity under the Plan during 2024: Maximum Weighted Maximum Weighted Beginning balance - non-vested shares 253,776 $ 14.97 209,484 $ 15.01 Granted 87,925 13.28 99,253 13.81 Vested ( 93,104 ) 12.79 ( 66,192 ) 13.79 Forfeited ( 17,167 ) 16.01 ( 19,625 ) 15.05 Ending balance - non-vested shares 231,430 $ 14.35 222,920 $ 14.57 The following is the activity under the Plan during 2023: Maximum Weighted Maximum Weighted Beginning balance - non-vested shares 193,015 $ 16.69 137,369 $ 15.85 Granted 105,891 10.63 102,750 14.16 Vested ( 41,401 ) 12.78 ( 30,635 ) 14.35 Forfeited ( 3,729 ) 14.65 0 0.00 Ending balance - non-vested shares 253,776 $ 14.97 209,484 $ 15.01 The 159,296 shares that vested in 2024 had a weighted average fair value of $ 13.21 per share. The total fair value of shares vested during the years ended December 31, 2024, 2023 and 2022 was $ 2.1 million, $ 969 thousand and $ 1.7 million, respectively.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Regulatory Matters	NOTE 16 – REGULATORY MATTERS Banks and bank holding companies are subject to various regulatory capital requirements administered by the federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations, involve quantitative measures of assets, liabilities, and certain off-balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can initiate regulatory action by regulators that, if undertaken, could have a direct material effect on the financial statements. The net unrealized gain or loss on available for sale securities is not included in computing of regulatory capital. Management believes that as of December 31, 2024, the Company and the Bank meet all capital adequacy requirements to which they are subject. The FDIC and other federal banking regulators revised the risk-based capital requirements applicable to financial holding companies and insured depository institutions, including the Company and the Bank, to make them consistent with agreements that were reached by the Basel Committee on Banking Supervision (“Basel III”). The common equity tier 1 capital, tier 1 capital and total capital ratios are calculated by dividing the respective capital amounts by risk-weighted assets. The leverage ratio is calculated by dividing tier 1 capital by adjusted average total assets. Basel III limits capital distributions and certain discretionary bonus payments if the banking organization does not hold a “capital conservation buffer” consisting of 2.5 % of common equity tier 1 capital, tier 1 capital and total capital to risk-weighted assets in addition to the amount necessary to meet minimum risk-based capital requirements. The capital conservation buffer is 2.5 % for the years of 2024 and 2023. The buffer requires an additional capital amount of $ 93.3 million at year-end 2024 and an additional $ 92.4 million at year-end 2023. Excluding the additional buffer, Basel III requires the Company and the Bank to maintain (i) a minimum ratio of common equity tier 1 capital to risk-weighted assets of at least 4.5 %, (ii) a minimum ratio of tier 1 capital to risk-weighted assets of at least 6.0 %, (iii) a minimum ratio of total capital to risk-weighted assets of at least 8.0 % and (iv) a minimum leverage ratio of at least 4.0 %. Prompt corrective action regulations provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized, although these terms are not used to represent overall financial condition. If only adequately capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. At year-end 2024 and 2023, the most recent regulatory notifications categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the institution’s category. Dividend Restrictions: The Company’s principal source of funds for dividend payments is dividends received from the Bank and Farmers Trust. The Bank and Farmers Trust are subject to the dividend restrictions set forth by the Comptroller of the Currency and Ohio Department of Commerce – Division of Financial Institutions, respectively. The respective regulatory agency must approve declaration of any dividends in excess of the sum of profits for the current year and retained net profits for the preceding two years. At the conclusion of 2024, the Bank could, without prior approval, declare dividends of approximately $ 83.6 million plus any 2025 net profits retained to the date of the dividend declaration. In order to practice trust powers, Farmers Trust must maintain minimum capital of $ 3 million. Farmers Trust would also be able to, without prior approval, declare dividends of $ 2.0 million plus any 2025 net profits retained to the date of the dividend declaration. Actual and required capital amounts (not including the capital conservation buffer) and ratios are presented below at year-end : Actual Requirement For Capital To be Well Capitalized Amount Ratio Amount Ratio Amount Ratio 2024 Common equity tier 1 capital ratio Consolidated $ 415,825 11.14 % $ 167,991 4.5 % N/A N/A Bank 442,747 11.88 % 167,712 4.5 % 242,251 6.5 % Total risk based capital ratio Consolidated 543,250 14.55 % 298,651 8.0 % N/A N/A Bank 480,173 12.88 % 298,155 8.0 % 372,694 10.0 % Tier I risk based capital ratio Consolidated 433,825 11.62 % 223,988 6.0 % N/A N/A Bank 442,747 11.88 % 223,616 6.0 % 298,155 8.0 % Tier I leverage ratio Consolidated 433,825 8.36 % 207,544 4.0 % N/A N/A Bank 442,747 8.55 % 207,066 4.0 % 258,832 5.0 % 2023 Common equity tier 1 capital ratio Consolidated $ 392,244 10.61 % $ 166,303 4.5 % N/A N/A Bank 411,304 11.15 % 165,996 4.5 % 239,772 6.5 % Total risk based capital ratio Consolidated 519,684 14.06 % 295,650 8.0 % N/A N/A Bank 447,584 12.13 % 295,104 8.0 % 368,881 10.0 % Tier I risk based capital ratio Consolidated 410,244 11.10 % 221,737 6.0 % N/A N/A Bank 411,304 11.15 % 221,328 6.0 % 295,104 8.0 % Tier I leverage ratio Consolidated 410,244 8.02 % 204,598 4.0 % N/A N/A Bank 411,304 8.07 % 203,989 4.0 % 254,986 5.0 %

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2024
Retirement Benefits [Abstract]
Employee Benefit Plans	NOTE 17 – EMPLOYEE BENEFIT PLANS The Company has a qualified 401(k) deferred compensation Retirement Savings Plan (the “Savings Plan”). All employees of the Company who have completed at least 90 days of service and meet certain other eligibility requirements are eligible to participate in the Savings Plan. Under the terms of the Savings Plan, employees may voluntarily defer a portion of their annual compensation pursuant to section 401(k) of the Internal Revenue Code. The Company matches 50 % of the participants’ voluntary contributions up to 6 % of gross wages. In addition, at the discretion of the Board of Directors, the Company may make an additional profit sharing contribution to the Savings Plan. Total expense was $ 1.1 million, $ 1.0 million and $ 870 thousand for the years ended December 31, 2024, 2023 and 2022, respectively. The Company has a profit sharing plan to provide associates not participating in a current incentive plan a vehicle for sharing in the success of the Company outside of existing wages and non-monetary benefits. The expense for the profit sharing program was $ 252 thousand for the year ended December 31, 2024, $ 0 for the year ended December 31, 2023 and $ 207 thousand for the year ended December 31, 2022. The Company maintains a deferred compensation plan for certain retirees. Expense under the plan was $ 4 thousand for the year ended December 31, 2024. The expense was $ 5 thousand and $ 6 thousand for the years ended December 31, 2023 and 2022, respectively. The liability under the deferred compensation plan at December 31, 2024 was $ 59 thousand and $ 71 thousand at December 31, 2023. The Company has a nonqualified deferred compensation plan for a select group of management or highly compensated, eligible individuals. Under the terms of the plan, eligible individuals may elect to defer receipt of their compensation to a later taxable year. The Company has recorded both an asset and liability of equal amount that represents the amount of contributions and the payable due to the participants in the plan. The recorded asset and liability was $ 4.2 million and $ 3.4 million for the years ended December 31, 2024 and 2023, respectively. As part of the NBOH acquisition the Company has a director retirement and death benefit plan for the benefit of prior members of the Board of Directors of NBOH. The plan is designed to provide an annual retirement benefit to be paid to each director upon retirement from the Board and attaining age 70 . There are no additional benefits or participants being added to the plan and the liability recorded at December 31, 2024 and 2023 was $ 742 thousand and $ 751 thousand, respectively. The benefit payment upon satisfying the plan’s requirements is a benefit to the qualifying director until death or a maximum of 15 years. An expense under the plan of $ 60 thousand and $ 36 thousand was recorded in 2024 and 2023, respectively. A benefit was recognized under this plan of $ 105 thousand in 2022. As part of the Cortland acquisition, the Company has supplemental retirement benefit plans for the benefit of certain officers and non-officer directors. The plan for officers is designed to provide post-retirement benefits to supplement other sources of retirement income such as social security and 401(k) benefits. The benefits will be paid for a period of 15 years after retirement. Director Retirement Agreements provide for a benefit of $ 10 thousand annually on, or after, the director reaches normal retirement age, which is based on a combination of age and years of service. Director retirement benefits are paid over a period of 10 years following retirement. The Company accrued the cost of these post-retirement benefits during the working careers of the officers and directors. At December 31, 2024, the accumulated liability for these benefits totaled $ 972 thousand, with $ 818 thousand accrued for the officers’ plan and $ 154 thousand for the directors’ plan. At December 31, 2023, the accumulated liability for these benefits totaled $ 1.0 million, with $ 870 thousand accrued for the officers’ plan and $ 148 thousand for the directors’ plan. Expense recognized for these plans was $ 36 thousand in 2024, $ 37 thousand in 2023 and $ 87 thousand in 2022. Benefits expected to be paid in 2025 are $ 81 thousand. To fund the above obligations, the Company has insurance contracts on the lives of the participants and directors in the supplemental retirement benefit plans with the Company as the beneficiary. In the case of directors and a small group of employee participants, postretirement split dollar life insurance coverage was accrued for during the service years. The liability at December 31, 2024 and 2023 was $ 222 thousand and $ 231 thousand, respectively. The benefit recorded was $ 9 thousand in 2024, $ 7 thousand in 2023 and $ 5 thousand in 2022. As part of the Emclaire acquisition, the Company maintains a SERP to provide certain additional retirement benefits to participating officers. The SERP is subject to certain vesting provisions and provides that the officers shall receive a supplemental retirement benefit if the officer’s employment is terminated after reaching the normal retirement age of 65, with benefits also payable upon death, disability, a change of control or a termination of employment prior to normal re tirement age. At December 31, 2024, the accumulated liability for these plans totaled $ 807 thousand. At December 31, 2023, the accumulated liability for these plans totaled $ 846 thousand. Expenses recognized for these plans was $ 23 thousand in 2024 and in 2023 the benefit recognized on these plans was $ 37 thousand. Benefits expected to be paid in 2025 are $ 62 thousand.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Income Taxes	NOTE 18 – INCOME TAXES The provision for income taxes (credit) consists of the following: 2024 2023 2022 Current expense $ 7,089 $ 9,230 $ 10,885 Deferred expense (benefit) 2,389 ( 464 ) 1,353 Totals $ 9,478 $ 8,766 $ 12,238 Effective tax rates differ from the federal statutory rate of 21 % that were applied to income before income taxes due to the following: 2024 2023 2022 Statutory tax $ 11,640 $ 12,327 $ 15,295 Effect of nontaxable interest ( 1,771 ) ( 2,040 ) ( 2,591 ) Bank owned life insurance, net ( 558 ) ( 513 ) ( 380 ) Tax credit investments ( 565 ) ( 366 ) ( 194 ) Effect of nontaxable insurance premiums 0 ( 404 ) ( 318 ) Stock compensation 28 41 ( 63 ) Other 704 ( 279 ) 489 Actual tax $ 9,478 $ 8,766 $ 12,238 Deferred tax assets (liabilities) are comprised of the following: 2024 2023 Deferred tax assets: Allowance for credit losses $ 7,548 $ 7,235 Net unrealized loss on securities available for sale 51,267 45,599 Net unrealized loss on swap derivative 107 269 Basis in investment securities 6,551 6,976 Purchase accounting adjustments 2,797 4,147 Deferred and accrued compensation 2,310 2,060 Nonaccrual loan interest income 358 659 Restricted stock 856 795 Lease liabilities 2,340 2,164 Other 0 198 Gross deferred tax assets $ 74,134 $ 70,102 Deferred tax liabilities: Depreciation and amortization $ ( 1,738 ) $ ( 1,701 ) Mortgage servicing rights ( 651 ) ( 725 ) Prepaid expenses ( 45 ) ( 41 ) Lease right of use asset ( 2,281 ) ( 2,116 ) Other ( 783 ) 0 Gross deferred tax liabilities ( 5,498 ) ( 4,583 ) Net deferred tax asset $ 68,636 $ 65,519 No valuation allowance for deferred tax assets was recorded at December 31, 2024 and 2023. At December 31, 2024 and December 31, 2023, the Company had no unrecognized tax benefits recorded. The Company does not expect the amount of unrecognized tax benefits to significantly change within the next twelve months. The Company is subject to U.S. federal income tax. The Company is no longer subject to examination by the federal taxing authority for years prior to 2021. The tax years 2021—2023 remain open to examination by the U.S. taxing authority.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2024
Comprehensive Income (Loss), Net of Tax, Attributable to Parent [Abstract]
Accumulated Other Comprehensive Income (Loss)	NOTE 19 – ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The following table represents the changes in accumulated other comprehensive income (loss) by component, net of tax, for the years ended December 31, 2024 and 2023. Net unrealized Reclassification Change in Total December 31, 2024 Beginning balance $ ( 171,539 ) $ ( 1,013 ) $ ( 2 ) $ ( 172,554 ) Other comprehensive (loss) before reclassification ( 23,439 ) 0 0 ( 23,439 ) Amounts reclassified from accumulated other comprehensive income 2,118 610 0 2,728 Net current period other comprehensive (loss) income ( 21,321 ) 610 0 ( 20,711 ) Ending balance $ ( 192,860 ) $ ( 403 ) $ ( 2 ) $ ( 193,265 ) December 31, 2023 Beginning balance $ ( 210,489 ) $ 0 $ ( 1 ) $ ( 210,490 ) Other comprehensive income (loss) before reclassification 38,557 0 ( 1 ) 38,556 Amounts reclassified from accumulated other comprehensive income (loss) 393 ( 1,013 ) 0 ( 620 ) Net current period other comprehensive income (loss) 38,950 ( 1,013 ) ( 1 ) 37,936 Ending balance $ ( 171,539 ) $ ( 1,013 ) $ ( 2 ) $ ( 172,554 ) Amounts reclassified out of each component of accumulated other comprehensive income (loss) were not material for the years ended December 31, 2024, 2023, and 2022.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2024
Related Party Transactions [Abstract]
Related Party Transactions	NOTE 20 – RELATED PARTY TRANSACTIONS Loans to principal officers, directors, and their affiliates during 2024 and 2023 were as follows: 2024 2023 Beginning balance $ 12,954 $ 10,491 New loans 23,250 4,404 Repayments ( 2,754 ) ( 1,941 ) Ending balance $ 33,450 $ 12,954 Deposits from principal officers, directors, and their affiliates at year-end 2024 and 2023 were $ 13.6 million and $ 13.4 million.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Earnings Per Share	NOTE 21 – EARNINGS PER SHARE The factors used in the earnings per share computation follow: 2024 2023 2022 Basic EPS Net income $ 45,949 $ 49,932 $ 60,597 Weighted average shares outstanding 37,327,848 37,384,122 33,844,945 Basic earnings per share $ 1.23 $ 1.34 $ 1.79 Diluted EPS Net income $ 45,949 $ 49,932 $ 60,597 Weighted average shares for basic earnings per share 37,327,848 37,384,122 33,844,945 Average unvested restricted stock awards 184,037 114,147 83,994 Weighted average shares for diluted earnings per share 37,511,885 37,498,269 33,928,939 Diluted earnings per share $ 1.22 $ 1.33 $ 1.79 There were 41,884 , 194,599 and 201,080 restricted stock awards that were considered anti-dilutive at year-end 2024, 2023 and 2022, respectively.

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	NOTE 22 – DERIVATIVE FINANCIAL INSTRUMENTS Interest Rate Swaps The Company maintains an interest rate protection program for commercial loan customers. Under this program, the Company provides a variable rate loan while creating a fixed rate loan for the customer by the customer entering into an interest rate swap with terms that match the loan. The Company offsets its risk exposure by entering into an offsetting interest rate swap with an unaffiliated institution. The Company had interest rate swaps associated with commercial loans with a notional v alue of $ 65.7 million and fair value of $ 3.8 million in other assets and $ 3.8 million in other liabilities at December 31, 2024. At December 31, 2023 the Company had interest rate swaps associated with commercial loans with a notional value of $ 63.9 million and fair value of $ 4.2 million in other assets and $ 4.2 million in other liabilities. The interest rate swaps with both the customers and third parties are not designated as hedges under FASB ASC 815. As the interest rate swaps are structured to offset each other, changes to the underlying benchmark interest rates considered in the valuation of these instruments do not result in an impact to earnings; however, there may be fair value adjustments related to credit quality variations between counterparties, which may impact earnings as required by FASB ASC 820. There were no net gains or losses for interest rate swaps for the years ended December 31, 2024 and 2023. Interest Rate Swap Designated as a Fair Value Hedge The Company has one interest rate swap with a notional amount of $ 100.0 million that was in place for both of the years ended December 31, 2024 and 2023. This swap is designated as a fair value hedge to mitigate the risk of further interest rate increases and the subsequent impact on the valuation of the company’s state and political subdivision municipal bond portfolio. The gross aggre gate fair value of the swap at December 31, 2024 was $( 168 ) thousand and is recorded as a $ 418 thousand mark to market adjustment in other liabilities, and $ 250 thousand recorded to other assets for the accrued interest receivable in the Consolidated Balance Sheets. At December 31, 2023, the gross aggregate fair value of the swap of $( 836 ) thousand was recorded as a $ 1.3 million mark to market adjustment in other liabilities, and $ 425 thousand recorded to other assets for the accrued interest receivable. The Company expects the hedge to remain in effect for the remaining term of the swap, which matures August 2026. A summary of the interest rate swap designated as a fair value hedge is presented below: December 31, 2024 December 31, 2023 Notional amount fair value hedge $ 100,000 $ 100,000 Fixed pay rates 4.35 % 4.35 % Variable SOFR receive rates 4.49 % 5.38 % Remaining maturity (in years) 1.6 2.6 Fair value $ ( 168 ) $ ( 836 ) Mortgage Banking Derivatives Commitments to fund certain mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of mortgage loans to third-party investors are considered derivatives. The Company enters into forward commitments for the future delivery of residential mortgage loans when the interest rate lock commitments are entered into in order to economically hedge the effect of changes in interest rates resulting from its commitments to fund the loans. These mortgage banking derivatives are not designated in hedge relationships. The net gains (losses) relating to non-designated derivative instruments used for risk management are included in Net Gains on Sale of Loans on the Consolidated Statements of Income and are summarized below for the years ended December 31: 2024 2023 2022 Forward sales contracts $ 31 $ ( 45 ) $ 362 Interest rate lock commitments ( 89 ) 87 21 The following table reflects the amount and fair value of mortgage banking derivatives included in the Consolidated Balance Sheets as on December 31: 2024 2023 Notional Fair Notional Fair Amount Value Amount Value Included in other assets: Forward sales contracts $ 6,500 $ 17 $ 0 $ 0 Interest rate lock commitments 4,896 19 7,400 109 Total included in other assets $ 11,396 $ 36 $ 7,400 $ 109 Included in other liabilities: Forward sales contracts $ 0 $ 0 $ 3,300 $ ( 14 )

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Segment Information	NOTE 23 – SEGMENT INFORMATION The Company's reportable segments are determined by the Chief Financial Officer , who is the designated chief operating decision maker, based upon information provided about the Company's products and services offered, primarily distinguished between the banking and trust operations. The segments are also distinguished by the level of information provided to the chief operating decision maker, who uses such information to review performance of various components of the business, which are then aggregated if operating performance, products/services, and customers are similar. The chief operating decision maker uses revenue streams to evaluate product pricing and significant expenses to assess performance of each segment to evaluate compensation of certain employees. Segment pretax profit is used to assess the performance of the banking segment by monitoring the net interest margin and non-interest expenses. Segment pretax profit is also used to assess the performance of the trust segment by monitoring trust service fees, retirement plan consulting fees and non-interest expenses. Loans and investments provide the significant revenues in the banking operation, while trust service fees and retirement plan consulting fees provide the significant revenues in trust operations. Interest expense, provisions for credit losses and payroll provide the significant expenses in the banking operation, while payroll provides the significant expense in the trust segment. All operations are domestic. Accounting policies for segments are the same as those described in Note 1. Income taxes are calculated on operating income. Transactions among segments are made at fair value. Significant segment totals are reconciled to the financial statements as follows: December 31, 2024 Trust Bank Consolidated Segment Total assets for reportable segments $ 17,204 $ 5,104,012 $ 5,121,216 Eliminations and other ( 2,292 ) Total consolidated assets $ 5,118,924 December 31, 2023 Trust Bank Consolidated Segment Total assets for reportable segments $ 15,845 $ 5,065,150 $ 5,080,995 Eliminations and other ( 2,645 ) Total consolidated assets $ 5,078,350 For year ended 2024 Trust Bank Consolidated Segment Interest income - loans including fees $ 0 $ 185,710 $ 185,710 Interest income - investments 0 36,675 36,675 Trust fees 10,099 0 10,099 Retirement plan consulting fees 2,637 0 2,637 Total consolidated segment revenues 12,736 222,385 235,121 Reconciliation of revenue Other revenues 34,327 Total consolidated revenues $ 269,448 Interest expense - deposits 0 81,169 81,169 Interest expense - borrowings 0 18,195 18,195 Provision for credit losses and unfunded loans 0 7,966 7,966 Payroll expenses 5,398 53,467 58,865 Total consolidated segment expenses 5,398 160,797 166,195 Segment profit 7,338 61,588 68,926 Reconciliation of expenses Other expenses * 47,826 Total consolidated expenses $ 214,021 Total consolidated income before taxes $ 55,427 Other segment disclosures Occupancy and equipment $ 528 $ 15,020 $ 15,548 Intangible amortization $ 48 $ 2,813 $ 2,861 For year ended 2023 Trust Bank Consolidated Segment Interest income - loans including fees $ 0 $ 171,808 $ 171,808 Interest income - investments 0 36,869 36,869 Trust fees 9,047 0 9,047 Retirement plan consulting fees 2,467 0 2,467 Total consolidated segment revenues 11,514 208,677 220,191 Reconciliation of revenue Other revenues 35,005 Total consolidated revenues $ 255,196 Interest expense - deposits 0 63,106 63,106 Interest expense - borrowings 0 12,443 12,443 Provision for credit losses and unfunded loans 0 9,153 9,153 Payroll expenses 4,950 52,351 57,301 Total consolidated segment expenses 4,950 137,053 142,003 Segment profit 6,564 71,624 78,188 Reconciliation of expenses Other expenses * 54,495 Total consolidated expenses $ 196,498 Total consolidated income before taxes $ 58,698 Other segment disclosures Occupancy and equipment $ 434 $ 14,973 $ 15,407 Intangible amortization $ 60 $ 3,374 $ 3,434 For year ended 2022 Trust Bank Consolidated Segment Interest income - loans including fees $ 0 $ 107,790 $ 107,790 Interest income - investments 0 32,565 32,565 Trust fees 8,460 0 8,460 Retirement plan consulting fees 2,567 0 2,567 Total consolidated segment revenues 11,027 140,355 151,382 Reconciliation of revenue Other revenues 34,906 Total consolidated revenues $ 186,288 Interest expense - deposits 0 13,085 13,085 Interest expense - borrowings 0 4,835 4,835 Provision for credit losses and unfunded loans 0 1,122 1,122 Payroll expenses 4,746 39,913 44,659 Total consolidated segment expenses 4,746 58,955 63,701 Segment profit 6,281 81,400 87,681 Reconciliation of expenses Other expenses * 49,752 Total consolidated expenses $ 113,453 Total consolidated income before taxes $ 72,835 Other segment disclosures Occupancy and equipment $ 416 $ 10,941 $ 11,357 Intangible amortization $ 75 $ 1,898 $ 1,973 * Includes occupancy expenses, FDIC insurance, state and local taxes, professional fees, merger costs, advertising, intangible amortization, core processing charges, charitable donations and other operating expenses. Bank segment includes Farmers Insurance and Investment.

Parent Company Only Condensed F

Parent Company Only Condensed Financial Information	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
Parent Company Only Condensed Financial Information	NOTE 24 – PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION Below is condensed financial information of Farmers National Banc Corp. (parent company only). This information should be read in conjunction with the consolidated financial statements and related notes. December 31, 2024 2023 BALANCE SHEETS Assets: Cash $ 46,011 $ 57,071 Investment in subsidiaries Bank 432,271 424,393 Farmers Trust 15,131 13,431 Captive 0 0 Other investments 306 424 Total assets $ 493,719 $ 495,319 Liabilities: Other liabilities $ 1,541 $ 2,241 Subordinated debt 86,150 88,663 Total liabilities 87,691 90,904 Total stockholders' equity 406,028 404,415 Total liabilities and stockholders' equity $ 493,719 $ 495,319 STATEMENTS OF INCOME Years ended December 31, 2024 2023 2022 Income: Dividends from subsidiaries Bank $ 20,000 $ 20,000 $ 30,000 Farmers Trust 3,000 4,000 8,000 Captive Insurance 0 0 1,400 Gain on debt extinguishment 444 0 0 Interest and dividends on securities 0 44 0 Total Income 23,444 24,044 39,400 Interest on borrowings 4,090 4,086 3,428 Other expenses 3,418 4,109 3,451 Income before income tax benefit and undistributed 15,936 15,849 32,521 Income tax benefit 1,475 1,624 1,345 Equity in undistributed net income of subsidiaries Bank 26,837 30,848 25,935 Farmers Trust 1,701 ( 320 ) 662 Captive 0 1,931 134 Net Income $ 45,949 $ 49,932 $ 60,597 Comprehensive Income $ 25,238 $ 87,868 $ ( 159,188 ) STATEMENTS OF CASH FLOWS Years ended December 31, 2024 2023 2022 Cash flows from operating activities: Net income $ 45,949 $ 49,932 $ 60,597 Adjustments to reconcile net income to net cash from Dividends in excess of net income (Equity in ( 28,538 ) ( 32,459 ) ( 26,731 ) (Gain) on debt extinguishment ( 444 ) 0 0 Other ( 104 ) 5,481 559 Net cash from operating activities 16,863 22,954 34,425 Cash flows from investing activities: Net cash paid in business combinations 0 ( 33,440 ) 0 Net cash from investing activities 0 ( 33,440 ) 0 Cash flows from financing activities: Repurchase of common shares 0 ( 11,544 ) 0 Redemption of subordinated debentures ( 2,535 ) 0 0 Cash dividends paid ( 25,388 ) ( 25,396 ) ( 22,004 ) Net cash from financing activities ( 27,923 ) ( 36,940 ) ( 22,004 ) Net change in cash and cash equivalents ( 11,060 ) ( 47,426 ) 12,421 Beginning cash and cash equivalents 57,071 104,497 92,076 Ending cash and cash equivalents $ 46,011 $ 57,071 $ 104,497

Qualified Affordable Housing Pr

Qualified Affordable Housing Project Investments	12 Months Ended
	Dec. 31, 2024
Investment Program, Proportional Amortization Method, Elected [Line Items]
Qualified Affordable Housing Project Investments	NOTE 25 – QUALIFIED AFFORDABLE HOUSING PROJECT INVESTMENTS The Company invests in qualified affordable housing projects. At December 31, 2024 and 2023, the balance of the investment for qualified affordable housing projects was $ 22.0 million and $ 17.9 million. Total unfunded commitments related to the investments in qualified affordable housing projects totaled $ 13.9 million and $ 12.3 million at December 31, 2024 and 2023. The Company expects to fulfill these commitments during the year ending 2038. During the years ended December 31, 2024 and 2023, the Company recognized amortization expense of $ 1.9 million and $ 1.7 million, respectively, which was included within income tax expense on the consolidated statements of income. Additionally, during the years ended December 31, 2024 and 2023, the Company recognized tax credits and other benefits from its investment in affordable housing tax credits of $ 2.3 million and $ 2.2 million, respectively. The qualified affordable housing investment credits are included in the net changes in other assets and liabilities in the cash flows from operating activities in the consolidated statements of cash flows. During the years ended December 31, 2024 and 2023, the Company did no t incur impairment losses related to its investment in affordable housing tax credits.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation: The consolidated financial statements include the accounts of Farmers National Banc Corp. (“Company”) and its wholly-owned subsidiaries, The Farmers National Bank of Canfield (“Bank” or “Farmers Bank”), Farmers Trust Company (“Farmers Trust”) and Farmers National Captive, Inc. (“Captive”). Captive was a wholly-owned insurance subsidiary of the Company that provided property and casualty insurance coverage to the Company and its subsidiaries until November 2023 when the Company dissolved the entity. The consolidated financial statements also include the accounts of the Bank’s subsidiaries; Farmers National Insurance, LLC (“Farmers Insurance”) and Farmers of Canfield Investment Co. (“Farmers Investments”). The Company completed its acquisition of Emclaire Financial Corp., (“Emclaire”) on January 1, 2023 and has since included its results of operations in the Consolidated Statements of Income. Together all entities are referred to as “the Company.” All significant intercompany balances and transactions have been eliminated in consolidation.
Nature of Operations	Nature of Operations: The Company provides full banking services, including wealth management services and mortgage banking activity, through the Bank. As a national bank, the Bank is subject to regulation by the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation. The primary area served by the Bank is the northeastern region of Ohio and the western region of Pennsylvania, through sixty-two ( 62 ) locations. The Company provides trust services and retirement consulting services through its Farmers Trust subsidiary and insurance services through the Bank’s Insurance subsidiary. Farmers Trust has a state-chartered bank license to conduct trust business from the Ohio Department of Commerce – Division of Financial Institutions. The primary purpose of Farmers Investments is to invest in municipal securities. On November 20, 2023 the Captive entity was dissolved. Captive pooled resources with eleven similar insurance subsidiaries of financial institutions to spread a limited amount of risk among the pool members and to provide insurance where not available or economically feasible.
Estimates	Estimates: The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.
Business Combinations	Business Combinations: Business combinations are accounted for by applying the acquisition method. As of acquisition date, the identifiable assets acquired and liabilities assumed are measured at fair value and recognized separately from goodwill. Results of operations of the acquired entities are included in the consolidated statement of income from the date of acquisition.
Cash Flows	Cash Flows: Cash and cash equivalents include cash on hand, deposits with other financial institutions with maturities fewer than ninety (90) days, and federal funds sold. Generally, federal funds are purchased and sold for one-day periods. Net cash flows are reported for loan and deposit transactions, short-term borrowings and other assets and liabilities.
Securities	Securities: Debt securities classified as available for sale are those that could be sold for liquidity, investment management, or similar reasons, even though management has no present intentions to do so. Securities available for sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income, net of tax. Equity securities with readily determinable fair values are carried at fair value, with changes in fair value reported in net income. Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level-yield method without anticipating prepayments, except for mortgage backed securities where prepayments are anticipated. Premiums are amortized to the earliest call date. Purchases and sales are recorded on the trade date, with resulting gains and losses determined using the specific identification method. A debt security is placed on non-accrual status at the time any principal or interest payments become 90 days delinquent. Interest accrued but not received for a security placed on non-accrual is reversed against income. For available-for-sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or it is more likely than not that it 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 debt securities available-for-sale that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to 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, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Changes in the allowance for credit losses are recorded as credit loss expense. Losses are charged against the allowance when management believes the uncollectibility of an available-for-sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. As of December 31, 2024 the Company has not recorded an allowance for credit losses on available-for-sale securities.
Loans Held for Sale	Loans Held for Sale: Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors. Mortgage loans held for sale are sold with or without servicing rights. Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold.
Loans	Loans: Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of deferred loan fees and costs, and an allowance for credit losses. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level yield method without anticipating prepayments. Interest income on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the loan is well secured and in process of collection. Consumer loans are typically charged off no later than 120 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually evaluated loans. For all classes of loans, when interest accruals are discontinued, interest accrued but not received is reversed against interest income. Interest on such loans is thereafter recorded on a cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Purchased Credit Deteriorated Loans (PCD)	Purchased Credit Deteriorated Loans (PCD): The Company acquires loans individually and in groups or portfolios. At acquisition, the Company reviews each loan to determine whether there is evidence of more than insignificant deterioration of credit quality since origination. Loans having an aggregate commitment of $ 250 thousand or greater and exhibiting the following characteristics have evidence of more than insignificant deterioration. • The loan is 30 days past due or greater as of the acquisition date. • The loan originated as a pass rated credit and has since been downgraded to a criticized or classified credit as of the acquisition date. • The loan has a non-accrual status as of the acquisition date. PCD loans are recorded at fair value. An allowance for credit losses ("ACL") is determined using the same methodology as other loans held for investment. The sum of the purchase price and ACL becomes its initial amortized cost basis. The difference between the initial amortized cost basis and par value of the loan is a noncredit discount or premium which is amortized into interest income over the life of the loan. These loans are assessed on a regular basis and subsequent adjustments to the ACL are recorded on the statements of income.
Derivatives	Derivatives: Derivative financial instruments are recognized as assets or liabilities at fair value. The Company’s derivatives are interest-rate swaps for certain commercial loan customers, mortgage banking derivatives and interest rate fair value hedges associated with the state and political subdivision municipal bond portfolio. These are used as part of the Company's asset and liability management strategy to aid in managing its interest rate risk position. The Company uses derivatives for balance sheet hedging purposes.
Concentration of Credit Risk	Concentration of Credit Risk: There are no significant concentrations of loans to any one industry or customer. However, most of the Company’s business activity is with customers located within Northeastern Ohio and Western Pennsylvania. Therefore, the Company’s exposure to credit risk is significantly affected by changes in the economy of an nineteen county area. Loans secured by real estate represent 73.2 % of the total portfolio and changes related to the real estate markets are monitored by management.
Allowance for Loan Losses	Allowance for Credit Losses: The Company uses the current expected credit loss model (“CECL”). This methodology for calculating the allowance for credit losses considers the expected loss over the life of the loan. It also considers historical loss rates and other qualitative adjustments, as well as a forward-looking component that considers reasonable and supportable forecasts over the expected life of each loan. To develop the ACL estimate under the current expected loss model, the Company segments the loan portfolio into loan pools based on loan type and similar credit risk elements. The Company uses the cohort (“cohort”) and the probability of default/loss given default (“PD/LGD”) methodologies as described in the Credit Quality Indicators section of the loan footnote. Under ASC 326, if a loan does not share similar risk characteristics with loans in that pool, expected credit losses for that loan are evaluated individually. The Company has established specific thresholds for the loan portfolio that trigger when loans need to be evaluated individually. Including but not limited to commercial loans with an aggregate book balance of $ 500 thousand or greater, or consumer loans with book balance of $ 250 thousand or greater in which their payment of contractual principal balance and or interest is in doubt (nonaccrual status). In addition, ASC 326 requires the Company to establish a separate liability for anticipated credit losses for unfunded commitments. Under CECL the credit loss estimation process involves procedures that consider the unique characteristics of the Company’s loan portfolio segments. These segments are disaggregated into the loan pools for monitoring. A model of risk characteristics, such as loss history and delinquency experience, trends in past due and non-performing loans, as well as existing economic conditions and supportable forecasts are used to determine credit loss assumptions. The allowance for credit losses is measured on a collective (pool) basis when similar risk characteristics exist. The Company has identified the following portfolio segments and measures the ACL using the following methods: Commercial Real Estate Owner-Occupied, nonfarm nonresidential properties – The Company originates mortgage loans to operating companies primarily in the northeastern region of Ohio and western region of Pennsylvania. Owner-occupied real estate properties primarily include retail buildings, medical buildings and industrial/warehouse space. Owner-occupied loans are typically repaid first by the cash flows generated by the borrower’s business operations. The primary risk characteristics are specific to the underlying business and its ability to generate sustainable profitability and positive cash flow. Factors that may influence a borrower's ability to repay their loan include demand for the business’ products or services, the quality and depth of management, the degree of competition, regulatory changes, and general economic conditions. Commercial Real Estate Non-Owner Occupied, nonfarm nonresidential properties – The Company originates mortgage loans for commercial real estate that is managed as an investment property primarily in the northeastern region of Ohio and western region of Pennsylvania. Commercial real estate properties primarily include retail buildings/shopping centers, hotels, office/medical buildings and industrial/warehouse space. Increases in vacancy rates, interest rates or other changes in general economic conditions can have an impact on the borrower and its ability to repay the loan. Commercial real estate loans are generally considered to have a higher degree of credit risk as they may be dependent on the ongoing success and operating viability of a fewer number of tenants who are occupying the property and who may have a greater degree of exposure to economic conditions. Farmland (including farm residential and other improvements) – The Company originates loans secured by farmland and improvements thereon, secured by mortgages. Farmland includes all land known to be used or usable for agricultural purposes, such as crop and livestock production. Farmland also includes grazing or pasture land, whether tillable or not and whether wooded or not. The primary risk characteristics are specific to the uncertainty on production, market, financial, environmental and human resources. Commercial Real Estate Other – The Company originates mortgage loans for multifamily properties primarily in the northeastern region of Ohio and western region of Pennsylvania and construction loans to finance land development preparatory to erecting new structures or the on-site construction of industrial, commercial, or multi-family buildings. Multifamily loans are expected to be repaid from the cash flows of the underlying property so the collective amount of rents must be sufficient to cover all operating expenses, property management and maintenance, taxes and debt service. Increases in vacancy rates, interest rates or other changes in general economic conditions can have an impact on the borrower and its ability to repay the loan. Construction loans include not only construction of new structures, but also additions or alterations to existing structures and the demolition of existing structures to make way for new structures. Construction loans are generally secured by real estate. The primary risk characteristics are specific to the uncertainty on whether the construction will be completed according to the specifications and schedules. Factors that may influence the completion of construction may be customer specific, such as the quality and depth of property management, or related to changes in general economic conditions. Commercial and Industrial – The Company originates lines of credit and term loans to operating companies for business purposes. The loans are generally secured by business assets such as accounts receivable, inventory, business vehicles and equipment. Commercial and Industrial loans are typically repaid first by the cash flows generated by the borrower’s business operations. The primary risk characteristics are specific to the underlying business and its ability to generate sustainable profitability and positive cash flow. Factors that may influence a borrower's ability to repay their loan include demand for the business’ products or services, the quality and depth of management, the degree of competition, regulatory changes, and general economic conditions. The ability of the Company to foreclose and realize sufficient value from business assets securing these loans is often uncertain. To mitigate the risk characteristics of commercial and industrial loans, commercial real estate may be included as a secondary source of collateral. The Company will often require more frequent reporting requirements from the borrower in order to better monitor its business performance. The Company also originates various types of loans made directly to municipalities and nonprofit organizations. These loans are repaid through general cash flows or through specific revenue streams and charitable contributions. The primary risk characteristics associated with municipal loans are the municipality's or nonprofit’s ability to manage cash flow, balance the fiscal budget, fixed asset and infrastructure requirements. Additional risks include changes in demographics, as well as social and political conditions. Agricultural Production – The Company originates loans secured or unsecured to farm owners and operators for the purpose of financing agricultural production, including the growing and storing of crops, the marketing or carrying of agricultural products by the growers thereof, and the breeding, raising, fattening, or marketing of livestock, and for purchases of farm machinery, equipment, and implements. The primary risk characteristics are specific to the uncertainty on production, market, financial, environmental and human resources. 1-4 Family Residential Real Estate – The Company originates 1-4 family residential mortgage and construction loans primarily within the northeastern region of Ohio and western region of Pennsylvania. These loans are secured by first or second liens on a primary residence or investment property. The primary risk characteristics associated with residential mortgage loans typically involve major changes to the borrower, including unemployment or other loss of income; unexpected significant expenses, such as medical expenses, catastrophic events, divorce or death. Residential mortgage loans that have adjustable rates could expose the borrower to higher payments in a rising rate environment. Real estate values could decrease and cause the value of the underlying property to fall below the loan amount, creating additional potential loss exposure for the Company. Residential construction loans are exposed to uncertainty on whether the construction will be completed according to the specifications and schedules. Factors that may influence the completion of construction may be customer specific, or related to changes in general economic conditions. Home Equity Lines of Credit – The primary risk characteristics associated with home equity lines of credit typically involve changes to the borrower, including unemployment or other loss of income; unexpected significant expenses, such as major medical expenses, catastrophic events, divorce and death. Home equity lines of credit are typically originated with variable or floating interest rates, which could expose the borrower to higher payments in a rising interest rate environment. Real estate values could decrease and cause the value of the underlying property to fall below the loan amount, creating additional potential loss exposure for the Company. Indirect Loans – The Company originates consumer loans extended for the purpose of purchasing new and used passenger cars and other vehicles such as minivans, vans, sport-utility vehicles, pickup trucks, recreational vehicles, and motorcycles for personal use. The primary risk characteristics associated with automobile loans typically involve major changes to the borrower, including unemployment or other loss of income, unexpected significant expenses, such as for major medical expenses, catastrophic events, divorce or death. Consumer Direct – The Company originates loans to individuals for household, family, and other personal expenditures. Consumer loans generally have higher interest rates and shorter terms than residential loans but tend to have higher credit risk due to the type of collateral securing the loan or in some cases the absence of collateral. The primary risk characteristics associated with other consumer loans typically involve major changes to the borrower, including unemployment or other loss of income, unexpected significant expenses, such as for major medical expenses, catastrophic events, divorce or death. Consumer Other – The Company originates lines of credit to individuals for household, family, and other personal expenditures. Consumer loans generally have higher interest rates and shorter terms than residential loans but tend to have higher credit risk due to the type of collateral securing the loan or in some cases the absence of collateral. The primary risk characteristics associated with other revolving loans typically involve major changes to the borrower, including unemployment or other loss of income, unexpected significant expenses, such as for major medical expenses, catastrophic events, divorce or death. The Company uses two methodologies, the cohort and the PD/LGD, to analyze loan pools. Cohort relies on the creation of cohorts to capture loans that qualify for a particular segment, as of a point in time. Those loans are then tracked over their remaining lives to determine their loss experience. The Company aggregates financial assets on the basis of similar risk characteristics when evaluating loans on a collective basis. Those characteristics include, but aren’t limited to, internal or external credit score, risk ratings, financial asset, loan type, collateral type, size, effective interest rate, term, or geographical location. The Company uses cohort primarily for consumer loan portfolios. The probability of default (“PD”) portion of PD/LGD is defined by the Company as 90 days past due, placed on non-accrual, or partially or wholly, charged-off. Typically, a one-year time period is used to assess PD. PD can be measured and applied using various risk criteria. Risk rating is one common way to apply PD. Loss given default (“LGD”) is to determine the percentage of loss by facility or collateral type. LGD estimates can sometimes be driven, or influenced, by product type, industry or geography. The Company uses PD/LGD primarily for commercial loan portfolios. A reassessment of the existing acquired loans occurred in 2021. This was to align with the calculation of the ACL being used under the CECL model. To the extent that any purchased loan is not specifically reviewed, such loan is assumed to have characteristics similar to the characteristics of the originated risk pools. The grade for each purchased loan without evidence of credit deterioration is reviewed subsequent to the date of acquisition any time a loan is renewed or extended or at any time information becomes available to the Company that provides material insight regarding the loan’s performance, the status of the borrower or the quality or value of the underlying collateral. To the extent that current information indicates it is probable that the Company will collect all amounts according to the contractual terms thereof, such loan is not individually considered in the determination of the required allowance for credit losses. To the extent that current information indicates it is probable that the Company will not be able to collect all amounts according to the contractual terms thereof, such loan is considered in the determination of the required level of allowance as a loan individually evaluated. The ACL represents management’s estimate of expected credit losses in the Company’s loan portfolio at the balance sheet date. The Company estimates the ACL based on the amortized cost basis of the underlying loan and has made an accounting policy election to exclude accrued interest from the loan’s amortized cost basis and the related measurement of the ACL. Estimating the amount of the ACL is a function of a number of factors, including but not limited to changes in the loan portfolio, net charge-offs, trends in past due and nonaccrual loans, and the level of potential problem loans, all of which may be susceptible to significant change. While management uses the best information available to establish the allowance, future adjustments to the allowance may be necessary, which may be material, if economic conditions differ substantially from the assumptions used in estimating the allowance. If additions to the original estimate of the allowance for credit losses are deemed necessary, they will be reported in earnings in the period in which they become reasonably estimable and probable. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged-off. T he Company evaluates all loan restructurings according to the accounting guidance for loan modifications to determine if the restructuring results in a new loan or a continuation of the existing loan. Loan modifications to borrowers experiencing financial difficulty that result in a direct change in the timing or amount of contractual cash flows include situations where there is principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions, and combinations of the listed modifications. Therefore, the disclosures related to loan restructurings are only for modifications that directly affect cash flows. Any restructuring of a loan in which the borrower has experienced financial difficulty and the terms of the loan are more favorable than would generally be considered for borrowers with the same credit characteristics would be individually evaluated. Otherwise, the restructured loan remains in the appropriate segment in the ACL model.
Servicing Rights	Servicing Rights: When mortgage loans are sold and servicing rights are retained, the servicing rights are initially recorded at fair value with the income statement effect recorded in gains on sales of loans. Fair value is based on market prices for comparable mortgage servicing contracts, when available, or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as the cost to service, the discount rate, the custodial earnings rate, an inflation rate, ancillary income, prepayment speeds and default rates and losses. The Company compares the valuation model inputs and results to published industry data to validate the model results and assumptions. The fair value of the mortgage servicing rights as of December 31, 2024 and 2023 was $ 5.20 million and $ 5.39 million, respectively. All classes of servicing assets are subsequently measured using the amortization method, which requires servicing rights to be amortized into non‑interest income in proportion to, and over the period of, the estimated future net servicing income of the underlying loans. Servicing assets are evaluated for impairment based upon the fair value of the assets compared to carrying amount. Any impairment is reported as a valuation allowance, to the extent that fair value is less than the capitalized amount for a grouping. At December 31, 2024 and 2023, there was a valuation allowance totaling $ 89 thousand and $ 54 thousand, respectively. Servicing fee income is recorded when earned for servicing loans based on a contractual percentage of the outstanding principal or a fixed amount per loan. The amortization of mortgage servicing rights is netted against loan servicing fee income. Servicing fees, late fees and ancillary fees related to loan servicing are not considered significant for financial reporting.
Foreclosed Assets	Foreclosed Assets: Assets acquired through or in lieu of loan foreclosure are initially recorded at fair value less costs to sell, establishing a new cost basis. Physical possession of residential real estate property collateralizing a consumer mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrow conveys all interest in the property to satisfy the loan through completion of a deed in lieu of foreclosure or a similar legal agreement. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, a valuation allowance is recorded through expense. These assets are recorded in other assets on the balance sheets as other real estate owned (“OREO”). Operating costs after acquisition are expensed. The Company had $ 52 thousand and $ 92 thousand of OREO recorded at December 31, 2024 and 2023, respectively.
Premises and Equipment	Premises and Equipment: Land is carried at cost. Premises and equipment are stated at cost, less accumulated depreciation. Buildings and related components are depreciated using the straight-line method with useful lives ranging from 5 to 40 years. Furniture, fixtures and equipment are depreciated using the straight-line method with useful lives ranging from 3 to 10 years.
Leases	Leases: Leases are classified as operating or finance leases at the lease commencement date. The Company leases certain locations and equipment. The Company records leases on the balance sheet in the form of a lease liability for the present value of future minimum payments under the lease terms and a right-of-use asset equal to the lease liability adjusted for items such as deferred or prepaid rent, lease incentives, and any impairment of the right-of-use asset. The discount rate used in determining the lease liability is based upon incremental borrowing rates the Company could obtain for similar loans as of the date of commencement or renewal.
Restricted Stock	Restricted Stock: The Bank is a member of the Federal Home Loan Bank (“FHLB”) system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. The Bank is also a member of and owns stock in the Federal Reserve Bank. These stocks are carried at cost, classified as restricted securities included in other investments, and periodically evaluated for impairment based on ultimate recovery of par value. Restricted stock totaled $ 30.7 million at December 31, 2024 and $ 20.2 million in 2023. Cash and stock dividends are reported as income.
Bank Owned Life Insurance	Bank Owned Life Insurance: The Company has purchased life insurance policies on certain key officers. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.
Long-term Assets	Long-term Assets: Premises and equipment and other long-term assets are reviewed for impairment when events indicate their carrying amount may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets: Goodwill resulting from a business combination is generally determined as the excess of the fair value of the consideration transferred over the fair value of the net assets acquired as of the acquisition date. Goodwill acquired in a business combination and determined to have an indefinite useful life is not amortized, but tested for impairment at least annually. The Company has selected September 30 as the date to perform the annual goodwill impairment tests associated with the acquisitions of Farmers Trust, Farmers Insurance and the recent Banking acquisitions. Intangible assets with finite useful lives are amortized over their estimated useful lives. Goodwill is the only intangible asset with an indefinite life on the balance sheet. Core deposit intangible assets arising from bank acquisitions are amortized over their estimated useful lives of 7 to 8 years. Non-compete contracts are amortized on a straight-line basis, over the term of the agreements. Customer relationship and trade name intangibles are amortized over a range of 13 to 15 years.
Loan Commitments and Related Financial Instruments	Loan Commitments and Related Financial Instruments: Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.
Stock-Based Compensation	Stock-Based Compensation: Compensation cost is recognized for restricted stock awards issued to employees, based on the fair value of these awards at the date of grant. The market price of the Company’s common stock at the grant date is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.
Income Taxes	Income Taxes : Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50 % likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. The Company recognizes interest and/or penalties related to income tax matters in income tax expense.
Retirement Plans	Retirement Plans: Employee 401(k) and profit sharing plan expense is the amount of matching and discretionary contributions. Deferred compensation and supplemental retirement plan expense allocates the benefits over years of service.
Earnings Per Common Share	Earnings per Common Share: Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period. Diluted earnings per common share include the dilutive effect of additional potential common shares issuable under stock equity awards. Earnings and dividends per share are restated for all stock splits and stock dividends through the date of issuance of the financial statements.
Comprehensive Income	Comprehensive Income: Comprehensive income consists of net income and other comprehensive income (loss). Other comprehensive income (loss) consists of unrealized gains and losses on securities available for sale and changes in the funded status of the post-retirement plan, which are recognized as separate components of equity, net of tax effects.
Loss Contingencies	Loss Contingencies: Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does not believe there are any matters currently that would have a material effect on the financial statements.
Restrictions on Cash	Restrictions on Cash: Cash on hand or on deposit with the Federal Reserve Bank (“FRB”) was required to meet regulatory reserve and clearing requirements.
Equity	Equity: Treasury stock is carried at cost.
Dividend Restriction	Dividend Restriction: Banking regulations require maintaining certain capital levels and may limit the dividends paid by the Bank and Farmers Trust to the holding company or by the holding company to shareholders.
Fair Value of Financial Instruments	Fair Value of Financial Instruments: Fair values of financial instruments are estimated using relevant market information and other assumptions as more fully disclosed in Note 7. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.
Operating Segments	Operating Segments: While the chief operating decision maker monitors the revenue streams of the various products and services, operations are managed, and financial performance is primarily aggregated and evaluated in two lines of business, the Bank segment and Farmers Trust segment. The Company discloses segment information in Note 23.
Reclassification	Reclassification: Some items in the prior year financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior year net income or stockholders' equity.
Newly Issued, Not Yet Effective Accounting Standards	Newly Issued, Not Yet Effective Accounting Standards: In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740) Improvements to Income Tax Disclosures . The amendments in this update related to the rate reconciliation and income taxes paid disclosures improve the transparency of income tax disclosures by requiring consistent categories and greater disaggregation of information in the rate reconciliation and income taxes paid disaggregated by jurisdiction. The amendments of this update are effective for fiscal years beginning after December 15, 2024. Early adoption is permitted. The adoption of this standard is not expected to have a material effect on the Company’s operating results or financial condition. In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280) Improvements to Reportable Segment Disclosures . The amendments in this update improve reportable segment disclosure requirements, primarily through enhanced disclosures about significant segment expenses. The main new provision requires significant segment expenses that are regularly provided to the chief operating decision maker and included within each reported measure of segment profit or loss. The amendments of this update were effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. The standard was adopted by the Company and footnote 23 - Segment Information has been updated per the ASU. On March 29, 2024, the FASB issued ASU 2024-02, Codification Improvements—Amendments to Remove References to the Concepts Statements . ASU 2024-02 removes various references to the FASB’s Concepts Statements from the FASB’s Accounting Standards Codification (Codification or GAAP). The Concepts Statements are non-authoritative guidance issued by the FASB that provide the objectives, qualitative characteristics and other concepts that govern the development of accounting principles by the FASB. ASU 2024-02 applies to all reporting entities and updates the Codification by eliminating discrete references to the Concepts Statements across a variety of defined terms and Topics within the Codification. The FASB does not expect these updates to have a significant effect on current accounting practice. The amendments in ASU 2024-02 are effective for public business entities for fiscal years beginning after December 15, 2024. Early adoption is permitted. The adoption of this standard is not expected to have a material effect on the Company’s operating results or financial condition.

Business Combinations (Tables)

Business Combinations (Tables)	12 Months Ended
	Dec. 31, 2024
Pro Forma Information	The unaudited pro forma financial information is not necessarily indicative of the results of operations that would have occurred had the transaction been effective on the assumed date. 2022 Net interest income $ 168,692 Provision for credit losses 17,246 Noninterest income 47,206 Noninterest expense 137,930 Income before income taxes 60,722 Income tax expense 10,007 Net income $ 50,715 Basic earnings per share $ 1.34 Diluted earnings per share $ 1.33
Emclaire Financial Corp
Summary of Consideration Paid and Amounts of Assets Acquired and Liabilities Assumed	The following table summarizes the consideration paid for Emclaire and the amounts of the assets acquired and liabilities assumed on the closing date of the acquisition. Consideration Cash $ 33,440 Stock 59,202 Fair value of total consideration transferred $ 92,642 Fair value of assets acquired Cash and cash equivalents $ 20,265 Securities available for sale 126,970 Other investments 7,795 Loans, net 740,659 Premises and equipment 14,808 Bank owned life insurance 22,485 Core deposit intangible 19,249 Current and deferred taxes 17,708 Other assets 7,682 Total assets acquired 977,621 Fair value of liabilities assumed Deposits 875,813 Short-term borrowings 75,000 Accrued interest payable and other liabilities 7,104 Total liabilities 957,917 Net assets acquired $ 19,704 Goodwill created 72,938 Total net assets acquired $ 92,642

Securities Available for Sale (

Securities Available for Sale (Tables)	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Summary of the Amortized Cost and Fair Value of Available-for-Sale Investment Securities Corresponding Amounts of Unrealized Gains and Losses	The following table summarizes the amortized cost and fair value of the available-for-sale securities portfolio at December 31, 2024, and 2023, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income (loss). No allowance for credit losses have been recognized for the securities portfolio at December 31, 2024 or 2023. Gross Gross Amortized Unrealized Unrealized 2024 Cost Gains Losses Fair Value U.S. Treasury and U.S. government sponsored $ 132,292 $ 0 $ ( 17,185 ) $ 115,107 State and political subdivisions 609,950 1,294 ( 106,364 ) 504,880 Corporate bonds 17,849 172 ( 573 ) 17,448 Mortgage-backed securities 605,350 34 ( 112,517 ) 492,867 Collateralized mortgage obligations 142,525 85 ( 8,834 ) 133,776 Small Business Administration 2,715 0 ( 240 ) 2,475 Totals $ 1,510,681 $ 1,585 $ ( 245,713 ) $ 1,266,553 Gross Gross Amortized Unrealized Unrealized 2023 Cost Gains Losses Fair Value U.S. Treasury and U.S. government sponsored $ 145,439 $ 113 $ ( 17,597 ) $ 127,955 State and political subdivisions 644,880 4,792 ( 93,503 ) 556,169 Corporate bonds 18,554 187 ( 466 ) 18,275 Mortgage-backed securities 624,529 1 ( 104,144 ) 520,386 Collateralized mortgage obligations 80,227 331 ( 6,559 ) 73,999 Small Business Administration 3,212 0 ( 295 ) 2,917 Totals $ 1,516,841 $ 5,424 $ ( 222,564 ) $ 1,299,701
Proceeds from Sales of Available-for-Sale Securities and the Associated Gains and Losses	The proceeds from sales of available-for-sale securities and the associated gains and losses were as follows: 2024 2023 2022 Proceeds $ 49,728 $ 85,306 $ 37,190 Gross gains 17 441 6 Gross losses ( 2,698 ) ( 939 ) ( 421 )
Amortized Cost and Fair Value of the Debt Securities Maturity	The amortized cost and fair value of the debt securities portfolio are shown by expected maturity. Expected maturities may differ from contractual maturities if issuers have the right to call or prepay obligations, with or without a call, or prepayment penalties. Securities not due at a single maturity date are shown separately. Available for sale December 31, 2024 Amortized Maturity Cost Fair Value Within one year $ 2,382 $ 2,377 One to five years 68,001 60,891 Five to ten years 175,756 157,992 Beyond ten years 513,952 416,175 Mortgage-backed Securities, Collateralized Mortgage 750,590 629,118 Totals $ 1,510,681 $ 1,266,553
Available for Sale Investment Securities with Unrealized Losses	The following table summarizes the investment securities with unrealized losses for which an allowance for credit losses has not been recorded at December 31, 2024 and 2023, aggregated by major security type and length of time in a continuous unrealized loss position. 2024 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Loss Value Loss Value Loss U.S. Treasury and U.S. government sponsored entities $ 4,592 $ ( 320 ) $ 110,515 $ ( 16,865 ) $ 115,107 $ ( 17,185 ) State and political subdivisions 66,436 ( 4,946 ) 400,911 ( 101,418 ) 467,347 ( 106,364 ) Corporate bonds 4,303 ( 146 ) 8,568 ( 427 ) 12,871 ( 573 ) Mortgage-backed securities 30,143 ( 365 ) 460,172 ( 112,152 ) 490,315 ( 112,517 ) Collateralized mortgage obligations 65,046 ( 2,210 ) 51,405 ( 6,624 ) 116,451 ( 8,834 ) Small Business Administration 0 0 2,475 ( 240 ) 2,475 ( 240 ) Total $ 170,520 $ ( 7,987 ) $ 1,034,046 $ ( 237,726 ) $ 1,204,566 $ ( 245,713 ) 2023 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Loss Value Loss Value Loss U.S. Treasury and U.S. government sponsored entities $ 399 $ ( 1 ) $ 122,361 $ ( 17,596 ) $ 122,760 $ ( 17,597 ) State and political subdivisions 15,852 ( 1,684 ) 428,416 ( 91,819 ) 444,268 ( 93,503 ) Corporate bonds 8,463 ( 284 ) 3,881 ( 182 ) 12,344 ( 466 ) Mortgage-backed securities 5,113 ( 76 ) 515,259 ( 104,068 ) 520,372 ( 104,144 ) Collateralized mortgage obligations 20,019 ( 980 ) 43,808 ( 5,579 ) 63,827 ( 6,559 ) Small Business Administration 0 0 2,917 ( 295 ) 2,917 ( 295 ) Total $ 49,846 $ ( 3,025 ) $ 1,116,642 $ ( 219,539 ) $ 1,166,488 $ ( 222,564 )

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Schedule of Loan Balances	Loan balances at year end were as follows: 2024 2023 (In Thousands of Dollars) Commercial real estate Owner occupied $ 391,302 $ 399,273 Non-owner occupied 695,699 712,315 Farmland 206,786 202,950 Other 295,713 224,218 Commercial Commercial and industrial 349,966 346,354 Agricultural 55,606 58,338 Residential real estate 1-4 family residential 845,081 843,697 Home equity lines of credit 158,014 142,441 Consumer Indirect 232,822 226,815 Direct 19,143 23,805 Other 7,989 9,164 Total originated loans $ 3,258,121 $ 3,189,370 Net deferred loan costs 10,225 8,757 Allowance for credit losses ( 35,863 ) ( 34,440 ) Net loans $ 3,232,483 $ 3,163,687
Activity in the Allowance for Loan Losses by Portfolio Segment	The following tables present the activity in the allowance for credit losses by portfolio segment for years ended December 31, 2024, 2023 and 2022: December 31, 2024 Commercial Commercial Residential Consumer Total (In Thousands of Dollars) Allowance for credit losses Beginning balance $ 18,150 $ 5,087 $ 6,916 $ 4,287 $ 34,440 Provision for credit losses 5,706 763 333 1,442 8,244 Loans charged off ( 4,619 ) ( 1,742 ) ( 155 ) ( 1,471 ) ( 7,987 ) Recoveries 22 520 177 447 1,166 Total ending allowance balance $ 19,259 $ 4,628 $ 7,271 $ 4,705 $ 35,863 December 31, 2023 Commercial Commercial Residential Consumer Total (In Thousands of Dollars) Allowance for credit losses Beginning balance $ 14,840 $ 4,186 $ 4,374 $ 3,578 $ 26,978 PCD ACL on loans acquired 850 138 11 0 999 Provision for credit losses 2,808 1,931 2,834 1,145 8,718 Loans charged off ( 349 ) ( 1,272 ) ( 384 ) ( 932 ) ( 2,937 ) Recoveries 1 104 81 496 682 Total ending allowance balance $ 18,150 $ 5,087 $ 6,916 $ 4,287 $ 34,440 December 31, 2022 Commercial Commercial Residential Consumer Total Allowance for credit losses Beginning balance $ 15,879 $ 4,949 $ 4,870 $ 3,688 $ 29,386 Provision for credit losses ( 742 ) 1,204 ( 493 ) 281 250 Loans charged off ( 300 ) ( 2,042 ) ( 92 ) ( 870 ) ( 3,304 ) Recoveries 3 75 89 479 646 Total ending allowance balance $ 14,840 $ 4,186 $ 4,374 $ 3,578 $ 26,978
Schedule of Amortized Cost Basis in Nonaccrual and Loans Past Due 90 Days or More Still on Accrual by Class of Loans	The following tables present the amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing as of December 31, 2024 and December 31, 2023: (In Thousands of Dollars) Nonaccrual with no allowance for credit loss Nonaccrual with an allowance for credit loss Loans past due over 89 days still accruing December 31, 2024 Commercial real estate Owner occupied $ 0 $ 937 $ 0 Non-owner occupied 0 8,105 0 Farmland 1,757 3 0 Other 0 0 525 Commercial Commercial and industrial 145 3,713 0 Agricultural 177 183 0 Residential real estate 1-4 family residential 513 3,967 90 Home equity lines of credit 94 409 0 Consumer Indirect 37 463 0 Direct 66 34 0 Other 0 0 0 Total loans $ 2,789 $ 17,814 $ 615
Schedule of Amortized Cost Basis in Past Due Loans	The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2024 and December 31, 2023: (In Thousands of Dollars) Real Estate Business Assets Vehicles Cash December 31, 2024 Commercial real estate Owner occupied $ 0 $ 0 $ 0 $ 0 Non-owner occupied 8,119 0 0 0 Farmland 1,757 0 0 0 Other 0 0 0 0 Commercial Commercial and industrial 0 2,591 0 0 Agricultural 0 177 0 0 Residential real estate 1-4 family residential 3,573 0 0 0 Home equity lines of credit 264 0 0 0 Consumer Indirect 0 0 70 0 Direct 0 0 9 66 Other 0 0 0 0 Total loans $ 13,713 $ 2,768 $ 79 $ 66 (In Thousands of Dollars) Real Estate Business Assets Vehicles Cash December 31, 2023 Commercial real estate Owner occupied $ 1,804 $ 0 $ 0 $ 0 Non-owner occupied 1,335 0 0 0 Farmland 1,957 0 0 0 Other 0 0 0 0 Commercial Commercial and industrial 94 867 0 0 Agricultural 0 203 0 0 Residential real estate 1-4 family residential 3,352 0 0 0 Home equity lines of credit 294 0 0 0 Consumer Indirect 0 0 53 0 Direct 0 0 19 66 Other 0 0 0 0 Total loans $ 8,836 $ 1,070 $ 72 $ 66 The following tables present the aging of the amortized cost basis in past due loans as of December 31, 2024 and 2023 by class of loans: December 31, 2024 30-59 60-89 90 Days or More Past Due Total Past Loans Not Total (In Thousands of Dollars) Commercial real estate Owner occupied $ 95 $ 446 $ 937 $ 1,478 $ 389,630 $ 391,108 Non-owner occupied 15 52 8,105 8,172 687,112 695,284 Farmland 53 0 1,760 1,813 204,787 206,600 Other 0 113 525 638 294,543 295,181 Commercial Commercial and industrial 941 324 3,858 5,123 346,410 351,533 Agricultural 284 26 360 670 55,759 56,429 Residential real estate 1-4 family residential 6,688 1,943 4,570 13,201 832,338 845,539 Home equity lines of credit 104 0 503 607 157,532 158,139 Consumer Indirect 1,385 473 500 2,358 238,997 241,355 Direct 59 30 100 189 18,996 19,185 Other 0 1 0 1 7,992 7,993 Total loans $ 9,624 $ 3,408 $ 21,218 $ 34,250 $ 3,234,096 $ 3,268,346 December 31, 2023 30-59 60-89 90 Days or More Past Due Total Past Loans Not Total Commercial real estate Owner occupied $ 302 $ 293 $ 2,634 $ 3,229 $ 395,799 $ 399,028 Non-owner occupied 90 0 1,510 1,600 710,195 711,795 Farmland 365 0 1,966 2,331 200,395 202,726 Other 0 0 80 80 223,697 223,777 Commercial Commercial and industrial 540 199 1,802 2,541 345,278 347,819 Agricultural 292 40 520 852 58,223 59,075 Residential real estate 1-4 family residential 6,819 4,488 3,817 15,124 828,437 843,561 Home equity lines of credit 729 34 519 1,282 141,189 142,471 Consumer Indirect 2,045 289 447 2,781 232,105 234,886 Direct 153 23 135 311 23,514 23,825 Other 4 0 5 9 9,155 9,164 Total loans: $ 11,339 $ 5,366 $ 13,435 $ 30,140 $ 3,167,987 $ 3,198,127
Schedule of Amortized Cost Basis for Loans Restructured	December 31, 2024 Amortized Cost (In Thousands of Dollars) Term Extension Interest Rate Reduction Combination Term Extension and Interest Rate Reduction Total % of Total Class of Financing Receivable Residential real estate Home equity lines of credit $ 0 $ 29 $ 19 $ 48 0.03 % Total modifications to borrowers experiencing financial difficulty $ 0 $ 29 $ 19 $ 48 0.00 % December 31, 2023 Amortized Cost (In Thousands of Dollars) Term Extension Interest Rate Reduction Combination Term Extension and Interest Rate Reduction Total % of Total Class of Financing Receivable Residential real estate 1-4 family residential $ 48 $ 30 $ 132 $ 210 0.03 % Total modifications to borrowers experiencing financial difficulty $ 48 $ 30 $ 132 $ 210 0.01 % The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty during the twelve months ended December 31, 2024 and December 31, 2023: Payment Deferral Interest Rate Reduction Term Extension Weighted-Average Years Added to the Life Weighted-Average Contractual Interest Rate Weighted-Average Years Added to the Life December 31, 2024 From To Residential real estate Home equity lines of credit 10.45 % 5.91 % 10 Payment Deferral Interest Rate Reduction Term Extension Weighted-Average Years Added to the Life Weighted-Average Contractual Interest Rate Weighted-Average Years Added to the Life December 31, 2023 From To Residential real estate 1-4 family residential 4.77 % 3.38 % 6.3 The following table presents the amortized cost basis of loans that had a payment default during the year ended December 31, 2024 and December 31, 2023 and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty. For purposes of this disclosure a default occurs when within 12 months of the original modification, a loan is 30 days contractually past due under the modified terms: December 31, 2024 Amortized Cost (In Thousands of Dollars) Term Extension Interest Rate Reduction Combination Term Extension and Interest Rate Reduction Residential real estate Home equity lines of credit 0 29 19 Total modifications to borrowers experiencing financial difficulty $ 0 $ 29 $ 19 December 31, 2023 Amortized Cost (In Thousands of Dollars) Term Extension Interest Rate Reduction Combination Term Extension and Interest Rate Reduction Residential real estate 1-4 family residential $ 0 $ 30 $ 0 Total modifications to borrowers experiencing financial difficulty $ 0 $ 30 $ 0
Schedule of Performance of Loans that Modified	The following tables present the performance of such loans that have been modified in the twelve months ended December 31, 2024 and December 31, 2023: December 31, 2024 Payment status (Amortized cost Basis) (In Thousands of Dollars) Current 30-89 Days past due 90+ Days past due Accrual restructured loans Residential real estate Home equity lines of credit $ 0 $ 19 $ 0 Total accruing restructured loans $ 0 $ 19 $ 0 Nonaccrual restructured loans Residential real estate Home equity lines of credit $ 0 $ 0 $ 29 Total nonaccrual restructured loans $ 0 $ 0 $ 29 Total restructured loans $ 0 $ 19 $ 29 December 31, 2023 Payment status (Amortized cost Basis) (In Thousands of Dollars) Current 30-89 Days past due 90+ Days past due Accrual restructured loans Residential real estate 1-4 family residential $ 132 $ 30 $ 0 Total accruing restructured loans $ 132 $ 30 $ 0 Nonaccrual restructured loans Residential real estate 1-4 family residential $ 48 $ 0 $ 0 Total nonaccrual restructured loans $ 48 $ 0 $ 0 Total restructured loans $ 180 $ 30 $ 0
Risk Category of Loans by Class of Loans	Based on the most recent analysis performed, the risk category of loans by class of loans is as follows: December 31, 2024 Pass Special Sub Doubtful Total (In Thousands of Dollars) Commercial real estate Owner occupied $ 383,556 $ 4,865 $ 2,687 $ 0 $ 391,108 Non-owner occupied 642,542 18,127 33,781 834 695,284 Farmland 204,348 0 2,252 0 206,600 Other 285,119 10,030 32 0 295,181 Commercial Commercial and industrial 340,580 462 10,491 0 351,533 Agricultural 56,005 61 363 0 56,429 Total loans $ 1,912,150 $ 33,545 $ 49,606 $ 834 $ 1,996,135 December 31, 2023 Pass Special Sub Total Commercial real estate Owner occupied $ 386,015 $ 9,628 $ 3,385 $ 399,028 Non-owner occupied 648,063 27,938 35,794 711,795 Farmland 200,240 0 2,486 202,726 Other 215,459 0 8,318 223,777 Commercial Commercial and industrial 334,764 646 12,409 347,819 Agricultural 58,506 17 552 59,075 Total loans $ 1,843,047 $ 38,229 $ 62,944 $ 1,944,220
Investment in Residential, Consumer and Indirect Auto Loans Based on Payment Activity	The following table presents the amortized cost in residential, consumer and indirect auto loans based on payment activity. Nonperforming loans are loans past due 90 days and still accruing interest and nonaccrual loans. Residential Real Estate Consumer December 31, 2024 1-4 Family Residential Home Equity Lines of Credit Indirect Direct Other (In Thousands of Dollars) Performing $ 840,969 $ 157,636 $ 240,855 $ 19,085 $ 7,993 Nonperforming 4,570 503 500 100 0 Total loans $ 845,539 $ 158,139 $ 241,355 $ 19,185 $ 7,993 Residential Real Estate Consumer December 31, 2023 1-4 Family Residential Home Equity Lines of Credit Indirect Direct Other Performing $ 839,744 $ 141,952 $ 234,439 $ 23,690 $ 9,159 Nonperforming 3,817 519 447 135 5 Total loans $ 843,561 $ 142,471 $ 234,886 $ 23,825 $ 9,164
Risk Categories and Year of Origination	The following tables present total loans by risk categories and year of origination. Term Loans Amortized Cost Basis by Origination Year As of December 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Total Commercial real estate - Owner occupied: Risk Rating Pass $ 45,588 $ 56,389 $ 46,323 $ 60,179 $ 45,428 $ 127,665 $ 1,984 $ 383,556 Special mention 0 3,228 0 1,118 0 519 0 4,865 Substandard 0 0 659 0 0 1,962 66 2,687 Total commercial real estate - Owner occupied loans $ 45,588 $ 59,617 $ 46,982 $ 61,297 $ 45,428 $ 130,146 $ 2,050 $ 391,108 Commercial real estate - Owner Occupied: Current period gross write-offs $ 0 $ 0 $ 72 $ 0 $ 21 $ 0 $ 0 $ 93 Commercial real estate - Non-owner occupied: Risk Rating Pass $ 61,974 $ 44,323 $ 125,547 $ 78,933 $ 71,322 $ 251,465 $ 8,978 $ 642,542 Special mention 0 0 6,284 313 1,356 10,024 150 18,127 Substandard 7,065 407 0 11,249 7,129 7,931 0 33,781 Doubtful 0 0 0 834 0 0 0 834 Total commercial real estate - Non-owner occupied loans $ 69,039 $ 44,730 $ 131,831 $ 91,329 $ 79,807 $ 269,420 $ 9,128 $ 695,284 Commercial real estate - Non-owner occupied: Current period gross write-offs $ 0 $ 0 $ 0 $ 4,380 $ 146 $ 0 $ 0 $ 4,526 Commercial real estate - Farmland: Risk Rating Pass $ 19,832 $ 20,803 $ 39,126 $ 18,734 $ 31,620 $ 71,162 $ 3,071 $ 204,348 Substandard 0 0 0 317 0 1,935 0 2,252 Total commercial real estate - Farmland loans $ 19,832 $ 20,803 $ 39,126 $ 19,051 $ 31,620 $ 73,097 $ 3,071 $ 206,600 Commercial real estate - Farmland: Current period gross write-offs $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Commercial real estate - Other: Risk Rating Pass $ 40,993 $ 108,346 $ 65,724 $ 39,091 $ 8,493 $ 21,744 $ 728 $ 285,119 Special mention 0 990 7,480 112 0 1,448 0 10,030 Substandard 0 0 0 0 0 32 0 32 Total commercial real estate - Other loans $ 40,993 $ 109,336 $ 73,204 $ 39,203 $ 8,493 $ 23,224 $ 728 $ 295,181 Commercial real estate - Other: Current period gross write-offs $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Term Loans Amortized Cost Basis by Origination Year (Continued) As of December 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Total Commercial - Commercial and industrial: Risk Rating Pass $ 84,491 $ 72,388 $ 55,279 $ 26,780 $ 10,744 $ 20,223 $ 70,675 $ 340,580 Special mention 0 0 0 167 165 46 84 462 Substandard 31 118 5,653 282 244 1,682 2,481 10,491 Total commercial - Commercial and industrial loans $ 84,522 $ 72,506 $ 60,932 $ 27,229 $ 11,153 $ 21,951 $ 73,240 $ 351,533 Commercial - Commercial and industrial: Current period gross write-offs $ 48 $ 273 $ 389 $ 125 $ 228 $ 257 $ 313 $ 1,633 Commercial - Agricultural: Risk Rating Pass $ 9,085 $ 11,703 $ 13,160 $ 5,481 $ 1,768 $ 850 $ 13,958 $ 56,005 Special mention 0 0 0 0 0 0 61 61 Substandard 0 0 35 29 162 137 0 363 Total commercial - Agricultural loans $ 9,085 $ 11,703 $ 13,195 $ 5,510 $ 1,930 $ 987 $ 14,019 $ 56,429 Commercial - Agricultural: Current period gross write-offs $ 0 $ 1 $ 49 $ 13 $ 29 $ 17 $ 0 $ 109 Residential real estate - 1-4 family residential: Payment Performance Performing $ 79,820 $ 69,319 $ 157,403 $ 153,569 $ 119,770 $ 257,827 $ 3,261 $ 840,969 Nonperforming 0 0 473 278 1,626 2,193 0 4,570 Total residential real estate - 1-4 family residential loans $ 79,820 $ 69,319 $ 157,876 $ 153,847 $ 121,396 $ 260,020 $ 3,261 $ 845,539 Residential real estate - 1-4 family residential: Current period gross write-offs $ 0 $ 0 $ 0 $ 37 $ 0 $ 118 $ 0 $ 155 Residential real estate - Home equity lines of credit: Payment Performance Performing $ 0 $ 119 $ 153 $ 127 $ 68 $ 4,118 $ 153,051 $ 157,636 Nonperforming 0 0 29 0 0 376 98 503 Total residential real estate - Home equity lines of credit loans $ 0 $ 119 $ 182 $ 127 $ 68 $ 4,494 $ 153,149 $ 158,139 Residential real estate - Home equity lines of credit: Current period gross write-offs $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Term Loans Amortized Cost Basis by Origination Year (Continued) As of December 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Total Consumer - Indirect: Payment Performance Performing $ 78,306 $ 55,525 $ 49,548 $ 23,331 $ 14,183 $ 19,962 $ 0 $ 240,855 Nonperforming 0 57 233 97 62 51 0 500 Total consumer - Indirect loans $ 78,306 $ 55,582 $ 49,781 $ 23,428 $ 14,245 $ 20,013 $ 0 $ 241,355 Consumer - Indirect: Current period gross write-offs $ 10 $ 100 $ 206 $ 192 $ 174 $ 430 $ 0 $ 1,112 Consumer - Direct: Payment Performance Performing $ 2,735 $ 2,319 $ 2,406 $ 1,075 $ 792 $ 9,432 $ 326 $ 19,085 Nonperforming 0 0 6 15 66 13 0 100 Total consumer - Direct loans $ 2,735 $ 2,319 $ 2,412 $ 1,090 $ 858 $ 9,445 $ 326 $ 19,185 Consumer - Direct: Current period gross write-offs $ 0 $ 7 $ 38 $ 6 $ 5 $ 120 $ 0 $ 176 Consumer - Other: Payment Performance Performing $ 0 $ 0 $ 0 $ 60 $ 0 $ 409 $ 7,524 $ 7,993 Nonperforming 0 0 0 0 0 0 0 0 Total consumer - Other loans $ 0 $ 0 $ 0 $ 60 $ 0 $ 409 $ 7,524 $ 7,993 Consumer - Other: Current period gross write-offs $ 0 $ 0 $ 1 $ 0 $ 0 $ 182 $ 0 $ 183 Term Loans Amortized Cost Basis by Origination Year As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Total Commercial real estate - Owner occupied: Risk Rating Pass $ 57,983 $ 58,178 $ 66,205 $ 42,023 $ 48,849 $ 109,831 $ 2,946 $ 386,015 Special mention 0 293 0 8,779 0 556 0 9,628 Substandard 0 0 0 10 490 2,701 184 3,385 Total commercial real estate - Owner occupied loans $ 57,983 $ 58,471 $ 66,205 $ 50,812 $ 49,339 $ 113,088 $ 3,130 $ 399,028 Commercial real estate - Owner Occupied: Current period gross write-offs $ 0 $ 0 $ 0 $ 0 $ 1 $ 0 $ 0 $ 1 Commercial real estate - Non-owner occupied: Risk Rating Pass $ 49,177 $ 135,433 $ 88,188 $ 77,713 $ 81,079 $ 205,729 $ 10,744 $ 648,063 Special mention 0 0 12,156 0 6,565 9,217 0 27,938 Substandard 0 0 3,972 10,037 3,492 17,794 499 35,794 Total commercial real estate - Non-owner occupied loans $ 49,177 $ 135,433 $ 104,316 $ 87,750 $ 91,136 $ 232,740 $ 11,243 $ 711,795 Commercial real estate - Non-owner occupied: Current period gross write-offs $ 0 $ 0 $ 0 $ 0 $ 144 $ 201 $ 0 $ 345 Commercial real estate - Farmland: Risk Rating Pass $ 22,576 $ 40,101 $ 20,890 $ 34,036 $ 18,634 $ 59,900 $ 4,103 $ 200,240 Substandard 0 0 330 0 26 2,130 0 2,486 Total commercial real estate - Farmland loans $ 22,576 $ 40,101 $ 21,220 $ 34,036 $ 18,660 $ 62,030 $ 4,103 $ 202,726 Commercial real estate - Farmland: Current period gross write-offs $ 0 $ 0 $ 0 $ 0 $ 0 $ 3 $ 0 $ 3 Commercial real estate - Other: Risk Rating Pass $ 68,911 $ 56,753 $ 47,895 $ 9,063 $ 8,516 $ 23,269 $ 1,052 $ 215,459 Substandard 0 0 0 8,186 0 132 0 8,318 Total commercial real estate - Other loans $ 68,911 $ 56,753 $ 47,895 $ 17,249 $ 8,516 $ 23,401 $ 1,052 $ 223,777 Term Loans Amortized Cost Basis by Origination Year (Continued) As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Total Commercial - Commercial and industrial: Risk Rating Pass $ 90,807 $ 85,255 $ 40,444 $ 21,794 $ 9,736 $ 23,030 $ 63,698 $ 334,764 Special mention 0 141 355 21 0 0 129 646 Substandard 195 3,551 980 404 1,077 699 5,503 12,409 Total commercial - Commercial and industrial loans $ 91,002 $ 88,947 $ 41,779 $ 22,219 $ 10,813 $ 23,729 $ 69,330 $ 347,819 Commercial - Commercial and industrial: Current period gross write-offs $ 0 $ 178 $ 579 $ 11 $ 16 $ 394 $ 0 $ 1,178 Commercial - Agricultural: Risk Rating Pass $ 13,738 $ 17,368 $ 8,917 $ 3,584 $ 1,386 $ 1,133 $ 12,380 $ 58,506 Special mention 0 0 0 0 0 0 17 17 Substandard 0 33 118 225 24 152 0 552 Total commercial - Agricultural loans $ 13,738 $ 17,401 $ 9,035 $ 3,809 $ 1,410 $ 1,285 $ 12,397 $ 59,075 Commercial - Agricultural: Current period gross write-offs $ 0 $ 15 $ 70 $ 3 $ 0 $ 6 $ 0 $ 94 Residential real estate - 1-4 family residential: Payment Performance Performing $ 63,365 $ 171,862 $ 164,469 $ 132,989 $ 49,380 $ 254,027 $ 3,652 $ 839,744 Nonperforming 37 58 312 1,645 115 1,650 0 3,817 Total residential real estate - 1-4 family residential loans $ 63,402 $ 171,920 $ 164,781 $ 134,634 $ 49,495 $ 255,677 $ 3,652 $ 843,561 Residential real estate - 1-4 family residential: Current period gross write-offs $ 52 $ 0 $ 49 $ 130 $ 0 $ 129 $ 0 $ 360 Residential real estate - Home equity lines of credit: Payment Performance Performing $ 0 $ 19 $ 14 $ 111 $ 51 $ 3,302 $ 138,455 $ 141,952 Nonperforming 0 26 13 15 0 465 0 519 Total residential real estate - Home equity lines of credit loans $ 0 $ 45 $ 27 $ 126 $ 51 $ 3,767 $ 138,455 $ 142,471 Residential real estate - Home equity lines of credit: Current period gross write-offs $ 0 $ 0 $ 0 $ 8 $ 0 $ 16 $ 0 $ 24 Term Loans Amortized Cost Basis by Origination Year (Continued) As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Total Consumer - Indirect: Payment Performance Performing $ 74,425 $ 71,705 $ 32,528 $ 21,163 $ 11,395 $ 23,223 $ 0 $ 234,439 Nonperforming 54 108 138 85 26 36 0 447 Total consumer - Indirect loans $ 74,479 $ 71,813 $ 32,666 $ 21,248 $ 11,421 $ 23,259 $ 0 $ 234,886 Consumer - Indirect: Current period gross write-offs $ 33 $ 138 $ 71 $ 35 $ 23 $ 232 $ 0 $ 532 Consumer - Direct: Payment Performance Performing $ 3,552 $ 3,812 $ 2,203 $ 1,352 $ 974 $ 11,431 $ 366 $ 23,690 Nonperforming 0 17 0 65 0 53 0 135 Total consumer - Direct loans $ 3,552 $ 3,829 $ 2,203 $ 1,417 $ 974 $ 11,484 $ 366 $ 23,825 Consumer - Direct: Current period gross write-offs $ 11 $ 38 $ 22 $ 51 $ 9 $ 100 $ 0 $ 231 Consumer - Other: Payment Performance Performing $ 0 $ 0 $ 60 $ 103 $ 82 $ 278 $ 8,636 $ 9,159 Nonperforming 0 0 0 0 0 5 0 5 Total consumer - Other loans $ 0 $ 0 $ 60 $ 103 $ 82 $ 283 $ 8,636 $ 9,164 Consumer - Other: Current period gross write-offs $ 0 $ 0 $ 0 $ 0 $ 0 $ 20 $ 149 $ 169
Summary of Loan Pools and Methodology Used in Calculation of Allowance for Credit Losses	The following table presents the loan pools and the associated methodology used during the calculation of the allowance for credit losses in 2024. Portfolio Segments Loan Pool Methodology Loss Drivers Residential real estate 1-4 Family Residential Real Estate - 1st Liens Cohort Credit Loss History 1-4 Family Residential Real Estate - 2nd Liens Cohort Credit Loss History Home Equity Lines of Credit Home Equity Lines of Credit Cohort Credit Loss History Consumer Finance Cash Reserves Cohort Credit Loss History Direct Cohort Credit Loss History Indirect Cohort Credit Loss History Commercial Commercial and Industrial PD/LGD Credit Loss History Agricultural PD/LGD Credit Loss History Municipal PD/LGD Credit Loss History Commercial real estate Owner Occupied PD/LGD Credit Loss History Non-Owner Occupied PD/LGD Credit Loss History Multifamily PD/LGD Credit Loss History Farmland PD/LGD Credit Loss History Construction PD/LGD Credit Loss History
Schedule of Par Value of Purchased Loans	2023 Par value of acquired loans at acquisition $ 797,616 Net purchase discount ( 55,958 ) Allowance for credit losses of PCD loans ( 999 ) Purchase price of loans at acquisition $ 740,659
Schedule of Outstanding Balance and Related Allowance on Loans	The outstanding balance at December 31, 2024 and 2023 and related allowance on PCD loans is as follows (in thousands): 2024 2023 December 31, 2024 Loan Balance ACL Balance Loan Balance ACL Balance Commercial real estate Owner Occupied $ 333 $ 11 $ 430 $ 19 Non-owner Occupied 26,890 420 30,653 914 Farmland 3 0 9 0 Commercial Commercial and industrial 1,561 115 2,229 158 Agricultural 117 8 149 9 Residential real estate 1-4 family residential 1,264 7 1,211 7 Home equity lines of credit 3 0 3 0 Total $ 30,171 $ 561 $ 34,684 $ 1,107

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	12 Months Ended
	Dec. 31, 2024
Revenue from Contract with Customer [Abstract]
Summary of Noninterest Income by Revenue Stream and Reportable Segment, Net of Eliminations	All material revenue from contracts with customers in the scope of ASC 606 is recognized within noninterest income. ASC 606 rules govern the disclosure of revenue tied to contracts. The following table presents the Company’s noninterest income by revenue stream and reportable segment, net of eliminations, for the years ended December 31, 2024, 2023 and 2022. (In Thousands of Dollars) Trust Bank Totals December 31, 2024 Service charges on deposit accounts $ 0 $ 7,311 $ 7,311 Debit card and EFT fees 0 7,484 7,484 Trust fees 10,099 0 10,099 Insurance agency commissions 0 5,472 5,472 Retirement plan consulting fees 2,637 0 2,637 Investment commissions 0 2,007 2,007 Other (outside the scope of ASC 606) 0 6,706 6,706 Total noninterest income $ 12,736 $ 28,980 $ 41,716 (In Thousands of Dollars) Trust Bank Totals December 31, 2023 Service charges on deposit accounts $ 0 $ 6,322 $ 6,322 Debit card and EFT fees 0 7,059 7,059 Trust fees 9,047 0 9,047 Insurance agency commissions 0 5,444 5,444 Retirement plan consulting fees 2,467 0 2,467 Investment commissions 0 1,978 1,978 Other (outside the scope of ASC 606) 0 9,544 9,544 Total noninterest income $ 11,514 $ 30,347 $ 41,861 (In Thousands of Dollars) Trust Bank Totals December 31, 2022 Service charges on deposit accounts $ 0 $ 4,716 $ 4,716 Debit card and EFT fees 0 5,814 5,814 Trust fees 8,460 0 8,460 Insurance agency commissions 0 4,402 4,402 Retirement plan consulting fees 2,567 0 2,567 Investment commissions 0 2,183 2,183 Other (outside the scope of ASC 606) 8,375 7,685 16,060 Total noninterest income $ 19,402 $ 24,800 $ 44,202

Loan Servicing (Tables)

Loan Servicing (Tables)	12 Months Ended
	Dec. 31, 2024
Transfers and Servicing [Abstract]
Summary of Principal Balance for Mortgage Loans	The principal balances of these loans at year-end are as follows: 2024 2023 Mortgage loan portfolios serviced for: FHLMC $ 554,779 $ 544,140 FHLB Pittsburgh 26,063 28,405 Ending balance $ 580,842 $ 572,545
Summary of Activity for Mortgage Servicing Rights	Activity for mortgage servicing rights for years ended December 31, 2024, 2023 and 2022 are as follows: 2024 2023 2022 Servicing rights: Beginning balance $ 3,452 $ 3,331 $ 3,403 Additions 644 588 960 Acquired in merger 0 305 0 Amortization to expense ( 968 ) ( 735 ) ( 1,015 ) Total servicing rights before valuation allowance $ 3,128 $ 3,489 $ 3,348 Change in valuation allowance ( 35 ) ( 37 ) ( 17 ) Ending balance $ 3,093 $ 3,452 $ 3,331

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Assets Measured at Fair Value on Recurring Basis	Assets measured at fair value on a recurring basis are summarized below: Fair Value Measurements at December 31, 2024 Using: Carrying Quoted Prices Significant Significant Financial Assets Investment securities available-for sale U.S. Treasury and U.S. government sponsored entities $ 115,107 $ 0 115,107 $ 0 State and political subdivisions 504,880 0 504,880 0 Corporate bonds 17,448 0 16,039 1,409 Mortgage-backed securities 492,867 0 492,867 0 Collateralized mortgage obligations 133,776 0 133,776 0 Small Business Administration 2,475 0 2,475 0 Total investment securities $ 1,266,553 $ 0 $ 1,265,144 $ 1,409 Equity securities $ 277 $ 277 $ 0 $ 0 Loans held for sale 5,005 0 5,005 0 Interest rate swaps 3,766 0 3,766 0 Interest rate lock commitments 19 0 19 0 Mortgage banking derivative 17 0 17 0 Financial Liabilities Interest rate swaps $ 3,766 $ 0 $ 3,766 $ 0 Fair value hedge derivative 168 0 168 0 Fair Value Measurements at December 31, 2023 Using: Carrying Quoted Prices Significant Significant Financial Assets Investment securities available-for sale U.S. Treasury and U.S. government sponsored entities $ 127,955 $ 0 127,955 $ 0 State and political subdivisions 556,169 0 556,169 0 Corporate bonds 18,275 0 16,935 1,340 Mortgage-backed securities 520,386 0 520,386 0 Collateralized mortgage obligations 73,999 0 73,999 0 Small Business Administration 2,917 0 2,917 0 Total investment securities $ 1,299,701 $ 0 $ 1,298,361 $ 1,340 Equity securities $ 226 $ 226 $ 0 $ 0 Loans held for sale 3,711 0 3,711 0 Interest rate swaps 4,191 0 4,191 0 Interest rate lock commitments 109 0 109 0 Financial Liabilities Interest rate swaps $ 4,191 $ 0 $ 4,191 $ 0 Fair value hedge derivative 836 0 836 0 Mortgage banking derivative 14 0 14 0
Reconciliation of All Assets Measured at Fair Value on Recurring Basis Using Significant Unobservable Inputs	The table below presents a reconciliation of all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31: Investment Securities Available-for-sale (Level 3) 2024 2023 2022 Beginning Balance $ 1,340 $ 1 $ 3 Transfers between levels 0 0 0 Acquired and/or purchased 0 1,600 0 Discount accretion (premium amortization) 54 48 0 Repayments, calls and maturities 15 ( 401 ) ( 2 ) Changes to unrealized gains (losses) 0 92 0 Ending Balance $ 1,409 $ 1,340 $ 1
Assets Measured at Fair Value on Non-Recurring Basis	Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at December 31, 2024 Using: Carrying Quoted Prices Significant Significant Financial Assets Individually Evaluated loans Commercial real estate Non-Owner occupied $ 7,286 $ 0 $ 0 $ 7,286 Commercial and industrial 2,418 0 0 2,418 1–4 family residential 1,132 0 0 1,132 Mortgage servicing rights 403 0 403 0 Fair Value Measurements at December 31, 2023 Using: Carrying Quoted Prices Significant Significant Financial Assets Individually Evaluated loans Commercial real estate Non-Owner occupied $ 838 $ 0 $ 0 $ 838 Commercial and industrial 267 0 0 267 1–4 family residential 1547 0 0 1547
Fair Value Measurements for Financial Instruments	The following table presents quantitative information about level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at year ended 2024 and 2023: December 31, 2024 Fair value Valuation Unobservable Range Individually Evaluated Commercial real estate $ 7,286 Income approach Adjustment for difference between cap rates of comparable sales ( 56.03 %) - 69.02 % 40.71 %) Commercial 2,418 Quoted price for collateral Offer price 6.67 % Residential 1,132 Sales comparison Adjustment for differences between comparable sales ( 8.91 %) - 6.22 % 7.16 %) December 31, 2023 Fair value Valuation Unobservable Range Individually Evaluated Commercial real estate $ 838 Income approach Adjustment for difference between cap rates of comparable sales ( 49.65 %) - 46.77 % 16.63 %) Commercial 267 Quoted price for collateral Offer price 64.38 % Residential 1,547 Sales comparison Adjustment for differences between comparable sales ( 5.39 %) - ( 2.11 %) 2.67 %)
Carrying Amounts and Estimated Fair Values of Financial Instruments	The carrying amounts and estimated fair values of financial instruments not previously presented, at December 31, 2024 and December 31, 2023 are as follows: Fair Value Measurements at December 31, 2024 Using: Carrying Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 85,738 $ 20,426 $ 65,312 $ 0 $ 85,738 Regulatory stock 30,669 n/a n/a n/a n/a Loans, net 3,232,483 0 0 3,082,292 3,082,292 Financial liabilities Deposits 4,266,779 3,429,116 835,967 0 4,265,083 Short-term borrowings 305,000 0 305,000 0 305,000 Long-term borrowings 86,150 0 78,721 0 78,721 Fair Value Measurements at December 31, 2023 Using: Carrying Level 1 Level 2 Level 3 Total Financial assets Cash and cash equivalents $ 103,658 $ 28,896 $ 74,762 $ 0 $ 103,658 Regulatory stock 20,197 n/a n/a n/a n/a Loans, net 3,163,687 0 0 3,015,732 3,015,732 Financial liabilities Deposits 4,177,386 3,452,104 719,497 0 4,171,601 Short-term borrowings 355,000 0 355,000 0 355,000 Long-term borrowings 88,663 0 70,893 0 70,893

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Premises and Equipment	Year-end premises and equipment owned and utilized in the operations of the Company were as follows: 2024 2023 Land $ 9,514 $ 10,134 Buildings 49,479 40,291 Furniture, fixtures and equipment 21,657 20,281 Leasehold Improvements 4,163 3,440 84,813 74,146 Less accumulated depreciation ( 32,539 ) ( 29,782 ) Net book value $ 52,274 $ 44,364

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Maturities of Lease Liabilities	Maturities of lease liabilities are as follows as of December 31, 2024: 2025 $ 1,393 2026 1,279 2027 1,198 2028 1,214 2029 1,110 Thereafter 5,652 Total Payments 11,846 Less: Imputed Interest ( 1,904 ) Total $ 9,942

Goodwill and Intangible Assets

Goodwill and Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Acquired Intangible Assets	Acquired intangible assets were as follows: 2024 2023 Gross Accumulated Gross Accumulated Other intangible: Customer relationship intangibles $ 7,975 $ ( 7,088 ) $ 7,210 $ ( 6,953 ) Non-compete contracts 457 ( 426 ) 457 ( 413 ) Trade Name 1,131 ( 468 ) 1,126 ( 440 ) Core deposit intangible 32,115 ( 12,946 ) 32,115 ( 10,260 ) Total $ 41,678 $ ( 20,928 ) $ 40,908 $ ( 18,066 )
Estimated Amortization Expense	Estimated amortization expense for each of the next five years and thereafter: 2025 $ 2,899 2026 2,798 2027 2,684 2028 2,674 2029 2,665 Thereafter 7,030 Total $ 20,750

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2024
Banking and Thrift, Interest [Abstract]
Summary of Year-end deposits	Following is a summary of year-end deposits: 2024 2023 Noninterest-bearing demand $ 965,507 $ 1,026,630 Interest-bearing demand 1,366,255 1,362,609 Money market 682,558 593,975 Savings 414,796 468,890 Brokered time deposits 74,951 0 Certificates of deposit 762,712 725,282 Total $ 4,266,779 $ 4,177,386
Summary of Scheduled Maturities of Brokered Deposits and Certifcates of Deposit	Following is a summary of scheduled maturities of brokered deposits and certificates of deposit during the years following December 31, 2024: 2025 $ 790,004 2026 21,574 2027 9,018 2028 4,098 2029 6,550 Thereafter 6,419 Total $ 837,663

Long-Term Borrowings (Tables)

Long-Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Summary of All Junior Subordinated Debentures and Subordinated Debentures	Balances were as follows at December 31, 2024 and 2023: 2024 2023 Amount Amount TSEO Statutory Trust I $ 2,570 $ 2,521 Maple Leaf Financial Statutory Trust II 7,964 7,740 Cortland Statutory Trust I 4,437 4,382 Total junior subordinated debentures owed to unconsolidated subsidiary trusts $ 14,971 $ 14,643 Subordinated debentures 71,179 74,020 Total long-term borrowings $ 86,150 $ 88,663

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Tables)	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
The Contractual Amounts of Financial Instruments with Off-Balance-Sheet Risk at Year End	The contractual amounts of financial instruments with off-balance-sheet risk at year-end were as follows: 2024 2023 Fixed Rate Variable Rate Fixed Rate Variable Rate Commitments and unused lines of credit $ 114,603 $ 622,379 $ 150,697 $ 647,843

Stock Based Compensation (Table

Stock Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
Summary of Award Activity under Plan	The following is the activity under the Plan during 2024: Maximum Weighted Maximum Weighted Beginning balance - non-vested shares 253,776 $ 14.97 209,484 $ 15.01 Granted 87,925 13.28 99,253 13.81 Vested ( 93,104 ) 12.79 ( 66,192 ) 13.79 Forfeited ( 17,167 ) 16.01 ( 19,625 ) 15.05 Ending balance - non-vested shares 231,430 $ 14.35 222,920 $ 14.57 The following is the activity under the Plan during 2023: Maximum Weighted Maximum Weighted Beginning balance - non-vested shares 193,015 $ 16.69 137,369 $ 15.85 Granted 105,891 10.63 102,750 14.16 Vested ( 41,401 ) 12.78 ( 30,635 ) 14.35 Forfeited ( 3,729 ) 14.65 0 0.00 Ending balance - non-vested shares 253,776 $ 14.97 209,484 $ 15.01

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Schedule of Actual and Required Capital Amounts (Not Including Capital Conservation Buffer) and Ratios	Actual and required capital amounts (not including the capital conservation buffer) and ratios are presented below at year-end Actual Requirement For Capital To be Well Capitalized Amount Ratio Amount Ratio Amount Ratio 2024 Common equity tier 1 capital ratio Consolidated $ 415,825 11.14 % $ 167,991 4.5 % N/A N/A Bank 442,747 11.88 % 167,712 4.5 % 242,251 6.5 % Total risk based capital ratio Consolidated 543,250 14.55 % 298,651 8.0 % N/A N/A Bank 480,173 12.88 % 298,155 8.0 % 372,694 10.0 % Tier I risk based capital ratio Consolidated 433,825 11.62 % 223,988 6.0 % N/A N/A Bank 442,747 11.88 % 223,616 6.0 % 298,155 8.0 % Tier I leverage ratio Consolidated 433,825 8.36 % 207,544 4.0 % N/A N/A Bank 442,747 8.55 % 207,066 4.0 % 258,832 5.0 % 2023 Common equity tier 1 capital ratio Consolidated $ 392,244 10.61 % $ 166,303 4.5 % N/A N/A Bank 411,304 11.15 % 165,996 4.5 % 239,772 6.5 % Total risk based capital ratio Consolidated 519,684 14.06 % 295,650 8.0 % N/A N/A Bank 447,584 12.13 % 295,104 8.0 % 368,881 10.0 % Tier I risk based capital ratio Consolidated 410,244 11.10 % 221,737 6.0 % N/A N/A Bank 411,304 11.15 % 221,328 6.0 % 295,104 8.0 % Tier I leverage ratio Consolidated 410,244 8.02 % 204,598 4.0 % N/A N/A Bank 411,304 8.07 % 203,989 4.0 % 254,986 5.0 %

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Provision for Income Taxes (Credit)	The provision for income taxes (credit) consists of the following: 2024 2023 2022 Current expense $ 7,089 $ 9,230 $ 10,885 Deferred expense (benefit) 2,389 ( 464 ) 1,353 Totals $ 9,478 $ 8,766 $ 12,238
Effective Tax Rates Differ from Federal Statutory Rate	Effective tax rates differ from the federal statutory rate of 21 % that were applied to income before income taxes due to the following: 2024 2023 2022 Statutory tax $ 11,640 $ 12,327 $ 15,295 Effect of nontaxable interest ( 1,771 ) ( 2,040 ) ( 2,591 ) Bank owned life insurance, net ( 558 ) ( 513 ) ( 380 ) Tax credit investments ( 565 ) ( 366 ) ( 194 ) Effect of nontaxable insurance premiums 0 ( 404 ) ( 318 ) Stock compensation 28 41 ( 63 ) Other 704 ( 279 ) 489 Actual tax $ 9,478 $ 8,766 $ 12,238
Deferred Tax Assets (Liabilities)	Deferred tax assets (liabilities) are comprised of the following: 2024 2023 Deferred tax assets: Allowance for credit losses $ 7,548 $ 7,235 Net unrealized loss on securities available for sale 51,267 45,599 Net unrealized loss on swap derivative 107 269 Basis in investment securities 6,551 6,976 Purchase accounting adjustments 2,797 4,147 Deferred and accrued compensation 2,310 2,060 Nonaccrual loan interest income 358 659 Restricted stock 856 795 Lease liabilities 2,340 2,164 Other 0 198 Gross deferred tax assets $ 74,134 $ 70,102 Deferred tax liabilities: Depreciation and amortization $ ( 1,738 ) $ ( 1,701 ) Mortgage servicing rights ( 651 ) ( 725 ) Prepaid expenses ( 45 ) ( 41 ) Lease right of use asset ( 2,281 ) ( 2,116 ) Other ( 783 ) 0 Gross deferred tax liabilities ( 5,498 ) ( 4,583 ) Net deferred tax asset $ 68,636 $ 65,519

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2024
Comprehensive Income (Loss), Net of Tax, Attributable to Parent [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	The following table represents the changes in accumulated other comprehensive income (loss) by component, net of tax, for the years ended December 31, 2024 and 2023. Net unrealized Reclassification Change in Total December 31, 2024 Beginning balance $ ( 171,539 ) $ ( 1,013 ) $ ( 2 ) $ ( 172,554 ) Other comprehensive (loss) before reclassification ( 23,439 ) 0 0 ( 23,439 ) Amounts reclassified from accumulated other comprehensive income 2,118 610 0 2,728 Net current period other comprehensive (loss) income ( 21,321 ) 610 0 ( 20,711 ) Ending balance $ ( 192,860 ) $ ( 403 ) $ ( 2 ) $ ( 193,265 ) December 31, 2023 Beginning balance $ ( 210,489 ) $ 0 $ ( 1 ) $ ( 210,490 ) Other comprehensive income (loss) before reclassification 38,557 0 ( 1 ) 38,556 Amounts reclassified from accumulated other comprehensive income (loss) 393 ( 1,013 ) 0 ( 620 ) Net current period other comprehensive income (loss) 38,950 ( 1,013 ) ( 1 ) 37,936 Ending balance $ ( 171,539 ) $ ( 1,013 ) $ ( 2 ) $ ( 172,554 )

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2024
Related Party Transactions [Abstract]
Loans to Principal Officers, Directors, and Their Affiliates	Loans to principal officers, directors, and their affiliates during 2024 and 2023 were as follows: 2024 2023 Beginning balance $ 12,954 $ 10,491 New loans 23,250 4,404 Repayments ( 2,754 ) ( 1,941 ) Ending balance $ 33,450 $ 12,954

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings Per Share	The factors used in the earnings per share computation follow: 2024 2023 2022 Basic EPS Net income $ 45,949 $ 49,932 $ 60,597 Weighted average shares outstanding 37,327,848 37,384,122 33,844,945 Basic earnings per share $ 1.23 $ 1.34 $ 1.79 Diluted EPS Net income $ 45,949 $ 49,932 $ 60,597 Weighted average shares for basic earnings per share 37,327,848 37,384,122 33,844,945 Average unvested restricted stock awards 184,037 114,147 83,994 Weighted average shares for diluted earnings per share 37,511,885 37,498,269 33,928,939 Diluted earnings per share $ 1.22 $ 1.33 $ 1.79

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Summary of the Interest Rate Swap Designated as a Fair Value Hedge	A summary of the interest rate swap designated as a fair value hedge is presented below: December 31, 2024 December 31, 2023 Notional amount fair value hedge $ 100,000 $ 100,000 Fixed pay rates 4.35 % 4.35 % Variable SOFR receive rates 4.49 % 5.38 % Remaining maturity (in years) 1.6 2.6 Fair value $ ( 168 ) $ ( 836 )
Summary of Non-Designated Derivative Instruments used for Risk Management	The net gains (losses) relating to non-designated derivative instruments used for risk management are included in Net Gains on Sale of Loans on the Consolidated Statements of Income and are summarized below for the years ended December 31: 2024 2023 2022 Forward sales contracts $ 31 $ ( 45 ) $ 362 Interest rate lock commitments ( 89 ) 87 21
Summary of Fair Value of Derivatives in Consolidated Balance Sheets	The following table reflects the amount and fair value of mortgage banking derivatives included in the Consolidated Balance Sheets as on December 31: 2024 2023 Notional Fair Notional Fair Amount Value Amount Value Included in other assets: Forward sales contracts $ 6,500 $ 17 $ 0 $ 0 Interest rate lock commitments 4,896 19 7,400 109 Total included in other assets $ 11,396 $ 36 $ 7,400 $ 109 Included in other liabilities: Forward sales contracts $ 0 $ 0 $ 3,300 $ ( 14 )

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Schedule of Segment Reporting Information	Significant segment totals are reconciled to the financial statements as follows: December 31, 2024 Trust Bank Consolidated Segment Total assets for reportable segments $ 17,204 $ 5,104,012 $ 5,121,216 Eliminations and other ( 2,292 ) Total consolidated assets $ 5,118,924 December 31, 2023 Trust Bank Consolidated Segment Total assets for reportable segments $ 15,845 $ 5,065,150 $ 5,080,995 Eliminations and other ( 2,645 ) Total consolidated assets $ 5,078,350 For year ended 2024 Trust Bank Consolidated Segment Interest income - loans including fees $ 0 $ 185,710 $ 185,710 Interest income - investments 0 36,675 36,675 Trust fees 10,099 0 10,099 Retirement plan consulting fees 2,637 0 2,637 Total consolidated segment revenues 12,736 222,385 235,121 Reconciliation of revenue Other revenues 34,327 Total consolidated revenues $ 269,448 Interest expense - deposits 0 81,169 81,169 Interest expense - borrowings 0 18,195 18,195 Provision for credit losses and unfunded loans 0 7,966 7,966 Payroll expenses 5,398 53,467 58,865 Total consolidated segment expenses 5,398 160,797 166,195 Segment profit 7,338 61,588 68,926 Reconciliation of expenses Other expenses * 47,826 Total consolidated expenses $ 214,021 Total consolidated income before taxes $ 55,427 Other segment disclosures Occupancy and equipment $ 528 $ 15,020 $ 15,548 Intangible amortization $ 48 $ 2,813 $ 2,861 For year ended 2023 Trust Bank Consolidated Segment Interest income - loans including fees $ 0 $ 171,808 $ 171,808 Interest income - investments 0 36,869 36,869 Trust fees 9,047 0 9,047 Retirement plan consulting fees 2,467 0 2,467 Total consolidated segment revenues 11,514 208,677 220,191 Reconciliation of revenue Other revenues 35,005 Total consolidated revenues $ 255,196 Interest expense - deposits 0 63,106 63,106 Interest expense - borrowings 0 12,443 12,443 Provision for credit losses and unfunded loans 0 9,153 9,153 Payroll expenses 4,950 52,351 57,301 Total consolidated segment expenses 4,950 137,053 142,003 Segment profit 6,564 71,624 78,188 Reconciliation of expenses Other expenses * 54,495 Total consolidated expenses $ 196,498 Total consolidated income before taxes $ 58,698 Other segment disclosures Occupancy and equipment $ 434 $ 14,973 $ 15,407 Intangible amortization $ 60 $ 3,374 $ 3,434 For year ended 2022 Trust Bank Consolidated Segment Interest income - loans including fees $ 0 $ 107,790 $ 107,790 Interest income - investments 0 32,565 32,565 Trust fees 8,460 0 8,460 Retirement plan consulting fees 2,567 0 2,567 Total consolidated segment revenues 11,027 140,355 151,382 Reconciliation of revenue Other revenues 34,906 Total consolidated revenues $ 186,288 Interest expense - deposits 0 13,085 13,085 Interest expense - borrowings 0 4,835 4,835 Provision for credit losses and unfunded loans 0 1,122 1,122 Payroll expenses 4,746 39,913 44,659 Total consolidated segment expenses 4,746 58,955 63,701 Segment profit 6,281 81,400 87,681 Reconciliation of expenses Other expenses * 49,752 Total consolidated expenses $ 113,453 Total consolidated income before taxes $ 72,835 Other segment disclosures Occupancy and equipment $ 416 $ 10,941 $ 11,357 Intangible amortization $ 75 $ 1,898 $ 1,973

Parent Company Only Condensed_2

Parent Company Only Condensed Financial Information (Tables)	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
Schedule of Parent Company Only Condensed Financial Information	Below is condensed financial information of Farmers National Banc Corp. (parent company only). This information should be read in conjunction with the consolidated financial statements and related notes. December 31, 2024 2023 BALANCE SHEETS Assets: Cash $ 46,011 $ 57,071 Investment in subsidiaries Bank 432,271 424,393 Farmers Trust 15,131 13,431 Captive 0 0 Other investments 306 424 Total assets $ 493,719 $ 495,319 Liabilities: Other liabilities $ 1,541 $ 2,241 Subordinated debt 86,150 88,663 Total liabilities 87,691 90,904 Total stockholders' equity 406,028 404,415 Total liabilities and stockholders' equity $ 493,719 $ 495,319 STATEMENTS OF INCOME Years ended December 31, 2024 2023 2022 Income: Dividends from subsidiaries Bank $ 20,000 $ 20,000 $ 30,000 Farmers Trust 3,000 4,000 8,000 Captive Insurance 0 0 1,400 Gain on debt extinguishment 444 0 0 Interest and dividends on securities 0 44 0 Total Income 23,444 24,044 39,400 Interest on borrowings 4,090 4,086 3,428 Other expenses 3,418 4,109 3,451 Income before income tax benefit and undistributed 15,936 15,849 32,521 Income tax benefit 1,475 1,624 1,345 Equity in undistributed net income of subsidiaries Bank 26,837 30,848 25,935 Farmers Trust 1,701 ( 320 ) 662 Captive 0 1,931 134 Net Income $ 45,949 $ 49,932 $ 60,597 Comprehensive Income $ 25,238 $ 87,868 $ ( 159,188 ) STATEMENTS OF CASH FLOWS Years ended December 31, 2024 2023 2022 Cash flows from operating activities: Net income $ 45,949 $ 49,932 $ 60,597 Adjustments to reconcile net income to net cash from Dividends in excess of net income (Equity in ( 28,538 ) ( 32,459 ) ( 26,731 ) (Gain) on debt extinguishment ( 444 ) 0 0 Other ( 104 ) 5,481 559 Net cash from operating activities 16,863 22,954 34,425 Cash flows from investing activities: Net cash paid in business combinations 0 ( 33,440 ) 0 Net cash from investing activities 0 ( 33,440 ) 0 Cash flows from financing activities: Repurchase of common shares 0 ( 11,544 ) 0 Redemption of subordinated debentures ( 2,535 ) 0 0 Cash dividends paid ( 25,388 ) ( 25,396 ) ( 22,004 ) Net cash from financing activities ( 27,923 ) ( 36,940 ) ( 22,004 ) Net change in cash and cash equivalents ( 11,060 ) ( 47,426 ) 12,421 Beginning cash and cash equivalents 57,071 104,497 92,076 Ending cash and cash equivalents $ 46,011 $ 57,071 $ 104,497

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) County_Economy Segment Location	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Summary of Significant Accounting Policies (Additional Textual) [Abstract]
Operating segments of business | Segment	2
Number of locations served by bank | Location	62
Purchased and sold period of federal fund	1 day
Delinquent period of principal or interest payment on debt security become non-accrual status	90 days
Delinquent period of loans after which interest income is discontinued	90 days
Number of county economy from which credit risk exposure effected | County_Economy	19
Percentage of portfolio loans secured by real estate	73.20%
Loan balance	$ 3,268,346	$ 3,198,127
Fair value of mortgage servicing rights	5,200	5,390
Valuation allowance against servicing assets	35	37	$ 17
Other real estate owned properties	52	92
Restricted stock	$ 30,700	20,200
Recognized tax amount	50%
Increase in allowance for credit losses	$ 1,400
Financing receivable, purchased with credit deterioration, amount at purchase price	$ 250
ASU 2016-13
Summary of Significant Accounting Policies (Additional Textual) [Abstract]
Change in accounting principle, accounting standards update, adopted [true false]	true
ASU 2022-02
Summary of Significant Accounting Policies (Additional Textual) [Abstract]
Change in accounting principle, accounting standards update, adopted [true false]	true
Change in accounting principle, accounting standards update, adoption date	Jan. 01, 2023
Minimum | Allowance For Credit Loss
Summary of Significant Accounting Policies (Additional Textual) [Abstract]
Loan balance	$ 500
Minimum | Allowance For Credit Loss | Consumer
Summary of Significant Accounting Policies (Additional Textual) [Abstract]
Loan balance	$ 250
Minimum | Core Deposits
Summary of Significant Accounting Policies (Textual) [Abstract]
Intangible assets amortized period	7 years
Minimum | Customer Relationships
Summary of Significant Accounting Policies (Textual) [Abstract]
Intangible assets amortized period	13 years
Maximum | Core Deposits
Summary of Significant Accounting Policies (Textual) [Abstract]
Intangible assets amortized period	8 years
Maximum | Customer Relationships
Summary of Significant Accounting Policies (Textual) [Abstract]
Intangible assets amortized period	15 years
Buildings | Minimum
Summary of Significant Accounting Policies (Textual) [Abstract]
Range of buildings and furniture depreciated	5 years
Buildings | Maximum
Summary of Significant Accounting Policies (Textual) [Abstract]
Range of buildings and furniture depreciated	40 years
Furniture Fixtures and Equipment | Minimum
Summary of Significant Accounting Policies (Textual) [Abstract]
Range of buildings and furniture depreciated	3 years
Furniture Fixtures and Equipment | Maximum
Summary of Significant Accounting Policies (Textual) [Abstract]
Range of buildings and furniture depreciated	10 years
Mortgage Servicing Rights
Summary of Significant Accounting Policies (Additional Textual) [Abstract]
Valuation allowance against servicing assets	$ 89	$ 54

Business Combinations (Details

Business Combinations (Details Textual) - USD ($) $ / shares in Units, $ in Thousands			12 Months Ended
	Dec. 16, 2024	Jan. 01, 2023	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2024	Nov. 01, 2021
Business Acquisition [Line Items]
Goodwill			$ 167,446		$ 167,450
Crest Retirement Advisors LLC
Business Acquisition [Line Items]
Business combination, date of acquisition	Dec. 16, 2024
Business combination, assets acquired	$ 600
Contingent consideration payable	400
Business combination, intangible assets acquired	770
Goodwill	$ 4
Cortland Bank
Business Acquisition [Line Items]
Nonrecurring merger costs				$ 4,400
Emclaire Financial Corp
Business Acquisition [Line Items]
Business combination, assets acquired		$ 977,621
Business acquisition, date of merger agreement		Jan. 01, 2023
Cash consideration per share				$ 14.12
Maximum percentage of common shares exchanged for company shares under merger agreement		70%
Remaining percentage of common shares exchanged for company cash under merger agreement		30%
Value of stock issued for acquisition		$ 33,440
Fair value of total consideration transferred		92,642		$ 92,600
Merger related costs			$ 5,500	$ 2,000
Goodwill		$ 72,938				$ 72,900
Emclaire Financial Corp | Common Stock
Business Acquisition [Line Items]
Cash consideration per share		$ 40
Shares of stock issued for acquisition		2.15		4,200,000
Value of stock issued for acquisition				$ 33,400
PCD Loans
Business Acquisition [Line Items]
Business combination acquired receivables with fair value		$ 714,400
Business combination acquired loans with gross contractual amounts receivable		$ 764,800

Business Combinations (Details)

Business Combinations (Details) - USD ($) $ in Thousands		12 Months Ended
	Jan. 01, 2023	Dec. 31, 2022	Dec. 31, 2024	Dec. 31, 2023	Nov. 01, 2021
Fair value of liabilities assumed
Goodwill created			$ 167,450	$ 167,446
Emclaire Financial Corp
Consideration
Cash	$ 33,440
Stock	59,202
Fair value of total consideration transferred	92,642	$ 92,600
Fair value of assets acquired
Cash and cash equivalents	20,265
Securities available for sale	126,970
Other investments	7,795
Loans, net	740,659
Premises and equipment	14,808
Bank owned life insurance	22,485
Core deposit intangible	19,249
Current and deferred taxes	17,708
Other assets	7,682
Total assets acquired	977,621
Fair value of liabilities assumed
Deposits	875,813
Short-term borrowings	75,000
Accrued interest payable and other liabilities	7,104
Total liabilities	957,917
Net assets acquired	19,704
Goodwill created	72,938				$ 72,900
Total net assets acquired	$ 92,642

Business Combinations (Detail_2

Business Combinations (Details 1) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) $ / shares
Business Combinations [Abstract]
Net interest income	$ 168,692
Provision for credit losses	17,246
Noninterest income	47,206
Noninterest expense	137,930
Income before income taxes	60,722
Income tax expense	10,007
Net income	$ 50,715
Basic earnings per share | $ / shares	$ 1.34
Diluted earnings per share | $ / shares	$ 1.33

Securities Available for Sale_2

Securities Available for Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	$ 1,510,681	$ 1,516,841
Gross Unrealized Gains	1,585	5,424
Gross Unrealized Losses	(245,713)	(222,564)
Fair Value	1,266,553	1,299,701
U.S. Treasury and U.S. government sponsored entities
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	132,292	145,439
Gross Unrealized Gains	0	113
Gross Unrealized Losses	(17,185)	(17,597)
Fair Value	115,107	127,955
State and political subdivisions
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	609,950	644,880
Gross Unrealized Gains	1,294	4,792
Gross Unrealized Losses	(106,364)	(93,503)
Fair Value	504,880	556,169
Corporate bonds
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	17,849	18,554
Gross Unrealized Gains	172	187
Gross Unrealized Losses	(573)	(466)
Fair Value	17,448	18,275
Mortgage-backed securities - residential
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	605,350	624,529
Gross Unrealized Gains	34	1
Gross Unrealized Losses	(112,517)	(104,144)
Fair Value	492,867	520,386
Collateralized mortgage obligations
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	142,525	80,227
Gross Unrealized Gains	85	331
Gross Unrealized Losses	(8,834)	(6,559)
Fair Value	133,776	73,999
Small Business Administration
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	2,715	3,212
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(240)	(295)
Fair Value	$ 2,475	$ 2,917

Securities Available for Sale_3

Securities Available for Sale (Details 1) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Proceeds from sales of available-for-sale securities and the associated gains and losses
Proceeds	$ 49,728	$ 85,306	$ 37,190
Gross gains	17	441	6
Gross losses	$ (2,698)	$ (939)	$ (421)

Securities Available for Sale_4

Securities Available for Sale (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) Securities	Dec. 31, 2023 USD ($) Securities	Dec. 31, 2022 USD ($)
Debt Securities, Available-for-Sale [Line Items]
Tax provision related to net realized gain	$ (563)	$ (105)	$ (87)
Pledged to secure public deposits and repurchase agreements and Pledge to qualify carrying amount of securities	$ 852,400	$ 1,100,000
Number of securities not more than 10% of stockholder equities | Securities	0	0
Number of securities | Securities	946	978
Number of securities on unrealized loss position | Securities	842	743
Small Business Investment Company Partnership Investments
Debt Securities, Available-for-Sale [Line Items]
Equity securities	$ 14,500	$ 14,900
Local and Regional Bank Holdings and Other Miscellaneous Equity Funds
Debt Securities, Available-for-Sale [Line Items]
Equity securities	277	226
Farmers Trust Company
Debt Securities, Available-for-Sale [Line Items]
Pledged to secure public deposits and repurchase agreements and Pledge to qualify carrying amount of securities	$ 117	$ 117

Securities Available for Sale_5

Securities Available for Sale (Details 2) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Amortized cost and fair value of the debt securities maturity
Amortized Cost, Within one year	$ 2,382
Amortized Cost, One to five years	68,001
Amortized Cost, Five to ten years	175,756
Amortized Cost, Beyond ten years	513,952
Amortized Cost, Mortgage-backed Securities, Collateralized Mortgage Obligations and Small Business Administration	750,590
Amortized Cost	1,510,681	$ 1,516,841
Fair Value, Within one year	2,377
Fair Value, One to five years	60,891
Fair Value, Five to ten years	157,992
Fair Value, Beyond ten years	416,175
Fair Value, Mortgage-backed Securities, Collateralized Mortgage Obligations and Small Business Administration	629,118
Fair Value, Total	$ 1,266,553	$ 1,299,701

Securities Available for Sale_6

Securities Available for Sale (Details 3) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Investment securities with unrealized losses
Fair Value, Less Than 12 Months	$ 170,520	$ 49,846
Unrealized Losses, Less Than 12 Months	(7,987)	(3,025)
Fair Value, 12 Months or Longer	1,034,046	1,116,642
Unrealized Losses, 12 Months or Longer	(237,726)	(219,539)
Fair Value, Total	1,204,566	1,166,488
Unrealized Losses, Total	(245,713)	(222,564)
U.S. Treasury and U.S. government sponsored entities
Investment securities with unrealized losses
Fair Value, Less Than 12 Months	4,592	399
Unrealized Losses, Less Than 12 Months	(320)	(1)
Fair Value, 12 Months or Longer	110,515	122,361
Unrealized Losses, 12 Months or Longer	(16,865)	(17,596)
Fair Value, Total	115,107	122,760
Unrealized Losses, Total	(17,185)	(17,597)
State and political subdivisions
Investment securities with unrealized losses
Fair Value, Less Than 12 Months	66,436	15,852
Unrealized Losses, Less Than 12 Months	(4,946)	(1,684)
Fair Value, 12 Months or Longer	400,911	428,416
Unrealized Losses, 12 Months or Longer	(101,418)	(91,819)
Fair Value, Total	467,347	444,268
Unrealized Losses, Total	(106,364)	(93,503)
Corporate bonds
Investment securities with unrealized losses
Fair Value, Less Than 12 Months	4,303	8,463
Unrealized Losses, Less Than 12 Months	(146)	(284)
Fair Value, 12 Months or Longer	8,568	3,881
Unrealized Losses, 12 Months or Longer	(427)	(182)
Fair Value, Total	12,871	12,344
Unrealized Losses, Total	(573)	(466)
Mortgage-backed securities - residential
Investment securities with unrealized losses
Fair Value, Less Than 12 Months	30,143	5,113
Unrealized Losses, Less Than 12 Months	(365)	(76)
Fair Value, 12 Months or Longer	460,172	515,259
Unrealized Losses, 12 Months or Longer	(112,152)	(104,068)
Fair Value, Total	490,315	520,372
Unrealized Losses, Total	(112,517)	(104,144)
Collateralized mortgage obligations
Investment securities with unrealized losses
Fair Value, Less Than 12 Months	65,046	20,019
Unrealized Losses, Less Than 12 Months	(2,210)	(980)
Fair Value, 12 Months or Longer	51,405	43,808
Unrealized Losses, 12 Months or Longer	(6,624)	(5,579)
Fair Value, Total	116,451	63,827
Unrealized Losses, Total	(8,834)	(6,559)
Small Business Administration
Investment securities with unrealized losses
Fair Value, Less Than 12 Months	0	0
Unrealized Losses, Less Than 12 Months	0	0
Fair Value, 12 Months or Longer	2,475	2,917
Unrealized Losses, 12 Months or Longer	(240)	(295)
Fair Value, Total	2,475	2,917
Unrealized Losses, Total	$ (240)	$ (295)

Loans (Details)

Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Schedule of loan balances
Total originated loans	$ 3,268,346	$ 3,198,127
Net deferred loan costs	10,225	8,757
Allowance for credit losses	(35,863)	(34,440)	$ (26,978)	$ (29,386)
Net loans	3,232,483	3,163,687
Commercial real estate
Schedule of loan balances
Allowance for credit losses	(19,259)	(18,150)	(14,840)	(15,879)
Commercial
Schedule of loan balances
Allowance for credit losses	(4,628)	(5,087)	(4,186)	(4,949)
Residential real estate
Schedule of loan balances
Total originated loans	845,539	843,561
Allowance for credit losses	(7,271)	(6,916)	(4,374)	(4,870)
Consumer
Schedule of loan balances
Allowance for credit losses	(4,705)	(4,287)	$ (3,578)	$ (3,688)
Commercial real estate, Owner occupied | Commercial real estate
Schedule of loan balances
Total originated loans	391,108	399,028
Commercial real estate, Non-owner occupied | Commercial real estate
Schedule of loan balances
Total originated loans	695,284	711,795
Commercial real estate, Farmland | Commercial real estate
Schedule of loan balances
Total originated loans	206,600	202,726
Commercial real estate, Other | Commercial real estate
Schedule of loan balances
Total originated loans	295,181	223,777
Commercial, Commercial and industrial | Commercial
Schedule of loan balances
Total originated loans	351,533	347,819
Residential real estate, 1-4 family residential | Residential real estate
Schedule of loan balances
Total originated loans	845,539	843,561
Commercial, Agricultural | Commercial
Schedule of loan balances
Total originated loans	56,429	59,075
Residential real estate, Home equity lines of credit | Residential real estate
Schedule of loan balances
Total originated loans	158,139	142,471
Consumer, Indirect | Consumer
Schedule of loan balances
Total originated loans	241,355	234,886
Consumer, Direct | Consumer
Schedule of loan balances
Total originated loans	19,185	23,825
Consumer, Other | Consumer
Schedule of loan balances
Total originated loans	7,993	9,164
Originated Loans
Schedule of loan balances
Total originated loans	3,258,121	3,189,370
Originated Loans | Commercial real estate, Owner occupied | Commercial real estate
Schedule of loan balances
Total originated loans	391,302	399,273
Originated Loans | Commercial real estate, Non-owner occupied | Commercial real estate
Schedule of loan balances
Total originated loans	695,699	712,315
Originated Loans | Commercial real estate, Farmland | Commercial real estate
Schedule of loan balances
Total originated loans	206,786	202,950
Originated Loans | Commercial real estate, Other | Commercial real estate
Schedule of loan balances
Total originated loans	295,713	224,218
Originated Loans | Commercial, Commercial and industrial | Commercial
Schedule of loan balances
Total originated loans	349,966	346,354
Originated Loans | Residential real estate, 1-4 family residential | Residential real estate
Schedule of loan balances
Total originated loans	845,081	843,697
Originated Loans | Commercial, Agricultural | Commercial
Schedule of loan balances
Total originated loans	55,606	58,338
Originated Loans | Residential real estate, Home equity lines of credit | Residential real estate
Schedule of loan balances
Total originated loans	158,014	142,441
Originated Loans | Consumer, Indirect | Consumer
Schedule of loan balances
Total originated loans	232,822	226,815
Originated Loans | Consumer, Direct | Consumer
Schedule of loan balances
Total originated loans	19,143	23,805
Originated Loans | Consumer, Other | Consumer
Schedule of loan balances
Total originated loans	$ 7,989	$ 9,164

Loans (Details 1)

Loans (Details 1) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning Balance	$ 34,440	$ 26,978	$ 29,386
Provision for credit losses	8,244	8,718	250
PCD ACL on loans acquired		999
Loans charged off	(7,987)	(2,937)	(3,304)
Recoveries	1,166	682	646
Ending Balance	35,863	34,440	26,978
Commercial real estate
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning Balance	18,150	14,840	15,879
Provision for credit losses	5,706	2,808	(742)
PCD ACL on loans acquired		850
Loans charged off	(4,619)	(349)	(300)
Recoveries	22	1	3
Ending Balance	19,259	18,150	14,840
Commercial
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning Balance	5,087	4,186	4,949
Provision for credit losses	763	1,931	1,204
PCD ACL on loans acquired		138
Loans charged off	(1,742)	(1,272)	(2,042)
Recoveries	520	104	75
Ending Balance	4,628	5,087	4,186
Residential real estate
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning Balance	6,916	4,374	4,870
Provision for credit losses	333	2,834	(493)
PCD ACL on loans acquired		11
Loans charged off	(155)	(384)	(92)
Recoveries	177	81	89
Ending Balance	7,271	6,916	4,374
Consumer
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning Balance	4,287	3,578	3,688
Provision for credit losses	1,442	1,145	281
PCD ACL on loans acquired		0
Loans charged off	(1,471)	(932)	(870)
Recoveries	447	496	479
Ending Balance	$ 4,705	$ 4,287	$ 3,578

Loans (Details 2)

Loans (Details 2) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Past Due [Line Items]
Nonaccrual with no allowance for credit loss	$ 2,789,000	$ 5,052,000
Nonaccrual with an allowance for credit loss	17,814,000	7,728,000
Loans Past Due 90 Days or More Still Accruing	615,000	655,000
Commercial real estate, Non-Owner occupied | Commercial real estate
Financing Receivable, Past Due [Line Items]
Nonaccrual with no allowance for credit loss	1,520,000	1,630,000
Originated Loans | Commercial real estate, Owner occupied | Commercial real estate
Financing Receivable, Past Due [Line Items]
Nonaccrual with no allowance for credit loss	0	1,804,000
Nonaccrual with an allowance for credit loss	937,000	830,000
Loans Past Due 90 Days or More Still Accruing	0	0
Originated Loans | Commercial real estate, Non-Owner occupied | Commercial real estate
Financing Receivable, Past Due [Line Items]
Nonaccrual with no allowance for credit loss	0	19,000
Nonaccrual with an allowance for credit loss	8,105,000	1,491,000
Loans Past Due 90 Days or More Still Accruing	0	0
Originated Loans | Commercial real estate, Farmland | Commercial real estate
Financing Receivable, Past Due [Line Items]
Nonaccrual with no allowance for credit loss	1,757,000	1,957,000
Nonaccrual with an allowance for credit loss	3,000	9,000
Loans Past Due 90 Days or More Still Accruing	0	0
Originated Loans | Commercial real estate, Other | Commercial real estate
Financing Receivable, Past Due [Line Items]
Nonaccrual with no allowance for credit loss	0	0
Nonaccrual with an allowance for credit loss	0	80,000
Loans Past Due 90 Days or More Still Accruing	0	0
Originated Loans | Commercial, Commercial and industrial | Commercial
Financing Receivable, Past Due [Line Items]
Nonaccrual with no allowance for credit loss	145,000	394,000
Nonaccrual with an allowance for credit loss	3,713,000	1,408,000
Loans Past Due 90 Days or More Still Accruing	0	0
Originated Loans | Commercial, Agricultural | Commercial
Financing Receivable, Past Due [Line Items]
Nonaccrual with no allowance for credit loss	177,000	203,000
Nonaccrual with an allowance for credit loss	183,000	317,000
Loans Past Due 90 Days or More Still Accruing	0	0
Originated Loans | Residential real estate, 1-4 family residential | Residential real estate
Financing Receivable, Past Due [Line Items]
Nonaccrual with no allowance for credit loss	513,000	348,000
Nonaccrual with an allowance for credit loss	3,967,000	3,009,000
Loans Past Due 90 Days or More Still Accruing	90,000	460,000
Originated Loans | Residential real estate, Home equity lines of credit | Residential real estate
Financing Receivable, Past Due [Line Items]
Nonaccrual with no allowance for credit loss	94,000	240,000
Nonaccrual with an allowance for credit loss	409,000	210,000
Loans Past Due 90 Days or More Still Accruing	0	69,000
Originated Loans | Consumer Indirect | Consumer
Financing Receivable, Past Due [Line Items]
Nonaccrual with no allowance for credit loss	37,000	22,000
Nonaccrual with an allowance for credit loss	463,000	300,000
Loans Past Due 90 Days or More Still Accruing	0	125,000
Originated Loans | Consumer, Direct | Consumer
Financing Receivable, Past Due [Line Items]
Nonaccrual with no allowance for credit loss	66,000	65,000
Nonaccrual with an allowance for credit loss	34,000	69,000
Loans Past Due 90 Days or More Still Accruing	0	1,000
Originated Loans | Consumer, Other | Consumer
Financing Receivable, Past Due [Line Items]
Nonaccrual with no allowance for credit loss	0	0
Nonaccrual with an allowance for credit loss	0	5,000
Loans Past Due 90 Days or More Still Accruing	$ 525,000	$ 0

Loans (Details 3)

Loans (Details 3) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	$ 3,268,346	$ 3,198,127
Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	13,713	8,836
Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	2,768	1,070
Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	79	72
Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	66	66
Originated Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	3,258,121	3,189,370
Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	9,624	11,339
Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	3,408	5,366
Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	21,218	13,435
Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	34,250	30,140
Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	3,234,096	3,167,987
Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	845,539	843,561
Commercial real estate, Owner occupied | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		1,804
Commercial real estate, Owner occupied | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial real estate, Owner occupied | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial real estate, Owner occupied | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial real estate, Owner occupied | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	391,108	399,028
Commercial real estate, Owner occupied | Commercial real estate | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial real estate, Owner occupied | Commercial real estate | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial real estate, Owner occupied | Commercial real estate | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial real estate, Owner occupied | Commercial real estate | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial real estate, Owner occupied | Commercial real estate | Originated Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	391,302	399,273
Commercial real estate, Owner occupied | Commercial real estate | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	95	302
Commercial real estate, Owner occupied | Commercial real estate | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	446	293
Commercial real estate, Owner occupied | Commercial real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	937	2,634
Commercial real estate, Owner occupied | Commercial real estate | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	1,478	3,229
Commercial real estate, Owner occupied | Commercial real estate | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	389,630	395,799
Commercial real estate, Non-owner occupied | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		1,335
Commercial real estate, Non-owner occupied | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial real estate, Non-owner occupied | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial real estate, Non-owner occupied | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial real estate, Non-owner occupied | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	695,284	711,795
Commercial real estate, Non-owner occupied | Commercial real estate | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	8,119
Commercial real estate, Non-owner occupied | Commercial real estate | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial real estate, Non-owner occupied | Commercial real estate | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial real estate, Non-owner occupied | Commercial real estate | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial real estate, Non-owner occupied | Commercial real estate | Originated Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	695,699	712,315
Commercial real estate, Non-owner occupied | Commercial real estate | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	15	90
Commercial real estate, Non-owner occupied | Commercial real estate | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	52	0
Commercial real estate, Non-owner occupied | Commercial real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	8,105	1,510
Commercial real estate, Non-owner occupied | Commercial real estate | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	8,172	1,600
Commercial real estate, Non-owner occupied | Commercial real estate | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	687,112	710,195
Commercial real estate, Farmland | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		1,957
Commercial real estate, Farmland | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial real estate, Farmland | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial real estate, Farmland | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial real estate, Farmland | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	206,600	202,726
Commercial real estate, Farmland | Commercial real estate | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	1,757
Commercial real estate, Farmland | Commercial real estate | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial real estate, Farmland | Commercial real estate | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial real estate, Farmland | Commercial real estate | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial real estate, Farmland | Commercial real estate | Originated Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	206,786	202,950
Commercial real estate, Farmland | Commercial real estate | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	53	365
Commercial real estate, Farmland | Commercial real estate | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0	0
Commercial real estate, Farmland | Commercial real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	1,760	1,966
Commercial real estate, Farmland | Commercial real estate | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	1,813	2,331
Commercial real estate, Farmland | Commercial real estate | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	204,787	200,395
Commercial real estate, Other | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial real estate, Other | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial real estate, Other | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial real estate, Other | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial real estate, Other | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	295,181	223,777
Commercial real estate, Other | Commercial real estate | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial real estate, Other | Commercial real estate | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial real estate, Other | Commercial real estate | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial real estate, Other | Commercial real estate | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial real estate, Other | Commercial real estate | Originated Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	295,713	224,218
Commercial real estate, Other | Commercial real estate | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0	0
Commercial real estate, Other | Commercial real estate | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	113	0
Commercial real estate, Other | Commercial real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	525	80
Commercial real estate, Other | Commercial real estate | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	638	80
Commercial real estate, Other | Commercial real estate | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	294,543	223,697
Commercial, Commercial and industrial | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		94
Commercial, Commercial and industrial | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		867
Commercial, Commercial and industrial | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial, Commercial and industrial | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial, Commercial and industrial | Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	351,533	347,819
Commercial, Commercial and industrial | Commercial | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial, Commercial and industrial | Commercial | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	2,591
Commercial, Commercial and industrial | Commercial | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial, Commercial and industrial | Commercial | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial, Commercial and industrial | Commercial | Originated Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	349,966	346,354
Commercial, Commercial and industrial | Commercial | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	941	540
Commercial, Commercial and industrial | Commercial | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	324	199
Commercial, Commercial and industrial | Commercial | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	3,858	1,802
Commercial, Commercial and industrial | Commercial | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	5,123	2,541
Commercial, Commercial and industrial | Commercial | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	346,410	345,278
Commercial, Agricultural | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial, Agricultural | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		203
Commercial, Agricultural | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial, Agricultural | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Commercial, Agricultural | Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	56,429	59,075
Commercial, Agricultural | Commercial | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial, Agricultural | Commercial | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	177
Commercial, Agricultural | Commercial | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial, Agricultural | Commercial | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Commercial, Agricultural | Commercial | Originated Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	55,606	58,338
Commercial, Agricultural | Commercial | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	284	292
Commercial, Agricultural | Commercial | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	26	40
Commercial, Agricultural | Commercial | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	360	520
Commercial, Agricultural | Commercial | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	670	852
Commercial, Agricultural | Commercial | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	55,759	58,223
Residential real estate, 1-4 family residential | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		3,352
Residential real estate, 1-4 family residential | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Residential real estate, 1-4 family residential | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Residential real estate, 1-4 family residential | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Residential real estate, 1-4 family residential | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	845,539	843,561
Residential real estate, 1-4 family residential | Residential real estate | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	3,573
Residential real estate, 1-4 family residential | Residential real estate | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Residential real estate, 1-4 family residential | Residential real estate | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Residential real estate, 1-4 family residential | Residential real estate | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Residential real estate, 1-4 family residential | Residential real estate | Originated Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	845,081	843,697
Residential real estate, 1-4 family residential | Residential real estate | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	6,688	6,819
Residential real estate, 1-4 family residential | Residential real estate | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	1,943	4,488
Residential real estate, 1-4 family residential | Residential real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	4,570	3,817
Residential real estate, 1-4 family residential | Residential real estate | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	13,201	15,124
Residential real estate, 1-4 family residential | Residential real estate | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	832,338	828,437
Residential real estate, Home equity lines of credit | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		294
Residential real estate, Home equity lines of credit | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Residential real estate, Home equity lines of credit | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Residential real estate, Home equity lines of credit | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Residential real estate, Home equity lines of credit | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	158,139	142,471
Residential real estate, Home equity lines of credit | Residential real estate | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	264
Residential real estate, Home equity lines of credit | Residential real estate | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Residential real estate, Home equity lines of credit | Residential real estate | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Residential real estate, Home equity lines of credit | Residential real estate | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Residential real estate, Home equity lines of credit | Residential real estate | Originated Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	158,014	142,441
Residential real estate, Home equity lines of credit | Residential real estate | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	104	729
Residential real estate, Home equity lines of credit | Residential real estate | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0	34
Residential real estate, Home equity lines of credit | Residential real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	503	519
Residential real estate, Home equity lines of credit | Residential real estate | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	607	1,282
Residential real estate, Home equity lines of credit | Residential real estate | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	157,532	141,189
Consumer, Indirect | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Consumer, Indirect | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Consumer, Indirect | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		53
Consumer, Indirect | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Consumer, Indirect | Consumer
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	241,355	234,886
Consumer, Indirect | Consumer | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Consumer, Indirect | Consumer | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Consumer, Indirect | Consumer | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	70
Consumer, Indirect | Consumer | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Consumer, Indirect | Consumer | Originated Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	232,822	226,815
Consumer, Indirect | Consumer | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	1,385	2,045
Consumer, Indirect | Consumer | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	473	289
Consumer, Indirect | Consumer | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	500	447
Consumer, Indirect | Consumer | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	2,358	2,781
Consumer, Indirect | Consumer | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	238,997	232,105
Consumer, Direct | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Consumer, Direct | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Consumer, Direct | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		19
Consumer, Direct | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		66
Consumer, Direct | Consumer
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	19,185	23,825
Consumer, Direct | Consumer | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Consumer, Direct | Consumer | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Consumer, Direct | Consumer | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	9
Consumer, Direct | Consumer | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	66
Consumer, Direct | Consumer | Originated Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	19,143	23,805
Consumer, Direct | Consumer | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	59	153
Consumer, Direct | Consumer | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	30	23
Consumer, Direct | Consumer | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	100	135
Consumer, Direct | Consumer | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	189	311
Consumer, Direct | Consumer | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	18,996	23,514
Consumer, Other | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Consumer, Other | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Consumer, Other | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Consumer, Other | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans		0
Consumer, Other | Consumer
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	7,993	9,164
Consumer, Other | Consumer | Real Estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Consumer, Other | Consumer | Business Assets
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Consumer, Other | Consumer | Vehicles
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Consumer, Other | Consumer | Cash
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0
Consumer, Other | Consumer | Originated Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	7,989	9,164
Consumer, Other | Consumer | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0	4
Consumer, Other | Consumer | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	1	0
Consumer, Other | Consumer | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0	5
Consumer, Other | Consumer | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	1	9
Consumer, Other | Consumer | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	$ 7,992	$ 9,155

Loans (Details 4)

Loans (Details 4) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	$ 3,268,346	$ 3,198,127
Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	9,624	11,339
Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	3,408	5,366
Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	21,218	13,435
Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	34,250	30,140
Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	3,234,096	3,167,987
Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	845,539	843,561
Commercial real estate, Owner occupied | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	391,108	399,028
Commercial real estate, Owner occupied | Commercial real estate | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	95	302
Commercial real estate, Owner occupied | Commercial real estate | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	446	293
Commercial real estate, Owner occupied | Commercial real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	937	2,634
Commercial real estate, Owner occupied | Commercial real estate | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	1,478	3,229
Commercial real estate, Owner occupied | Commercial real estate | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	389,630	395,799
Commercial real estate, Non-owner occupied | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	695,284	711,795
Commercial real estate, Non-owner occupied | Commercial real estate | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	15	90
Commercial real estate, Non-owner occupied | Commercial real estate | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	52	0
Commercial real estate, Non-owner occupied | Commercial real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	8,105	1,510
Commercial real estate, Non-owner occupied | Commercial real estate | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	8,172	1,600
Commercial real estate, Non-owner occupied | Commercial real estate | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	687,112	710,195
Commercial real estate, Farmland | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	206,600	202,726
Commercial real estate, Farmland | Commercial real estate | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	53	365
Commercial real estate, Farmland | Commercial real estate | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0	0
Commercial real estate, Farmland | Commercial real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	1,760	1,966
Commercial real estate, Farmland | Commercial real estate | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	1,813	2,331
Commercial real estate, Farmland | Commercial real estate | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	204,787	200,395
Commercial real estate, Other | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	295,181	223,777
Commercial real estate, Other | Commercial real estate | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0	0
Commercial real estate, Other | Commercial real estate | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	113	0
Commercial real estate, Other | Commercial real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	525	80
Commercial real estate, Other | Commercial real estate | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	638	80
Commercial real estate, Other | Commercial real estate | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	294,543	223,697
Commercial, Commercial and industrial | Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	351,533	347,819
Commercial, Commercial and industrial | Commercial | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	941	540
Commercial, Commercial and industrial | Commercial | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	324	199
Commercial, Commercial and industrial | Commercial | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	3,858	1,802
Commercial, Commercial and industrial | Commercial | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	5,123	2,541
Commercial, Commercial and industrial | Commercial | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	346,410	345,278
Commercial, Agricultural | Commercial
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	56,429	59,075
Commercial, Agricultural | Commercial | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	284	292
Commercial, Agricultural | Commercial | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	26	40
Commercial, Agricultural | Commercial | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	360	520
Commercial, Agricultural | Commercial | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	670	852
Commercial, Agricultural | Commercial | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	55,759	58,223
Residential real estate, 1-4 family residential | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	845,539	843,561
Residential real estate, 1-4 family residential | Residential real estate | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	6,688	6,819
Residential real estate, 1-4 family residential | Residential real estate | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	1,943	4,488
Residential real estate, 1-4 family residential | Residential real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	4,570	3,817
Residential real estate, 1-4 family residential | Residential real estate | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	13,201	15,124
Residential real estate, 1-4 family residential | Residential real estate | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	832,338	828,437
Residential real estate, Home equity lines of credit | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	158,139	142,471
Residential real estate, Home equity lines of credit | Residential real estate | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	104	729
Residential real estate, Home equity lines of credit | Residential real estate | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0	34
Residential real estate, Home equity lines of credit | Residential real estate | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	503	519
Residential real estate, Home equity lines of credit | Residential real estate | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	607	1,282
Residential real estate, Home equity lines of credit | Residential real estate | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	157,532	141,189
Consumer, Indirect | Consumer
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	241,355	234,886
Consumer, Indirect | Consumer | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	1,385	2,045
Consumer, Indirect | Consumer | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	473	289
Consumer, Indirect | Consumer | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	500	447
Consumer, Indirect | Consumer | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	2,358	2,781
Consumer, Indirect | Consumer | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	238,997	232,105
Consumer, Direct | Consumer
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	19,185	23,825
Consumer, Direct | Consumer | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	59	153
Consumer, Direct | Consumer | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	30	23
Consumer, Direct | Consumer | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	100	135
Consumer, Direct | Consumer | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	189	311
Consumer, Direct | Consumer | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	18,996	23,514
Consumer, Other | Consumer
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	7,993	9,164
Consumer, Other | Consumer | Financing Receivables, 30 to 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0	4
Consumer, Other | Consumer | Financing Receivables, 60 to 89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	1	0
Consumer, Other | Consumer | Financing Receivables, Equal to Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	0	5
Consumer, Other | Consumer | Financing Receivables, Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	1	9
Consumer, Other | Consumer | Loans Not Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Loans	$ 7,992	$ 9,155

Loans (Details 5)

Loans (Details 5) - Residential real estate - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable Modifications [Line Items]
Amortized Cost Basis	$ 48	$ 210
% of Total class of Financing receivable	0%	1%
Term Extension
Financing Receivable Modifications [Line Items]
Amortized Cost Basis	$ 0	$ 48
Term Extension | Financial Asset, 30 Days Past Due
Financing Receivable Modifications [Line Items]
Amortized Cost Basis	0	0
Interest Rate Reduction
Financing Receivable Modifications [Line Items]
Amortized Cost Basis	29	30
Interest Rate Reduction | Financial Asset, 30 Days Past Due
Financing Receivable Modifications [Line Items]
Amortized Cost Basis	29	30
Combination Term Extension and Interest Rate Reduction
Financing Receivable Modifications [Line Items]
Amortized Cost Basis	19	132
Combination Term Extension and Interest Rate Reduction | Financial Asset, 30 Days Past Due
Financing Receivable Modifications [Line Items]
Amortized Cost Basis		0
Residential real estate, 1-4 family residential
Financing Receivable Modifications [Line Items]
Amortized Cost Basis		$ 210
% of Total class of Financing receivable		3%
Residential real estate, 1-4 family residential | Term Extension
Financing Receivable Modifications [Line Items]
Amortized Cost Basis		$ 48
Residential real estate, 1-4 family residential | Term Extension | Financial Asset, 30 Days Past Due
Financing Receivable Modifications [Line Items]
Amortized Cost Basis		0
Residential real estate, 1-4 family residential | Interest Rate Reduction
Financing Receivable Modifications [Line Items]
Amortized Cost Basis		30
Residential real estate, 1-4 family residential | Interest Rate Reduction | Financial Asset, 30 Days Past Due
Financing Receivable Modifications [Line Items]
Amortized Cost Basis		30
Residential real estate, 1-4 family residential | Combination Term Extension and Interest Rate Reduction
Financing Receivable Modifications [Line Items]
Amortized Cost Basis		132
Residential real estate, 1-4 family residential | Combination Term Extension and Interest Rate Reduction | Financial Asset, 30 Days Past Due
Financing Receivable Modifications [Line Items]
Amortized Cost Basis		$ 0
Residential real estate, Home equity lines of credit
Financing Receivable Modifications [Line Items]
Amortized Cost Basis	$ 48
% of Total class of Financing receivable	3%
Residential real estate, Home equity lines of credit | Term Extension
Financing Receivable Modifications [Line Items]
Amortized Cost Basis	$ 0
Residential real estate, Home equity lines of credit | Term Extension | Financial Asset, 30 Days Past Due
Financing Receivable Modifications [Line Items]
Amortized Cost Basis	0
Residential real estate, Home equity lines of credit | Interest Rate Reduction
Financing Receivable Modifications [Line Items]
Amortized Cost Basis	29
Residential real estate, Home equity lines of credit | Interest Rate Reduction | Financial Asset, 30 Days Past Due
Financing Receivable Modifications [Line Items]
Amortized Cost Basis	29
Residential real estate, Home equity lines of credit | Combination Term Extension and Interest Rate Reduction
Financing Receivable Modifications [Line Items]
Amortized Cost Basis	19
Residential real estate, Home equity lines of credit | Combination Term Extension and Interest Rate Reduction | Financial Asset, 30 Days Past Due
Financing Receivable Modifications [Line Items]
Amortized Cost Basis	$ 19

Loans (Details 6)

Loans (Details 6) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Current
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	$ 0	$ 180
30-89 Days Past due
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	19	30
90+ Days Past due
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	29	0
Accruing restructured loans | Current
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	0	132
Accruing restructured loans | 30-89 Days Past due
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	19	30
Accruing restructured loans | 90+ Days Past due
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	0	0
Nonaccrual restructured loans | Current
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	0	48
Nonaccrual restructured loans | 30-89 Days Past due
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	0	0
Nonaccrual restructured loans | 90+ Days Past due
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	29	0
Residential real estate
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	48	210
Residential real estate, 1-4 family residential | Residential real estate
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)		210
Residential real estate, 1-4 family residential | Residential real estate | Accruing restructured loans | Current
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)		132
Residential real estate, 1-4 family residential | Residential real estate | Accruing restructured loans | 30-89 Days Past due
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)		30
Residential real estate, 1-4 family residential | Residential real estate | Accruing restructured loans | 90+ Days Past due
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)		0
Residential real estate, 1-4 family residential | Residential real estate | Nonaccrual restructured loans | Current
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)		48
Residential real estate, 1-4 family residential | Residential real estate | Nonaccrual restructured loans | 30-89 Days Past due
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)		0
Residential real estate, 1-4 family residential | Residential real estate | Nonaccrual restructured loans | 90+ Days Past due
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)		$ 0
Residential real estate, Home equity lines of credit | Residential real estate
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	48
Residential real estate, Home equity lines of credit | Residential real estate | Accruing restructured loans | Current
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	0
Residential real estate, Home equity lines of credit | Residential real estate | Accruing restructured loans | 30-89 Days Past due
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	19
Residential real estate, Home equity lines of credit | Residential real estate | Accruing restructured loans | 90+ Days Past due
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	0
Residential real estate, Home equity lines of credit | Residential real estate | Nonaccrual restructured loans | Current
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	0
Residential real estate, Home equity lines of credit | Residential real estate | Nonaccrual restructured loans | 30-89 Days Past due
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	0
Residential real estate, Home equity lines of credit | Residential real estate | Nonaccrual restructured loans | 90+ Days Past due
Financing Receivable Modifications [Line Items]
Payment status (Amortized cost Basis)	$ 29

Loans (Details 7)

Loans (Details 7) - Residential real estate	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Residential real estate, 1-4 family residential | Term Extension
Financing Receivable, Modified [Line Items]
Weighted-Average Years Added to the Life		6 years 3 months 18 days
Residential real estate, 1-4 family residential | Maximum | Interest Rate Reduction
Financing Receivable, Modified [Line Items]
Weighted-Average Contractual Interest Rate		4.77%
Residential real estate, 1-4 family residential | Minimum | Interest Rate Reduction
Financing Receivable, Modified [Line Items]
Weighted-Average Contractual Interest Rate		3.38%
Residential real estate, Home equity lines of credit | Term Extension
Financing Receivable, Modified [Line Items]
Weighted-Average Years Added to the Life	10 years
Residential real estate, Home equity lines of credit | Maximum | Interest Rate Reduction
Financing Receivable, Modified [Line Items]
Weighted-Average Contractual Interest Rate	10.45%
Residential real estate, Home equity lines of credit | Minimum | Interest Rate Reduction
Financing Receivable, Modified [Line Items]
Weighted-Average Contractual Interest Rate	5.91%

Loans (Details 8)

Loans (Details 8) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	$ 3,232,483	$ 3,163,687
Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	1,996,135	1,944,220
Pass | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	1,912,150	1,843,047
Special Mention | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	33,545	38,229
Substandard | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	49,606	62,944
Doubtful | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	834
Commercial real estate | Commercial real estate, Owner occupied | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	391,108	399,028
Commercial real estate | Commercial real estate, Owner occupied | Pass | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	383,556	386,015
Commercial real estate | Commercial real estate, Owner occupied | Special Mention | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	4,865	9,628
Commercial real estate | Commercial real estate, Owner occupied | Substandard | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	2,687	3,385
Commercial real estate | Commercial real estate, Owner occupied | Doubtful | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	0
Commercial real estate | Commercial real estate, Non-owner occupied | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	695,284	711,795
Commercial real estate | Commercial real estate, Non-owner occupied | Pass | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	642,542	648,063
Commercial real estate | Commercial real estate, Non-owner occupied | Special Mention | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	18,127	27,938
Commercial real estate | Commercial real estate, Non-owner occupied | Substandard | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	33,781	35,794
Commercial real estate | Commercial real estate, Non-owner occupied | Doubtful | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	834
Commercial real estate | Commercial farmland | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	206,600	202,726
Commercial real estate | Commercial farmland | Pass | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	204,348	200,240
Commercial real estate | Commercial farmland | Special Mention | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	0	0
Commercial real estate | Commercial farmland | Substandard | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	2,252	2,486
Commercial real estate | Commercial farmland | Doubtful | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	0
Commercial real estate | Commercial real estate, Other | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	295,181	223,777
Commercial real estate | Commercial real estate, Other | Pass | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	285,119	215,459
Commercial real estate | Commercial real estate, Other | Special Mention | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	10,030	0
Commercial real estate | Commercial real estate, Other | Substandard | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	32	8,318
Commercial real estate | Commercial real estate, Other | Doubtful | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	0
Commercial | Commercial and Industrial | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	351,533	347,819
Commercial | Commercial and Industrial | Pass | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	340,580	334,764
Commercial | Commercial and Industrial | Special Mention | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	462	646
Commercial | Commercial and Industrial | Substandard | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	10,491	12,409
Commercial | Commercial and Industrial | Doubtful | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	0
Commercial | Commercial, Agricultural | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	56,429	59,075
Commercial | Commercial, Agricultural | Pass | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	56,005	58,506
Commercial | Commercial, Agricultural | Special Mention | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	61	17
Commercial | Commercial, Agricultural | Substandard | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	363	$ 552
Commercial | Commercial, Agricultural | Doubtful | Loans
Financing Receivable Recorded Investment [Line Items]
Total risk category of loans by class of loans	$ 0

Loans (Details 9)

Loans (Details 9) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable Recorded Investment [Line Items]
Loans	$ 3,268,346	$ 3,198,127
Originated Loans
Financing Receivable Recorded Investment [Line Items]
Loans	3,258,121	3,189,370
Residential real estate
Financing Receivable Recorded Investment [Line Items]
Loans	845,539	843,561
Residential real estate | Performing Financing Receivable
Financing Receivable Recorded Investment [Line Items]
Loans	840,969	839,744
Residential real estate | Nonperforming Financing Receivable
Financing Receivable Recorded Investment [Line Items]
Loans	4,570	3,817
Residential real estate | Residential real estate, 1-4 family residential
Financing Receivable Recorded Investment [Line Items]
Loans	845,539	843,561
Residential real estate | Residential real estate, 1-4 family residential | Originated Loans
Financing Receivable Recorded Investment [Line Items]
Loans	845,081	843,697
Residential real estate | Residential real estate, 1-4 family residential | Performing Financing Receivable
Financing Receivable Recorded Investment [Line Items]
Loans	840,969	839,744
Residential real estate | Residential real estate, 1-4 family residential | Nonperforming Financing Receivable
Financing Receivable Recorded Investment [Line Items]
Loans	4,570	3,817
Residential real estate | Residential real estate, Home equity lines of credit
Financing Receivable Recorded Investment [Line Items]
Loans	158,139	142,471
Residential real estate | Residential real estate, Home equity lines of credit | Originated Loans
Financing Receivable Recorded Investment [Line Items]
Loans	158,014	142,441
Residential real estate | Residential real estate, Home equity lines of credit | Performing Financing Receivable
Financing Receivable Recorded Investment [Line Items]
Loans	157,636	141,952
Residential real estate | Residential real estate, Home equity lines of credit | Nonperforming Financing Receivable
Financing Receivable Recorded Investment [Line Items]
Loans	503	519
Consumer | Consumer, Indirect
Financing Receivable Recorded Investment [Line Items]
Loans	241,355	234,886
Consumer | Consumer, Indirect | Originated Loans
Financing Receivable Recorded Investment [Line Items]
Loans	232,822	226,815
Consumer | Consumer, Indirect | Performing Financing Receivable
Financing Receivable Recorded Investment [Line Items]
Loans	240,855	234,439
Consumer | Consumer, Indirect | Nonperforming Financing Receivable
Financing Receivable Recorded Investment [Line Items]
Loans	500	447
Consumer | Consumer, Direct
Financing Receivable Recorded Investment [Line Items]
Loans	19,185	23,825
Consumer | Consumer, Direct | Originated Loans
Financing Receivable Recorded Investment [Line Items]
Loans	19,143	23,805
Consumer | Consumer, Direct | Performing Financing Receivable
Financing Receivable Recorded Investment [Line Items]
Loans	19,085	23,690
Consumer | Consumer, Direct | Nonperforming Financing Receivable
Financing Receivable Recorded Investment [Line Items]
Loans	100	135
Consumer | Consumer, Other
Financing Receivable Recorded Investment [Line Items]
Loans	7,993	9,164
Consumer | Consumer, Other | Originated Loans
Financing Receivable Recorded Investment [Line Items]
Loans	7,989	9,164
Consumer | Consumer, Other | Performing Financing Receivable
Financing Receivable Recorded Investment [Line Items]
Loans	7,993	9,159
Consumer | Consumer, Other | Nonperforming Financing Receivable
Financing Receivable Recorded Investment [Line Items]
Loans	$ 0	$ 5

Loans (Details 10)

Loans (Details 10) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable Recorded Investment [Line Items]
Total	$ 3,268,346	$ 3,198,127
Commercial real estate, Owner occupied
Financing Receivable Recorded Investment [Line Items]
2024	45,588	57,983
2023	59,617	58,471
2022	46,982	66,205
2021	61,297	50,812
2020	45,428	49,339
Prior	130,146	113,088
Revolving Loans	2,050	3,130
Total	391,108	399,028
Gross write-offs, 2024	0	0
Gross write-offs, 2023	0	0
Gross write-offs, 2022	72	0
Gross write-offs, 2021	0	0
Gross write-offs, 2020	21	1
Gross write-offs, Prior	0	0
Gross write-offs, Revolving Loans	0	0
Gross write-offs	93	1
Commercial real estate, Owner occupied | Pass
Financing Receivable Recorded Investment [Line Items]
2024	45,588	57,983
2023	56,389	58,178
2022	46,323	66,205
2021	60,179	42,023
2020	45,428	48,849
Prior	127,665	109,831
Revolving Loans	1,984	2,946
Total	383,556	386,015
Commercial real estate, Owner occupied | Special Mention
Financing Receivable Recorded Investment [Line Items]
2024	0	0
2023	3,228	293
2022	0	0
2021	1,118	8,779
2020	0	0
Prior	519	556
Revolving Loans	0	0
Total	4,865	9,628
Commercial real estate, Owner occupied | Substandard
Financing Receivable Recorded Investment [Line Items]
2024	0	0
2023	0	0
2022	659	0
2021	0	10
2020	0	490
Prior	1,962	2,701
Revolving Loans	66	184
Total	2,687	3,385
Commercial real estate, Non Owner occupied
Financing Receivable Recorded Investment [Line Items]
2024	69,039	49,177
2023	44,730	135,433
2022	131,831	104,316
2021	91,329	87,750
2020	79,807	91,136
Prior	269,420	232,740
Revolving Loans	9,128	11,243
Total	695,284	711,795
Gross write-offs, 2024	0	0
Gross write-offs, 2023	0	0
Gross write-offs, 2022	0	0
Gross write-offs, 2021	4,380	0
Gross write-offs, 2020	146	144
Gross write-offs, Prior	0	201
Gross write-offs, Revolving Loans	0	0
Gross write-offs	4,526	345
Commercial real estate, Non Owner occupied | Pass
Financing Receivable Recorded Investment [Line Items]
2024	61,974	49,177
2023	44,323	135,433
2022	125,547	88,188
2021	78,933	77,713
2020	71,322	81,079
Prior	251,465	205,729
Revolving Loans	8,978	10,744
Total	642,542	648,063
Commercial real estate, Non Owner occupied | Special Mention
Financing Receivable Recorded Investment [Line Items]
2024	0	0
2023	0	0
2022	6,284	12,156
2021	313	0
2020	1,356	6,565
Prior	10,024	9,217
Revolving Loans	150	0
Total	18,127	27,938
Commercial real estate, Non Owner occupied | Substandard
Financing Receivable Recorded Investment [Line Items]
2024	7,065	0
2023	407	0
2022	0	3,972
2021	11,249	10,037
2020	7,129	3,492
Prior	7,931	17,794
Revolving Loans	0	499
Total	33,781	35,794
Commercial real estate, Non Owner occupied | Doubtful
Financing Receivable Recorded Investment [Line Items]
2024	0
2023	0
2022	0
2021	834
2020	0
Prior	0
Revolving Loans	0
Total	834
Commercial real estate, Farmland
Financing Receivable Recorded Investment [Line Items]
2024	19,832	22,576
2023	20,803	40,101
2022	39,126	21,220
2021	19,051	34,036
2020	31,620	18,660
Prior	73,097	62,030
Revolving Loans	3,071	4,103
Total	206,600	202,726
Gross write-offs, 2024	0	0
Gross write-offs, 2023	0	0
Gross write-offs, 2022	0	0
Gross write-offs, 2021	0	0
Gross write-offs, 2020	0	0
Gross write-offs, Prior	0	3
Gross write-offs, Revolving Loans	0	0
Gross write-offs	0	3
Commercial real estate, Farmland | Pass
Financing Receivable Recorded Investment [Line Items]
2024	19,832	22,576
2023	20,803	40,101
2022	39,126	20,890
2021	18,734	34,036
2020	31,620	18,634
Prior	71,162	59,900
Revolving Loans	3,071	4,103
Total	204,348	200,240
Commercial real estate, Farmland | Substandard
Financing Receivable Recorded Investment [Line Items]
2024	0	0
2023	0	0
2022	0	330
2021	317	0
2020	0	26
Prior	1,935	2,130
Revolving Loans	0	0
Total	2,252	2,486
Commercial real estate, Other
Financing Receivable Recorded Investment [Line Items]
2024	40,993	68,911
2023	109,336	56,753
2022	73,204	47,895
2021	39,203	17,249
2020	8,493	8,516
Prior	23,224	23,401
Revolving Loans	728	1,052
Total	295,181	223,777
Gross write-offs, 2024	0
Gross write-offs, 2023	0
Gross write-offs, 2022	0
Gross write-offs, 2021	0
Gross write-offs, 2020	0
Gross write-offs, Prior	0
Gross write-offs, Revolving Loans	0
Gross write-offs	0
Commercial real estate, Other | Pass
Financing Receivable Recorded Investment [Line Items]
2024	40,993	68,911
2023	108,346	56,753
2022	65,724	47,895
2021	39,091	9,063
2020	8,493	8,516
Prior	21,744	23,269
Revolving Loans	728	1,052
Total	285,119	215,459
Commercial real estate, Other | Special Mention
Financing Receivable Recorded Investment [Line Items]
2024	0
2023	990
2022	7,480
2021	112
2020	0
Prior	1,448
Revolving Loans	0
Total	10,030
Commercial real estate, Other | Substandard
Financing Receivable Recorded Investment [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	8,186
2020	0	0
Prior	32	132
Revolving Loans	0	0
Total	32	8,318
Commercial and Industrial
Financing Receivable Recorded Investment [Line Items]
2024	84,522	91,002
2023	72,506	88,947
2022	60,932	41,779
2021	27,229	22,219
2020	11,153	10,813
Prior	21,951	23,729
Revolving Loans	73,240	69,330
Total	351,533	347,819
Gross write-offs, 2024	48	0
Gross write-offs, 2023	273	178
Gross write-offs, 2022	389	579
Gross write-offs, 2021	125	11
Gross write-offs, 2020	228	16
Gross write-offs, Prior	257	394
Gross write-offs, Revolving Loans	313	0
Gross write-offs	1,633	1,178
Commercial and Industrial | Pass
Financing Receivable Recorded Investment [Line Items]
2024	84,491	90,807
2023	72,388	85,255
2022	55,279	40,444
2021	26,780	21,794
2020	10,744	9,736
Prior	20,223	23,030
Revolving Loans	70,675	63,698
Total	340,580	334,764
Commercial and Industrial | Special Mention
Financing Receivable Recorded Investment [Line Items]
2024	0	0
2023	0	141
2022	0	355
2021	167	21
2020	165	0
Prior	46	0
Revolving Loans	84	129
Total	462	646
Commercial and Industrial | Substandard
Financing Receivable Recorded Investment [Line Items]
2024	31	195
2023	118	3,551
2022	5,653	980
2021	282	404
2020	244	1,077
Prior	1,682	699
Revolving Loans	2,481	5,503
Total	10,491	12,409
Agricultural Portfolio Segment
Financing Receivable Recorded Investment [Line Items]
2024	9,085	13,738
2023	11,703	17,401
2022	13,195	9,035
2021	5,510	3,809
2020	1,930	1,410
Prior	987	1,285
Revolving Loans	14,019	12,397
Total	56,429	59,075
Gross write-offs, 2024	0	0
Gross write-offs, 2023	1	15
Gross write-offs, 2022	49	70
Gross write-offs, 2021	13	3
Gross write-offs, 2020	29	0
Gross write-offs, Prior	17	6
Gross write-offs, Revolving Loans	0	0
Gross write-offs	109
Agricultural Portfolio Segment | Pass
Financing Receivable Recorded Investment [Line Items]
2024	9,085	13,738
2023	11,703	17,368
2022	13,160	8,917
2021	5,481	3,584
2020	1,768	1,386
Prior	850	1,133
Revolving Loans	13,958	12,380
Total	56,005	58,506
Agricultural Portfolio Segment | Special Mention
Financing Receivable Recorded Investment [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans	61	17
Total	61	17
Agricultural Portfolio Segment | Substandard
Financing Receivable Recorded Investment [Line Items]
2024	0	0
2023	0	33
2022	35	118
2021	29	225
2020	162	24
Prior	137	152
Revolving Loans	0	0
Total	363	552
Residential real estate
Financing Receivable Recorded Investment [Line Items]
2024	79,820	63,402
2023	69,319	171,920
2022	157,876	164,781
2021	153,847	134,634
2020	121,396	49,495
Prior	260,020	255,677
Revolving Loans	3,261	3,652
Total	845,539	843,561
Gross write-offs, 2024	0	52
Gross write-offs, 2023	0	0
Gross write-offs, 2022	0	49
Gross write-offs, 2021	37	130
Gross write-offs, 2020	0	0
Gross write-offs, Prior	118	129
Gross write-offs, Revolving Loans	0	0
Gross write-offs	155	360
Residential real estate | Performing Financing Receivable
Financing Receivable Recorded Investment [Line Items]
2024	79,820	63,365
2023	69,319	171,862
2022	157,403	164,469
2021	153,569	132,989
2020	119,770	49,380
Prior	257,827	254,027
Revolving Loans	3,261	3,652
Total	840,969	839,744
Residential real estate | Nonperforming Financing Receivable
Financing Receivable Recorded Investment [Line Items]
2024	0	37
2023	0	58
2022	473	312
2021	278	1,645
2020	1,626	115
Prior	2,193	1,650
Revolving Loans	0	0
Total	4,570	3,817
Home Equity Lines Of Credit
Financing Receivable Recorded Investment [Line Items]
2024	0	0
2023	119	45
2022	182	27
2021	127	126
2020	68	51
Prior	4,494	3,767
Revolving Loans	153,149	138,455
Total	158,139	142,471
Gross write-offs, 2024	0	0
Gross write-offs, 2023	0	0
Gross write-offs, 2022	0	0
Gross write-offs, 2021	0	8
Gross write-offs, 2020	0	0
Gross write-offs, Prior	0	16
Gross write-offs, Revolving Loans	0	0
Gross write-offs	0	24
Home Equity Lines Of Credit | Performing Financing Receivable
Financing Receivable Recorded Investment [Line Items]
2024	0	0
2023	119	19
2022	153	14
2021	127	111
2020	68	51
Prior	4,118	3,302
Revolving Loans	153,051	138,455
Total	157,636	141,952
Home Equity Lines Of Credit | Nonperforming Financing Receivable
Financing Receivable Recorded Investment [Line Items]
2024	0	0
2023	0	26
2022	29	13
2021	0	15
2020	0	0
Prior	376	465
Revolving Loans	98	0
Total	503	519
Consumer Portfolio Segment Indirect
Financing Receivable Recorded Investment [Line Items]
2024	78,306	74,479
2023	55,582	71,813
2022	49,781	32,666
2021	23,428	21,248
2020	14,245	11,421
Prior	20,013	23,259
Revolving Loans	0	0
Total	241,355	234,886
Gross write-offs, 2024	10	33
Gross write-offs, 2023	100	138
Gross write-offs, 2022	206	71
Gross write-offs, 2021	192	35
Gross write-offs, 2020	174	23
Gross write-offs, Prior	430	232
Gross write-offs, Revolving Loans	0	0
Gross write-offs	1,112	532
Consumer Portfolio Segment Indirect | Performing Financing Receivable
Financing Receivable Recorded Investment [Line Items]
2024	78,306	74,425
2023	55,525	71,705
2022	49,548	32,528
2021	23,331	21,163
2020	14,183	11,395
Prior	19,962	23,223
Revolving Loans	0	0
Total	240,855	234,439
Consumer Portfolio Segment Indirect | Nonperforming Financing Receivable
Financing Receivable Recorded Investment [Line Items]
2024	0	54
2023	57	108
2022	233	138
2021	97	85
2020	62	26
Prior	51	36
Revolving Loans	0	0
Total	500	447
Consumer Portfolio Segment Direct
Financing Receivable Recorded Investment [Line Items]
2024	2,735	3,552
2023	2,319	3,829
2022	2,412	2,203
2021	1,090	1,417
2020	858	974
Prior	9,445	11,484
Revolving Loans	326	366
Total	19,185	23,825
Gross write-offs, 2024	0	11
Gross write-offs, 2023	7	38
Gross write-offs, 2022	38	22
Gross write-offs, 2021	6	51
Gross write-offs, 2020	5	9
Gross write-offs, Prior	120	100
Gross write-offs, Revolving Loans	0	0
Gross write-offs	176	231
Consumer Portfolio Segment Direct | Performing Financing Receivable
Financing Receivable Recorded Investment [Line Items]
2024	2,735	3,552
2023	2,319	3,812
2022	2,406	2,203
2021	1,075	1,352
2020	792	974
Prior	9,432	11,431
Revolving Loans	326	366
Total	19,085	23,690
Consumer Portfolio Segment Direct | Nonperforming Financing Receivable
Financing Receivable Recorded Investment [Line Items]
2024	0	0
2023	0	17
2022	6	0
2021	15	65
2020	66	0
Prior	13	53
Revolving Loans	0	0
Total	100	135
Consumer Portfolio Segment Other
Financing Receivable Recorded Investment [Line Items]
2024	0	0
2023	0	0
2022	0	60
2021	60	103
2020	0	82
Prior	409	283
Revolving Loans	7,524	8,636
Total	7,993	9,164
Gross write-offs, 2024	0	0
Gross write-offs, 2023	0	0
Gross write-offs, 2022	1	0
Gross write-offs, 2021	0	0
Gross write-offs, 2020	0	0
Gross write-offs, Prior	182	20
Gross write-offs, Revolving Loans	0	149
Gross write-offs	183	169
Consumer Portfolio Segment Other | Performing Financing Receivable
Financing Receivable Recorded Investment [Line Items]
2024	0	0
2023	0	0
2022	0	60
2021	60	103
2020	0	82
Prior	409	278
Revolving Loans	7,524	8,636
Total	7,993	9,159
Consumer Portfolio Segment Other | Nonperforming Financing Receivable
Financing Receivable Recorded Investment [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	5
Revolving Loans	0	0
Total	$ 0	$ 5

Loans (Details 11)

Loans (Details 11)	12 Months Ended
	Dec. 31, 2024
Home equity lines of credit
Financing Receivable Recorded Investment [Line Items]
Methodology	Cohort
Loss Drivers	Credit Loss History
Residential real estate | Residential real estate, 1-4 family residential | 1st Liens
Financing Receivable Recorded Investment [Line Items]
Methodology	Cohort
Loss Drivers	Credit Loss History
Residential real estate | Residential real estate, 1-4 family residential | 2nd Liens
Financing Receivable Recorded Investment [Line Items]
Methodology	Cohort
Loss Drivers	Credit Loss History
Consumer | Consumer Finance Cash Reserve Loan
Financing Receivable Recorded Investment [Line Items]
Methodology	Cohort
Loss Drivers	Credit Loss History
Consumer | Consumer, Direct
Financing Receivable Recorded Investment [Line Items]
Methodology	Cohort
Loss Drivers	Credit Loss History
Consumer | Consumer, Indirect
Financing Receivable Recorded Investment [Line Items]
Methodology	Cohort
Loss Drivers	Credit Loss History
Commercial | Commercial, Commercial and industrial
Financing Receivable Recorded Investment [Line Items]
Methodology	PD/LGD
Loss Drivers	Credit Loss History
Commercial | Commercial, Agricultural
Financing Receivable Recorded Investment [Line Items]
Methodology	PD/LGD
Loss Drivers	Credit Loss History
Commercial | Commercial, municipal
Financing Receivable Recorded Investment [Line Items]
Methodology	PD/LGD
Loss Drivers	Credit Loss History
Commercial real estate | Commercial real estate, multifamily
Financing Receivable Recorded Investment [Line Items]
Methodology	PD/LGD
Loss Drivers	Credit Loss History
Commercial real estate | Commercial real estate, Owner occupied
Financing Receivable Recorded Investment [Line Items]
Methodology	PD/LGD
Loss Drivers	Credit Loss History
Commercial real estate | Commercial real estate, Non-owner occupied
Financing Receivable Recorded Investment [Line Items]
Methodology	PD/LGD
Loss Drivers	Credit Loss History
Commercial real estate | Commercial real estate, Farmland
Financing Receivable Recorded Investment [Line Items]
Methodology	PD/LGD
Loss Drivers	Credit Loss History
Commercial real estate | Commercial real estate, construction
Financing Receivable Recorded Investment [Line Items]
Methodology	PD/LGD
Loss Drivers	Credit Loss History

Loans (Details 12)

Loans (Details 12) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Risks and Uncertainties [Abstract]
Par value of acquired loans at acquisition		$ 797,616
Net purchase discount		(55,958)
Allowance for credit losses of PCD loans		(999)
Purchase price of loans at acquisition	$ 740,700	$ 740,659

Loans (Details 13)

Loans (Details 13) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	$ 3,268,346	$ 3,198,127
ACL Balance	35,863	34,440	$ 26,978	$ 29,386
PCD Loans
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	30,171	34,684
ACL Balance	561	1,107
Commercial real estate
Loans And Leases Receivable Disclosure [Line Items]
ACL Balance	19,259	18,150	14,840	15,879
Commercial real estate | Commercial real estate, Owner occupied
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	391,108	399,028
Commercial real estate | Commercial real estate, Owner occupied | PCD Loans
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	333	430
ACL Balance	11	19
Commercial real estate | Commercial real estate, Non-owner occupied
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	695,284	711,795
Commercial real estate | Commercial real estate, Non-owner occupied | PCD Loans
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	26,890	30,653
ACL Balance	420	914
Commercial real estate | Commercial real estate, Farmland
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	206,600	202,726
Commercial real estate | Commercial real estate, Farmland | PCD Loans
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	3	9
ACL Balance	0	0
Commercial
Loans And Leases Receivable Disclosure [Line Items]
ACL Balance	4,628	5,087	4,186	4,949
Commercial | Commercial, Commercial and industrial
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	351,533	347,819
Commercial | Commercial, Commercial and industrial | PCD Loans
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	1,561	2,229
ACL Balance	115	158
Commercial | Commercial, Agricultural
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	56,429	59,075
Commercial | Commercial, Agricultural | PCD Loans
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	117	149
ACL Balance	8	9
Residential real estate
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	845,539	843,561
ACL Balance	7,271	6,916	$ 4,374	$ 4,870
Residential real estate | Residential real estate, 1-4 family residential
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	845,539	843,561
Residential real estate | Residential real estate, 1-4 family residential | PCD Loans
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	1,264	1,211
ACL Balance	7	7
Residential real estate | Residential real estate, Home equity lines of credit | PCD Loans
Loans And Leases Receivable Disclosure [Line Items]
Loan balance	3	3
ACL Balance	$ 0	$ 0

Loans (Details Textual)

Loans (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable Modifications [Line Items]
Commitments to lend any additional funds on restructured loans	$ 0
Nonaccrual with no allowance for credit loss	2,789,000	$ 5,052,000
Less allowance for credit losses	35,863,000	34,440,000	$ 26,978,000	$ 29,386,000
Loans originated	3,232,483,000	3,163,687,000
Maximum commercial loan and commercial real estate relationships	3,000,000
Unfunded commitments	692,000,000	753,000,000
Decrease in unfunded commitments	61,000,000
Anticipated credit losses	1,560,000	1,840,000
Provision for anticipated credit losses	278,000,000
ACL Balance	35,863,000	34,440,000	26,978,000	29,386,000
Increase in allowance for credit losses	1,400,000
Payments to Acquire Loans Receivable	740,700,000	740,659,000
Financing Receivable, Modified, Commitment to Lend	0
Other real estate owned properties	$ 52,000	92,000
ASU 2022-02
Financing Receivable Modifications [Line Items]
Change in accounting principle, accounting standards update, adopted [true false]	true
Change in accounting principle, accounting standards update, adoption date	Jan. 01, 2023
ASU 2016-13
Financing Receivable Modifications [Line Items]
Change in accounting principle, accounting standards update, adopted [true false]	true
PCD Loans
Financing Receivable Modifications [Line Items]
Less allowance for credit losses	$ 561,000	1,107,000
ACL Balance	561,000	1,107,000
Residential real estate, 1-4 family residential
Financing Receivable Modifications [Line Items]
Other real estate owned properties	52,000	92,000
Other real estate properties in foreclosure	631,000	207,000
Commercial real estate
Financing Receivable Modifications [Line Items]
Less allowance for credit losses	19,259,000	18,150,000	14,840,000	15,879,000
ACL Balance	19,259,000	18,150,000	$ 14,840,000	$ 15,879,000
Commercial real estate | Commercial real estate, Non-Owner occupied
Financing Receivable Modifications [Line Items]
Nonaccrual with no allowance for credit loss	1,520,000	1,630,000
Commercial real estate | Commercial real estate, Non-Owner occupied | PCD Loans
Financing Receivable Modifications [Line Items]
Less allowance for credit losses	420,000	914,000
ACL Balance	420,000	$ 914,000
Commercial and Industrial
Financing Receivable Modifications [Line Items]
Nonaccrual with no allowance for credit loss	77,000,000
Commercial and Industrial | Commercial real estate, Non-Owner occupied
Financing Receivable Modifications [Line Items]
Nonaccrual with no allowance for credit loss	$ 77,000

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Disaggregation Of Revenue [Line Items]
TOTAL NONINTEREST INCOME	$ 41,716	$ 41,861	$ 44,202
Service Charges on Deposit Accounts
Disaggregation Of Revenue [Line Items]
Noninterest income	7,311	6,322	4,716
Debit Card and EFT Fees
Disaggregation Of Revenue [Line Items]
Noninterest income	7,484	7,059	5,814
Trust Fees
Disaggregation Of Revenue [Line Items]
Noninterest income	10,099	9,047	8,460
Insurance Agency Commissions
Disaggregation Of Revenue [Line Items]
Noninterest income	5,472	5,444	4,402
Retirement Plan Consulting Fees
Disaggregation Of Revenue [Line Items]
Noninterest income	2,637	2,467	2,567
Investment Commissions
Disaggregation Of Revenue [Line Items]
Noninterest income	2,007	1,978	2,183
Operating Segments
Disaggregation Of Revenue [Line Items]
TOTAL NONINTEREST INCOME	41,716	41,861	44,202
Operating Segments | Service Charges on Deposit Accounts
Disaggregation Of Revenue [Line Items]
Noninterest income	7,311	6,322	4,716
Operating Segments | Debit Card and EFT Fees
Disaggregation Of Revenue [Line Items]
Noninterest income	7,484	7,059	5,814
Operating Segments | Trust Fees
Disaggregation Of Revenue [Line Items]
Noninterest income	10,099	9,047	8,460
Operating Segments | Insurance Agency Commissions
Disaggregation Of Revenue [Line Items]
Noninterest income	5,472	5,444	4,402
Operating Segments | Retirement Plan Consulting Fees
Disaggregation Of Revenue [Line Items]
Noninterest income	2,637	2,467	2,567
Operating Segments | Investment Commissions
Disaggregation Of Revenue [Line Items]
Noninterest income	2,007	1,978	2,183
Operating Segments | Other
Disaggregation Of Revenue [Line Items]
Other (outside the scope of ASC 606)	6,706	9,544	16,060
Operating Segments | Trust Segment
Disaggregation Of Revenue [Line Items]
TOTAL NONINTEREST INCOME	12,736	11,514	19,402
Operating Segments | Trust Segment | Service Charges on Deposit Accounts
Disaggregation Of Revenue [Line Items]
Noninterest income	0	0	0
Operating Segments | Trust Segment | Debit Card and EFT Fees
Disaggregation Of Revenue [Line Items]
Noninterest income	0	0	0
Operating Segments | Trust Segment | Trust Fees
Disaggregation Of Revenue [Line Items]
Noninterest income	10,099	9,047	8,460
Operating Segments | Trust Segment | Insurance Agency Commissions
Disaggregation Of Revenue [Line Items]
Noninterest income	0	0	0
Operating Segments | Trust Segment | Retirement Plan Consulting Fees
Disaggregation Of Revenue [Line Items]
Noninterest income	2,637	2,467	2,567
Operating Segments | Trust Segment | Investment Commissions
Disaggregation Of Revenue [Line Items]
Noninterest income	0	0	0
Operating Segments | Trust Segment | Other
Disaggregation Of Revenue [Line Items]
Other (outside the scope of ASC 606)	0	0	8,375
Operating Segments | Bank Segment
Disaggregation Of Revenue [Line Items]
TOTAL NONINTEREST INCOME	28,980	30,347	24,800
Operating Segments | Bank Segment | Service Charges on Deposit Accounts
Disaggregation Of Revenue [Line Items]
Noninterest income	7,311	6,322	4,716
Operating Segments | Bank Segment | Debit Card and EFT Fees
Disaggregation Of Revenue [Line Items]
Noninterest income	7,484	7,059	5,814
Operating Segments | Bank Segment | Trust Fees
Disaggregation Of Revenue [Line Items]
Noninterest income	0	0	0
Operating Segments | Bank Segment | Insurance Agency Commissions
Disaggregation Of Revenue [Line Items]
Noninterest income	5,472	5,444	4,402
Operating Segments | Bank Segment | Retirement Plan Consulting Fees
Disaggregation Of Revenue [Line Items]
Noninterest income	0	0	0
Operating Segments | Bank Segment | Investment Commissions
Disaggregation Of Revenue [Line Items]
Noninterest income	2,007	1,978	2,183
Operating Segments | Bank Segment | Other
Disaggregation Of Revenue [Line Items]
Other (outside the scope of ASC 606)	$ 6,706	$ 9,544	$ 7,685

Revenue from Contracts with C_4

Revenue from Contracts with Customers (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Revenue From Contract With Customer [Line Items]
Legal settlement	$ 0	$ 0	$ 8,375,000
ASC 606
Revenue From Contract With Customer [Line Items]
Contingent debit card interchange fees	0
Contingent incentive fees	0
Contingent commission	0
ASC 606 | Cetera
Revenue From Contract With Customer [Line Items]
Contingent investment commissions to be refunded	$ 0

Loan Servicing - Summary of Pri

Loan Servicing - Summary of Principal Balance for Mortgage Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Mortgage loan portfolios serviced for:
Loan Portfolio Expense	$ 580,842	$ 572,545
FHLMC
Mortgage loan portfolios serviced for:
Loan Portfolio Expense	554,779	544,140
FHLB Pittsburgh
Mortgage loan portfolios serviced for:
Loan Portfolio Expense	$ 26,063	$ 28,405

Loan Servicing - Additional Inf

Loan Servicing - Additional Information (Details) $ in Millions	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Servicing Assets at Fair Value [Line Items]
Escrow balances maintained in connection with serviced loans	$ 5.3	$ 4.8
Measurement Input, Discount Rate | Minimum
Servicing Assets at Fair Value [Line Items]
Servicing asset, measurement input	0.09	0.09
Measurement Input, Discount Rate | Maximum
Servicing Assets at Fair Value [Line Items]
Servicing asset, measurement input	0.11	0.11
Measurement Input, Prepayment Speed | Minimum
Servicing Assets at Fair Value [Line Items]
Servicing asset, measurement input	1	1
Measurement Input, Prepayment Speed | Maximum
Servicing Assets at Fair Value [Line Items]
Servicing asset, measurement input	8.70	4.18

Loan Servicing - Summary of Act

Loan Servicing - Summary of Activity for Mortgage Servicing Rights of Acquisition (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Servicing rights:
Beginning balance	$ 3,452	$ 3,331	$ 3,403
Additions	644	588	960
Acquired In Merger	0	305	0
Amortization to expense	(968)	(735)	(1,015)
Total servicing rights before valuation allowance	3,128	3,489	3,348
Change in valuation allowance	(35)	(37)	(17)
Ending balance	$ 3,093	$ 3,452	$ 3,331

Fair Value (Details Textual)

Fair Value (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Securities fair value less than amortized cost	$ 0
Fair value assets liabilities transfers amount between level 1 and level 2	$ 0	$ 0

Fair Value (Details)

Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financial Assets
Securities available for sale	$ 1,266,553	$ 1,299,701
Fair Value, Measurements, Recurring
Financial Assets
Total investment securities	1,266,553	1,299,701
U.S. Treasury and U.S. government sponsored entities
Financial Assets
Securities available for sale	115,107	127,955
U.S. Treasury and U.S. government sponsored entities | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	115,107	127,955
State and political subdivisions
Financial Assets
Securities available for sale	504,880	556,169
State and political subdivisions | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	504,880	556,169
Mortgage-backed securities - residential
Financial Assets
Securities available for sale	492,867	520,386
Mortgage-backed securities - residential | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	492,867	520,386
Equity securities at fair value | Fair Value, Measurements, Recurring
Financial Assets
Equity securities	277	226
Corporate bonds
Financial Assets
Securities available for sale	17,448	18,275
Corporate bonds | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	17,448	18,275
Collateralized mortgage obligations
Financial Assets
Securities available for sale	133,776	73,999
Collateralized mortgage obligations | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	133,776	73,999
Small Business Administration
Financial Assets
Securities available for sale	2,475	2,917
Small Business Administration | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	2,475	2,917
Interest rate lock commitments | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets	19	109
Interest rate swaps | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets	$ 3,766	$ 4,191
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets
Financial Liabilities
Derivative liabilities	$ 3,766	$ 4,191
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities	Other Liabilities
Fair value hedge derivative | Fair Value, Measurements, Recurring
Financial Liabilities
Derivative liabilities	$ 168	$ 836
Loans held for sale | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets	5,005	3,711
Mortgage banking derivative | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets		14
Financial Liabilities
Derivative liabilities	17
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Measurements, Recurring
Financial Assets
Total investment securities	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. Treasury and U.S. government sponsored entities | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | State and political subdivisions | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage-backed securities - residential | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Equity securities at fair value | Fair Value, Measurements, Recurring
Financial Assets
Equity securities	277	226
Quoted Prices in Active Markets for Identical Assets (Level 1) | Corporate bonds | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateralized mortgage obligations | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Small Business Administration | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Interest rate lock commitments | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Interest rate swaps | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets	0	0
Financial Liabilities
Derivative liabilities	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Loans held for sale | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage banking derivative | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets		0
Financial Liabilities
Derivative liabilities	0
Significant Other Observable Inputs (Level 2) | Fair Value, Measurements, Recurring
Financial Assets
Total investment securities	1,265,144	1,298,361
Significant Other Observable Inputs (Level 2) | U.S. Treasury and U.S. government sponsored entities | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	115,107	127,955
Significant Other Observable Inputs (Level 2) | State and political subdivisions | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	504,880	556,169
Significant Other Observable Inputs (Level 2) | Mortgage-backed securities - residential | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	492,867	520,386
Significant Other Observable Inputs (Level 2) | Equity securities at fair value | Fair Value, Measurements, Recurring
Financial Assets
Equity securities	0	0
Significant Other Observable Inputs (Level 2) | Corporate bonds | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	16,039	16,935
Significant Other Observable Inputs (Level 2) | Collateralized mortgage obligations | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	133,776	73,999
Significant Other Observable Inputs (Level 2) | Small Business Administration | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	2,475	2,917
Significant Other Observable Inputs (Level 2) | Interest rate lock commitments | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets	19	109
Significant Other Observable Inputs (Level 2) | Interest rate swaps | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets	3,766	4,191
Financial Liabilities
Derivative liabilities	3,766	4,191
Significant Other Observable Inputs (Level 2) | Fair value hedge derivative | Fair Value, Measurements, Recurring
Financial Liabilities
Derivative liabilities	168	836
Significant Other Observable Inputs (Level 2) | Loans held for sale | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets	5,005	3,711
Significant Other Observable Inputs (Level 2) | Mortgage banking derivative | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets		14
Financial Liabilities
Derivative liabilities	17
Significant Unobservable Inputs (Level 3) | Fair Value, Measurements, Recurring
Financial Assets
Total investment securities	1,409	1,340
Significant Unobservable Inputs (Level 3) | U.S. Treasury and U.S. government sponsored entities | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	0	0
Significant Unobservable Inputs (Level 3) | State and political subdivisions | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	0	0
Significant Unobservable Inputs (Level 3) | Mortgage-backed securities - residential | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	0	0
Significant Unobservable Inputs (Level 3) | Equity securities at fair value | Fair Value, Measurements, Recurring
Financial Assets
Equity securities	0	0
Significant Unobservable Inputs (Level 3) | Corporate bonds | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	1,409	1,340
Significant Unobservable Inputs (Level 3) | Collateralized mortgage obligations | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	0	0
Significant Unobservable Inputs (Level 3) | Small Business Administration | Fair Value, Measurements, Recurring
Financial Assets
Securities available for sale	0	0
Significant Unobservable Inputs (Level 3) | Interest rate lock commitments | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets	0	0
Significant Unobservable Inputs (Level 3) | Interest rate swaps | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets	0	0
Financial Liabilities
Derivative liabilities	0	0
Significant Unobservable Inputs (Level 3) | Fair value hedge derivative | Fair Value, Measurements, Recurring
Financial Liabilities
Derivative liabilities	0	0
Significant Unobservable Inputs (Level 3) | Loans held for sale | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets	0	0
Significant Unobservable Inputs (Level 3) | Mortgage banking derivative | Fair Value, Measurements, Recurring
Financial Assets
Derivative Assets		$ 0
Financial Liabilities
Derivative liabilities	$ 0

Fair Value (Details 1)

Fair Value (Details 1) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs
Beginning Balance	$ 1,340	$ 1	$ 3
Transfers between levels	0	0	0
Acquired and/or purchased	0	1,600	0
Discount accretion (premium amortization)	54	48	0
Repayments, calls and maturities	15	(401)	(2)
Changes to unrealized gains (losses)	$ 0	$ 92	$ 0
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax	Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax	Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax
Ending Balance	$ 1,409	$ 1,340	$ 1

Fair Value (Details 2)

Fair Value (Details 2) - Fair Value, Nonrecurring - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Commercial and Industrial
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	$ 2,418	$ 267
Commercial real estate, Non-Owner occupied
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	7,286	838
1-4 family residential
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	1,132	1,547
Mortgage servicing rights
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	403
Quoted Prices in Active Markets for Identical Assets (Level 1) | Commercial and Industrial
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Commercial real estate, Non-Owner occupied
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | 1-4 family residential
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage servicing rights
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	0
Significant Other Observable Inputs (Level 2) | Commercial and Industrial
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	0	0
Significant Other Observable Inputs (Level 2) | Commercial real estate, Non-Owner occupied
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	0	0
Significant Other Observable Inputs (Level 2) | 1-4 family residential
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	0	0
Significant Other Observable Inputs (Level 2) | Mortgage servicing rights
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	403
Significant Unobservable Inputs (Level 3) | Commercial and Industrial
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	2,418	267
Significant Unobservable Inputs (Level 3) | Commercial real estate, Non-Owner occupied
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	7,286	838
Significant Unobservable Inputs (Level 3) | 1-4 family residential
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	1,132	$ 1,547
Significant Unobservable Inputs (Level 3) | Mortgage servicing rights
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Recorded Investment	$ 0

Fair Value (Details 3)

Fair Value (Details 3) - Fair Value, Nonrecurring $ in Thousands	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Sales Comparison Valuation | Commercial real estate
Fair value measurements for financial instruments
Recorded Investment		$ 838
Sales Comparison Valuation | Commercial real estate | Weighted Average | Measurement Input, Comparability Adjustment
Fair value measurements for financial instruments
Adjustment for differences between earning multiplier and comparable sales, Percent		(0.4965)
Sales Comparison Valuation | Commercial
Fair value measurements for financial instruments
Recorded Investment	$ 2,418	$ 267
Sales Comparison Valuation | Commercial | Weighted Average | Measurement Input, Comparability Adjustment
Fair value measurements for financial instruments
Adjustment for differences between earning multiplier and comparable sales, Percent	0.0667	0.6438
Sales Comparison Valuation | Residential Real Estate
Fair value measurements for financial instruments
Recorded Investment	$ 1,132	$ 1,547
Sales Comparison Valuation | Residential Real Estate | Minimum | Measurement Input, Comparability Adjustment
Fair value measurements for financial instruments
Adjustment for differences between earning multiplier and comparable sales, Percent	(0.0891)	(0.0539)
Sales Comparison Valuation | Residential Real Estate | Maximum | Measurement Input, Comparability Adjustment
Fair value measurements for financial instruments
Adjustment for differences between earning multiplier and comparable sales, Percent	0.0622	(0.0211)
Sales Comparison Valuation | Residential Real Estate | Weighted Average | Measurement Input, Comparability Adjustment
Fair value measurements for financial instruments
Adjustment for differences between earning multiplier and comparable sales, Percent	(0.0716)	(0.0267)
Income approach | Commercial real estate
Fair value measurements for financial instruments
Recorded Investment	$ 7,286
Income approach | Commercial real estate | Minimum | Measurement Input, Comparability Adjustment
Fair value measurements for financial instruments
Adjustment for differences between earning multiplier and comparable sales, Percent	(0.5603)
Income approach | Commercial real estate | Maximum | Measurement Input, Comparability Adjustment
Fair value measurements for financial instruments
Adjustment for differences between earning multiplier and comparable sales, Percent	0.6902	0.4677
Income approach | Commercial real estate | Weighted Average | Measurement Input, Comparability Adjustment
Fair value measurements for financial instruments
Adjustment for differences between earning multiplier and comparable sales, Percent	(0.4071)	(0.1663)

Fair Value (Details 4)

Fair Value (Details 4) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financial assets
Cash and cash equivalents, Carrying Amount	$ 85,738	$ 103,658
Regulatory stock, Carrying Amount	30,669	20,197
Loans, net, Carrying Amount	3,232,483	3,163,687
Financial liabilities
Deposits, Carrying Amount	4,266,779	4,177,386
Short-term borrowings	305,000	355,000
Long-term borrowings	86,150	88,663
Fair Value, Measurements, Recurring
Financial assets
Cash and cash equivalents, Fair Value	85,738	103,658
Loans, net, Fair Value	3,082,292	3,015,732
Financial liabilities
Deposits, Fair Value	4,265,083	4,171,601
Short-term borrowings, Fair Value	305,000	355,000
Long-term borrowings, Fair Value	78,721	70,893
Fair Value, Measurements, Recurring | Level 1
Financial assets
Cash and cash equivalents, Fair Value	20,426	28,896
Loans, net, Fair Value	0	0
Financial liabilities
Deposits, Fair Value	3,429,116	3,452,104
Short-term borrowings, Fair Value	0	0
Long-term borrowings, Fair Value	0	0
Fair Value, Measurements, Recurring | Level 2
Financial assets
Cash and cash equivalents, Fair Value	65,312	74,762
Loans, net, Fair Value	0	0
Financial liabilities
Deposits, Fair Value	835,967	719,497
Short-term borrowings, Fair Value	305,000	355,000
Long-term borrowings, Fair Value	78,721	70,893
Fair Value, Measurements, Recurring | Level 3
Financial assets
Cash and cash equivalents, Fair Value	0	0
Loans, net, Fair Value	3,082,292	3,015,732
Financial liabilities
Deposits, Fair Value	0	0
Short-term borrowings, Fair Value	0	0
Long-term borrowings, Fair Value	$ 0	$ 0

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Premises and equipment
Premises and equipment, gross	$ 84,813	$ 74,146
Less accumulated depreciation	(32,539)	(29,782)
Net book value	52,274	44,364
Land
Premises and equipment
Premises and equipment, gross	9,514	10,134
Buildings
Premises and equipment
Premises and equipment, gross	49,479	40,291
Furniture Fixtures and Equipment
Premises and equipment
Premises and equipment, gross	21,657	20,281
Leasehold Improvements
Premises and equipment
Premises and equipment, gross	$ 4,163	$ 3,440

Premises and Equipment (Detai_2

Premises and Equipment (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Premises and Equipment (Textual) [Abstract]
Depreciation expense	$ 3.1	$ 3.4	$ 2.5

Premises and Equipment (Detai_3

Premises and Equipment (Details 1) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 01, 2024	Dec. 31, 2023	Jan. 01, 2023
Property Plant And Equipment [Line Items]
Total	$ 9,700	$ 971	$ 8,800	$ 1,300
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets	Other assets	Other assets

Leases (Details Textual)

Leases (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 01, 2024	Jan. 01, 2023
Lessee Lease Description [Line Items]
Operating leases options to extend [true false]	true
Operating leases options to terminate the lease	of 2025
Operating lease, description	The Company has operating leases for branch office locations, vehicles and certain office equipment such as printers and copiers. The leases have remaining lease terms of up to 16.6 years, some of which include options to extend the lease for up to 15 years, while other leases have the option to terminate in March of 2025. The Beachwood branch lease located at 24755 Chagrin Blvd. was terminated effective January, 31 2025, and the Branch was moved into a new location at 22835 Chagrin Blvd on February 3, 2025. This new lease location was effective in December of 2024, with an initial right of use asset and lease liability recorded of $971 thousand.
Operating lease, right-of-use asset	$ 9,700	$ 8,800		$ 971	$ 1,300
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets	Other Assets		Other Assets	Other Assets
Operating lease liability	$ 9,942	$ 9,000		$ 971	$ 1,300
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other liabilities	Other liabilities		Other liabilities	Other liabilities
Operating lease, expense	$ 1,400	$ 1,200	$ 1,000
Weighted average remaining lease term	9 years 11 months 19 days	10 years 11 months 19 days
Weighted-average discount rate	3.33%	2.99%
Maximum
Lessee Lease Description [Line Items]
Operating leases remaining lease terms	16 years 7 months 6 days
Operating leases options to extend	15 years

Leases (Details)

Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 01, 2024	Dec. 31, 2023	Jan. 01, 2023
Lessee, Operating Lease, Liability, to be Paid, Fiscal Year Maturity [Abstract]
2025	$ 1,393
2026	1,279
2027	1,198
2028	1,214
2029	1,110
Thereafter	5,652
Total Payments	11,846
Less: Imputed Interest	(1,904)
Total	$ 9,942	$ 971	$ 9,000	$ 1,300

Goodwill and Intangible Asset_2

Goodwill and Intangible Assets (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill associated with the Company's purchases and other past acquisitions	$ 167,450	$ 167,446
Aggregate intangible amortization expense	$ 2,861	$ 3,434	$ 1,973

Goodwill and Intangible Asset_3

Goodwill and Intangible Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Acquired intangible assets
Gross Carrying Amount	$ 41,678	$ 40,908
Accumulated Amortization	(20,928)	(18,066)
Customer Relationships
Acquired intangible assets
Gross Carrying Amount	7,975	7,210
Accumulated Amortization	(7,088)	(6,953)
Non-compete contracts
Acquired intangible assets
Gross Carrying Amount	457	457
Accumulated Amortization	(426)	(413)
Trade Name
Acquired intangible assets
Gross Carrying Amount	1,131	1,126
Accumulated Amortization	(468)	(440)
Core Deposits
Acquired intangible assets
Gross Carrying Amount	32,115	32,115
Accumulated Amortization	$ (12,946)	$ (10,260)

Goodwill and Intangible Asset_4

Goodwill and Intangible Assets (Details 1) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Finite Lived Intangible Assets Future Amortization Expense [Abstract]
2025	$ 2,899
2026	2,798
2027	2,684
2028	2,674
2029	2,665
Thereafter	7,030
Total	$ 20,750	$ 22,842

Deposits (Details 1)

Deposits (Details 1) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Summary of year-end interest bearing deposits
Noninterest-bearing demand	$ 965,507	$ 1,026,630
Interest-bearing demand	1,366,255	1,362,609
Money market	682,558	593,975
Savings	414,796	468,890
Brokered time deposits	74,951	0
Certificates of deposit	762,712	725,282
Total	$ 4,266,779	$ 4,177,386

Deposits (Details Textual)

Deposits (Details Textual) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Interest Bearing Deposits (Textual) [Abstract]
Minimum time deposits amount	$ 250,000
Time deposits of $100 thousand or more	$ 290,300,000	$ 258,200,000

Deposits (Details)

Deposits (Details) $ in Thousands	Dec. 31, 2024 USD ($)
Summary of scheduled maturities of certificates of deposit
2025	$ 790,004
2026	21,574
2027	9,018
2028	4,098
2029	6,550
Thereafter	6,419
Total	$ 837,663
Investment, Type [Extensible Enumeration]	Certificates Of Deposit And Brokered Time Deposits [Member]

Short-term borrowings (Details

Short-term borrowings (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2024
Short Term Debt [Line Items]
Short-term borrowings	$ 355,000,000	$ 305,000,000
Short-Term Debt
Short Term Debt [Line Items]
Interest rate on borrowings	4.83%
Short-term borrowings	$ 285,000,000
Securities par value	$ 298,100,000
Short-term Borrowing maturity	2024-12
Domestic Line of Credit
Short Term Debt [Line Items]
Access to line of credit at domestic bank		25,000,000
Unsecured revolving line of credit, outstanding balance	$ 0	0
Revolving Credit Facility | Farmers National Banc Corp | Unsecured Debt
Short Term Debt [Line Items]
Unsecured revolving line of credit, outstanding balance		5,000,000
Letter of Credit
Short Term Debt [Line Items]
Unsecured revolving line of credit, outstanding balance	0	$ 0
Debt Instrument, Interest Rate, Stated Percentage		3.50%
Pledged
Short Term Debt [Line Items]
Short-term Federal Home Loan Banks advances	$ 70,000,000	$ 305,000,000
Interest rate on borrowings	5.41%	4.45%

Long-term Borrowings (Details T

Long-term Borrowings (Details Textual) - USD ($)				1 Months Ended		12 Months Ended
	Nov. 01, 2021	Jan. 07, 2020	Dec. 31, 2015	Aug. 31, 2024	Nov. 30, 2021	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Debt Instrument [Line Items]
Long-rem advances from FHLB						$ 0	$ 0
Residential mortgage, commercial real estate, and multi-family loans						1,700,000,000	1,600,000,000
Additional borrowing limit						549,700,000
Outstanding subordinated notes						$ 2,535,000	$ 0	$ 0
Subordinated Notes
Debt Instrument [Line Items]
Aggregate principal amount					$ 75,000,000
Maturity date					Dec. 15, 2031
Fixed rate					3.125%
Notes maturity term					5 years
Basis spread on variable rate					220%
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]						us-gaap:SecuredOvernightFinancingRateSofrMember
Net proceeds from sale					$ 73,800,000
Outstanding subordinated notes				$ 3,000,000
Junior Subordinated Debt Securities | Cortland Bank
Debt Instrument [Line Items]
Maturity date	Sep. 15, 2037
Basis spread on variable rate	1.45%
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]						us-gaap:SecuredOvernightFinancingRateSofrMember
Debt instrument, additional spread adjustment	0.26%
Business acquisition, date of merger agreement	Nov. 01, 2021
Acquisition-date fair value	$ 4,300,000
Interest rate, effective percentage						6.07%	7.10%
Junior Subordinated Debt Securities | Maple Leaf
Debt Instrument [Line Items]
Maturity date		Dec. 15, 2036
Basis spread on variable rate		1.70%
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]						us-gaap:SecuredOvernightFinancingRateSofrMember
Debt instrument, additional spread adjustment		0.26%
Business acquisition, date of merger agreement		Jan. 07, 2020
Interest rate, effective percentage						6.42%	7.45%
Junior Subordinated Debt Securities | National Bancshares Corporation
Debt Instrument [Line Items]
Maturity date			Jun. 15, 2035
Basis spread on variable rate			1.80%
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]						us-gaap:SecuredOvernightFinancingRateSofrMember
Debt instrument, additional spread adjustment		0.26%
Interest rate, effective percentage						6.32%	7.35%

Long-term Borrowings (Details 1

Long-term Borrowings (Details 1) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Total junior subordinated debentures owed to unconsolidated subsidiary trusts	$ 14,971	$ 14,643
Subordinated debentures	71,179	74,020
Total long-term borrowings	86,150	88,663
TSEO Statutory Trust I
Debt Instrument [Line Items]
Total junior subordinated debentures owed to unconsolidated subsidiary trusts	2,570	2,521
Maple Leaf Financial Statutory Trust II
Debt Instrument [Line Items]
Total junior subordinated debentures owed to unconsolidated subsidiary trusts	7,964	7,740
Cortland Statutory Trust I
Debt Instrument [Line Items]
Total junior subordinated debentures owed to unconsolidated subsidiary trusts	$ 4,437	$ 4,382

Commitments and Contingent Li_3

Commitments and Contingent Liabilities (Details) - Commitments and Unused Lines of Credit - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Fixed Rate
The contractual amounts of financial instruments with off-balance-sheet risk at year end
Total contractual amounts of financial instruments with off-balance-sheet risk	$ 114,603	$ 150,697
Variable Rate
The contractual amounts of financial instruments with off-balance-sheet risk at year end
Total contractual amounts of financial instruments with off-balance-sheet risk	$ 622,379	$ 647,843

Commitments and Contingent Li_4

Commitments and Contingent Liabilities (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Commitments and Contingent Liabilities (Additional Textual) [Abstract]
Maximum commitment period to make loans	30 days
Standby letters of credit contractual value	$ 6,400,000	$ 6,800,000
Maximum subscription amount committed in SBIC investment funds	20,200,000
Investment in SBIC funds	$ 16,600,000
Commitments and Unused Lines of Credit | Minimum
Commitments and Contingent Liabilities (Textual) [Abstract]
Debt Instrument, Interest Rate, Stated Percentage	2.50%	2.50%
Commitments and Unused Lines of Credit | Maximum
Commitments and Contingent Liabilities (Textual) [Abstract]
Debt Instrument, Interest Rate, Stated Percentage	21.90%	21.90%

Stock Based Compensation (Detai

Stock Based Compensation (Details Textual) - 2022 Incentive Plan - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Apr. 30, 2022
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of shares vested	159,296
Number of shares vested, weighted average fair value	$ 13.21
Total fair value of shares vested	$ 2,100	$ 969	$ 1,700
Restricted Stock Awards
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Maximum shares available under equity incentive plan				1,000,000
Number of shares available for grant	547,681
Stock based compensation expense	$ 2,600	$ 2,600	$ 1,800
Unrecognized compensation expense	$ 2,500
Compensation cost not yet recognized, period for recognition	2 years 2 months 12 days
Time Based Restricted Stock Awards
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Share awards granted under equity incentive plan	87,925	105,891
Number of shares vested	93,104	41,401
Number of shares vested, weighted average fair value	$ 12.79	$ 12.78
Performance Based Restricted Stock Awards
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Share awards granted under equity incentive plan	99,253	102,750
Number of shares vested	66,192	30,635
Number of shares vested, weighted average fair value	$ 13.79	$ 14.35

Stock Based Compensation (Det_2

Stock Based Compensation (Details) - 2022 Incentive Plan - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vested, Maximum Awarded Units	(159,296)
Vested, Weighted Average Grant Date Fair Value	$ 13.21
Time Based Restricted Stock Awards
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Beginning balance - non-vested shares, Maximum Awarded Unit	253,776	193,015
Granted, Maximum Awarded Units	87,925	105,891
Vested, Maximum Awarded Units	(93,104)	(41,401)
Forfeited, Maximum Awarded Units	(17,167)	(3,729)
Ending balance - non-vested shares, Maximum Awarded Unit	231,430	253,776
Beginning balance - non-vested shares, Weighted Average Grant Date Fair Value	$ 14.97	$ 16.69
Granted, Weighted Average Grant Date Fair Value	13.28	10.63
Vested, Weighted Average Grant Date Fair Value	12.79	12.78
Forfeited, Weighted Average Grant Date Fair Value	16.01	14.65
Ending balance - non-vested shares, Weighted Average Grant Date Fair Value	$ 14.35	$ 14.97
Performance Based Restricted Stock Awards
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Beginning balance - non-vested shares, Maximum Awarded Unit	209,484	137,369
Granted, Maximum Awarded Units	99,253	102,750
Vested, Maximum Awarded Units	(66,192)	(30,635)
Forfeited, Maximum Awarded Units	(19,625)	0
Ending balance - non-vested shares, Maximum Awarded Unit	222,920	209,484
Beginning balance - non-vested shares, Weighted Average Grant Date Fair Value	$ 15.01	$ 15.85
Granted, Weighted Average Grant Date Fair Value	13.81	14.16
Vested, Weighted Average Grant Date Fair Value	13.79	14.35
Forfeited, Weighted Average Grant Date Fair Value	15.05	0
Ending balance - non-vested shares, Weighted Average Grant Date Fair Value	$ 14.57	$ 15.01

Regulatory Matters (Details Tex

Regulatory Matters (Details Textual) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Regulatory Matters (Additional Textual) [Abstract]
Common equity tier 1 capital to risk-weighted assets, capital conservation buffer ratio	2.50%
Tier 1 capital to risk-weighted assets, capital conservation buffer ratio	2.50%
Total capital to risk-weighted assets, capital conservation buffer ratio	2.50%
Capital conservation buffer ratio	2.50%	2.50%
Capital conservation buffer, additional capital amount required	$ 93,300,000	$ 92,400,000
Minimum ratio of common equity tier 1 capital to risk-weighted assets	4.50%	4.50%
Minimum ratio of total capital to risk-weighted assets	0.08	0.08
Minimum ratio of tier 1 capital to risk-weighted assets	0.06	0.06
Minimum leverage ratio	0.04	0.04
Farmers National Banc Corp
Regulatory Matters (Additional Textual) [Abstract]
Minimum ratio of common equity tier 1 capital to risk-weighted assets	4.50%	4.50%
Minimum ratio of total capital to risk-weighted assets	0.08	0.08
Minimum ratio of tier 1 capital to risk-weighted assets	0.060	0.06
Minimum leverage ratio	0.04	0.04
Dividends that can be declared without prior approval	$ 83,600,000
Farmers Trust Company
Regulatory Matters (Additional Textual) [Abstract]
Minimum capital maintained by trust	3,000,000
Dividends that can be declared without prior approval	$ 2,000,000

Regulatory Matters (Details)

Regulatory Matters (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Common equity tier 1 capital ratio
Actual, Amount	$ 415,825	$ 392,244
Actual, Ratio	11.14%	10.61%
Requirement for Capital Adequacy Purposes, Amount	$ 167,991	$ 166,303
Requirement for Capital Adequacy Purposes, Ratio	4.50%	4.50%
Total risk based capital ratio
Actual, Amount	$ 543,250	$ 519,684
Actual, Ratio	0.1455	0.1406
Requirement for Capital Adequacy Purposes, Amount	$ 298,651	$ 295,650
Requirement for Capital Adequacy Purposes, Ratio	0.08	0.08
Tier 1 risk based capital ratio
Actual, Amount	$ 433,825	$ 410,244
Actual, Ratio	0.1162	0.111
Requirement for Capital Adequacy Purposes, Amount	$ 223,988	$ 221,737
Requirement for Capital Adequacy Purposes, Ratio	0.06	0.06
Tier 1 leverage ratio
Actual, Amount	$ 433,825	$ 410,244
Actual, Ratio	0.0836	0.0802
Requirement for Capital Adequacy Purposes, Amount	$ 207,544	$ 204,598
Requirement for Capital Adequacy Purposes, Ratio	0.04	0.04
Farmers National Banc Corp
Common equity tier 1 capital ratio
Actual, Amount	$ 442,747	$ 411,304
Actual, Ratio	11.88%	11.15%
Requirement for Capital Adequacy Purposes, Amount	$ 167,712	$ 165,996
Requirement for Capital Adequacy Purposes, Ratio	4.50%	4.50%
To be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 242,251	$ 239,772
To be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	6.50%	6.50%
Total risk based capital ratio
Actual, Amount	$ 480,173	$ 447,584
Actual, Ratio	0.1288	0.1213
Requirement for Capital Adequacy Purposes, Amount	$ 298,155	$ 295,104
Requirement for Capital Adequacy Purposes, Ratio	0.08	0.08
To be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 372,694	$ 368,881
To be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.10	0.10
Tier 1 risk based capital ratio
Actual, Amount	$ 442,747	$ 411,304
Actual, Ratio	0.1188	0.1115
Requirement for Capital Adequacy Purposes, Amount	$ 223,616	$ 221,328
Requirement for Capital Adequacy Purposes, Ratio	0.060	0.06
To be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 298,155	$ 295,104
To be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.080	0.08
Tier 1 leverage ratio
Actual, Amount	$ 442,747	$ 411,304
Actual, Ratio	0.0855	0.0807
Requirement for Capital Adequacy Purposes, Amount	$ 207,066	$ 203,989
Requirement for Capital Adequacy Purposes, Ratio	0.04	0.04
To be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 258,832	$ 254,986
To be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.050	0.05

Employee Benefit Plans (Details

Employee Benefit Plans (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Defined Benefit Plan Disclosure [Line Items]
Liability	$ 222	$ 231
Benefit	9	7	$ 5
National Bancshares Corporation
Defined Benefit Plan Disclosure [Line Items]
(Benefit) expense under the plan	60	36	(105)
Liability under the Plan	$ 742	751
Director age for eligibility for annual retirement benefit plan	70 years
Maximum years for benefit payment under the plan	15 years
Cortland Acquisition
Defined Benefit Plan Disclosure [Line Items]
Period of benefits paid for after retirement	15 years
Payment benefit for director retirement	$ 10
Period over which benefits paid to directors after retirement	10 years
Liability for post-retirement benefits	$ 972	1,000
Expense recognized for plans	36	37	87
Benefits expected to be paid in 2025	81
Cortland Acquisition | Officers’ Plan
Defined Benefit Plan Disclosure [Line Items]
Liability for post-retirement benefits	818	870
Cortland Acquisition | Directors Plan
Defined Benefit Plan Disclosure [Line Items]
Liability for post-retirement benefits	154	148
Emclaire Acquisition
Defined Benefit Plan Disclosure [Line Items]
(Benefit) expense under the plan	23	37
Liability for post-retirement benefits	807	846
Benefits expected to be paid in 2025	$ 62
Retirement Savings Plan
Defined Benefit Plan Disclosure [Line Items]
Employees who have completed no days of service	90 days
Percentage of matching contribution by company	50%
(Benefit) expense under the plan	$ 1,100	1,000	870
Retirement Savings Plan | Maximum
Defined Benefit Plan Disclosure [Line Items]
Percentage of the participants' voluntary contributions of gross wages	6%
Profit Sharing Plan
Defined Benefit Plan Disclosure [Line Items]
(Benefit) expense under the plan	$ 252	0	207
Deferred Compensation Plan
Defined Benefit Plan Disclosure [Line Items]
(Benefit) expense under the plan	4	5	$ 6
Liability under the Plan	59	71
Deferred compensation plan liability recorded	$ 4,200	$ 3,400

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Provision for income taxes (credit)
Current expense	$ 7,089	$ 9,230	$ 10,885
Deferred expense (benefit)	2,389	(464)	1,353
Totals	$ 9,478	$ 8,766	$ 12,238

Income Taxes (Details Textual)

Income Taxes (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Income Taxes (Textual) [Abstract]
Federal statutory income tax rate	21%
Valuation allowance for deferred tax assets	$ 0	$ 0
Unrecognized tax benefits	$ 0	$ 0
Open tax year	2021 2022 2023

Income Taxes (Details 1)

Income Taxes (Details 1) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Effective Income Tax Rate Reconciliation, Amount [Abstract]
Statutory tax	$ 11,640	$ 12,327	$ 15,295
Effect of nontaxable interest	(1,771)	(2,040)	(2,591)
Bank owned life insurance, net	(558)	(513)	(380)
Tax credit investments	(565)	(366)	(194)
Effect of nontaxable insurance premiums	0	(404)	(318)
Stock compensation	28	41	(63)
Other	704	(279)	489
Totals	$ 9,478	$ 8,766	$ 12,238

Income Taxes (Details 2)

Income Taxes (Details 2) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deferred tax assets:
Allowance for credit losses	$ 7,548	$ 7,235
Net unrealized loss on securities available for sale	51,267	45,599
Net unrealized loss on swap derivative	107	269
Basis in investment securities	6,551	6,976
Purchase accounting adjustments	2,797	4,147
Deferred and accrued compensation	2,310	2,060
Nonaccrual loan interest income	358	659
Restricted stock	856	795
Lease liabilities	2,340	2,164
Other	0	198
Gross deferred tax assets	74,134	70,102
Deferred tax liabilities:
Depreciation and amortization	(1,738)	(1,701)
Mortgage servicing rights	(651)	(725)
Prepaid expenses	(45)	(41)
Lease right of use asset	(2,281)	(2,116)
Other	(783)	0
Gross deferred tax liabilities	(5,498)	(4,583)
Net deferred tax asset	$ 68,636	$ 65,519

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	$ 404,415	$ 292,295	$ 472,432
Other comprehensive income (loss) before reclassification	(23,439)	38,556
Amounts reclassified from accumulated other comprehensive income (loss)	2,728	(620)
Other comprehensive (loss) income, net of tax	(20,711)	37,936	(219,785)
Balance	406,028	404,415	292,295
Net unrealized holding (losses) gains on available for sale securities
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(171,539)	(210,489)
Other comprehensive income (loss) before reclassification	(23,439)	38,557
Amounts reclassified from accumulated other comprehensive income (loss)	2,118	393
Other comprehensive (loss) income, net of tax	(21,321)	38,950
Balance	(192,860)	(171,539)	(210,489)
Reclassification adjustment for (gains) losses realized in income on fair value hedge
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(1,013)	0
Other comprehensive income (loss) before reclassification	0	0
Amounts reclassified from accumulated other comprehensive income (loss)	610	(1,013)
Other comprehensive (loss) income, net of tax	610	(1,013)
Balance	(403)	(1,013)	0
Change in funded status of post-retirement plan
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(2)	(1)
Other comprehensive income (loss) before reclassification	0	(1)
Amounts reclassified from accumulated other comprehensive income (loss)	0	0
Other comprehensive (loss) income, net of tax	0	(1)
Balance	(2)	(2)	(1)
Accumulated Other Comprehensive (Loss) Income
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(172,554)	(210,490)	9,295
Other comprehensive (loss) income, net of tax	(20,711)	37,936	(219,785)
Balance	$ (193,265)	$ (172,554)	$ (210,490)

Related Party Transactions (Det

Related Party Transactions (Details) - Affiliated Entity - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Loans to principal officers, directors, and their affiliates
Beginning balance	$ 12,954	$ 10,491
New loans	23,250	4,404
Repayments	(2,754)	(1,941)
Ending balance	$ 33,450	$ 12,954

Related Party Transactions (D_2

Related Party Transactions (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Related Party Transactions (Textual) [Abstract]
Deposits from principal officers, directors, and their affiliates	$ 54,967	$ 52,886
Affiliated Entity
Related Party Transactions (Textual) [Abstract]
Deposits from principal officers, directors, and their affiliates	$ 13,600
Affiliated Entity | Related Party
Related Party Transactions (Textual) [Abstract]
Deposits from principal officers, directors, and their affiliates		$ 13,400

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Basic EPS
Net income	$ 45,949	$ 49,932	$ 60,597
Weighted average shares outstanding	37,327,848	37,384,122	33,844,945
Basic earnings per share	$ 1.23	$ 1.34	$ 1.79
Diluted EPS
Net income	$ 45,949	$ 49,932	$ 60,597
Weighted average shares outstanding	37,327,848	37,384,122	33,844,945
Average unvested restricted stock awards	184,037	114,147	83,994
Weighted average shares for diluted earnings per share	37,511,885	37,498,269	33,928,939
Diluted earnings per share	$ 1.22	$ 1.33	$ 1.79

Earnings Per Share (Details Tex

Earnings Per Share (Details Textual) - shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Restricted Stock Awards
Earnings Per Share Basic [Line Items]
Anti-dilutive securities excluded from computation of earnings per share	41,884	194,599	201,080

Derivative Financial Instrume_3

Derivative Financial Instruments (Details Textual) - Interest rate swaps - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Derivative [Line Items]
Derivative notional amount	$ 65,700,000	$ 63,900,000
Fair value, other assets	(3,800,000)	(4,200,000)
Fair value, other liabilities	3,800,000	4,200,000
Net Gain or Loss recognized in earnings	0	0
Fair Value Hedge
Derivative [Line Items]
Derivative notional amount	100,000,000	100,000,000
Fair value, other assets	(168,000)	(836,000)
Fair Value Hedge | Other Assets
Derivative [Line Items]
Fair value, other assets	(250,000)	(425,000)
Fair Value Hedge | Other Liabilities
Derivative [Line Items]
Fair value, other assets	$ (418,000)	$ (1,300,000)

Derivative Financial Instrume_4

Derivative Financial Instruments (Details) - Interest rate swaps - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Derivative [Line Items]
Notional amount fair value hedge	$ 65,700	$ 63,900
Fair Value Hedge
Derivative [Line Items]
Notional amount fair value hedge	$ 100,000	$ 100,000
Fixed pay rates	4.35%	4.35%
Variable SOFR receive rates	4.49%	5.38%
Remaining maturity (in years)	1 year 7 months 6 days	2 years 7 months 6 days
Fair value	$ (168)	$ (836)

Derivative Financial Instrume_5

Derivative Financial Instruments (Detail 1) - Not Designated as Hedging Instrument - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Forward sales contracts
Derivative [Line Items]
Net Gain or Loss recognized in earnings	$ 31	$ (45)	$ 362
Interest Rate Lock Commitments
Derivative [Line Items]
Net Gain or Loss recognized in earnings	$ (89)	$ 87	$ 21

Derivative Financial Instrume_6

Derivative Financial Instruments (Detail 2) - Mortgage Banking - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Other Assets
Derivative [Line Items]
Derivative liability, notional amount	$ 11,396	$ 7,400
Derivative liability, fair value	36	109
Forward sales contracts | Other Assets
Derivative [Line Items]
Derivative liability, notional amount	6,500	0
Derivative liability, fair value	17	0
Forward sales contracts | Other Liabilities
Derivative [Line Items]
Derivative liability, notional amount	0	3,300
Derivative liability, fair value	0	(14)
Interest Rate Lock Commitments | Other Assets
Derivative [Line Items]
Derivative liability, notional amount	4,896	7,400
Derivative liability, fair value	$ 19	$ 109

Segment Information (Details Te

Segment Information (Details Textual)	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Segment Reporting, CODM, Individual Title and Position or Group Name [Extensible Enumeration]	srt:ChiefFinancialOfficerMember
Segment Reporting, CODM, Profit (Loss) Measure, How Used, Description	The chief operating decision maker uses revenue streams to evaluate product pricing and significant expenses to assess performance of each segment to evaluate compensation of certain employees. Segment pretax profit is used to assess the performance of the banking segment by monitoring the net interest margin and non-interest expenses. Segment pretax profit is also used to assess the performance of the trust segment by monitoring trust service fees, retirement plan consulting fees and non-interest expenses.

Segment Information (Details)

Segment Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Segment Reporting Information [Line Items]
Total assets	$ 5,118,924	$ 5,078,350
Interest income - loans including fees	185,710	171,808	$ 107,790
Total consolidated revenues	269,448	255,196	186,288
Interest expense - deposits	81,169	63,106	13,085
Total consolidated expenses	214,021	196,498	113,453
Income before taxes	55,427	58,698	72,835
Other segment disclosures
Occupancy and equipment	15,548	15,407	11,357
Intangible amortization	2,861	3,434	1,973
Trust Fees
Segment Reporting Information [Line Items]
Noninterest income	10,099	9,047	8,460
Retirement Plan Consulting Fees
Segment Reporting Information [Line Items]
Noninterest income	2,637	2,467	2,567
Operating Segments
Segment Reporting Information [Line Items]
Total assets	5,121,216	5,080,995
Interest income - loans including fees	185,710	171,808	107,790
Interest income - investments	36,675	36,869	32,565
Total consolidated revenues	235,121	220,191	151,382
Interest expense - deposits	81,169	63,106	13,085
Interest expense - borrowings	18,195	12,443	4,835
Provision for credit losses and unfunded loans	7,966	9,153	1,122
Payroll expenses	58,865	57,301	44,659
Total consolidated expenses	166,195	142,003	63,701
Income before taxes	68,926	78,188	87,681
Operating Segments | Trust Fees
Segment Reporting Information [Line Items]
Noninterest income	10,099	9,047	8,460
Operating Segments | Retirement Plan Consulting Fees
Segment Reporting Information [Line Items]
Noninterest income	2,637	2,467	2,567
Eliminations and Other
Segment Reporting Information [Line Items]
Total assets	(2,292)	(2,645)
Reconciliation
Segment Reporting Information [Line Items]
Total consolidated revenues	34,327	35,005	34,906
Total consolidated expenses	47,826	54,495	49,752
Trust Segment
Other segment disclosures
Occupancy and equipment	528	434	416
Intangible amortization	48	60	75
Trust Segment | Operating Segments
Segment Reporting Information [Line Items]
Total assets	17,204	15,845
Interest income - loans including fees	0	0	0
Interest income - investments	0	0	0
Total consolidated revenues	12,736	11,514	11,027
Interest expense - deposits	0	0	0
Interest expense - borrowings	0	0	0
Provision for credit losses and unfunded loans	0	0	0
Payroll expenses	5,398	4,950	4,746
Total consolidated expenses	5,398	4,950	4,746
Income before taxes	7,338	6,564	6,281
Trust Segment | Operating Segments | Trust Fees
Segment Reporting Information [Line Items]
Noninterest income	10,099	9,047	8,460
Trust Segment | Operating Segments | Retirement Plan Consulting Fees
Segment Reporting Information [Line Items]
Noninterest income	2,637	2,467	2,567
Bank Segment
Other segment disclosures
Occupancy and equipment	15,020	14,973	10,941
Intangible amortization	2,813	3,374	1,898
Bank Segment | Operating Segments
Segment Reporting Information [Line Items]
Total assets	5,104,012	5,065,150
Interest income - loans including fees	185,710	171,808	107,790
Interest income - investments	36,675	36,869	32,565
Total consolidated revenues	222,385	208,677	140,355
Interest expense - deposits	81,169	63,106	13,085
Interest expense - borrowings	18,195	12,443	4,835
Provision for credit losses and unfunded loans	7,966	9,153	1,122
Payroll expenses	53,467	52,351	39,913
Total consolidated expenses	160,797	137,053	58,955
Income before taxes	61,588	71,624	81,400
Bank Segment | Operating Segments | Trust Fees
Segment Reporting Information [Line Items]
Noninterest income	0	0	0
Bank Segment | Operating Segments | Retirement Plan Consulting Fees
Segment Reporting Information [Line Items]
Noninterest income	$ 0	$ 0	$ 0

Parent Company Only Condensed_3

Parent Company Only Condensed Financial Information - Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Assets:
Other investments	$ 306	$ 424
TOTAL ASSETS	5,118,924	5,078,350
Liabilities:
Other liabilities	54,967	52,886
Subordinated debt	71,179	74,020
TOTAL LIABILITIES	4,712,896	4,673,935
Total stockholders' equity	406,028	404,415	$ 292,295	$ 472,432
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	5,118,924	5,078,350
Farmers National Banc Corp
Assets:
Cash	46,011	57,071
TOTAL ASSETS	493,719	495,319
Liabilities:
Other liabilities	1,541	2,241
Subordinated debt	86,150	88,663
TOTAL LIABILITIES	87,691	90,904
Total stockholders' equity	406,028	404,415
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	493,719	495,319
Farmers National Banc Corp | Bank Segment
Assets:
Investment in subsidiaries	432,271	424,393
Farmers National Banc Corp | Farmers Trust
Assets:
Investment in subsidiaries	15,131	13,431
Farmers National Banc Corp | Captive Insurance
Assets:
Investment in subsidiaries	$ 0	$ 0

Parent Company Only Condensed_4

Parent Company Only Condensed Financial Information - Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income:
Dividends from subsidiaries	$ 1,450	$ 1,986	$ 871
Gain on debt extinguishment	444	0	0
Income tax benefit	(9,478)	(8,766)	(12,238)
Net Income	45,949	49,932	60,597
TOTAL COMPREHENSIVE INCOME (LOSS)	25,238	87,868	(159,188)
Farmers National Banc Corp
Income:
Gain on debt extinguishment	444	0	0
Interest and dividends on securities	0	44	0
Total Income	23,444	24,044	39,400
Interest on borrowings	4,090	4,086	3,428
Other expenses	3,418	4,109	3,451
Income before income tax benefit and undistributed subsidiary income	15,936	15,849	32,521
Income tax benefit	1,475	1,624	1,345
Equity in undistributed net income of subsidiaries (dividends in excess of net income)	28,538	32,459	26,731
Net Income	45,949	49,932	60,597
TOTAL COMPREHENSIVE INCOME (LOSS)	25,238	87,868	(159,188)
Farmers National Banc Corp | Bank Segment
Income:
Dividends from subsidiaries	20,000	20,000	30,000
Equity in undistributed net income of subsidiaries (dividends in excess of net income)	26,837	30,848	25,935
Farmers National Banc Corp | Farmers Trust
Income:
Dividends from subsidiaries	3,000	4,000	8,000
Equity in undistributed net income of subsidiaries (dividends in excess of net income)	1,701	(320)	662
Farmers National Banc Corp | Captive Insurance
Income:
Dividends from subsidiaries	0	0	1,400
Equity in undistributed net income of subsidiaries (dividends in excess of net income)	$ 0	$ 1,931	$ 134

Parent Company Only Condensed_5

Parent Company Only Condensed Financial Information - Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Cash flows from operating activities:
Net income	$ 45,949	$ 49,932	$ 60,597
(Gain) on debt extinguishment	(444)	0	0
NET CASH FROM OPERATING ACTIVITIES	66,615	62,928	81,501
Cash flows from investing activities:
NET CASH (USED IN) FROM INVESTING ACTIVITIES	(95,125)	77,936	(205,507)
Cash flows from financing activities:
Repurchase of common shares	0	(11,544)	0
Redemption of subordinated debentures	(2,535)	0	0
Cash dividends paid	(25,388)	(25,396)	(22,004)
NET CASH FROM (USED IN) FINANCING ACTIVITIES	10,590	(112,757)	86,767
NET CHANGE IN CASH AND CASH EQUIVALENTS	(17,920)	28,107	(37,239)
Farmers National Banc Corp
Cash flows from operating activities:
Net income	45,949	49,932	60,597
Dividends in excess of net income (Equity in undistributed net income of subsidiaries)	(28,538)	(32,459)	(26,731)
(Gain) on debt extinguishment	(444)	0	0
Other	(104)	5,481	559
NET CASH FROM OPERATING ACTIVITIES	16,863	22,954	34,425
Cash flows from investing activities:
Net cash paid in business combinations	0	(33,440)	0
NET CASH (USED IN) FROM INVESTING ACTIVITIES	0	(33,440)	0
Cash flows from financing activities:
Repurchase of common shares	0	(11,544)	0
Redemption of subordinated debentures	(2,535)	0	0
Cash dividends paid	(25,388)	(25,396)	(22,004)
NET CASH FROM (USED IN) FINANCING ACTIVITIES	(27,923)	(36,940)	(22,004)
NET CHANGE IN CASH AND CASH EQUIVALENTS	(11,060)	(47,426)	12,421
Beginning cash and cash equivalents	57,071	104,497	92,076
Ending cash and cash equivalents	$ 46,011	$ 57,071	$ 104,497

Qualified Affordable Housing _2

Qualified Affordable Housing Project Investments (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Investment Program, Proportional Amortization Method, Elected [Line Items]
Qualified affordable housing projects	$ 22,000,000	$ 17,900,000
Investment, Proportional Amortization Method, Elected, Statement of Financial Position [Extensible Enumeration]	Affordable Housing Investments	Affordable Housing Investments
Total unfunded commitments	$ 13,900,000	$ 12,300,000
Amortization expense	$ 1,900,000	$ 1,700,000
Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Income or Comprehensive Income [Extensible Enumeration]	Income taxes	Income taxes
Investment Program Proportional Amortization Method Applied Income Tax Credit And Other Tax Benefit Amortization Statement Of Cash Flows [Extensible Enumeration Not Disclosed Flag]	true	true
Tax credits and other benefits	$ 2,300,000	$ 2,200,000
Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Cash Flows [Extensible Enumeration]	Increase (Decrease) in Other Operating Assets and Liabilities, Net	Increase (Decrease) in Other Operating Assets and Liabilities, Net
Investment Program Proportional Amortization Method Elected Income Tax Credit And Other Income Tax Benefit Before Amortization Statement Of Income Or Comprehensive Income [Extensible Enumeration Not Disclosed Flag]	true	true
Impairment losses	$ 0	$ 0