QCR (QCRH) 10-Q9 May 232023 Q1 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
Document and Entity Information - shares	Mar. 31, 2023	May 01, 2023
Document and Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Mar. 31, 2023
Entity File Number	0-22208
Entity Registrant Name	QCR HOLDINGS, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	42-1397595
Entity Address, Address Line One	3551 7th Street
Entity Address, City or Town	Moline
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	61265
City Area Code	309
Local Phone Number	736-3580
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Title of 12(b) Security	Common Stock, $1.00 Par Value
Trading Symbol	QCRH
Security Exchange Name	NASDAQ
Entity Common Stock, Shares Outstanding (in shares)		16,718,077
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q1
Entity Central Index Key	0000906465
Amendment Flag	false

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 64,295	$ 59,723
Federal funds sold	16,365	56,910
Interest-bearing deposits at financial institutions	237,632	67,360
Securities held to maturity, at amortized cost, net of allowance for credit losses	561,969	587,142
Securities available for sale, at fair value	315,477	340,960
Total securities	877,446	928,102
Loans receivable held for sale	140,633	1,480
Loans/leases receivable held for investment	6,049,389	6,137,391
Gross loans/leases receivable	6,190,022	6,138,871
Less allowance for credit losses	(86,573)	(87,706)
Net loans/leases receivable	6,103,449	6,051,165
Bank-owned life insurance	107,287	106,580
Premises and equipment, net	117,641	117,948
Restricted investment securities	31,914	42,501
Other real estate owned, net	61	133
Goodwill	138,474	137,607
Intangibles	15,993	16,759
Derivatives	130,350	177,631
Other assets	195,997	186,418
Total assets	8,036,904	7,948,837
Liabilities and Stockholders' Equity
Noninterest-bearing	1,189,858	1,262,981
Interest-bearing	5,311,805	4,721,236
Total deposits	6,501,663	5,984,217
Short-term borrowings	1,100	129,630
Federal Home Loan Bank advances	135,000	415,000
Subordinated notes	232,746	232,662
Junior subordinated debentures	48,634	48,602
Derivatives	150,401	200,701
Other liabilities	165,866	165,301
Total liabilities	7,235,410	7,176,113
Stockholders' Equity:
Preferred stock, $1 par value; shares authorized 250,000 March 2023 and December 2022 - no shares issued or outstanding
Common stock, $1 par value; shares authorized 20,000,000 March 2023 - 16,713,775 shares issued and outstanding December 2022 - 16,795,942 shares issued and outstanding	16,714	16,796
Additional paid-in capital	368,302	370,712
Retained earnings	472,051	450,114
Accumulated other comprehensive (loss):
Securities available for sale	(38,378)	(44,677)
Derivatives	(17,195)	(20,221)
Total stockholders' equity	801,494	772,724
Total liabilities and stockholders' equity	$ 8,036,904	$ 7,948,837

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parentheticals) - $ / shares	Mar. 31, 2023	Dec. 31, 2022
CONSOLIDATED BALANCE SHEETS
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock, authorized (in shares)	250,000	250,000
Preferred stock, issued (in shares)	0	0
Preferred stock, outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, authorized (in shares)	20,000,000	20,000,000
Common stock, issued (in shares)	16,713,775	16,795,942
Common stock, outstanding (in shares)	16,713,775	16,795,942

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Mar. 31, 2023	Mar. 31, 2022
Interest and dividend income:
Taxable	$ 66,634	$ 37,428
Nontaxable	17,312	6,768
Securities:
Taxable	3,366	2,398
Nontaxable	5,337	4,150
Interest-bearing deposits at financial institutions	821	35
Restricted investment securities	513	281
Federal funds sold	234	2
Total interest and dividend income	94,217	51,062
Interest expense:
Deposits	29,780	3,137
Short-term borrowings	99
Federal Home Loan Bank advances	3,521	82
Subordinated notes	3,311	1,554
Junior subordinated debentures	696	556
Total interest expense	37,407	5,329
Net interest income	56,810	45,733
Provision for credit losses	3,928	(2,916)
Net interest income after provision for credit losses	52,882	48,649
Noninterest income:
Revenue	120,059	66,695
Gains on sales of residential real estate loans, net	312	493
Gains on sales of government guaranteed portions of loans, net	30	19
Capital markets revenue	17,023	6,422
Securities losses, net	(463)
Earnings on bank-owned life insurance	707	346
Loan related fee income	651	480
Fair value gain (loss) on derivatives	(427)	906
Other	339	129
Total noninterest income	25,842	15,633
Noninterest expense:
Salaries and employee benefits	32,003	23,627
Occupancy and equipment expense	5,914	3,937
Professional and data processing fees	3,514	3,671
Acquisition costs		1,851
Post-acquisition compensation, transition and integration costs	207
FDIC insurance, other insurance and regulatory fees	1,374	1,310
Loan/lease expense	556	267
Net income from and gains/losses on operations of other real estate	(67)	(1)
Advertising and marketing	1,237	761
Communication and data connectivity	665	403
Supplies	305	246
Bank service charges	605	541
Correspondent banking expense	210	199
Intangibles amortization	766	493
Payment card processing	545	262
Trust expense	214	187
Other	737	571
Total noninterest expense	48,785	38,325
Net income before income taxes	29,939	25,957
Federal and state income tax expense	2,782	2,333
Net income	$ 27,157	$ 23,624
Basic earnings per common share	$ 1.62	$ 1.51
Diluted earnings per common share	$ 1.60	$ 1.49
Weighted average common shares outstanding	16,776,289	15,625,112
Weighted average common and common equivalent shares outstanding	16,942,132	15,852,256
Cash dividends declared per common share	$ 0.06	$ 0.06
Trust fees
Noninterest income:
Revenue	$ 2,906	$ 2,963
Investment advisory and management fees
Noninterest income:
Revenue	879	1,036
Deposit service fees
Noninterest income:
Revenue	2,028	1,555
Debit card fees
Noninterest income:
Revenue	1,466	1,007
Correspondent banking fees
Noninterest income:
Revenue	$ 391	$ 277

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
Net income	$ 27,157	$ 23,624
Other comprehensive income (loss):
Unrealized holding gains (losses) arising during the period before tax	7,392	(29,170)
Less: reclassification adjusted for impairment losses included in net income before tax	(989)
Less reclassification adjustment for sales losses included in net income before tax	(463)
Unrealized gains (losses) on securities available for sale	8,844	(29,170)
Unrealized holding gains (losses) arising during the period before tax	3,446	(6,858)
Less reclassification adjustment for caplet amortization before tax	(201)	(221)
Unrealized gains (losses) on derivatives	3,647	(6,637)
Other comprehensive income (loss), before tax	12,491	(35,807)
Tax expense (benefit)	3,166	(8,467)
Other comprehensive income (loss), net of tax	9,325	(27,340)
Comprehensive income (loss)	$ 36,482	$ (3,716)

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock	Additional Paid-In Capital.	Retained Earnings.	Accumulated Other Comprehensive Income (Loss)	Total
Balance at Dec. 31, 2021	$ 15,613	$ 273,768	$ 386,077	$ 1,552	$ 677,010
Net income			23,624		23,624
Other comprehensive income, net of tax				(27,340)	(27,340)
Common cash dividends declared			(939)		(939)
Repurchase and cancellation of shares of common stock	(77)	(1,338)	(3,000)		(4,415)
Stock-based compensation expense		751			751
Issuance of common stock under employee benefit plans	44	(811)			(767)
Balance at Mar. 31, 2022	15,580	272,370	405,762	(25,788)	667,924
Balance at Dec. 31, 2022	16,796	370,712	450,114	(64,898)	772,724
Net income			27,157		27,157
Other comprehensive income, net of tax				9,325	9,325
Common cash dividends declared			(1,010)		(1,010)
Repurchase and cancellation of shares of common stock	(153)	(3,356)	(4,210)		(7,719)
Stock-based compensation expense		953			953
Issuance of common stock under employee benefit plans	71	(7)			64
Balance at Mar. 31, 2023	$ 16,714	$ 368,302	$ 472,051	$ (55,573)	$ 801,494

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY
Cash dividends declared per common share	$ 0.06	$ 0.06
Repurchase and cancellation of common stock as a result of share repurchase program (in shares)	152,500	77,500

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 27,157	$ 23,624
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	2,006	1,297
Provision for credit losses	3,928	(2,916)
Stock-based compensation expense	953	751
Deferred compensation expense accrued	1,272	1,026
Gains on other real estate owned, net	(85)
Amortization of premiums on securities, net	389	336
Caplet amortization	201	221
Fair value (gain) loss on derivatives	427	(906)
Securities losses, net	463
Loans originated for sale	(13,353)	(25,749)
Proceeds on sales of loans	13,766	27,121
Gains on sales of residential real estate loans	(312)	(493)
Gains on sales of government guaranteed portions of loans	(30)	(19)
Gains on sales and disposals of premises and equipment		(10)
Amortization of intangibles	766	493
Accretion of acquisition fair value adjustments, net	(828)	(118)
Increase in cash value of bank-owned life insurance	(707)	(346)
Increase in other assets	(13,148)	(16,243)
Decrease in other liabilities	(1,101)	(1,123)
Net cash provided by operating activities	21,764	6,946
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease in federal funds sold	40,545	2,735
Net (increase) decrease in interest-bearing deposits at financial institutions	(170,272)	18,537
Proceeds from sales of other real estate owned	218
Activity in securities portfolio:
Purchases	(23,022)	(52,403)
Calls, maturities and redemptions	45,685	7,213
Paydowns	5,915	10,113
Sales	28,628
Activity in restricted investment securities:
Purchases	(3,177)	(11,389)
Redemptions	13,764	20
Net increase in loans/leases originated and held for investment	(54,025)	(148,521)
Purchase of premises and equipment	(1,699)	(3,428)
Proceeds from sales of premises and equipment		37
Net cash used in investing activities	(117,440)	(177,086)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposit accounts	517,446	(83,083)
Net decrease in short-term borrowings	(128,530)	(2,610)
Activity in Federal Home Loan Bank advances:
Term advances	135,000
Net change in short-term and overnight advances	(415,000)	275,000
Payment of cash dividends on common stock	(1,013)	(935)
Proceeds from issuance of common stock, net	64	(767)
Repurchase and cancellation of shares	(7,719)	(4,415)
Net cash provided by financing activities	100,248	183,190
Net increase in cash and due from banks	4,572	13,050
Cash and due from banks, beginning	59,723	37,490
Cash and due from banks, ending	64,295	50,540
Supplemental disclosure of cash flow information, cash payments (receipts) for:
Interest	38,053	6,271
Income/franchise taxes	(299)	38
Supplemental schedule of noncash investing activities:
Change in accumulated other comprehensive income (loss), unrealized gains (losses) on securities available for sale and derivative instruments, net	9,325	(27,340)
Transfers of loans to other real estate owned	61
Due to broker for purchases of securities		7,533
Decrease in the fair value of back-to-back interest rate swap assets and liabilities	(46,248)	(119,357)
Dividends payable	1,010	$ 939
Transfer of loans to loans held for sale	139,224
Measurement period adjustment to goodwill	$ 867

Note 1 - SUMMARY OF SIGNIFICANT

Note 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
Note 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	Mar. 31, 2023
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of presentation The financial information of the Company included herein has been prepared in accordance with GAAP for interim financial reporting and has been prepared pursuant to the rules and regulations for reporting on Form 10-Q and Rule 10-01 of Regulation S-X. Such information reflects all adjustments (consisting of normal recurring adjustments) that are, in the opinion of management, necessary for a fair presentation of the financial position and results of operations for the periods presented. Any differences appearing between the numbers presented in financial statements and management's discussion and analysis are due to rounding. The results of the interim period ended March 31, 2023 are not necessarily indicative of the results expected for the year ending December 31, 2023, or for any other period. The acronyms and abbreviations identified below are used throughout this Quarterly Report on Form 10-Q. It may be helpful to refer back to this page as you read this report. ACL: Allowance for credit losses GFED: Guaranty Federal Bancshares, Inc. Allowance: Allowance for credit losses HTM: Held to maturity AOCI: Accumulated other comprehensive income (loss) LIBOR: London Inter-Bank Offered Rate ASC: Accounting Standards Codification LIHTC: Low-income housing tax credit ASU: Accounting Standards Update m2: m2 Equipment Finance, LLC BOLI: Bank-owned life insurance NIM: Net interest margin Caps: Interest rate cap derivatives NPA: Nonperforming asset CECL: Current Expected Credit Losses NPL: Nonperforming loan Community National: Community National Bancorporation OBS: Off-balance sheet Company: QCR Holdings, Inc. OREO: Other real estate owned COVID-19: Coronavirus Disease 2019 OTTI: Other-than-temporary impairment CRBT: Cedar Rapids Bank & Trust Company PCAOB: Public Company Accounting Oversight Board CRE: Commercial real estate PCD: Purchase credit deteriorated loan CSB: Community State Bank PCI: Purchased credit impaired C&I: Commercial and industrial PPP: Paycheck Protection Program EBA: Excess balance account Provision: Provision for credit losses EPS: Earnings per share QCBT: Quad City Bank & Trust Company Exchange Act: Securities Exchange Act of 1934, as ROAA: Return on average assets amended ROAE: Return on average equity FASB: Financial Accounting Standards Board SEC: Securities and Exchange Commission FDIC: Federal Deposit Insurance Corporation SFCB: Springfield First Community Bank Federal Reserve: Board of Governors of the Federal SFG: Specialty Finance Group Reserve System TA: Tangible Assets FHLB: Federal Home Loan Bank TBV: Tangible book value FRB: Federal Reserve Bank of Chicago TCE: Tangible common equity Guaranty: Guaranty Bank, formerly known as Springfield First TDRs: Troubled debt restructurings Community Bank TEY: Tax equivalent yield The Consolidated Financial Statements include the accounts of the Company and its wholly-owned subsidiaries which include the accounts of four commercial banks: QCBT, CRBT, CSB and GB. All four banks are state-chartered commercial banks and all are members of the Federal Reserve system. The Company also engages in direct financing lease contracts through m2, a wholly-owned subsidiary of QCBT. The company also engages in wealth management services through its banking subsidiaries. All material intercompany transactions and balances have been eliminated in consolidation. The acquisition of GFED, the holding company of GB, headquartered in Springfield, Missouri, occurred on April 1, 2022 and on April 2, 2022, GB was merged into SFCB, the Company’s Springfield-based charter. The combined bank changed its name to Guaranty Bank. The financial results for the periods since the acquisition/merger are included in this report. See Note 2 of the Company’s Annual Report on Form 10-K for the year ended December 31, 2022 for additional information about the acquisition and merger. Recent accounting developments Reference Rate Reform Management has assessed the impacts of ASU 2020-04 and the related opportunities and risks involved in the LIBOR transition. In April 2022, the FASB issued ASU 2022-02, Troubled Debt Restructurings and Vintage Disclosures Reclassifications

Note 2 - INVESTMENT SECURITIES

Note 2 - INVESTMENT SECURITIES	3 Months Ended
Note 2 - INVESTMENT SECURITIES	Mar. 31, 2023
Notes to Financial Statements
INVESTMENT SECURITIES	NOTE 2– INVESTMENT SECURITIES The amortized cost and fair value of investment securities as of March 31, 2023 and December 31, 2022 are summarized as follows: Allowance Gross Gross Amortized for Credit Unrealized Unrealized Fair Cost (Losses) Gains (Losses) Value (dollars in thousands) March 31, 2023: Securities HTM: Municipal securities $ 561,099 $ (180) $ 10,578 $ (43,563) $ 527,934 Other securities 1,050 — — (18) 1,032 $ 562,149 $ (180) $ 10,578 $ (43,581) $ 528,966 Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 21,697 $ — $ 16 $ (2,393) $ 19,320 Residential mortgage-backed and related securities 69,415 — — (6,311) 63,104 Municipal securities 209,875 — 9 (39,294) 170,590 Asset-backed securities 18,087 — 47 (167) 17,967 Other securities 48,562 (989) 7 (3,084) 44,496 $ 367,636 $ (989) $ 79 $ (51,249) $ 315,477 Allowance Gross Gross Amortized for Credit Unrealized Unrealized Fair Cost (Losses) Gains (Losses) Value (dollars in thousands) December 31, 2022: Securities HTM: Municipal securities $ 586,272 $ (180) $ 5,292 $ (56,798) $ 534,586 Other securities 1,050 — — — 1,050 $ 587,322 $ (180) $ 5,292 $ (56,798) $ 535,636 Securities AFS: U.S. govt. sponsored agency securities $ 19,745 $ — $ 19 $ (2,783) $ 16,981 Residential mortgage-backed and related securities 73,438 — — (7,223) 66,215 Municipal securities 239,812 — 66 (46,700) 193,178 Asset-backed securities 18,885 — 48 (205) 18,728 Other securities 48,631 — 27 (2,800) 45,858 $ 400,511 $ — $ 160 $ (59,711) $ 340,960 The Company's HTM municipal securities consist largely of private issues of municipal debt. The large majority of the municipalities are located within the Midwest. The municipal debt investments are underwritten using specific guidelines with ongoing monitoring. The Company's residential mortgage-backed and related securities portfolio consists entirely of government sponsored or government guaranteed securities. The Company has not invested in private mortgage-backed securities or pooled trust preferred securities. Gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position as of March 31, 2023 and December 31, 2022, are summarized as follows. Securities available-for-sale, for which an allowance for credit losses has been provided, are not included in these disclosures. Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) March 31, 2023: Securities HTM: Municipal securities $ 275,950 $ (33,259) $ 70,015 $ (10,304) $ 345,965 $ (43,563) Other securities 1,032 (18) — — 1,032 (18) $ 276,982 $ (33,277) $ 70,015 $ (10,304) $ 346,997 $ (43,581) Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 2,212 $ (4) $ 14,401 $ (2,389) $ 16,613 $ (2,393) Residential mortgage-backed and related securities 17,277 (814) 45,807 (5,497) 63,084 (6,311) Municipal securities 43,572 (3,340) 124,603 (35,954) 168,175 (39,294) Asset-backed securities 3,303 (5) 10,781 (162) 14,084 (167) Other securities 26,142 (1,612) 12,113 (1,472) 38,255 (3,084) $ 92,506 $ (5,775) $ 207,705 $ (45,474) $ 300,211 $ (51,249) Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) December 31, 2022: Securities HTM: Municipal securities $ 347,651 $ (56,798) $ — $ — $ 347,651 $ (56,798) Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 5,138 $ (326) $ 10,591 $ (2,457) $ 15,729 $ (2,783) Residential mortgage-backed and related securities 48,469 (3,327) 17,690 (3,896) 66,159 (7,223) Municipal securities 178,172 (42,661) 9,809 (4,039) 187,981 (46,700) Asset-backed securities 13,684 (205) — — 13,684 (205) Other securities 35,206 (2,404) 4,122 (396) 39,328 (2,800) $ 280,669 $ (48,923) $ 42,212 $ (10,788) $ 322,881 $ (59,711) At March 31, 2023, the investment portfolio included 646 securities. Of this number, 524 securities were in an unrealized loss position. The aggregate losses of these securities totaled approximately 10.2% of the total amortized cost of the portfolio. Of these 524 securities, there were 276 For the quarter ended March 31, 2023, the Company’s impairment evaluation determined that one publicly traded debt security experienced a decline in fair value due to credit quality, rather than market factors. As a result, the Company recognized a credit loss expense of $989 thousand and established an ACL on the related AFS security. The following table presents the activity in the allowance for credit losses for held to maturity and available for sale securities by major security type for the three ended March 31, 2023 and 2022. Three Months Ended March 31, 2023 Three Months Ended March 31, 2022 Securities HTM Securities AFS Securities HTM Municipal Corporate Municipal securities securities securities (dollars in thousands) Allowance for credit losses: Beginning balance $ 180 $ — $ 198 Provision for credit loss expense — 989 — Balance, ending $ 180 $ 989 $ 198 All sales of securities for the three months ended March 31, 2023 were securities identified as AFS. There were no sales of securities for the three months ended March 31, 2022. Three Months Ended March 31, 2023 Proceeds from sales of securities $ 28,628 Gross gains from sales of securities 44 Gross losses from sales of securities (507) The amortized cost and fair value of securities as of March 31, 2023 by contractual maturity are shown below. Expected maturities of residential mortgage-backed and related securities and asset-backed securities may differ from contractual maturities because the residential mortgages underlying the securities may be prepaid without any penalties. Therefore, these securities are not included in the maturity categories in the following table. Amortized Cost Fair Value (dollars in thousands) Securities HTM: Due in one year or less $ 9,064 $ 9,149 Due after one year through five years 32,996 35,709 Due after five years 520,089 484,108 $ 562,149 $ 528,966 Securities AFS: Due in one year or less $ 6,561 $ 6,556 Due after one year through five years 2,500 2,468 Due after five years 271,073 225,382 280,134 234,406 Residential mortgage-backed and related securities 69,415 63,104 Asset-backed securities 18,087 17,967 $ 367,636 $ 315,477 Portions of the U.S. government sponsored agency securities and municipal securities contain call options, which, at the discretion of the issuer, terminate the security at par and at predetermined dates prior to the stated maturity, summarized as follows: Amortized Cost Fair Value (dollars in thousands) Securities HTM: Municipal securities $ 268,957 $ 242,766 Securities AFS: Municipal securities 206,954 167,686 Other securities 47,610 43,559 $ 254,564 $ 211,245 As of March 31, 2023, the Company's municipal securities portfolios were comprised of general obligation bonds issued by 85 issuers with fair values totaling $91.8 million and revenue bonds issued by 169 issuers, primarily consisting of states, counties, towns, villages and school districts with fair values totaling $606.7 million. The Company also held investments in general obligation bonds in 18 states, including seven states in which the aggregate fair value exceeded $5.0 million, and in revenue bonds in 29 states, including 12 states in which the aggregate fair value exceeded $5.0 million. As of December 31, 2022, the Company's municipal securities portfolios were comprised of general obligation bonds issued by 118 issuers with fair values totaling $110.6 million and revenue bonds issued by 181 issuers, primarily consisting of states, counties, towns, villages and school districts with fair values totaling $617.2 million. The Company also held investments in general obligation bonds in 22 states, including seven Both general obligation and revenue bonds are diversified across many issuers. As of March 31, 2023 and as of December 31, 2022, the Company held revenue bonds of two issuers, both located in Ohio, of which the aggregate book or market value exceeded 5% of the Company’s stockholders’ equity. The issuers’ financial conditions are strong and the sources of repayment are diversified. The Company monitors the investments and concentration closely. Of the general obligation and revenue bonds in the Company's portfolio, the majority are unrated bonds that represent small, private issuances. All unrated bonds were underwritten according to the Company’s loan underwriting standards and have an average loan risk rating of 2, indicating very high quality. Additionally, many of these bonds are funding essential municipal services such as water, sewer, education, and medical facilities. The Company's municipal securities are owned by the four charters, whose investment policies set forth limits for various subcategories within the municipal securities portfolio. The investments of each charter are monitored individually, and as of March 31, 2023, all were within policy limitations approved by the Company’s board of directors. Policy limits are calculated as a percentage of each charter's total risk-based capital. As of March 31, 2023, the Company's standard monitoring of its municipal securities portfolio had not uncovered any facts or circumstances resulting in significantly different credit ratings than those assigned by a nationally recognized statistical rating organization, or in the case of unrated bonds, the rating assigned using the credit underwriting standards.

Note 3 - LOANS_LEASES RECEIVABL

Note 3 - LOANS/LEASES RECEIVABLE	3 Months Ended
Note 3 - LOANS/LEASES RECEIVABLE	Mar. 31, 2023
Notes to Financial Statements
LOANS/LEASES RECEIVABLE	NOTE 3 – LOANS/LEASES RECEIVABLE The composition of the loan/lease portfolio as of March 31, 2023 and December 31, 2022 is presented as follows: March 31, 2023 December 31, 2022 (dollars in thousands) C&I: C&I - revolving $ 307,612 $ 296,869 C&I - other * 1,420,331 1,451,693 1,727,943 1,748,562 CRE - owner occupied 616,922 629,367 CRE - non-owner occupied 982,716 963,239 Construction and land development 1,208,185 1,192,061 Multi-family 969,870 963,803 Direct financing leases* 35,373 31,889 1-4 family real estate 532,491 499,529 Consumer 116,522 110,421 6,190,022 6,138,871 Allowance for credit losses (86,573) (87,706) $ 6,103,449 $ 6,051,165 * Direct financing leases: Net minimum lease payments to be received $ 39,075 $ 34,754 Estimated unguaranteed residual values of leased assets 165 165 Unearned lease/residual income (3,867) (3,030) 35,373 31,889 Plus deferred lease origination costs, net of fees 174 226 35,547 32,115 Less allowance for credit losses (1,053) (970) $ 34,494 $ 31,145 * Includes equipment financing agreements outstanding at m2, totaling $286.1 million and $278.0 million as of March 31, 2023 and December 31, 2022, respectively. As of March 31, 2023, there were construction and land development and multi-family loans held for sale in preparation for securitization. The balances in these loan classes as of March 31, 2023 were $30.3 million and $108.9 million, respectively. * Management performs an evaluation of the estimated unguaranteed residual values of leased assets on an annual basis, at a minimum. The evaluation consists of discussions with reputable and current vendors, which is combined with management's expertise and understanding of the current states of particular industries to determine informal valuations of the equipment. As necessary and where available, management will utilize valuations by independent appraisers. The majority of leases with residual values contain a lease options rider, which requires the lessee to pay the residual value directly, finance the payment of the residual value, or extend the lease term to pay the residual value. In these cases, the residual value is protected and the risk of loss is minimal. **** Includes residential real estate held for sale totaling $1.4 million and $1.5 million as of March 31, 2023 and December 31, 2022, respectively. Accrued interest on loans, which is excluded from the amortized cost of loans, totaled $27.2 million and $24.3 million at March 31, 2023 and December 31, 2022, respectively, and was included in other assets on the consolidated balance sheets. Changes in discounts on acquired loans for the three months ended March 31, 2023 and 2022, respectively, are presented as follows: For the Three Months Ended March 31, 2023 March 31, 2022 Performing Performing Loans Loans (dollars in thousands) Balance at the beginning of the period $ (6,088) $ (1,533) Accretion recognized 849 161 Balance at the end of the period $ (5,239) $ (1,372) The aging of the loan/lease portfolio by classes of loans/leases as of March 31, 2023 and December 31, 2022 is presented as follows: As of March 31, 2023 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I: C&I - revolving $ 307,612 $ — $ — $ — $ — $ 307,612 C&I - other 1,406,944 4,718 3,899 15 4,755 1,420,331 CRE - owner occupied 612,379 1,899 — — 2,644 616,922 CRE - non-owner occupied 980,498 — — — 2,218 982,716 Construction and land development 1,197,526 — — — 10,659 1,208,185 Multi-family 969,870 — — — — 969,870 Direct financing leases 34,951 220 84 — 118 35,373 1-4 family real estate 529,263 865 76 — 2,287 532,491 Consumer 116,030 67 159 — 266 116,522 $ 6,155,073 $ 7,769 $ 4,218 $ 15 $ 22,947 $ 6,190,022 As a percentage of total loan/lease portfolio 99.43 % 0.13 % 0.07 % 0.00 % 0.37 % 100.00 % As of December 31, 2022 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I C&I - revolving $ 296,869 $ — $ — $ — $ — $ 296,869 C&I - other 1,442,629 4,800 1,124 5 3,135 1,451,693 CRE - owner occupied 625,611 1,166 — — 2,590 629,367 CRE - non-owner occupied 962,444 421 — — 374 963,239 Construction and land development 1,191,929 — — — 132 1,192,061 Multi-family 963,803 — — — — 963,803 Direct financing leases 31,557 141 56 — 135 31,889 1-4 family real estate 495,936 1,030 517 — 2,046 499,529 Consumer 110,041 27 — — 353 110,421 $ 6,120,819 $ 7,585 $ 1,697 $ 5 $ 8,765 $ 6,138,871 As a percentage of total loan/lease portfolio 98.88 % 0.12 % 0.03 % 0.00 % 0.14 % 100.00 % NPLs by classes of loans/leases as of March 31, 2023 and December 31, 2022 are presented as follows: As of March 31, 2023 Accruing Past Nonaccrual Nonaccrual Due 90 Days or Loans/Leases Loans/Leases Percentage of Classes of Loans/Leases More with an ACL without an ACL Total NPLs Total NPLs (dollars in thousands) C&I: C&I - revolving $ — $ — $ — $ — - % C&I - other 15 3,891 864 4,770 20.77 CRE - owner occupied — 2,197 447 2,644 11.52 CRE - non-owner occupied — 1,267 951 2,218 9.66 Construction and land development — 9,292 1,367 10,659 46.42 Multi-family — — — — - Direct financing leases — 118 — 118 0.51 1-4 family real estate — 1,893 394 2,287 9.96 Consumer — 266 — 266 1.16 $ 15 $ 18,924 $ 4,023 $ 22,962 100.00 % As of December 31, 2022 Accruing Past Nonaccrual Nonaccrual Due 90 Days or Loans/Leases Loans/Leases Percentage of Classes of Loans/Leases More with an ACL without an ACL Total NPLs Total NPLs (dollars in thousands) C&I: C&I - revolving $ — $ — $ — $ — - % C&I - other 5 2,775 360 3,140 35.80 CRE - owner occupied — 1,738 852 2,590 29.53 CRE - non-owner occupied — 68 306 374 4.26 Construction and land development — 132 — 132 1.51 Multi-family — — — — - Direct financing leases — 80 55 135 1.54 1-4 family real estate — 1,641 405 2,046 23.33 Consumer — 353 — 353 4.03 $ 5 $ 6,787 $ 1,978 $ 8,770 100.00 % The Company did not recognize any interest income on nonaccrual loans during the three months ended March 31, 2023 and 2022. Changes in the ACL loans/leases by portfolio segment for the three months ended March 31, 2023 and 2022, respectively, are presented as follows: Three Months Ended March 31, 2023 CRE CRE Construction 1-4 C&I - C&I - Owner Non-Owner and Land Multi- Family Revolving Other* Occupied Occupied Development Family Real Estate Consumer Total (dollars in thousands) Balance, beginning $ 4,457 $ 27,753 $ 9,965 $ 11,749 $ 14,262 $ 13,186 $ 4,963 $ 1,371 $ 87,706 Reduction of ACL for writedown of LHFS to fair value — — — — (354) (1,355) — — (1,709) Provision 180 557 (668) 878 1,349 (210) 302 70 2,458 Charge-offs — (2,055) (208) — (12) — — — (2,275) Recoveries — 382 — 5 — — 5 1 393 Balance, ending $ 4,637 $ 26,637 $ 9,089 $ 12,632 $ 15,245 $ 11,621 $ 5,270 $ 1,442 $ 86,573 * Included within the C&I – Other column are ACL on leases with a beginning balance of $970 thousand, provision of $69 thousand, charge-offs of $4 thousand and recoveries of $18 thousand. ACL on leases was $1.1 million as of March 31, 2023. Three Months Ended March 31, 2022 CRE CRE Construction 1-4 C&I - C&I - Owner Non-Owner and Land Multi- Family Revolving Other* Occupied Occupied Development Family Real Estate Consumer Total (dollars in thousands) Balance, beginning $ 3,907 $ 25,982 $ 8,501 $ 8,549 $ 16,972 $ 9,339 $ 4,541 $ 930 $ 78,721 Provision (288) (331) (609) (820) (2,301) 997 (387) (110) (3,849) Charge-offs — (449) — — — — — (7) (456) Recoveries — 235 5 128 — — — 2 370 Balance, ending $ 3,619 $ 25,437 $ 7,897 $ 7,857 $ 14,671 $ 10,336 $ 4,154 $ 815 $ 74,786 * Included within the C&I – Other column are ACL on leases with adoption impact of $1.5 million, negative provision of $27 thousand, charge-offs of $114 thousand and recoveries of $60 thousand. ACL on leases was $1.5 million as of March 31, 2022. The composition of the ACL loans/leases by portfolio segment based on evaluation method are as follows: As of March 31, 2023 Amortized Cost of Loans Receivable Allowance for Credit Losses Individually Collectively Individually Collectively Evaluated for Evaluated for Evaluated for Evaluated for Credit Losses Credit Losses Total Credit Losses Credit Losses Total (dollars in thousands) C&I : C&I - revolving $ 3,657 $ 303,955 $ 307,612 $ 998 $ 3,639 $ 4,637 C&I - other* 14,446 1,441,258 1,455,704 1,231 25,406 26,637 18,103 1,745,213 1,763,316 2,229 29,045 31,274 CRE - owner occupied 23,751 593,171 616,922 2,746 6,343 9,089 CRE - non-owner occupied 23,217 959,499 982,716 1,025 11,607 12,632 Construction and land development 10,756 1,197,429 1,208,185 826 14,419 15,245 Multi-family 1,351 968,519 969,870 406 11,215 11,621 1-4 family real estate 3,223 529,268 532,491 326 4,944 5,270 Consumer 693 115,829 116,522 72 1,370 1,442 $ 81,094 $ 6,108,928 $ 6,190,022 $ 7,630 $ 78,943 $ 86,573 * Included within the C&I – Other category are leases individually evaluated of $118 thousand with a related allowance for credit losses of $36 thousand and leases collectively evaluated of $35.3 million with a related allowance for credit losses of $1.0 million. As of December 31, 2022 Amortized Cost of Loans Receivable Allowance for Credit Losses Individually Collectively Individually Collectively Evaluated for Evaluated for Evaluated for Evaluated for Credit Losses Credit Losses Total Credit Losses Credit Losses Total (dollars in thousands) C&I : C&I - revolving $ 3,386 $ 293,483 $ 296,869 $ 961 $ 3,496 $ 4,457 C&I - other* 9,358 1,474,224 1,483,582 1,445 26,308 27,753 12,744 1,767,707 1,780,451 2,406 29,804 32,210 CRE - owner occupied 24,880 604,487 629,367 2,853 7,112 9,965 CRE - non-owner occupied 21,588 941,651 963,239 869 10,880 11,749 Construction and land development 10,394 1,181,667 1,192,061 13 14,249 14,262 Multi-family 1,302 962,501 963,803 395 12,791 13,186 1-4 family real estate 3,177 496,352 499,529 317 4,646 4,963 Consumer 741 109,680 110,421 75 1,296 1,371 $ 74,826 $ 6,064,045 $ 6,138,871 $ 6,928 $ 80,778 $ 87,706 * Included within the C&I – Other category are leases individually evaluated of $135 thousand with a related allowance for credit losses of $24 thousand and leases collectively evaluated of $31.8 million with a related allowance for credit losses of $946 thousand. The following table presents the amortized cost basis of collateral dependent loans, by the primary collateral type, which are individually evaluated to determine expected credit losses as of March 31, 2023 and December 31, 2022: As of March 31, 2023 Non Commercial Owner-occupied Owner-Occupied Owner Occupied Assets CRE Real Estate Real Estate Securities Equipment Other Total (dollars in thousands) C & I: C&I - revolving $ 3,552 $ — $ — $ — $ — $ 105 $ — $ 3,657 C&I - other* 5,738 209 — — 102 7,983 414 14,446 9,290 209 — — 102 8,088 414 18,103 CRE - owner occupied — 23,685 — 66 — — — 23,751 CRE - non-owner occupied — — 23,217 — — — — 23,217 Construction and land development — — 10,756 — — — — 10,756 Multi-family — — 1,351 — — — — 1,351 1-4 family real estate — — 31 3,192 — — — 3,223 Consumer — — 121 562 — — 10 693 $ 9,290 $ 23,894 $ 35,476 $ 3,820 $ 102 $ 8,088 $ 424 $ 81,094 * Included within the C&I – Other category are leases individually evaluated of $118 thousand with primary collateral of equipment. As of December 31, 2022 Non Commercial Owner-occupied Owner-Occupied Owner Occupied Assets CRE Real Estate Real Estate Securities Equipment Other Total (dollars in thousands) C & I: C&I - revolving $ 3,281 $ — $ — $ — $ — $ 105 $ — $ 3,386 C&I - other* 1,589 210 — — 108 7,289 162 9,358 4,870 210 — — 108 7,394 162 12,744 CRE - owner occupied — 24,814 — 66 — — — 24,880 CRE - non-owner occupied — — 21,588 — — — — 21,588 Construction and land development — — 10,394 — — — — 10,394 Multi-family — — 1,302 — — — — 1,302 1-4 family real estate — — 33 3,144 — — — 3,177 Consumer — — 120 608 — — 13 741 $ 4,870 $ 25,024 $ 33,437 $ 3,818 $ 108 $ 7,394 $ 175 $ 74,826 * Included within the C&I – Other category are leases individually evaluated of $135 thousand with primary collateral of equipment. For certain C&I loans, all CRE loans, certain construction and land development loans, all multifamily loans, certain 1-4 family residential loans and certain consumer loans, the Company’s credit quality indicator consists of internally assigned risk ratings. Each such loan is assigned a risk rating upon origination. The risk rating is reviewed every 15 months, at a minimum, and on an as-needed basis depending on the specific circumstances of the loan. For certain C&I loans (including equipment financing agreements and direct financing leases), certain construction and land development, certain 1-4 family real estate loans, and certain consumer loans, the Company’s credit quality indicator is performance determined by delinquency status. Delinquency status is updated daily by the Company’s loan system. The following tables show the credit quality indicator of loans by class of receivable and year of origination as of March 31, 2023: As of March 31, 2023 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Internally Assigned Amortized Risk Rating 2023 2022 2021 2020 2019 Prior Cost Basis Total (dollars in thousands) C&I - revolving Pass (Ratings 1 through 5) $ — $ — $ — $ — $ — $ — $ 277,135 $ 277,135 Special Mention (Rating 6) — — — — — — 26,820 26,820 Substandard (Rating 7) — — — — — — 3,657 3,657 Doubtful (Rating 8) — — — — — — — — Total C&I - revolving $ — $ — $ — $ — $ — $ — $ 307,612 $ 307,612 C&I - other Pass (Ratings 1 through 5) $ 112,239 $ 399,604 $ 236,117 $ 108,134 $ 83,522 $ 158,843 $ — $ 1,098,459 Special Mention (Rating 6) 11,886 3,603 5,557 3,724 1,033 299 — 26,102 Substandard (Rating 7) — 5,207 252 37 3,776 377 — 9,649 Doubtful (Rating 8) — — — — — — — — Total C&I - other $ 124,125 $ 408,414 $ 241,926 $ 111,895 $ 88,331 $ 159,519 $ — $ 1,134,210 CRE - owner occupied Pass (Ratings 1 through 5) $ 18,359 $ 143,926 $ 177,112 $ 128,136 $ 32,639 $ 71,449 $ 7,552 $ 579,173 Special Mention (Rating 6) 4,268 791 2,735 6,383 479 1,310 24 15,990 Substandard (Rating 7) 513 2,684 — 16,187 1,215 1,160 — 21,759 Doubtful (Rating 8) — — — — — — — — Total CRE - owner occupied $ 23,140 $ 147,401 $ 179,847 $ 150,706 $ 34,333 $ 73,919 $ 7,576 $ 616,922 CRE - non-owner occupied Pass (Ratings 1 through 5) $ 49,906 $ 297,573 $ 221,657 $ 162,545 $ 82,633 $ 93,906 $ 7,969 $ 916,189 Special Mention (Rating 6) 596 5,402 833 17,544 — 18,934 — 43,309 Substandard (Rating 7) 4,065 3,623 — 156 15,216 — 158 23,218 Doubtful (Rating 8) — — — — — — — — Total CRE - non-owner occupied $ 54,567 $ 306,598 $ 222,490 $ 180,245 $ 97,849 $ 112,840 $ 8,127 $ 982,716 Construction and land development Pass (Ratings 1 through 5) $ 48,281 $ 492,375 $ 313,670 $ 232,318 $ 31,275 $ 28,640 $ 25,117 $ 1,171,676 Special Mention (Rating 6) 1,100 — 10,210 — — — — 11,310 Substandard (Rating 7) 98 1,487 9,172 — — — — 10,757 Doubtful (Rating 8) — — — — — — — — Total Construction and land development $ 49,479 $ 493,862 $ 333,052 $ 232,318 $ 31,275 $ 28,640 $ 25,117 $ 1,193,743 Multi-family Pass (Ratings 1 through 5) $ 15,948 $ 237,962 $ 250,949 $ 222,923 $ 135,619 $ 103,474 $ 127 $ 967,002 Special Mention (Rating 6) — — — — 1,517 — — 1,517 Substandard (Rating 7) — — 41 1,310 — — — 1,351 Doubtful (Rating 8) — — — — — — — — Total Multi-family $ 15,948 $ 237,962 $ 250,990 $ 224,233 $ 137,136 $ 103,474 $ 127 $ 969,870 1-4 family real estate Pass (Ratings 1 through 5) $ 37,624 $ 55,100 $ 56,644 $ 31,349 $ 12,218 $ 9,792 $ 5,380 $ 208,107 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) — 27 — — 4 — — 31 Doubtful (Rating 8) — — — — — — — — Total 1-4 family real estate $ 37,624 $ 55,127 $ 56,644 $ 31,349 $ 12,222 $ 9,792 $ 5,380 $ 208,138 Consumer Pass (Ratings 1 through 5) $ 97 $ 499 $ 743 $ 711 $ 33 $ 831 $ 9,406 $ 12,320 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) 45 282 — 11 — 106 — 444 Doubtful (Rating 8) — — — — — — — — Total Consumer $ 142 $ 781 $ 743 $ 722 $ 33 $ 937 $ 9,406 $ 12,764 Total $ 305,025 $ 1,650,145 $ 1,285,692 $ 931,468 $ 401,179 $ 489,121 $ 363,345 $ 5,425,975 As of March 31, 2023 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Delinquency Status * 2023 2022 2021 2020 2019 Prior Cost Basis Total (dollars in thousands) C&I - other Performing $ 43,765 $ 145,880 $ 62,307 $ 22,270 $ 6,566 $ 1,176 $ — $ 281,964 Nonperforming — 2,666 1,390 64 37 — — 4,157 Total C&I - other $ 43,765 $ 148,546 $ 63,697 $ 22,334 $ 6,603 $ 1,176 $ — $ 286,121 Construction and land development Performing $ 3,059 $ 10,978 $ 331 $ 10 $ 3 $ 61 $ — $ 14,442 Nonperforming — — — — — — — — Total Construction and land development $ 3,059 $ 10,978 $ 331 $ 10 $ 3 $ 61 $ — $ 14,442 Direct financing leases Performing $ 5,256 $ 15,409 $ 4,710 $ 4,926 $ 3,753 $ 1,201 $ — $ 35,255 Nonperforming — — 28 22 14 54 — 118 Total Direct financing leases $ 5,256 $ 15,409 $ 4,738 $ 4,948 $ 3,767 $ 1,255 $ — $ 35,373 1-4 family real estate Performing $ 23,843 $ 61,010 $ 90,018 $ 74,002 $ 16,392 $ 56,749 $ 83 $ 322,097 Nonperforming — 133 512 479 460 672 — 2,256 Total 1-4 family real estate $ 23,843 $ 61,143 $ 90,530 $ 74,481 $ 16,852 $ 57,421 $ 83 $ 324,353 Consumer Performing $ 6,041 $ 12,171 $ 3,329 $ 3,340 $ 945 $ 2,379 $ 75,460 $ 103,665 Nonperforming — 7 — — — 41 45 93 Total Consumer $ 6,041 $ 12,178 $ 3,329 $ 3,340 $ 945 $ 2,420 $ 75,505 $ 103,758 Total $ 81,964 $ 248,254 $ 162,625 $ 105,113 $ 28,170 $ 62,333 $ 75,588 $ 764,047 * Performing = loans/leases accruing and less than 90 days past due. Nonperforming = loans/leases on nonaccrual and accruing loans/leases that are greater than or equal to 90 days past due. The following table shows the gross charge-offs of loans and leases by class of receivable and year of origination for the three months ended March 31, 2023: As of March 31, 2023 Gross Charge-off by Origination Year Classes of Loans/Leases 2023 2022 2021 2020 2019 Prior Total (dollars in thousands) C&I: C&I - revolving $ — $ — $ — $ — $ — $ — $ — C&I - other — 740 281 794 201 35 2,051 CRE - owner occupied — — 208 — — — 208 CRE - non-owner occupied — — — — — — — Construction and land development — 12 — — — — 12 Multi-family — — — — — — — Direct financing leases — — — — 3 1 4 1-4 family real estate — — — — — — — Consumer — — — — — — — $ — $ 752 $ 489 $ 794 $ 204 $ 36 $ 2,275 The following tables show the credit quality indicator of loans by class of receivable and year of origination as of December 31, 2022: As of December 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Internally Assigned Amortized Risk Rating 2022 2021 2020 2019 2018 Prior Cost Basis Total (dollars in thousands) C&I - revolving Pass (Ratings 1 through 5) $ — $ — $ — $ — $ — $ — $ 275,888 $ 275,888 Special Mention (Rating 6) — — — — — — 17,595 17,595 Substandard (Rating 7) — — — — — — 3,386 3,386 Doubtful (Rating 8) — — — — — — — — Total C&I - revolving $ — $ — $ — $ — $ — $ — $ 296,869 $ 296,869 C&I - other Pass (Ratings 1 through 5) $ 496,445 $ 279,412 $ 127,803 $ 87,054 $ 59,675 $ 105,184 $ — $ 1,155,573 Special Mention (Rating 6) 9,542 679 901 723 — 308 — 12,153 Substandard (Rating 7) 187 125 661 4,535 310 106 — 5,924 Doubtful (Rating 8) — — — — — — — — Total C&I - other $ 506,174 $ 280,216 $ 129,365 $ 92,312 $ 59,985 $ 105,598 $ — $ 1,173,650 CRE - owner occupied Pass (Ratings 1 through 5) $ 146,211 $ 182,440 $ 142,596 $ 33,571 $ 27,088 $ 45,993 $ 13,460 $ 591,359 Special Mention (Rating 6) 6,190 — 6,379 484 — 1,346 269 14,668 Substandard (Rating 7) 3,750 171 16,336 1,396 1,197 490 — 23,340 Doubtful (Rating 8) — — — — — — — — Total CRE - owner occupied $ 156,151 $ 182,611 $ 165,311 $ 35,451 $ 28,285 $ 47,829 $ 13,729 $ 629,367 CRE - non-owner occupied Pass (Ratings 1 through 5) $ 310,163 $ 221,953 $ 173,478 $ 89,337 $ 56,898 $ 40,923 $ 7,510 $ 900,262 Special Mention (Rating 6) 2,824 882 18,920 — 12,917 6,198 — 41,741 Substandard (Rating 7) 5,651 — 157 15,217 — — 211 21,236 Doubtful (Rating 8) — — — — — — — — Total CRE - non-owner occupied $ 318,638 $ 222,835 $ 192,555 $ 104,554 $ 69,815 $ 47,121 $ 7,721 $ 963,239 Construction and land development Pass (Ratings 1 through 5) $ 479,016 $ 330,434 $ 240,778 $ 31,607 $ 30,300 $ — $ 29,647 $ 1,141,782 Special Mention (Rating 6) 1,465 9,200 — — — — — 10,665 Substandard (Rating 7) 132 10,262 — — — — — 10,394 Doubtful (Rating 8) — — — — — — — — Total Construction and land development $ 480,613 $ 349,896 $ 240,778 $ 31,607 $ 30,300 $ — $ 29,647 $ 1,162,841 Multi-family Pass (Ratings 1 through 5) $ 237,839 $ 254,056 $ 224,920 $ 134,378 $ 99,695 $ 7,875 $ 2,227 $ 960,990 Special Mention (Rating 6) — 44 — 1,467 — — — 1,511 Substandard (Rating 7) — — 1,302 — — — — 1,302 Doubtful (Rating 8) — — — — — — — — Total Multi-family $ 237,839 $ 254,100 $ 226,222 $ 135,845 $ 99,695 $ 7,875 $ 2,227 $ 963,803 1-4 family real estate Pass (Ratings 1 through 5) $ 61,953 $ 57,731 $ 33,737 $ 12,687 $ 5,813 $ 6,002 $ 5,855 $ 183,778 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) 28 — — 5 — — — 33 Doubtful (Rating 8) — — — — — — — — Total 1-4 family real estate $ 61,981 $ 57,731 $ 33,737 $ 12,692 $ 5,813 $ 6,002 $ 5,855 $ 183,811 Consumer Pass (Ratings 1 through 5) $ 511 $ 801 $ 493 $ 122 $ 254 $ 621 $ 10,226 $ 13,028 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) 282 — 12 — 112 — — 406 Doubtful (Rating 8) — — — — — — — — Total Consumer $ 793 $ 801 $ 505 $ 122 $ 366 $ 621 $ 10,226 $ 13,434 Total $ 1,762,189 $ 1,348,190 $ 988,473 $ 412,583 $ 294,259 $ 215,046 $ 366,274 $ 5,387,014 As of December 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Delinquency Status * 2022 2021 2020 2019 2018 Prior Cost Basis Total (dollars in thousands) C&I - other Performing $ 170,180 $ 69,694 $ 25,540 $ 8,066 $ 1,804 $ 79 $ — $ 275,363 Nonperforming 1,110 1,320 155 95 — — — 2,680 Total C&I - other $ 171,290 $ 71,014 $ 25,695 $ 8,161 $ 1,804 $ 79 $ — $ 278,043 Direct financing leases Performing $ 28,785 $ 360 $ 10 $ 3 $ 62 $ — $ — $ 29,220 Nonperforming — — — — — — — — Total Direct financing leases $ 28,785 $ 360 $ 10 $ 3 $ 62 $ — $ — $ 29,220 Construction and land development Performing $ 14,578 $ 5,172 $ 5,700 $ 4,398 $ 1,536 $ 370 $ — $ 31,754 Nonperforming — 32 88 7 8 — — 135 Total Construction and land development $ 14,578 $ 5,204 $ 5,788 $ 4,405 $ 1,544 $ 370 $ — $ 31,889 1-4 family real estate Performing $ 69,094 $ 92,762 $ 75,153 $ 17,089 $ 11,381 $ 48,136 $ 90 $ 313,705 Nonperforming 267 524 487 279 8 448 — 2,013 Total 1-4 family real estate $ 69,361 $ 93,286 $ 75,640 $ 17,368 $ 11,389 $ 48,584 $ 90 $ 315,718 Consumer Performing $ 14,685 $ 3,844 $ 3,717 $ 1,123 $ 1,140 $ 1,325 $ 70,974 $ 96,808 Nonperforming 7 — — — 3 59 110 179 Total Consumer $ 14,692 $ 3,844 $ 3,717 $ 1,123 $ 1,143 $ 1,384 $ 71,084 $ 96,987

Note 4 - DERIVATIVES AND HEDGIN

Note 4 - DERIVATIVES AND HEDGING ACTIVITIES	3 Months Ended
Note 4 - DERIVATIVES AND HEDGING ACTIVITIES	Mar. 31, 2023
Notes to Financial Statements
DERIVATIVES AND HEDGING ACTIVITIES	NOTE 4 – DERIVATIVES AND HEDGING ACTIVITIES Derivatives are summarized as follows as of March 31, 2023 and December 31, 2022: March 31, 2023 December 31, 2022 (dollars in thousands) Assets: Interest rate caps - hedged $ 6,714 $ 8,327 Interest rate caps 1,786 2,213 Interest rate swaps - hedged 1,484 477 Interest rate swaps 120,366 166,614 $ 130,350 $ 177,631 Liabilities: Interest rate collars - hedged $ (57) $ (263) Interest rate swaps - hedged (29,978) (33,824) Interest rate swaps (120,366) (166,614) $ (150,401) $ (200,701) The Company uses interest rate swap, cap and collar instruments to manage interest rate risk related to the variability of interest payments due to changes in interest rates. The Company has entered into interest rate caps to hedge against the risk of rising interest rates on liabilities. The liabilities consist of $300.0 million of deposits and the benchmark rates hedged vary at 1-month LIBOR, 3-month LIBOR and the Prime Rate. The interest rate caps are designated as cash flow hedges in accordance with ASC 815. An initial premium of $3.5 million was paid upfront for the caps executed. The details of the interest rate caps are as follows: Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Strike Rate March 31, 2023 December 31, 2022 (dollars in thousands) Deposits 1/1/2020 1/1/2023 Derivatives - Assets $ 25,000 1.75 % $ - $ (50) Deposits 1/1/2020 1/1/2024 Derivatives - Assets 25,000 1.75 % 515 714 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 50,000 1.57 % 1,191 1,566 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 25,000 1.80 % 596 783 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 25,000 1.75 % 1,032 1,264 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 50,000 1.57 % 2,253 2,700 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 25,000 1.80 % 1,127 1,350 $ 225,000 $ 6,714 $ 8,327 For derivative instruments that are designated as unhedged, the change in fair value of the derivative instrument is recognized into current earnings. The details of the unhedged interest rate caps are as follows: Balance Sheet Fair Value as of Effective Date Maturity Date Location Notional Amount Strike Rate March 31, 2023 December 31, 2022 (dollars in thousands) 1/1/2020 1/3/2023 Derivatives - Assets $ 25,000 1.90 % $ - $ 3 2/1/2020 2/1/2024 Derivatives - Assets 25,000 1.90 % 635 822 3/1/2020 3/3/2025 Derivatives - Assets 25,000 1.90 % 1,151 1,388 $ 75,000 $ 1,786 $ 2,213 The Company uses interest rate collars in an effort to manage future interest rate exposure on variable rate loans. The collar hedging strategy stabilizes interest rate fluctuations by setting both a floor and a cap. The collar is designated as a cash flow hedge in accordance with ASC 815. The details of the interest rate collars are as follows: Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Cap Strike Rate Floor Strike Rate March 31, 2023 December 31, 2022 Loans 10/1/2022 10/1/2026 Derivatives - Liabilities $ 50,000 4.40 % 2.44 % $ (57) $ (263) The Company has entered into interest rate swaps to hedge against the risk of declining interest rates on floating rate loans. All of the interest rate swaps are designated as cash flow hedges in accordance with ASC 815. The details of the interest rate swaps are as follows: Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate March 31, 2023 December 31, 2022 (dollars in thousands) Loans 7/1/2021 7/1/2031 Derivatives - Liabilities $ 35,000 1.40 % 4.86 % $ (4,809) $ (5,646) Loans 7/1/2021 7/1/2031 Derivatives - Liabilities 50,000 1.40 % 4.86 % (6,871) (8,066) Loans 7/1/2021 7/1/2031 Derivatives - Liabilities 40,000 1.40 % 4.86 % (5,508) (6,464) Loans 10/1/2022 7/1/2031 Derivatives - Liabilities 25,000 1.30 % 4.87 % (3,403) (4,018) Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 15,000 1.91 % 4.86 % (939) (1,144) Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 50,000 1.91 % 4.86 % (3,129) (3,812) Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 35,000 1.91 % 4.86 % (2,190) (2,669) Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 50,000 1.91 % 4.86 % (3,129) (3,812) $ 300,000 $ (29,978) $ (35,631) The Company has entered into interest rate swaps to hedge against the risk of rising rates on its variable rate trust preferred securities. All of the interest rate swaps are designated as cash flow hedges in accordance with ASC 815. The details of the interest rate swaps are as follows: Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate March 31, 2023 December 31, 2022 (dollars in thousands) QCR Holdings Statutory Trust II 9/30/2018 9/30/2028 Derivatives - Assets $ 10,000 7.60 % 5.85 % $ 279 $ 464 QCR Holdings Statutory Trust III 9/30/2018 9/30/2028 Derivatives - Assets 8,000 7.60 % 5.85 % 223 372 QCR Holdings Statutory Trust V 7/7/2018 7/7/2028 Derivatives - Assets 10,000 6.38 % 4.54 % 279 459 Community National Statutory Trust II 9/20/2018 9/20/2028 Derivatives - Assets 3,000 7.13 % 5.17 % 83 140 Community National Statutory Trust III 9/15//2018 9/15/2028 Derivatives - Assets 3,500 6.62 % 4.75 % 96 163 Guaranty Bankshares Statutory Trust I 9/15/2018 9/15/2028 Derivatives - Assets 4,500 6.62 % 4.75 % 124 209 Guaranty Statutory Trust II* 5/23/2019 2/23/2026 Derivatives - Assets 10,310 6.37 % 4.09 % 400 477 $ 49,310 $ 1,484 $ 2,284 *Acquired on 4/1/2022 with GFED acquisition. Changes in fair values of derivative financial instruments accounted for as cash flow hedges, to the extent that they are included in the assessment of effectiveness, are recorded as a component of AOCI. The Company has also entered into interest rate swap contracts that are not designated as hedging instruments. These derivative contracts relate to transactions in which the Company enters into an interest rate swap with a customer while at the same time entering into an equal and offsetting interest rate swap with a third-party financial institution. Additionally, the Company receives an upfront, non-refundable fee from the counterparty, dependent upon the pricing that is recognized upon receipt from the counterparty. Because the Company acts as an intermediary for the customer, changes in the fair value of the underlying derivative contracts, for the most part, offset each other and do not significantly impact the Company’s results of operations. Interest rate swaps that are not designated as hedging instruments are summarized as follows: March 31, 2023 December 31, 2022 Notional Amount Estimated Fair Value Notional Amount Estimated Fair Value (dollars in thousands) Non-Hedging Interest Rate Derivatives Assets: Interest rate swap contracts $ 2,855,239 $ 120,366 $ 2,528,949 $ 166,614 Non-Hedging Interest Rate Derivatives Liabilities: Interest rate swap contracts $ 2,855,239 $ 120,366 $ 2,528,949 $ 166,614 The effect of cash flow hedging and fair value accounting on the consolidated statements of income for the three months ended March 31, 2023 and March 31, 2022 are as follows: Three Months Ended March 31, 2023 Three Months Ended March 31, 2022 Interest and Interest Interest and Interest Dividend Income Expense Dividend Income Expense (dollars in thousands) Income and expense line items presented in the consolidated statements of income $ 94,217 $ 37,407 $ 51,062 $ 5,329 The effects of cash flow hedging: Gain (loss) on cash flow hedges: Interest rate caps on deposits - (1,581) - 221 Interest rate swaps and collars on variable rate loans (2,055) - 471 - Interest rate swaps on junior subordinated debentures - (227) - 267 The Company’s hedged interest rate swaps and non-hedged interest rate swaps are collateralized with cash and investment securities with carrying values as follows: March 31, 2023 December 31, 2022 (dollars in thousands) Cash $ 1,661 $ 1,272 Municipal securities 3,954 8,227 Residential mortgage-backed and related securities 5,987 29,257 $ 11,602 $ 38,756 The Company may be exposed to credit risk in the event of non-performance by the counterparties to its interest rate derivative agreements. The Company assesses the credit risk of its financial institution counterparties by monitoring publicly available credit ratings and financial information. Additionally, the Company manages financial institution counterparty credit risk by entering into interest rate derivatives only with primary and highly rated counterparties, and uses ISDA master agreements, central clearing mechanisms and counterparty limits. The agreements contain bilateral collateral agreements with the amount of collateral to be posted generally governed by the settlement value of outstanding swaps. The Company manages the risk of default by its borrower/customer counterparties through its normal loan underwriting and credit monitoring policies and procedures. The Company underwrites the combination of the base loan amount and potential swap exposure and focuses on high quality borrowers with strong collateral values. The majority of the Company’s swapped loan portfolio consists of loans on projects, with loan-to-values including the potential swap exposure that is below 65%. The Company does not currently anticipate any losses from failure of interest rate derivative counterparties to honor their obligations.

Note 5 - INCOME TAXES

Note 5 - INCOME TAXES	3 Months Ended
Note 5 - INCOME TAXES	Mar. 31, 2023
Notes to Financial Statements
INCOME TAXES	NOTE 5 – IN COME TAXES A reconciliation of the expected federal income tax expense to the income tax expense included in the consolidated statements of income is as follows for the three months ended March 31, 2023 and March 31, 2022: For the Three Months Ended March 31, 2023 2022 % of % of Pretax Pretax Amount Income Amount Income (dollars in thousands) Computed "expected" tax expense $ 6,287 21.0 % $ 5,451 21.0 % Tax exempt income, net (3,216) (10.7) (2,222) (8.6) Bank-owned life insurance (148) (0.5) (73) (0.3) State income taxes, net of federal benefit, current year 1,189 4.0 1,291 5.0 Provision adjustment from accounting method change — — (1,181) (4.5) Tax credits (177) (0.6) (242) (0.9) Income from tax credit equity investments (413) (1.4) (301) (1.2) Acquisition costs — — 130 0.5 Excess tax benefit on stock options exercised and restricted stock awards vested (398) (1.3) (434) (1.7) Other (342) (1.2) (86) (0.3) Federal and state income tax expense $ 2,782 9.3 % $ 2,333 9.0 %

Note 6 - EARNINGS PER SHARE

Note 6 - EARNINGS PER SHARE	3 Months Ended
Note 6 - EARNINGS PER SHARE	Mar. 31, 2023
Notes to Financial Statements
EARNINGS PER SHARE	NOTE 6 - EARNINGS PER SHARE The following information was used in the computation of EPS on a basic and diluted basis: Three months ended March 31, 2023 2022 (dollars in thousands, except share data) Net income $ 27,157 $ 23,624 Basic EPS $ 1.62 $ 1.51 Diluted EPS $ 1.60 $ 1.49 Weighted average common shares outstanding 16,776,289 15,625,112 Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan* 165,843 227,144 Weighted average common and common equivalent shares outstanding 16,942,132 15,852,256

Note 7 - FAIR VALUE

Note 7 - FAIR VALUE	3 Months Ended
Note 7 - FAIR VALUE	Mar. 31, 2023
FAIR VALUE
FAIR VALUE	NOTE 7 – FAIR VALUE Accounting guidance on fair value measurement uses a hierarchy intended to maximize the use of observable inputs and minimize the use of unobservable inputs. This hierarchy includes three levels and is based upon the valuation techniques used to measure assets and liabilities. The three levels are as follows: ● Level 1 – Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in markets; ● Level 2 – Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument; and ● Level 3 – Inputs to the valuation methodology are unobservable and significant to the fair value measurement. Assets and liabilities measured at fair value on a recurring basis comprise the following at March 31, 2023 and December 31, 2022: Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (dollars in thousands) March 31, 2023: Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 19,320 $ — $ 19,320 $ — Residential mortgage-backed and related securities 63,104 — 63,104 — Municipal securities 170,590 — 170,590 — Asset-backed securities 17,967 — 17,967 — Other securities 44,496 — 44,496 — Derivatives 130,350 — 130,350 — Total assets measured at fair value $ 445,827 $ — $ 445,827 $ — Derivatives $ 150,401 $ — $ 150,401 $ — Total liabilities measured at fair value $ 150,401 $ — $ 150,401 $ — December 31, 2022: Securities AFS: U.S. govt. sponsored agency securities $ 16,981 $ — $ 16,981 $ — Residential mortgage-backed and related securities 66,215 — 66,215 — Municipal securities 193,178 — 193,178 — Asset-backed securities 18,728 — 18,728 — Other securities 45,858 — 45,858 — Derivatives 177,631 — 177,631 — Total assets measured at fair value $ 518,591 $ — $ 518,591 $ — Derivatives $ 200,701 $ — $ 200,701 $ — Total liabilities measured at fair value $ 200,701 $ — $ 200,701 $ — The securities AFS portfolio consists of securities whereby the Company obtains fair values from an independent pricing service. The fair values are determined by pricing models that consider observable market data, such as interest rate volatilities, LIBOR yield curve, credit spreads and prices from market makers and live trading systems (Level 2 inputs). Interest rate caps, swaps and collars are used for the purpose of hedging interest rate risk on various financial assets and liabilities, further described in Note 4 to the Consolidated Financial Statements. Interest rate swaps are also executed for select commercial customers. The fair values are determined by pricing models that consider observable market data for derivative instruments with similar structures (Level 2 inputs). Certain financial assets are measured at fair value on a non-recurring basis; that is, the assets are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when a loan/lease is collaterally dependent). Assets measured at fair value on a non-recurring basis comprised the following at March 31, 2023 and December 31, 2022: Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value Level 1 Level 2 Level 3 (dollars in thousands) March 31, 2023: Loans/leases evaluated individually $ 42,354 $ — $ — $ 42,354 Loans receivable held for sale 139,224 — — 139,224 OREO 66 — — 66 $ 181,644 $ — $ — $ 181,644 December 31, 2022: Loans/leases evaluated individually $ 30,765 $ — $ — $ 30,765 OREO 144 — — 144 $ 30,909 $ — $ — $ 30,909 Loans/leases evaluated individually are valued at the lower of cost or fair value and are classified as Level 3 in the fair value hierarchy. Fair value is measured based on the value of the collateral securing these loans/leases. Collateral may be real estate and/or business assets, including equipment, inventory and/or accounts receivable, and is determined based on appraisals by qualified licensed appraisers hired by the Company. Appraised and reported values are discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the client and client's business. Loans receivable held for sale are valued at the lower of cost or fair value in the aggregate by type and are classified as Level 3 in the fair value hierarchy. Fair value is estimated considering the loans have a floating interest rate with a spread that is commensurate with current market pricing, in addition to factoring in a discount for credit risk. OREO in the table above consists of property acquired through foreclosures and settlements of loans. Property acquired is carried at the estimated fair value of the property, less disposal costs, and is classified as a Level 3 in the fair value hierarchy. The estimated fair value of the property is determined based on appraisals by qualified licensed appraisers hired by the Company. Appraise and reported values are discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, and/or management’s expertise and knowledge of the property. The following table presents additional quantitative information about assets measured at fair value on a non-recurring basis for which the Company has utilized Level 3 inputs to determine fair value: Quantitative Information about Level Fair Value Measurements Fair Value Fair Value March 31, December 31, 2023 2022 Valuation Technique Unobservable Input Range (dollars in thousands) Loans/leases evaluated individually $ 42,354 $ 30,765 Appraisal of collateral Appraisal adjustments -10.00 % to -30.00 % Loans receivable held for sale 139,224 — Market prices for similar loans Market price adjustments n/a OREO 66 144 Appraisal of collateral Appraisal adjustments 0.00 % to -35.00 % For the loans/leases evaluated individually, the Company records carrying value at fair value less disposal or selling costs. The amounts reported in the tables above are fair values before the adjustment for disposal or selling costs. For the loans receivable held for sale, the Company records carrying value at fair value factoring in a discount for credit risk. There have been no changes in valuation techniques used for any assets or liabilities measured at fair value during the three months ended March 31, 2023 and 2022. The following table presents the carrying values and estimated fair values of financial assets and liabilities carried on the Company's consolidated balance sheets, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis: Fair Value As of March 31, 2023 As of December 31, 2022 Hierarchy Carrying Estimated Carrying Estimated Level Value Fair Value Value Fair Value (dollars in thousands) Cash and due from banks Level 1 $ 64,295 $ 64,295 $ 59,723 $ 59,723 Federal funds sold Level 2 16,365 16,365 56,910 56,910 Interest-bearing deposits at financial institutions Level 2 237,632 237,632 67,360 67,360 Investment securities: HTM Level 2 561,969 528,966 587,142 535,636 AFS Level 2 315,477 315,477 340,960 340,960 Loans/leases receivable, net Level 3 178,441 181,578 28,486 30,765 Loans/leases receivable, net Level 2 5,925,008 5,749,501 6,022,679 5,896,443 Derivatives Level 2 130,350 130,350 177,631 177,631 Deposits: Nonmaturity deposits Level 2 5,288,242 5,288,242 5,199,633 5,199,633 Time deposits Level 2 1,213,421 1,201,496 784,584 766,294 Short-term borrowings Level 2 1,100 1,100 129,630 129,630 FHLB advances Level 2 135,000 138,588 415,000 415,000 Subordinated notes Level 2 232,746 249,647 232,662 250,613 Junior subordinated debentures Level 2 48,634 40,368 48,602 41,545 Derivatives Level 2 150,401 150,401 200,701 200,701

Note 8 - BUSINESS SEGMENT INFOR

Note 8 - BUSINESS SEGMENT INFORMATION	3 Months Ended
Note 8 - BUSINESS SEGMENT INFORMATION	Mar. 31, 2023
BUSINESS SEGMENT INFORMATION
BUSINESS SEGMENT INFORMATION	NOTE 8 – BUSINESS SEGMENT INFORMATION Selected financial and descriptive information is required to be disclosed for reportable operating segments, applying a “management perspective” as the basis for identifying reportable segments. The management perspective is determined by the view that management takes of the segments within the Company when making operating decisions, allocating resources, and measuring performance. The segments of the Company have been defined by the structure of the Company's internal organization, focusing on the financial information that the Company's operating decision-makers routinely use to make decisions about operating matters. The Company’s Commercial Banking business is geographically divided by markets into the operating segments which are the four subsidiary banks wholly owned by the Company: QCBT, CRBT, CSB, and GB. Each of these operating segments offers similar products and services, but is managed separately due to different pricing, product demand, and consumer markets. Each offers commercial, consumer, and mortgage loans and deposit services. The Company's All Other segment includes the corporate operations of the parent and operations of all other consolidated subsidiaries and/or defined operating segments that fall below the segment reporting thresholds. Selected financial information on the Company's business segments is presented as follows as of and for the three months ended March 31, 2023 and 2022: Commercial Banking Intercompany Consolidated QCBT CRBT CSB GB* All other Eliminations Total (dollars in thousands) Three Months Ended March 31, 2023 Total revenue $ 33,124 $ 43,123 $ 16,568 $ 27,621 $ 34,669 $ (35,046) $ 120,059 Net interest income 16,988 17,179 10,890 15,372 (3,963) 344 56,810 Provision for loan/lease losses 1,573 1,516 492 347 — — 3,928 Net income (loss) from continuing operations 7,038 16,400 4,760 5,387 27,680 (34,108) 27,157 Goodwill 3,223 14,980 9,888 110,383 — — 138,474 Intangibles — 1,108 1,878 13,007 — — 15,993 Total assets 2,548,473 2,196,560 1,286,227 2,147,776 1,116,694 (1,258,826) 8,036,904 Three Months Ended March 31, 2022 Total revenue $ 22,480 $ 25,211 $ 11,316 $ 7,844 $ 28,912 $ (29,068) $ 66,695 Net interest income 17,314 14,323 9,331 6,528 (2,109) 346 45,733 Provision for loan/lease losses (1,259) (770) (385) (502) — — (2,916) Net income (loss) from continuing operations 9,970 11,129 4,126 3,104 23,827 (28,532) 23,624 Goodwill 3,223 14,980 9,888 45,975 — — 74,066 Intangibles — 1,583 2,497 4,776 — — 8,856 Total assets 2,195,894 1,947,737 1,184,708 956,345 839,362 (948,227) 6,175,819 * On April 1, 2022, the Company acquired GFED and merged its subsidiary bank, Guaranty Bank, into Springfield First Community Bank with the combined bank operating under the Guaranty Bank name.

Note 9 - REGULATORY CAPITAL REQ

Note 9 - REGULATORY CAPITAL REQUIREMENTS	3 Months Ended
Note 9 - REGULATORY CAPITAL REQUIREMENTS	Mar. 31, 2023
Notes to Financial Statements
REGULATORY CAPITAL REQUIREMENTS	NOTE 9 – REGULATORY CAPITAL REQUIREMENTS The Company (on a consolidated basis) and the subsidiary banks are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company and the subsidiary banks' financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the subsidiary banks must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain OBS items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Company and the subsidiary banks to maintain minimum amounts and ratios (set forth in the following table) of total common equity Tier 1 and Tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets, each as defined by regulation. Management believes, as of March 31, 2023 and December 31, 2022, that the Company and the subsidiary banks met all capital adequacy requirements to which they are subject. Under the regulatory framework for prompt corrective action, to be categorized as “well capitalized,” an institution must maintain minimum total risk-based, Tier 1 risk-based, Tier 1 leverage and common equity Tier 1 ratios as set forth in the following tables. The Company and the subsidiary banks’ actual capital amounts and ratios as of March 31, 2023 and December 31, 2022 are presented in the following tables (dollars in thousands). As of March 31, 2023 and December 31, 2022, each of the subsidiary banks met such capital requirements to be “well capitalized”. For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio ( dollars in thousands) As of March 31, 2023: Company: Total risk-based capital $ 1,078,343 14.68 % $ 587,728 > 8.00 % $ 771,392 > 10.50 % $ 734,659 > 10.00 % Tier 1 risk-based capital 754,221 10.27 440,796 > 6.00 624,460 > 8.50 587,728 > 8.00 Tier 1 leverage 754,221 9.73 310,214 > 4.00 310,214 > 4.00 387,768 > 5.00 Common equity Tier 1 705,587 9.60 330,597 > 4.50 514,262 > 7.00 477,529 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 282,911 13.15 % $ 172,050 > 8.00 % $ 225,816 > 10.50 % $ 215,063 > 10.00 % Tier 1 risk-based capital 256,016 11.90 129,038 > 6.00 182,804 > 8.50 172,050 > 8.00 Tier 1 leverage 256,016 11.06 92,599 > 4.00 92,599 > 4.00 115,748 > 5.00 Common equity Tier 1 256,016 11.90 96,778 > 4.50 150,544 > 7.00 139,791 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 323,605 16.24 % $ 159,422 > 8.00 % $ 209,241 > 10.50 % $ 199,277 > 10.00 % Tier 1 risk-based capital 298,757 14.99 119,566 > 6.00 169,386 > 8.50 159,422 > 8.00 Tier 1 leverage 298,757 13.95 85,658 > 4.00 85,658 > 4.00 107,073 > 5.00 Common equity Tier 1 298,757 14.99 89,675 > 4.50 139,494 > 7.00 129,530 > 6.50 Community State Bank: Total risk-based capital $ 147,754 12.53 % $ 94,349 > 8.00 % $ 123,833 > 10.50 % $ 117,936 > 10.00 % Tier 1 risk-based capital 133,007 11.28 70,762 > 6.00 100,246 > 8.50 94,349 > 8.00 Tier 1 leverage 133,007 10.45 50,899 > 4.00 50,899 > 4.00 63,624 > 5.00 Common equity Tier 1 133,007 11.28 53,071 > 4.50 82,555 > 7.00 76,659 > 6.50 Guaranty Bank: Total risk-based capital $ 246,979 12.41 % $ 159,267 > 8.00 % $ 209,038 > 10.50 % $ 199,084 > 10.00 % Tier 1 risk-based capital 223,668 11.23 119,450 > 6.00 169,221 > 8.50 159,267 > 8.00 Tier 1 leverage 223,668 11.02 81,171 > 4.00 81,171 > 4.00 101,464 > 5.00 Common equity Tier 1 223,668 11.23 89,588 > 4.50 139,359 > 7.00 129,404 > 6.50 For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio ( dollars in thousands) As of December 31, 2022: Company: Total risk-based capital $ 1,055,177 14.28 % $ 591,132 > 8.00 % $ 775,861 > 10.50 % $ 738,915 > 10.00 % Tier 1 risk-based capital 734,977 9.95 443,349 > 6.00 628,078 > 8.50 591,132 > 8.00 Tier 1 leverage 734,977 9.61 305,959 > 4.00 305,959 > 4.00 382,449 > 5.00 Common equity Tier 1 686,375 9.29 332,512 > 4.50 517,241 > 7.00 480,295 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 275,337 13.07 % $ 168,588 > 8.00 % $ 221,272 > 10.50 % $ 210,735 > 10.00 % Tier 1 risk-based capital 248,978 11.81 126,441 > 6.00 179,125 > 8.50 168,588 > 8.00 Tier 1 leverage 248,978 11.01 90,419 > 4.00 90,419 > 4.00 133,023 > 5.00 Common equity Tier 1 248,978 11.81 94,831 > 4.50 147,514 > 7.00 136,978 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 308,153 14.84 % $ 166,168 > 8.00 % $ 218,096 > 10.50 % $ 207,711 > 10.00 % Tier 1 risk-based capital 282,258 13.59 124,626 > 6.00 176,554 > 8.50 166,168 > 8.00 Tier 1 leverage 282,258 13.17 85,707 > 4.00 85,707 > 4.00 107,134 > 5.00 Common equity Tier 1 282,258 13.59 93,470 > 4.50 145,397 > 7.00 135,012 > 6.50 Community State Bank: Total risk-based capital $ 142,974 12.04 % $ 94,981 > 8.00 % $ 124,662 > 10.50 % $ 118,726 > 10.00 % Tier 1 risk-based capital 128,130 10.79 71,236 > 6.00 100,917 > 8.50 94,981 > 8.00 Tier 1 leverage 128,130 10.09 50,799 > 4.00 50,799 > 4.00 63,499 > 5.00 Common equity Tier 1 128,130 10.79 53,427 > 4.50 83,108 > 7.00 77,172 > 6.50 Guaranty Bank: Total risk-based capital $ 243,106 12.24 % $ 158,903 > 8.00 % $ 208,560 > 10.50 % $ 198,629 > 10.00 % Tier 1 risk-based capital 218,647 11.01 119,177 > 6.00 168,834 > 8.50 158,903 > 8.00 Tier 1 leverage 218,647 10.90 80,229 > 4.00 80,229 > 4.00 100,286 > 5.00 Common equity Tier 1 218,647 11.01 89,383 > 4.50 139,040 > 7.00 129,109 > 6.50

Note 1 - SUMMARY OF SIGNIFICA_2

Note 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2023
Accounting Policies
Basis of presentation	Basis of presentation The financial information of the Company included herein has been prepared in accordance with GAAP for interim financial reporting and has been prepared pursuant to the rules and regulations for reporting on Form 10-Q and Rule 10-01 of Regulation S-X. Such information reflects all adjustments (consisting of normal recurring adjustments) that are, in the opinion of management, necessary for a fair presentation of the financial position and results of operations for the periods presented. Any differences appearing between the numbers presented in financial statements and management's discussion and analysis are due to rounding. The results of the interim period ended March 31, 2023 are not necessarily indicative of the results expected for the year ending December 31, 2023, or for any other period. The acronyms and abbreviations identified below are used throughout this Quarterly Report on Form 10-Q. It may be helpful to refer back to this page as you read this report. ACL: Allowance for credit losses GFED: Guaranty Federal Bancshares, Inc. Allowance: Allowance for credit losses HTM: Held to maturity AOCI: Accumulated other comprehensive income (loss) LIBOR: London Inter-Bank Offered Rate ASC: Accounting Standards Codification LIHTC: Low-income housing tax credit ASU: Accounting Standards Update m2: m2 Equipment Finance, LLC BOLI: Bank-owned life insurance NIM: Net interest margin Caps: Interest rate cap derivatives NPA: Nonperforming asset CECL: Current Expected Credit Losses NPL: Nonperforming loan Community National: Community National Bancorporation OBS: Off-balance sheet Company: QCR Holdings, Inc. OREO: Other real estate owned COVID-19: Coronavirus Disease 2019 OTTI: Other-than-temporary impairment CRBT: Cedar Rapids Bank & Trust Company PCAOB: Public Company Accounting Oversight Board CRE: Commercial real estate PCD: Purchase credit deteriorated loan CSB: Community State Bank PCI: Purchased credit impaired C&I: Commercial and industrial PPP: Paycheck Protection Program EBA: Excess balance account Provision: Provision for credit losses EPS: Earnings per share QCBT: Quad City Bank & Trust Company Exchange Act: Securities Exchange Act of 1934, as ROAA: Return on average assets amended ROAE: Return on average equity FASB: Financial Accounting Standards Board SEC: Securities and Exchange Commission FDIC: Federal Deposit Insurance Corporation SFCB: Springfield First Community Bank Federal Reserve: Board of Governors of the Federal SFG: Specialty Finance Group Reserve System TA: Tangible Assets FHLB: Federal Home Loan Bank TBV: Tangible book value FRB: Federal Reserve Bank of Chicago TCE: Tangible common equity Guaranty: Guaranty Bank, formerly known as Springfield First TDRs: Troubled debt restructurings Community Bank TEY: Tax equivalent yield
Principles of consolidation	The Consolidated Financial Statements include the accounts of the Company and its wholly-owned subsidiaries which include the accounts of four commercial banks: QCBT, CRBT, CSB and GB. All four banks are state-chartered commercial banks and all are members of the Federal Reserve system. The Company also engages in direct financing lease contracts through m2, a wholly-owned subsidiary of QCBT. The company also engages in wealth management services through its banking subsidiaries. All material intercompany transactions and balances have been eliminated in consolidation. The acquisition of GFED, the holding company of GB, headquartered in Springfield, Missouri, occurred on April 1, 2022 and on April 2, 2022, GB was merged into SFCB, the Company’s Springfield-based charter. The combined bank changed its name to Guaranty Bank. The financial results for the periods since the acquisition/merger are included in this report. See Note 2 of the Company’s Annual Report on Form 10-K for the year ended December 31, 2022 for additional information about the acquisition and merger.
Recent accounting developments	Recent accounting developments Reference Rate Reform Management has assessed the impacts of ASU 2020-04 and the related opportunities and risks involved in the LIBOR transition. In April 2022, the FASB issued ASU 2022-02, Troubled Debt Restructurings and Vintage Disclosures
Reclassifications	Reclassifications

Note 2 - INVESTMENT SECURITIES

Note 2 - INVESTMENT SECURITIES (Tables)	3 Months Ended
Note 2 - INVESTMENT SECURITIES (Tables)	Mar. 31, 2023
Notes Tables
Amortized cost and fair value of investment securities	Allowance Gross Gross Amortized for Credit Unrealized Unrealized Fair Cost (Losses) Gains (Losses) Value (dollars in thousands) March 31, 2023: Securities HTM: Municipal securities $ 561,099 $ (180) $ 10,578 $ (43,563) $ 527,934 Other securities 1,050 — — (18) 1,032 $ 562,149 $ (180) $ 10,578 $ (43,581) $ 528,966 Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 21,697 $ — $ 16 $ (2,393) $ 19,320 Residential mortgage-backed and related securities 69,415 — — (6,311) 63,104 Municipal securities 209,875 — 9 (39,294) 170,590 Asset-backed securities 18,087 — 47 (167) 17,967 Other securities 48,562 (989) 7 (3,084) 44,496 $ 367,636 $ (989) $ 79 $ (51,249) $ 315,477 Allowance Gross Gross Amortized for Credit Unrealized Unrealized Fair Cost (Losses) Gains (Losses) Value (dollars in thousands) December 31, 2022: Securities HTM: Municipal securities $ 586,272 $ (180) $ 5,292 $ (56,798) $ 534,586 Other securities 1,050 — — — 1,050 $ 587,322 $ (180) $ 5,292 $ (56,798) $ 535,636 Securities AFS: U.S. govt. sponsored agency securities $ 19,745 $ — $ 19 $ (2,783) $ 16,981 Residential mortgage-backed and related securities 73,438 — — (7,223) 66,215 Municipal securities 239,812 — 66 (46,700) 193,178 Asset-backed securities 18,885 — 48 (205) 18,728 Other securities 48,631 — 27 (2,800) 45,858 $ 400,511 $ — $ 160 $ (59,711) $ 340,960
Securities have been in a continuous unrealized loss position	Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) March 31, 2023: Securities HTM: Municipal securities $ 275,950 $ (33,259) $ 70,015 $ (10,304) $ 345,965 $ (43,563) Other securities 1,032 (18) — — 1,032 (18) $ 276,982 $ (33,277) $ 70,015 $ (10,304) $ 346,997 $ (43,581) Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 2,212 $ (4) $ 14,401 $ (2,389) $ 16,613 $ (2,393) Residential mortgage-backed and related securities 17,277 (814) 45,807 (5,497) 63,084 (6,311) Municipal securities 43,572 (3,340) 124,603 (35,954) 168,175 (39,294) Asset-backed securities 3,303 (5) 10,781 (162) 14,084 (167) Other securities 26,142 (1,612) 12,113 (1,472) 38,255 (3,084) $ 92,506 $ (5,775) $ 207,705 $ (45,474) $ 300,211 $ (51,249) Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) December 31, 2022: Securities HTM: Municipal securities $ 347,651 $ (56,798) $ — $ — $ 347,651 $ (56,798) Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 5,138 $ (326) $ 10,591 $ (2,457) $ 15,729 $ (2,783) Residential mortgage-backed and related securities 48,469 (3,327) 17,690 (3,896) 66,159 (7,223) Municipal securities 178,172 (42,661) 9,809 (4,039) 187,981 (46,700) Asset-backed securities 13,684 (205) — — 13,684 (205) Other securities 35,206 (2,404) 4,122 (396) 39,328 (2,800) $ 280,669 $ (48,923) $ 42,212 $ (10,788) $ 322,881 $ (59,711)
Activity in allowance for credit losses	Three Months Ended March 31, 2023 Three Months Ended March 31, 2022 Securities HTM Securities AFS Securities HTM Municipal Corporate Municipal securities securities securities (dollars in thousands) Allowance for credit losses: Beginning balance $ 180 $ — $ 198 Provision for credit loss expense — 989 — Balance, ending $ 180 $ 989 $ 198
Realized gain (loss) on investments	Three Months Ended March 31, 2023 Proceeds from sales of securities $ 28,628 Gross gains from sales of securities 44 Gross losses from sales of securities (507)
Investments classified by maturity date	Amortized Cost Fair Value (dollars in thousands) Securities HTM: Due in one year or less $ 9,064 $ 9,149 Due after one year through five years 32,996 35,709 Due after five years 520,089 484,108 $ 562,149 $ 528,966 Securities AFS: Due in one year or less $ 6,561 $ 6,556 Due after one year through five years 2,500 2,468 Due after five years 271,073 225,382 280,134 234,406 Residential mortgage-backed and related securities 69,415 63,104 Asset-backed securities 18,087 17,967 $ 367,636 $ 315,477
Schedule of investment in callable securities	Amortized Cost Fair Value (dollars in thousands) Securities HTM: Municipal securities $ 268,957 $ 242,766 Securities AFS: Municipal securities 206,954 167,686 Other securities 47,610 43,559 $ 254,564 $ 211,245

Note 3 - LOANS_LEASES RECEIVA_2

Note 3 - LOANS/LEASES RECEIVABLE (Tables)	3 Months Ended
Note 3 - LOANS/LEASES RECEIVABLE (Tables)	Mar. 31, 2023
Notes Tables
Composition of the loan/lease portfolio	March 31, 2023 December 31, 2022 (dollars in thousands) C&I: C&I - revolving $ 307,612 $ 296,869 C&I - other * 1,420,331 1,451,693 1,727,943 1,748,562 CRE - owner occupied 616,922 629,367 CRE - non-owner occupied 982,716 963,239 Construction and land development 1,208,185 1,192,061 Multi-family 969,870 963,803 Direct financing leases* 35,373 31,889 1-4 family real estate 532,491 499,529 Consumer 116,522 110,421 6,190,022 6,138,871 Allowance for credit losses (86,573) (87,706) $ 6,103,449 $ 6,051,165 * Direct financing leases: Net minimum lease payments to be received $ 39,075 $ 34,754 Estimated unguaranteed residual values of leased assets 165 165 Unearned lease/residual income (3,867) (3,030) 35,373 31,889 Plus deferred lease origination costs, net of fees 174 226 35,547 32,115 Less allowance for credit losses (1,053) (970) $ 34,494 $ 31,145 * Includes equipment financing agreements outstanding at m2, totaling $286.1 million and $278.0 million as of March 31, 2023 and December 31, 2022, respectively. As of March 31, 2023, there were construction and land development and multi-family loans held for sale in preparation for securitization. The balances in these loan classes as of March 31, 2023 were $30.3 million and $108.9 million, respectively. * Management performs an evaluation of the estimated unguaranteed residual values of leased assets on an annual basis, at a minimum. The evaluation consists of discussions with reputable and current vendors, which is combined with management's expertise and understanding of the current states of particular industries to determine informal valuations of the equipment. As necessary and where available, management will utilize valuations by independent appraisers. The majority of leases with residual values contain a lease options rider, which requires the lessee to pay the residual value directly, finance the payment of the residual value, or extend the lease term to pay the residual value. In these cases, the residual value is protected and the risk of loss is minimal. **** Includes residential real estate held for sale totaling $1.4 million and $1.5 million as of March 31, 2023 and December 31, 2022, respectively.
Schedule of changes in remaining discounts on acquired loans	For the Three Months Ended March 31, 2023 March 31, 2022 Performing Performing Loans Loans (dollars in thousands) Balance at the beginning of the period $ (6,088) $ (1,533) Accretion recognized 849 161 Balance at the end of the period $ (5,239) $ (1,372)
Aging of the loan/lease portfolio by classes of loans/leases	As of March 31, 2023 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I: C&I - revolving $ 307,612 $ — $ — $ — $ — $ 307,612 C&I - other 1,406,944 4,718 3,899 15 4,755 1,420,331 CRE - owner occupied 612,379 1,899 — — 2,644 616,922 CRE - non-owner occupied 980,498 — — — 2,218 982,716 Construction and land development 1,197,526 — — — 10,659 1,208,185 Multi-family 969,870 — — — — 969,870 Direct financing leases 34,951 220 84 — 118 35,373 1-4 family real estate 529,263 865 76 — 2,287 532,491 Consumer 116,030 67 159 — 266 116,522 $ 6,155,073 $ 7,769 $ 4,218 $ 15 $ 22,947 $ 6,190,022 As a percentage of total loan/lease portfolio 99.43 % 0.13 % 0.07 % 0.00 % 0.37 % 100.00 % As of December 31, 2022 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I C&I - revolving $ 296,869 $ — $ — $ — $ — $ 296,869 C&I - other 1,442,629 4,800 1,124 5 3,135 1,451,693 CRE - owner occupied 625,611 1,166 — — 2,590 629,367 CRE - non-owner occupied 962,444 421 — — 374 963,239 Construction and land development 1,191,929 — — — 132 1,192,061 Multi-family 963,803 — — — — 963,803 Direct financing leases 31,557 141 56 — 135 31,889 1-4 family real estate 495,936 1,030 517 — 2,046 499,529 Consumer 110,041 27 — — 353 110,421 $ 6,120,819 $ 7,585 $ 1,697 $ 5 $ 8,765 $ 6,138,871 As a percentage of total loan/lease portfolio 98.88 % 0.12 % 0.03 % 0.00 % 0.14 % 100.00 %
NPLs by classes of loans/leases	As of March 31, 2023 Accruing Past Nonaccrual Nonaccrual Due 90 Days or Loans/Leases Loans/Leases Percentage of Classes of Loans/Leases More with an ACL without an ACL Total NPLs Total NPLs (dollars in thousands) C&I: C&I - revolving $ — $ — $ — $ — - % C&I - other 15 3,891 864 4,770 20.77 CRE - owner occupied — 2,197 447 2,644 11.52 CRE - non-owner occupied — 1,267 951 2,218 9.66 Construction and land development — 9,292 1,367 10,659 46.42 Multi-family — — — — - Direct financing leases — 118 — 118 0.51 1-4 family real estate — 1,893 394 2,287 9.96 Consumer — 266 — 266 1.16 $ 15 $ 18,924 $ 4,023 $ 22,962 100.00 % As of December 31, 2022 Accruing Past Nonaccrual Nonaccrual Due 90 Days or Loans/Leases Loans/Leases Percentage of Classes of Loans/Leases More with an ACL without an ACL Total NPLs Total NPLs (dollars in thousands) C&I: C&I - revolving $ — $ — $ — $ — - % C&I - other 5 2,775 360 3,140 35.80 CRE - owner occupied — 1,738 852 2,590 29.53 CRE - non-owner occupied — 68 306 374 4.26 Construction and land development — 132 — 132 1.51 Multi-family — — — — - Direct financing leases — 80 55 135 1.54 1-4 family real estate — 1,641 405 2,046 23.33 Consumer — 353 — 353 4.03 $ 5 $ 6,787 $ 1,978 $ 8,770 100.00 %
Allowance for credit losses on financing receivables	Changes in the ACL loans/leases by portfolio segment for the three months ended March 31, 2023 and 2022, respectively, are presented as follows: Three Months Ended March 31, 2023 CRE CRE Construction 1-4 C&I - C&I - Owner Non-Owner and Land Multi- Family Revolving Other* Occupied Occupied Development Family Real Estate Consumer Total (dollars in thousands) Balance, beginning $ 4,457 $ 27,753 $ 9,965 $ 11,749 $ 14,262 $ 13,186 $ 4,963 $ 1,371 $ 87,706 Reduction of ACL for writedown of LHFS to fair value — — — — (354) (1,355) — — (1,709) Provision 180 557 (668) 878 1,349 (210) 302 70 2,458 Charge-offs — (2,055) (208) — (12) — — — (2,275) Recoveries — 382 — 5 — — 5 1 393 Balance, ending $ 4,637 $ 26,637 $ 9,089 $ 12,632 $ 15,245 $ 11,621 $ 5,270 $ 1,442 $ 86,573 * Included within the C&I – Other column are ACL on leases with a beginning balance of $970 thousand, provision of $69 thousand, charge-offs of $4 thousand and recoveries of $18 thousand. ACL on leases was $1.1 million as of March 31, 2023. Three Months Ended March 31, 2022 CRE CRE Construction 1-4 C&I - C&I - Owner Non-Owner and Land Multi- Family Revolving Other* Occupied Occupied Development Family Real Estate Consumer Total (dollars in thousands) Balance, beginning $ 3,907 $ 25,982 $ 8,501 $ 8,549 $ 16,972 $ 9,339 $ 4,541 $ 930 $ 78,721 Provision (288) (331) (609) (820) (2,301) 997 (387) (110) (3,849) Charge-offs — (449) — — — — — (7) (456) Recoveries — 235 5 128 — — — 2 370 Balance, ending $ 3,619 $ 25,437 $ 7,897 $ 7,857 $ 14,671 $ 10,336 $ 4,154 $ 815 $ 74,786 * Included within the C&I – Other column are ACL on leases with adoption impact of $1.5 million, negative provision of $27 thousand, charge-offs of $114 thousand and recoveries of $60 thousand. ACL on leases was $1.5 million as of March 31, 2022. The composition of the ACL loans/leases by portfolio segment based on evaluation method are as follows: As of March 31, 2023 Amortized Cost of Loans Receivable Allowance for Credit Losses Individually Collectively Individually Collectively Evaluated for Evaluated for Evaluated for Evaluated for Credit Losses Credit Losses Total Credit Losses Credit Losses Total (dollars in thousands) C&I : C&I - revolving $ 3,657 $ 303,955 $ 307,612 $ 998 $ 3,639 $ 4,637 C&I - other* 14,446 1,441,258 1,455,704 1,231 25,406 26,637 18,103 1,745,213 1,763,316 2,229 29,045 31,274 CRE - owner occupied 23,751 593,171 616,922 2,746 6,343 9,089 CRE - non-owner occupied 23,217 959,499 982,716 1,025 11,607 12,632 Construction and land development 10,756 1,197,429 1,208,185 826 14,419 15,245 Multi-family 1,351 968,519 969,870 406 11,215 11,621 1-4 family real estate 3,223 529,268 532,491 326 4,944 5,270 Consumer 693 115,829 116,522 72 1,370 1,442 $ 81,094 $ 6,108,928 $ 6,190,022 $ 7,630 $ 78,943 $ 86,573 * Included within the C&I – Other category are leases individually evaluated of $118 thousand with a related allowance for credit losses of $36 thousand and leases collectively evaluated of $35.3 million with a related allowance for credit losses of $1.0 million. As of December 31, 2022 Amortized Cost of Loans Receivable Allowance for Credit Losses Individually Collectively Individually Collectively Evaluated for Evaluated for Evaluated for Evaluated for Credit Losses Credit Losses Total Credit Losses Credit Losses Total (dollars in thousands) C&I : C&I - revolving $ 3,386 $ 293,483 $ 296,869 $ 961 $ 3,496 $ 4,457 C&I - other* 9,358 1,474,224 1,483,582 1,445 26,308 27,753 12,744 1,767,707 1,780,451 2,406 29,804 32,210 CRE - owner occupied 24,880 604,487 629,367 2,853 7,112 9,965 CRE - non-owner occupied 21,588 941,651 963,239 869 10,880 11,749 Construction and land development 10,394 1,181,667 1,192,061 13 14,249 14,262 Multi-family 1,302 962,501 963,803 395 12,791 13,186 1-4 family real estate 3,177 496,352 499,529 317 4,646 4,963 Consumer 741 109,680 110,421 75 1,296 1,371 $ 74,826 $ 6,064,045 $ 6,138,871 $ 6,928 $ 80,778 $ 87,706 * Included within the C&I – Other category are leases individually evaluated of $135 thousand with a related allowance for credit losses of $24 thousand and leases collectively evaluated of $31.8 million with a related allowance for credit losses of $946 thousand.
Schedule of loans receivable by collateral type	As of March 31, 2023 Non Commercial Owner-occupied Owner-Occupied Owner Occupied Assets CRE Real Estate Real Estate Securities Equipment Other Total (dollars in thousands) C & I: C&I - revolving $ 3,552 $ — $ — $ — $ — $ 105 $ — $ 3,657 C&I - other* 5,738 209 — — 102 7,983 414 14,446 9,290 209 — — 102 8,088 414 18,103 CRE - owner occupied — 23,685 — 66 — — — 23,751 CRE - non-owner occupied — — 23,217 — — — — 23,217 Construction and land development — — 10,756 — — — — 10,756 Multi-family — — 1,351 — — — — 1,351 1-4 family real estate — — 31 3,192 — — — 3,223 Consumer — — 121 562 — — 10 693 $ 9,290 $ 23,894 $ 35,476 $ 3,820 $ 102 $ 8,088 $ 424 $ 81,094 * Included within the C&I – Other category are leases individually evaluated of $118 thousand with primary collateral of equipment. As of December 31, 2022 Non Commercial Owner-occupied Owner-Occupied Owner Occupied Assets CRE Real Estate Real Estate Securities Equipment Other Total (dollars in thousands) C & I: C&I - revolving $ 3,281 $ — $ — $ — $ — $ 105 $ — $ 3,386 C&I - other* 1,589 210 — — 108 7,289 162 9,358 4,870 210 — — 108 7,394 162 12,744 CRE - owner occupied — 24,814 — 66 — — — 24,880 CRE - non-owner occupied — — 21,588 — — — — 21,588 Construction and land development — — 10,394 — — — — 10,394 Multi-family — — 1,302 — — — — 1,302 1-4 family real estate — — 33 3,144 — — — 3,177 Consumer — — 120 608 — — 13 741 $ 4,870 $ 25,024 $ 33,437 $ 3,818 $ 108 $ 7,394 $ 175 $ 74,826 * Included within the C&I – Other category are leases individually evaluated of $135 thousand with primary collateral of equipment.
Schedule of financing receivable credit quality indicators based on internally assigned Risk rating	As of March 31, 2023 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Internally Assigned Amortized Risk Rating 2023 2022 2021 2020 2019 Prior Cost Basis Total (dollars in thousands) C&I - revolving Pass (Ratings 1 through 5) $ — $ — $ — $ — $ — $ — $ 277,135 $ 277,135 Special Mention (Rating 6) — — — — — — 26,820 26,820 Substandard (Rating 7) — — — — — — 3,657 3,657 Doubtful (Rating 8) — — — — — — — — Total C&I - revolving $ — $ — $ — $ — $ — $ — $ 307,612 $ 307,612 C&I - other Pass (Ratings 1 through 5) $ 112,239 $ 399,604 $ 236,117 $ 108,134 $ 83,522 $ 158,843 $ — $ 1,098,459 Special Mention (Rating 6) 11,886 3,603 5,557 3,724 1,033 299 — 26,102 Substandard (Rating 7) — 5,207 252 37 3,776 377 — 9,649 Doubtful (Rating 8) — — — — — — — — Total C&I - other $ 124,125 $ 408,414 $ 241,926 $ 111,895 $ 88,331 $ 159,519 $ — $ 1,134,210 CRE - owner occupied Pass (Ratings 1 through 5) $ 18,359 $ 143,926 $ 177,112 $ 128,136 $ 32,639 $ 71,449 $ 7,552 $ 579,173 Special Mention (Rating 6) 4,268 791 2,735 6,383 479 1,310 24 15,990 Substandard (Rating 7) 513 2,684 — 16,187 1,215 1,160 — 21,759 Doubtful (Rating 8) — — — — — — — — Total CRE - owner occupied $ 23,140 $ 147,401 $ 179,847 $ 150,706 $ 34,333 $ 73,919 $ 7,576 $ 616,922 CRE - non-owner occupied Pass (Ratings 1 through 5) $ 49,906 $ 297,573 $ 221,657 $ 162,545 $ 82,633 $ 93,906 $ 7,969 $ 916,189 Special Mention (Rating 6) 596 5,402 833 17,544 — 18,934 — 43,309 Substandard (Rating 7) 4,065 3,623 — 156 15,216 — 158 23,218 Doubtful (Rating 8) — — — — — — — — Total CRE - non-owner occupied $ 54,567 $ 306,598 $ 222,490 $ 180,245 $ 97,849 $ 112,840 $ 8,127 $ 982,716 Construction and land development Pass (Ratings 1 through 5) $ 48,281 $ 492,375 $ 313,670 $ 232,318 $ 31,275 $ 28,640 $ 25,117 $ 1,171,676 Special Mention (Rating 6) 1,100 — 10,210 — — — — 11,310 Substandard (Rating 7) 98 1,487 9,172 — — — — 10,757 Doubtful (Rating 8) — — — — — — — — Total Construction and land development $ 49,479 $ 493,862 $ 333,052 $ 232,318 $ 31,275 $ 28,640 $ 25,117 $ 1,193,743 Multi-family Pass (Ratings 1 through 5) $ 15,948 $ 237,962 $ 250,949 $ 222,923 $ 135,619 $ 103,474 $ 127 $ 967,002 Special Mention (Rating 6) — — — — 1,517 — — 1,517 Substandard (Rating 7) — — 41 1,310 — — — 1,351 Doubtful (Rating 8) — — — — — — — — Total Multi-family $ 15,948 $ 237,962 $ 250,990 $ 224,233 $ 137,136 $ 103,474 $ 127 $ 969,870 1-4 family real estate Pass (Ratings 1 through 5) $ 37,624 $ 55,100 $ 56,644 $ 31,349 $ 12,218 $ 9,792 $ 5,380 $ 208,107 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) — 27 — — 4 — — 31 Doubtful (Rating 8) — — — — — — — — Total 1-4 family real estate $ 37,624 $ 55,127 $ 56,644 $ 31,349 $ 12,222 $ 9,792 $ 5,380 $ 208,138 Consumer Pass (Ratings 1 through 5) $ 97 $ 499 $ 743 $ 711 $ 33 $ 831 $ 9,406 $ 12,320 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) 45 282 — 11 — 106 — 444 Doubtful (Rating 8) — — — — — — — — Total Consumer $ 142 $ 781 $ 743 $ 722 $ 33 $ 937 $ 9,406 $ 12,764 Total $ 305,025 $ 1,650,145 $ 1,285,692 $ 931,468 $ 401,179 $ 489,121 $ 363,345 $ 5,425,975 As of December 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Internally Assigned Amortized Risk Rating 2022 2021 2020 2019 2018 Prior Cost Basis Total (dollars in thousands) C&I - revolving Pass (Ratings 1 through 5) $ — $ — $ — $ — $ — $ — $ 275,888 $ 275,888 Special Mention (Rating 6) — — — — — — 17,595 17,595 Substandard (Rating 7) — — — — — — 3,386 3,386 Doubtful (Rating 8) — — — — — — — — Total C&I - revolving $ — $ — $ — $ — $ — $ — $ 296,869 $ 296,869 C&I - other Pass (Ratings 1 through 5) $ 496,445 $ 279,412 $ 127,803 $ 87,054 $ 59,675 $ 105,184 $ — $ 1,155,573 Special Mention (Rating 6) 9,542 679 901 723 — 308 — 12,153 Substandard (Rating 7) 187 125 661 4,535 310 106 — 5,924 Doubtful (Rating 8) — — — — — — — — Total C&I - other $ 506,174 $ 280,216 $ 129,365 $ 92,312 $ 59,985 $ 105,598 $ — $ 1,173,650 CRE - owner occupied Pass (Ratings 1 through 5) $ 146,211 $ 182,440 $ 142,596 $ 33,571 $ 27,088 $ 45,993 $ 13,460 $ 591,359 Special Mention (Rating 6) 6,190 — 6,379 484 — 1,346 269 14,668 Substandard (Rating 7) 3,750 171 16,336 1,396 1,197 490 — 23,340 Doubtful (Rating 8) — — — — — — — — Total CRE - owner occupied $ 156,151 $ 182,611 $ 165,311 $ 35,451 $ 28,285 $ 47,829 $ 13,729 $ 629,367 CRE - non-owner occupied Pass (Ratings 1 through 5) $ 310,163 $ 221,953 $ 173,478 $ 89,337 $ 56,898 $ 40,923 $ 7,510 $ 900,262 Special Mention (Rating 6) 2,824 882 18,920 — 12,917 6,198 — 41,741 Substandard (Rating 7) 5,651 — 157 15,217 — — 211 21,236 Doubtful (Rating 8) — — — — — — — — Total CRE - non-owner occupied $ 318,638 $ 222,835 $ 192,555 $ 104,554 $ 69,815 $ 47,121 $ 7,721 $ 963,239 Construction and land development Pass (Ratings 1 through 5) $ 479,016 $ 330,434 $ 240,778 $ 31,607 $ 30,300 $ — $ 29,647 $ 1,141,782 Special Mention (Rating 6) 1,465 9,200 — — — — — 10,665 Substandard (Rating 7) 132 10,262 — — — — — 10,394 Doubtful (Rating 8) — — — — — — — — Total Construction and land development $ 480,613 $ 349,896 $ 240,778 $ 31,607 $ 30,300 $ — $ 29,647 $ 1,162,841 Multi-family Pass (Ratings 1 through 5) $ 237,839 $ 254,056 $ 224,920 $ 134,378 $ 99,695 $ 7,875 $ 2,227 $ 960,990 Special Mention (Rating 6) — 44 — 1,467 — — — 1,511 Substandard (Rating 7) — — 1,302 — — — — 1,302 Doubtful (Rating 8) — — — — — — — — Total Multi-family $ 237,839 $ 254,100 $ 226,222 $ 135,845 $ 99,695 $ 7,875 $ 2,227 $ 963,803 1-4 family real estate Pass (Ratings 1 through 5) $ 61,953 $ 57,731 $ 33,737 $ 12,687 $ 5,813 $ 6,002 $ 5,855 $ 183,778 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) 28 — — 5 — — — 33 Doubtful (Rating 8) — — — — — — — — Total 1-4 family real estate $ 61,981 $ 57,731 $ 33,737 $ 12,692 $ 5,813 $ 6,002 $ 5,855 $ 183,811 Consumer Pass (Ratings 1 through 5) $ 511 $ 801 $ 493 $ 122 $ 254 $ 621 $ 10,226 $ 13,028 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) 282 — 12 — 112 — — 406 Doubtful (Rating 8) — — — — — — — — Total Consumer $ 793 $ 801 $ 505 $ 122 $ 366 $ 621 $ 10,226 $ 13,434 Total $ 1,762,189 $ 1,348,190 $ 988,473 $ 412,583 $ 294,259 $ 215,046 $ 366,274 $ 5,387,014 As of December 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Delinquency Status * 2022 2021 2020 2019 2018 Prior Cost Basis Total (dollars in thousands) C&I - other Performing $ 170,180 $ 69,694 $ 25,540 $ 8,066 $ 1,804 $ 79 $ — $ 275,363 Nonperforming 1,110 1,320 155 95 — — — 2,680 Total C&I - other $ 171,290 $ 71,014 $ 25,695 $ 8,161 $ 1,804 $ 79 $ — $ 278,043 Direct financing leases Performing $ 28,785 $ 360 $ 10 $ 3 $ 62 $ — $ — $ 29,220 Nonperforming — — — — — — — — Total Direct financing leases $ 28,785 $ 360 $ 10 $ 3 $ 62 $ — $ — $ 29,220 Construction and land development Performing $ 14,578 $ 5,172 $ 5,700 $ 4,398 $ 1,536 $ 370 $ — $ 31,754 Nonperforming — 32 88 7 8 — — 135 Total Construction and land development $ 14,578 $ 5,204 $ 5,788 $ 4,405 $ 1,544 $ 370 $ — $ 31,889 1-4 family real estate Performing $ 69,094 $ 92,762 $ 75,153 $ 17,089 $ 11,381 $ 48,136 $ 90 $ 313,705 Nonperforming 267 524 487 279 8 448 — 2,013 Total 1-4 family real estate $ 69,361 $ 93,286 $ 75,640 $ 17,368 $ 11,389 $ 48,584 $ 90 $ 315,718 Consumer Performing $ 14,685 $ 3,844 $ 3,717 $ 1,123 $ 1,140 $ 1,325 $ 70,974 $ 96,808 Nonperforming 7 — — — 3 59 110 179 Total Consumer $ 14,692 $ 3,844 $ 3,717 $ 1,123 $ 1,143 $ 1,384 $ 71,084 $ 96,987 Total $ 298,706 $ 173,708 $ 110,850 $ 31,060 $ 15,942 $ 50,417 $ 71,174 $ 751,857
Schedule of financing receivable credit quality indicators based on delinquency status	As of March 31, 2023 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Delinquency Status * 2023 2022 2021 2020 2019 Prior Cost Basis Total (dollars in thousands) C&I - other Performing $ 43,765 $ 145,880 $ 62,307 $ 22,270 $ 6,566 $ 1,176 $ — $ 281,964 Nonperforming — 2,666 1,390 64 37 — — 4,157 Total C&I - other $ 43,765 $ 148,546 $ 63,697 $ 22,334 $ 6,603 $ 1,176 $ — $ 286,121 Construction and land development Performing $ 3,059 $ 10,978 $ 331 $ 10 $ 3 $ 61 $ — $ 14,442 Nonperforming — — — — — — — — Total Construction and land development $ 3,059 $ 10,978 $ 331 $ 10 $ 3 $ 61 $ — $ 14,442 Direct financing leases Performing $ 5,256 $ 15,409 $ 4,710 $ 4,926 $ 3,753 $ 1,201 $ — $ 35,255 Nonperforming — — 28 22 14 54 — 118 Total Direct financing leases $ 5,256 $ 15,409 $ 4,738 $ 4,948 $ 3,767 $ 1,255 $ — $ 35,373 1-4 family real estate Performing $ 23,843 $ 61,010 $ 90,018 $ 74,002 $ 16,392 $ 56,749 $ 83 $ 322,097 Nonperforming — 133 512 479 460 672 — 2,256 Total 1-4 family real estate $ 23,843 $ 61,143 $ 90,530 $ 74,481 $ 16,852 $ 57,421 $ 83 $ 324,353 Consumer Performing $ 6,041 $ 12,171 $ 3,329 $ 3,340 $ 945 $ 2,379 $ 75,460 $ 103,665 Nonperforming — 7 — — — 41 45 93 Total Consumer $ 6,041 $ 12,178 $ 3,329 $ 3,340 $ 945 $ 2,420 $ 75,505 $ 103,758 Total $ 81,964 $ 248,254 $ 162,625 $ 105,113 $ 28,170 $ 62,333 $ 75,588 $ 764,047 * Performing = loans/leases accruing and less than 90 days past due. Nonperforming = loans/leases on nonaccrual and accruing loans/leases that are greater than or equal to 90 days past due.
Schedule of Gross Charge Offs of loans and Leases by Class of Receivable and Year of Origination	As of March 31, 2023 Gross Charge-off by Origination Year Classes of Loans/Leases 2023 2022 2021 2020 2019 Prior Total (dollars in thousands) C&I: C&I - revolving $ — $ — $ — $ — $ — $ — $ — C&I - other — 740 281 794 201 35 2,051 CRE - owner occupied — — 208 — — — 208 CRE - non-owner occupied — — — — — — — Construction and land development — 12 — — — — 12 Multi-family — — — — — — — Direct financing leases — — — — 3 1 4 1-4 family real estate — — — — — — — Consumer — — — — — — — $ — $ 752 $ 489 $ 794 $ 204 $ 36 $ 2,275
Unfunded Loan Commitment
Notes Tables
Financing receivable credit quality indicators	Three Months Ended March 31, 2023 March 31, 2022 (dollars in thousands) Balance, beginning $ 5,552 $ 6,886 Provisions (credited) to expense 481 933 Balance, ending $ 6,033 $ 7,819

Note 4 - DERIVATIVES AND HEDG_2

Note 4 - DERIVATIVES AND HEDGING ACTIVITIES (Tables)	3 Months Ended
Note 4 - DERIVATIVES AND HEDGING ACTIVITIES (Tables)	Mar. 31, 2023
Notes Tables
Summary of derivatives	March 31, 2023 December 31, 2022 (dollars in thousands) Assets: Interest rate caps - hedged $ 6,714 $ 8,327 Interest rate caps 1,786 2,213 Interest rate swaps - hedged 1,484 477 Interest rate swaps 120,366 166,614 $ 130,350 $ 177,631 Liabilities: Interest rate collars - hedged $ (57) $ (263) Interest rate swaps - hedged (29,978) (33,824) Interest rate swaps (120,366) (166,614) $ (150,401) $ (200,701)
Schedule of hedged interest rate swaps and non-hedged interest rate swaps are collateralized by investment securities with carrying values	March 31, 2023 December 31, 2022 (dollars in thousands) Cash $ 1,661 $ 1,272 Municipal securities 3,954 8,227 Residential mortgage-backed and related securities 5,987 29,257 $ 11,602 $ 38,756
Summary of impact of AOCI	Three Months Ended March 31, 2023 Three Months Ended March 31, 2022 Interest and Interest Interest and Interest Dividend Income Expense Dividend Income Expense (dollars in thousands) Income and expense line items presented in the consolidated statements of income $ 94,217 $ 37,407 $ 51,062 $ 5,329 The effects of cash flow hedging: Gain (loss) on cash flow hedges: Interest rate caps on deposits - (1,581) - 221 Interest rate swaps and collars on variable rate loans (2,055) - 471 - Interest rate swaps on junior subordinated debentures - (227) - 267
Interest rate cap
Notes Tables
Schedule of interest rate caps	Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Strike Rate March 31, 2023 December 31, 2022 (dollars in thousands) Deposits 1/1/2020 1/1/2023 Derivatives - Assets $ 25,000 1.75 % $ - $ (50) Deposits 1/1/2020 1/1/2024 Derivatives - Assets 25,000 1.75 % 515 714 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 50,000 1.57 % 1,191 1,566 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 25,000 1.80 % 596 783 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 25,000 1.75 % 1,032 1,264 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 50,000 1.57 % 2,253 2,700 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 25,000 1.80 % 1,127 1,350 $ 225,000 $ 6,714 $ 8,327
Changes in the fair value of the underlying derivative contracts	Balance Sheet Fair Value as of Effective Date Maturity Date Location Notional Amount Strike Rate March 31, 2023 December 31, 2022 (dollars in thousands) 1/1/2020 1/3/2023 Derivatives - Assets $ 25,000 1.90 % $ - $ 3 2/1/2020 2/1/2024 Derivatives - Assets 25,000 1.90 % 635 822 3/1/2020 3/3/2025 Derivatives - Assets 25,000 1.90 % 1,151 1,388 $ 75,000 $ 1,786 $ 2,213
Interest rate swap
Notes Tables
Schedule of interest rate caps	Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate March 31, 2023 December 31, 2022 (dollars in thousands) Loans 7/1/2021 7/1/2031 Derivatives - Liabilities $ 35,000 1.40 % 4.86 % $ (4,809) $ (5,646) Loans 7/1/2021 7/1/2031 Derivatives - Liabilities 50,000 1.40 % 4.86 % (6,871) (8,066) Loans 7/1/2021 7/1/2031 Derivatives - Liabilities 40,000 1.40 % 4.86 % (5,508) (6,464) Loans 10/1/2022 7/1/2031 Derivatives - Liabilities 25,000 1.30 % 4.87 % (3,403) (4,018) Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 15,000 1.91 % 4.86 % (939) (1,144) Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 50,000 1.91 % 4.86 % (3,129) (3,812) Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 35,000 1.91 % 4.86 % (2,190) (2,669) Loans 4/1/2022 4/1/2027 Derivatives - Liabilities 50,000 1.91 % 4.86 % (3,129) (3,812) $ 300,000 $ (29,978) $ (35,631) Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate March 31, 2023 December 31, 2022 (dollars in thousands) QCR Holdings Statutory Trust II 9/30/2018 9/30/2028 Derivatives - Assets $ 10,000 7.60 % 5.85 % $ 279 $ 464 QCR Holdings Statutory Trust III 9/30/2018 9/30/2028 Derivatives - Assets 8,000 7.60 % 5.85 % 223 372 QCR Holdings Statutory Trust V 7/7/2018 7/7/2028 Derivatives - Assets 10,000 6.38 % 4.54 % 279 459 Community National Statutory Trust II 9/20/2018 9/20/2028 Derivatives - Assets 3,000 7.13 % 5.17 % 83 140 Community National Statutory Trust III 9/15//2018 9/15/2028 Derivatives - Assets 3,500 6.62 % 4.75 % 96 163 Guaranty Bankshares Statutory Trust I 9/15/2018 9/15/2028 Derivatives - Assets 4,500 6.62 % 4.75 % 124 209 Guaranty Statutory Trust II* 5/23/2019 2/23/2026 Derivatives - Assets 10,310 6.37 % 4.09 % 400 477 $ 49,310 $ 1,484 $ 2,284 *Acquired on 4/1/2022 with GFED acquisition.
Changes in the fair value of the underlying derivative contracts	March 31, 2023 December 31, 2022 Notional Amount Estimated Fair Value Notional Amount Estimated Fair Value (dollars in thousands) Non-Hedging Interest Rate Derivatives Assets: Interest rate swap contracts $ 2,855,239 $ 120,366 $ 2,528,949 $ 166,614 Non-Hedging Interest Rate Derivatives Liabilities: Interest rate swap contracts $ 2,855,239 $ 120,366 $ 2,528,949 $ 166,614
Interest rate collar
Notes Tables
Schedule of interest rate caps	Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Cap Strike Rate Floor Strike Rate March 31, 2023 December 31, 2022 Loans 10/1/2022 10/1/2026 Derivatives - Liabilities $ 50,000 4.40 % 2.44 % $ (57) $ (263)

Note 5 - INCOME TAXES (Tables)

Note 5 - INCOME TAXES (Tables)	3 Months Ended
Note 5 - INCOME TAXES (Tables)	Mar. 31, 2023
Notes Tables
Reconciliation of the expected federal income tax expense	For the Three Months Ended March 31, 2023 2022 % of % of Pretax Pretax Amount Income Amount Income (dollars in thousands) Computed "expected" tax expense $ 6,287 21.0 % $ 5,451 21.0 % Tax exempt income, net (3,216) (10.7) (2,222) (8.6) Bank-owned life insurance (148) (0.5) (73) (0.3) State income taxes, net of federal benefit, current year 1,189 4.0 1,291 5.0 Provision adjustment from accounting method change — — (1,181) (4.5) Tax credits (177) (0.6) (242) (0.9) Income from tax credit equity investments (413) (1.4) (301) (1.2) Acquisition costs — — 130 0.5 Excess tax benefit on stock options exercised and restricted stock awards vested (398) (1.3) (434) (1.7) Other (342) (1.2) (86) (0.3) Federal and state income tax expense $ 2,782 9.3 % $ 2,333 9.0 %

Note 6 - EARNINGS PER SHARE (Ta

Note 6 - EARNINGS PER SHARE (Tables)	3 Months Ended
Note 6 - EARNINGS PER SHARE (Tables)	Mar. 31, 2023
EARNINGS PER SHARE
Schedule of computation of earnings per share on a basic and diluted basis	Three months ended March 31, 2023 2022 (dollars in thousands, except share data) Net income $ 27,157 $ 23,624 Basic EPS $ 1.62 $ 1.51 Diluted EPS $ 1.60 $ 1.49 Weighted average common shares outstanding 16,776,289 15,625,112 Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan* 165,843 227,144 Weighted average common and common equivalent shares outstanding 16,942,132 15,852,256

Note 7 - FAIR VALUE (Tables)

Note 7 - FAIR VALUE (Tables)	3 Months Ended
Note 7 - FAIR VALUE (Tables)	Mar. 31, 2023
Notes Tables
Schedule of assets measured at fair value	Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (dollars in thousands) March 31, 2023: Securities AFS: U.S. treasuries and govt. sponsored agency securities $ 19,320 $ — $ 19,320 $ — Residential mortgage-backed and related securities 63,104 — 63,104 — Municipal securities 170,590 — 170,590 — Asset-backed securities 17,967 — 17,967 — Other securities 44,496 — 44,496 — Derivatives 130,350 — 130,350 — Total assets measured at fair value $ 445,827 $ — $ 445,827 $ — Derivatives $ 150,401 $ — $ 150,401 $ — Total liabilities measured at fair value $ 150,401 $ — $ 150,401 $ — December 31, 2022: Securities AFS: U.S. govt. sponsored agency securities $ 16,981 $ — $ 16,981 $ — Residential mortgage-backed and related securities 66,215 — 66,215 — Municipal securities 193,178 — 193,178 — Asset-backed securities 18,728 — 18,728 — Other securities 45,858 — 45,858 — Derivatives 177,631 — 177,631 — Total assets measured at fair value $ 518,591 $ — $ 518,591 $ — Derivatives $ 200,701 $ — $ 200,701 $ — Total liabilities measured at fair value $ 200,701 $ — $ 200,701 $ — Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value Level 1 Level 2 Level 3 (dollars in thousands) March 31, 2023: Loans/leases evaluated individually $ 42,354 $ — $ — $ 42,354 Loans receivable held for sale 139,224 — — 139,224 OREO 66 — — 66 $ 181,644 $ — $ — $ 181,644 December 31, 2022: Loans/leases evaluated individually $ 30,765 $ — $ — $ 30,765 OREO 144 — — 144 $ 30,909 $ — $ — $ 30,909
Schedule of assets measured at fair value, valuation techniques	Quantitative Information about Level Fair Value Measurements Fair Value Fair Value March 31, December 31, 2023 2022 Valuation Technique Unobservable Input Range (dollars in thousands) Loans/leases evaluated individually $ 42,354 $ 30,765 Appraisal of collateral Appraisal adjustments -10.00 % to -30.00 % Loans receivable held for sale 139,224 — Market prices for similar loans Market price adjustments n/a OREO 66 144 Appraisal of collateral Appraisal adjustments 0.00 % to -35.00 %
Schedule of assets and liabilities measured at fair value	Fair Value As of March 31, 2023 As of December 31, 2022 Hierarchy Carrying Estimated Carrying Estimated Level Value Fair Value Value Fair Value (dollars in thousands) Cash and due from banks Level 1 $ 64,295 $ 64,295 $ 59,723 $ 59,723 Federal funds sold Level 2 16,365 16,365 56,910 56,910 Interest-bearing deposits at financial institutions Level 2 237,632 237,632 67,360 67,360 Investment securities: HTM Level 2 561,969 528,966 587,142 535,636 AFS Level 2 315,477 315,477 340,960 340,960 Loans/leases receivable, net Level 3 178,441 181,578 28,486 30,765 Loans/leases receivable, net Level 2 5,925,008 5,749,501 6,022,679 5,896,443 Derivatives Level 2 130,350 130,350 177,631 177,631 Deposits: Nonmaturity deposits Level 2 5,288,242 5,288,242 5,199,633 5,199,633 Time deposits Level 2 1,213,421 1,201,496 784,584 766,294 Short-term borrowings Level 2 1,100 1,100 129,630 129,630 FHLB advances Level 2 135,000 138,588 415,000 415,000 Subordinated notes Level 2 232,746 249,647 232,662 250,613 Junior subordinated debentures Level 2 48,634 40,368 48,602 41,545 Derivatives Level 2 150,401 150,401 200,701 200,701

Note 8 - BUSINESS SEGMENT INF_2

Note 8 - BUSINESS SEGMENT INFORMATION (Tables)	3 Months Ended
Note 8 - BUSINESS SEGMENT INFORMATION (Tables)	Mar. 31, 2023
Notes Tables
Schedule of business segment information	Commercial Banking Intercompany Consolidated QCBT CRBT CSB GB* All other Eliminations Total (dollars in thousands) Three Months Ended March 31, 2023 Total revenue $ 33,124 $ 43,123 $ 16,568 $ 27,621 $ 34,669 $ (35,046) $ 120,059 Net interest income 16,988 17,179 10,890 15,372 (3,963) 344 56,810 Provision for loan/lease losses 1,573 1,516 492 347 — — 3,928 Net income (loss) from continuing operations 7,038 16,400 4,760 5,387 27,680 (34,108) 27,157 Goodwill 3,223 14,980 9,888 110,383 — — 138,474 Intangibles — 1,108 1,878 13,007 — — 15,993 Total assets 2,548,473 2,196,560 1,286,227 2,147,776 1,116,694 (1,258,826) 8,036,904 Three Months Ended March 31, 2022 Total revenue $ 22,480 $ 25,211 $ 11,316 $ 7,844 $ 28,912 $ (29,068) $ 66,695 Net interest income 17,314 14,323 9,331 6,528 (2,109) 346 45,733 Provision for loan/lease losses (1,259) (770) (385) (502) — — (2,916) Net income (loss) from continuing operations 9,970 11,129 4,126 3,104 23,827 (28,532) 23,624 Goodwill 3,223 14,980 9,888 45,975 — — 74,066 Intangibles — 1,583 2,497 4,776 — — 8,856 Total assets 2,195,894 1,947,737 1,184,708 956,345 839,362 (948,227) 6,175,819 * On April 1, 2022, the Company acquired GFED and merged its subsidiary bank, Guaranty Bank, into Springfield First Community Bank with the combined bank operating under the Guaranty Bank name.

Note 9 - REGULATORY CAPITAL R_2

Note 9 - REGULATORY CAPITAL REQUIREMENTS (Tables)	3 Months Ended
Note 9 - REGULATORY CAPITAL REQUIREMENTS (Tables)	Mar. 31, 2023
Notes Tables
Schedule of the company and the subsidiary banks actual capital amounts and ratios	For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio ( dollars in thousands) As of March 31, 2023: Company: Total risk-based capital $ 1,078,343 14.68 % $ 587,728 > 8.00 % $ 771,392 > 10.50 % $ 734,659 > 10.00 % Tier 1 risk-based capital 754,221 10.27 440,796 > 6.00 624,460 > 8.50 587,728 > 8.00 Tier 1 leverage 754,221 9.73 310,214 > 4.00 310,214 > 4.00 387,768 > 5.00 Common equity Tier 1 705,587 9.60 330,597 > 4.50 514,262 > 7.00 477,529 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 282,911 13.15 % $ 172,050 > 8.00 % $ 225,816 > 10.50 % $ 215,063 > 10.00 % Tier 1 risk-based capital 256,016 11.90 129,038 > 6.00 182,804 > 8.50 172,050 > 8.00 Tier 1 leverage 256,016 11.06 92,599 > 4.00 92,599 > 4.00 115,748 > 5.00 Common equity Tier 1 256,016 11.90 96,778 > 4.50 150,544 > 7.00 139,791 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 323,605 16.24 % $ 159,422 > 8.00 % $ 209,241 > 10.50 % $ 199,277 > 10.00 % Tier 1 risk-based capital 298,757 14.99 119,566 > 6.00 169,386 > 8.50 159,422 > 8.00 Tier 1 leverage 298,757 13.95 85,658 > 4.00 85,658 > 4.00 107,073 > 5.00 Common equity Tier 1 298,757 14.99 89,675 > 4.50 139,494 > 7.00 129,530 > 6.50 Community State Bank: Total risk-based capital $ 147,754 12.53 % $ 94,349 > 8.00 % $ 123,833 > 10.50 % $ 117,936 > 10.00 % Tier 1 risk-based capital 133,007 11.28 70,762 > 6.00 100,246 > 8.50 94,349 > 8.00 Tier 1 leverage 133,007 10.45 50,899 > 4.00 50,899 > 4.00 63,624 > 5.00 Common equity Tier 1 133,007 11.28 53,071 > 4.50 82,555 > 7.00 76,659 > 6.50 Guaranty Bank: Total risk-based capital $ 246,979 12.41 % $ 159,267 > 8.00 % $ 209,038 > 10.50 % $ 199,084 > 10.00 % Tier 1 risk-based capital 223,668 11.23 119,450 > 6.00 169,221 > 8.50 159,267 > 8.00 Tier 1 leverage 223,668 11.02 81,171 > 4.00 81,171 > 4.00 101,464 > 5.00 Common equity Tier 1 223,668 11.23 89,588 > 4.50 139,359 > 7.00 129,404 > 6.50 For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio ( dollars in thousands) As of December 31, 2022: Company: Total risk-based capital $ 1,055,177 14.28 % $ 591,132 > 8.00 % $ 775,861 > 10.50 % $ 738,915 > 10.00 % Tier 1 risk-based capital 734,977 9.95 443,349 > 6.00 628,078 > 8.50 591,132 > 8.00 Tier 1 leverage 734,977 9.61 305,959 > 4.00 305,959 > 4.00 382,449 > 5.00 Common equity Tier 1 686,375 9.29 332,512 > 4.50 517,241 > 7.00 480,295 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 275,337 13.07 % $ 168,588 > 8.00 % $ 221,272 > 10.50 % $ 210,735 > 10.00 % Tier 1 risk-based capital 248,978 11.81 126,441 > 6.00 179,125 > 8.50 168,588 > 8.00 Tier 1 leverage 248,978 11.01 90,419 > 4.00 90,419 > 4.00 133,023 > 5.00 Common equity Tier 1 248,978 11.81 94,831 > 4.50 147,514 > 7.00 136,978 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 308,153 14.84 % $ 166,168 > 8.00 % $ 218,096 > 10.50 % $ 207,711 > 10.00 % Tier 1 risk-based capital 282,258 13.59 124,626 > 6.00 176,554 > 8.50 166,168 > 8.00 Tier 1 leverage 282,258 13.17 85,707 > 4.00 85,707 > 4.00 107,134 > 5.00 Common equity Tier 1 282,258 13.59 93,470 > 4.50 145,397 > 7.00 135,012 > 6.50 Community State Bank: Total risk-based capital $ 142,974 12.04 % $ 94,981 > 8.00 % $ 124,662 > 10.50 % $ 118,726 > 10.00 % Tier 1 risk-based capital 128,130 10.79 71,236 > 6.00 100,917 > 8.50 94,981 > 8.00 Tier 1 leverage 128,130 10.09 50,799 > 4.00 50,799 > 4.00 63,499 > 5.00 Common equity Tier 1 128,130 10.79 53,427 > 4.50 83,108 > 7.00 77,172 > 6.50 Guaranty Bank: Total risk-based capital $ 243,106 12.24 % $ 158,903 > 8.00 % $ 208,560 > 10.50 % $ 198,629 > 10.00 % Tier 1 risk-based capital 218,647 11.01 119,177 > 6.00 168,834 > 8.50 158,903 > 8.00 Tier 1 leverage 218,647 10.90 80,229 > 4.00 80,229 > 4.00 100,286 > 5.00 Common equity Tier 1 218,647 11.01 89,383 > 4.50 139,040 > 7.00 129,109 > 6.50

Note 1 - SUMMARY OF SIGNIFICA_3

Note 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) $ in Millions	Mar. 31, 2023 USD ($) subsidiary	Dec. 31, 2022 USD ($)
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Accrued interest on loans \| $	$ 27.2	$ 24.3
Number of subsidiaries commercial banks \| subsidiary	4

Note 2 - INVESTMENT SECURITIE_2

Note 2 - INVESTMENT SECURITIES (Details) $ in Thousands	3 Months Ended
Note 2 - INVESTMENT SECURITIES (Details) $ in Thousands	Mar. 31, 2023 USD ($) item issuer state security	Mar. 31, 2022 USD ($)	Dec. 31, 2022 USD ($) issuer state
Number of securities \| security	646
Available-for-sale, unrealized loss positions, qualitative disclosure, number of positions \| item	524
Aggregate losses of securities (as a percent)	10.20%
Available-for-sale, unrealized loss positions, qualitative disclosure, number of positions, greater than or equal to one year \| item	276
Gain on sale	$ 44
Number Of Charters Owning Municipal Securities \| item	4
Debt Securities, Available-for-Sale, Allowance for Credit Loss	$ 989
Provision for credit losses	$ 3,928	$ (2,916)
Revenue Bonds
Number of issuers \| issuer	2		2
Percentage threshold	5%		5%
Municipal securities \| General Obligation Bonds
Number of issuers \| issuer	85		118
Other investments	$ 91,800		$ 110,600
Number of states holding investments \| state	18		22
Municipal securities \| General Obligation Bonds \| Minimum
Other investments	$ 5,000		$ 5,000
Municipal securities \| General Obligation Bonds \| Aggregate Fair Value Exceeding 5 Million
Number of states holding investments \| state	7		7
Municipal securities \| Revenue Bonds
Number of issuers \| issuer	169		181
Other investments	$ 606,700		$ 617,200
Number of states holding investments \| state	29		29
Municipal securities \| Revenue Bonds \| Minimum
Other investments	$ 5,000		$ 5,000
Municipal securities \| Revenue Bonds \| Aggregate Fair Value Exceeding 5 Million
Number of states holding investments \| state	12		12

Note 2 - INVESTMENT SECURITIE_3

Note 2 - INVESTMENT SECURITIES - Amortized Cost and Fair Value of Investment Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Securities HTM:
Securities HTM, Amortized cost	$ 562,149	$ 587,322
Securities HTM, Allowance for Credit (Losses)	(180)	(180)
Securities HTM, Gross Unrealized Gains	10,578	5,292
Securities HTM, Gross Unrealized (Losses)	(43,581)	(56,798)
Securities HTM, Fair Value	528,966	535,636
Securities held to maturity, at amortized cost, net of allowance for credit losses	561,969	587,142
Securities AFS:
Securities AFS, Amortized Cost	367,636	400,511
Securities AFS, Allowance for Credit (Losses)	(989)
Securities AFS, Gross Unrealized Gains	79	160
Securities AFS, Gross Unrealized (Losses)	(51,249)	(59,711)
Securities AFS, Fair Value	315,477	340,960
U.S. treasuries and govt. sponsored agency securities
Securities AFS:
Securities AFS, Amortized Cost	21,697	19,745
Securities AFS, Gross Unrealized Gains	16	19
Securities AFS, Gross Unrealized (Losses)	(2,393)	(2,783)
Securities AFS, Fair Value	19,320	16,981
Residential mortgage-backed and related securities
Securities AFS:
Securities AFS, Amortized Cost	69,415	73,438
Securities AFS, Gross Unrealized (Losses)	(6,311)	(7,223)
Securities AFS, Fair Value	63,104	66,215
Municipal securities.
Securities HTM:
Securities HTM, Amortized cost	561,099	586,272
Securities HTM, Allowance for Credit (Losses)	(180)	(180)	$ (198)	$ (198)
Securities HTM, Gross Unrealized Gains	10,578	5,292
Securities HTM, Gross Unrealized (Losses)	(43,563)	(56,798)
Securities HTM, Fair Value	527,934	534,586
Securities AFS:
Securities AFS, Amortized Cost	209,875	239,812
Securities AFS, Gross Unrealized Gains	9	66
Securities AFS, Gross Unrealized (Losses)	(39,294)	(46,700)
Securities AFS, Fair Value	170,590	193,178
Asset-backed securities
Securities AFS:
Securities AFS, Amortized Cost	18,087	18,885
Securities AFS, Gross Unrealized Gains	47	48
Securities AFS, Gross Unrealized (Losses)	(167)	(205)
Securities AFS, Fair Value	17,967	18,728
Other securities
Securities HTM:
Securities HTM, Amortized cost	1,050	1,050
Securities HTM, Gross Unrealized (Losses)	(18)
Securities HTM, Fair Value	1,032	1,050
Securities AFS:
Securities AFS, Amortized Cost	48,562	48,631
Securities AFS, Allowance for Credit (Losses)	(989)
Securities AFS, Gross Unrealized Gains	7	27
Securities AFS, Gross Unrealized (Losses)	(3,084)	(2,800)
Securities AFS, Fair Value	$ 44,496	$ 45,858

Note 2 - INVESTMENT SECURITIE_4

Note 2 - INVESTMENT SECURITIES - Securities in a Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Securities HTM:
Securities HTM, Less than 12 Months, Fair Value	$ 276,982
Securities HTM, Less than 12 Months, Gross Unrealized Losses	(33,277)
Securities HTM, 12 Months or More, Fair Value	70,015
Securities HTM, 12 Months or More, Gross Unrealized Losses	(10,304)
Securities HTM, Total, Fair Value	346,997
Securities HTM, Total, Gross Unrealized Losses	(43,581)
Securities AFS:
Securities AFS, Less than 12 Months, Fair Value	92,506	$ 280,669
Securities AFS, Less than 12 Months, Gross Unrealized Losses	(5,775)	(48,923)
Securities AFS, 12 Months or More, Fair Value	207,705	42,212
Securities AFS, 12 Months or More, Gross Unrealized Losses	(45,474)	(10,788)
Securities AFS, Total, Fair Value	300,211	322,881
Securities AFS, Total, Gross Unrealized Losses	(51,249)	(59,711)
Municipal securities.
Securities HTM:
Securities HTM, Less than 12 Months, Fair Value	275,950	347,651
Securities HTM, Less than 12 Months, Gross Unrealized Losses	(33,259)	(56,798)
Securities HTM, 12 Months or More, Fair Value	70,015
Securities HTM, 12 Months or More, Gross Unrealized Losses	(10,304)
Securities HTM, Total, Fair Value	345,965	347,651
Securities HTM, Total, Gross Unrealized Losses	(43,563)	(56,798)
Securities AFS:
Securities AFS, Less than 12 Months, Fair Value	43,572	178,172
Securities AFS, Less than 12 Months, Gross Unrealized Losses	(3,340)	(42,661)
Securities AFS, 12 Months or More, Fair Value	124,603	9,809
Securities AFS, 12 Months or More, Gross Unrealized Losses	(35,954)	(4,039)
Securities AFS, Total, Fair Value	168,175	187,981
Securities AFS, Total, Gross Unrealized Losses	(39,294)	(46,700)
U.S. treasuries and govt. sponsored agency securities
Securities AFS:
Securities AFS, Less than 12 Months, Fair Value	2,212	5,138
Securities AFS, Less than 12 Months, Gross Unrealized Losses	(4)	(326)
Securities AFS, 12 Months or More, Fair Value	14,401	10,591
Securities AFS, 12 Months or More, Gross Unrealized Losses	(2,389)	(2,457)
Securities AFS, Total, Fair Value	16,613	15,729
Securities AFS, Total, Gross Unrealized Losses	(2,393)	(2,783)
Residential mortgage-backed and related securities
Securities AFS:
Securities AFS, Less than 12 Months, Fair Value	17,277	48,469
Securities AFS, Less than 12 Months, Gross Unrealized Losses	(814)	(3,327)
Securities AFS, 12 Months or More, Fair Value	45,807	17,690
Securities AFS, 12 Months or More, Gross Unrealized Losses	(5,497)	(3,896)
Securities AFS, Total, Fair Value	63,084	66,159
Securities AFS, Total, Gross Unrealized Losses	(6,311)	(7,223)
Asset-backed securities
Securities AFS:
Securities AFS, Less than 12 Months, Fair Value	3,303	13,684
Securities AFS, Less than 12 Months, Gross Unrealized Losses	(5)	(205)
Securities AFS, 12 Months or More, Fair Value	10,781
Securities AFS, 12 Months or More, Gross Unrealized Losses	(162)
Securities AFS, Total, Fair Value	14,084	13,684
Securities AFS, Total, Gross Unrealized Losses	(167)	(205)
Other securities
Securities HTM:
Securities HTM, Less than 12 Months, Fair Value	1,032
Securities HTM, Less than 12 Months, Gross Unrealized Losses	(18)
Securities HTM, Total, Fair Value	1,032
Securities HTM, Total, Gross Unrealized Losses	(18)
Securities AFS:
Securities AFS, Less than 12 Months, Fair Value	26,142	35,206
Securities AFS, Less than 12 Months, Gross Unrealized Losses	(1,612)	(2,404)
Securities AFS, 12 Months or More, Fair Value	12,113	4,122
Securities AFS, 12 Months or More, Gross Unrealized Losses	(1,472)	(396)
Securities AFS, Total, Fair Value	38,255	39,328
Securities AFS, Total, Gross Unrealized Losses	$ (3,084)	$ (2,800)

Note 2 - INVESTMENT SECURITIE_5

Note 2 - INVESTMENT SECURITIES - Activity in Allowance for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 180
Balance, ending	180
Balance, ending	989
Municipal securities.
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Beginning balance	180	$ 198
Provision for credit loss expense	0	0
Balance, ending	180	$ 198
Other securities
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Balance, ending	989
Corporate Debt Securities [Member]
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Beginning balance	0
Provision for credit loss expense	989
Balance, ending	$ 989

Note 2 - INVESTMENT SECURITIE_6

Note 2 - INVESTMENT SECURITIES - Sales of Securities (Details) - USD ($)	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
INVESTMENT SECURITIES
Proceeds from sales of securities	$ 28,628,000	$ 0
Gross gains from sales of securities	44,000
Gross losses from sales of securities	$ (507,000)

Note 2 - INVESTMENT SECURITIE_7

Note 2 - INVESTMENT SECURITIES - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Securities HTM:
Securities held to maturity, due in one year or less, amortized cost	$ 9,064
Securities held to maturity, due in one year or less, fair value	9,149
Securities held to maturity, due after one year through five years, amortized cost	32,996
Securities held to maturity, due after one year through five years, fair value	35,709
Securities held to maturity, due after five years, amortized cost	520,089
Securities held to maturity, due after five years, fair value	484,108
Securities HTM, Amortized cost	562,149	$ 587,322
Securities held to maturity, fair value	528,966	535,636
Securities AFS:
Securities available for sale, due in one year or less, amortized cost	6,561
Securities available for sale, Due in one year or less, fair value	6,556
Securities available for sale, due after one year through five years, amortized cost	2,500
Securities available for sale, Due after one year through five years, fair value	2,468
Securities available for sale, due after five years, amortized cost	271,073
Securities available for sale, due after five years, fair value	225,382
Securities available for sale, single maturity, amortized cost	280,134
Securities available for sale, single maturity, fair value	234,406
Securities AFS, Amortized Cost	367,636	400,511
Available-for-sale Securities, Debt Securities, Total	315,477	340,960
Callable Securities [Member]
Securities AFS:
Securities AFS, Amortized Cost	254,564
Available-for-sale Securities, Debt Securities, Total	211,245
Municipal securities.
Securities HTM:
Securities HTM, Amortized cost	561,099	586,272
Securities held to maturity, fair value	527,934	534,586
Securities AFS:
Securities AFS, Amortized Cost	209,875	239,812
Available-for-sale Securities, Debt Securities, Total	170,590	193,178
Municipal securities. \| Callable Securities [Member]
Securities HTM:
Securities held to maturity, callable, amortized cost	268,957
Securities held to maturity, callable, fair value	242,766
Securities AFS:
Securities available for sale, callable, amortized cost	206,954
Securities available for sale, callable, fair value	167,686
Asset-backed securities
Securities AFS:
Securities AFS, Amortized Cost	18,087	18,885
Available-for-sale Securities, Debt Securities, Total	17,967	18,728
Securities available for sale, callable, amortized cost	18,087
Securities available for sale, callable, fair value	17,967
Residential mortgage-backed and related securities
Securities AFS:
Securities AFS, Amortized Cost	69,415	73,438
Available-for-sale Securities, Debt Securities, Total	63,104	66,215
Securities available for sale, callable, amortized cost	69,415
Securities available for sale, callable, fair value	63,104
Other securities
Securities HTM:
Securities HTM, Amortized cost	1,050	1,050
Securities held to maturity, fair value	1,032	1,050
Securities AFS:
Securities AFS, Amortized Cost	48,562	48,631
Available-for-sale Securities, Debt Securities, Total	44,496	$ 45,858
Other securities \| Callable Securities [Member]
Securities AFS:
Securities available for sale, callable, amortized cost	47,610
Securities available for sale, callable, fair value	$ 43,559

Note 3 - LOANS_LEASES RECEIVA_3

Note 3 - LOANS/LEASES RECEIVABLE (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022	Dec. 31, 2021
Loan	$ 6,190,022		$ 6,138,871
Accrued interest on loans	27,200		24,300
Nonaccrual Loans/Leases	22,947		8,765
Accruing Past Due 90 Days or More	15		5
Less allowance for estimated losses on loans/leases	86,573		87,706
Provision for Loan and Lease Losses	2,458
Allowance for Loan and Lease Losses, Write-offs	2,275
Recoveries on loans/leases previously charged off	393
C&I - other
Loan			1,451,693
Nonaccrual Loans/Leases			3,135
Accruing Past Due 90 Days or More			5
Allowance for Loan and Lease Losses, Write-offs	2,051
Residential real estate
Residential real estate loan held for sale	1,400		1,500
Commercial Portfolio Segment [Member]
Loan	1,727,943		1,748,562
Less allowance for estimated losses on loans/leases		$ 3,619		$ 3,907
Provision for Loan and Lease Losses		(288)
Commercial Portfolio Segment [Member] \| C&I - other
Loan	1,420,331		1,451,693
Nonaccrual Loans/Leases	4,755
Accruing Past Due 90 Days or More	15
Less allowance for estimated losses on loans/leases	26,637	7,897	27,753	8,501
Provision for Loan and Lease Losses	557	(609)
Allowance for Loan and Lease Losses, Write-offs	2,055
Recoveries on loans/leases previously charged off	382	5
Commercial Portfolio Segment [Member] \| m2 Lease Funds, LLC
Loan	286,100
Commercial Portfolio Segment [Member] \| m2 Lease Funds, LLC \| C&I - other
Loan			278,000
Commercial Real Estate Portfolio Segment [Member]
Less allowance for estimated losses on loans/leases		7,857		8,549
Provision for Loan and Lease Losses		(820)
Recoveries on loans/leases previously charged off		128
Direct financing leases
Loan	35,373		31,889
Nonaccrual Loans/Leases	118		135
Less allowance for estimated losses on loans/leases	1,053	74,786	970	$ 78,721
Provision for Loan and Lease Losses		(3,849)
Allowance for Loan and Lease Losses, Write-offs	4	456
Recoveries on loans/leases previously charged off		370
Direct financing leases \| C&I - other
Provision for Loan and Lease Losses		27
Allowance for Loan and Lease Losses, Write-offs		114
Recoveries on loans/leases previously charged off		60
Threshold for Related Party Loans Evaluated		$ 1,500
Consumer
Loan	116,522		110,421
Nonaccrual Loans/Leases	266		353
Less allowance for estimated losses on loans/leases	1,442		1,371
Provision for Loan and Lease Losses	70
Recoveries on loans/leases previously charged off	1
Construction and Land Development [Member]
Residential real estate loan held for sale	30,300		$ 108,900
Allowance for Loan and Lease Losses, Write-offs	$ 12

Note 3 -LOANS_LEASES RECEIVABLE

Note 3 -LOANS/LEASES RECEIVABLE - Composition of the Loan Lease Portfolio (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Gross loans/leases receivable	$ 6,190,022	$ 6,138,871
Less allowance for credit losses	(86,573)	(87,706)
Net loans/leases receivable	6,103,449	6,051,165
C&I - revolving
Gross loans/leases receivable		296,869
C&I - other
Gross loans/leases receivable		1,451,693
CRE - non owner occupied
Gross loans/leases receivable		963,239
Owner Occupied Commercial Real Estate Loans [Member]
Gross loans/leases receivable		629,367
Commercial Portfolio Segment [Member]
Gross loans/leases receivable	1,727,943	1,748,562
Less allowance for credit losses			$ (3,619)	$ (3,907)
Commercial Portfolio Segment [Member] \| C&I - revolving
Gross loans/leases receivable	307,612	296,869
Less allowance for credit losses	(4,637)	(4,457)	(25,437)	(25,982)
Commercial Portfolio Segment [Member] \| C&I - other
Gross loans/leases receivable	1,420,331	1,451,693
Less allowance for credit losses	(26,637)	(27,753)	(7,897)	(8,501)
Commercial Real Estate Portfolio Segment [Member]
Less allowance for credit losses			(7,857)	(8,549)
Commercial Real Estate Portfolio Segment [Member] \| CRE - owner occupied
Gross loans/leases receivable	616,922	629,367
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Gross loans/leases receivable	982,716	963,239
Less allowance for credit losses	(12,632)	(11,749)	(10,336)	(9,339)
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Gross loans/leases receivable	1,208,185	1,192,061
Less allowance for credit losses	(15,245)	(14,262)	(4,154)	(4,541)
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Gross loans/leases receivable	616,922	629,367
Less allowance for credit losses	(9,089)	(9,965)	(14,671)	(16,972)
Multi-family
Gross loans/leases receivable	969,870	963,803
Less allowance for credit losses	(11,621)	(13,186)	(815)	(930)
Direct financing leases
Net minimum lease payments to be received	39,075	34,754
Estimated unguaranteed residual values of leased assets	165	165
Unearned lease/residual income	(3,867)	(3,030)
Gross loans/leases receivable	35,373	31,889
Plus deferred lease origination costs, net of fees	174	226
Gross loans/leases receivable after originated cost	35,547	32,115
Less allowance for credit losses	(1,053)	(970)	$ (74,786)	$ (78,721)
Net loans/leases receivable	34,494	31,145
1-4 family real estate
Gross loans/leases receivable	532,491	499,529
Less allowance for credit losses	(5,270)	(4,963)
Consumer
Gross loans/leases receivable	116,522	110,421
Less allowance for credit losses	$ (1,442)	$ (1,371)

Note 3 - LOANS_LEASES RECEIVA_4

Note 3 - LOANS/LEASES RECEIVABLE - Remaining Discount on Acquired loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
LOANS/LEASES RECEIVABLE
Balance at the beginning of the period	$ (6,088)	$ (1,533)
Accretion recognized	849	161
Balance at the end of the period	$ (5,239)	$ (1,372)

Note 3 - LOANS_LEASES RECEIVA_5

Note 3 - LOANS/LEASES RECEIVABLE - Aging of the Loan Lease Portfolio (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Loan	$ 6,190,022	$ 6,138,871
Accruing Past Due 90 Days or More	15	5
Nonaccrual Loans/Leases	$ 22,947	$ 8,765
Accruing past due 90 days or more as a percentage of total loan/lease portfolio	0%	0%
Nonaccrual Loans/Leases as a percentage of total loan/lease portfolio	0.37%	0.14%
Loans and leases as a percentage of total loan/lease portfolio	100%	100%
C&I - revolving
Loan		$ 296,869
C&I - other
Loan		1,451,693
Accruing Past Due 90 Days or More		5
Nonaccrual Loans/Leases		3,135
Owner Occupied Commercial Real Estate Loans [Member]
Loan		629,367
Nonaccrual Loans/Leases		2,590
CRE - non owner occupied
Loan		963,239
Nonaccrual Loans/Leases		374
Current
Loan	$ 6,155,073	$ 6,120,819
Current as a percentage of total loan/lease portfolio	99.43%	98.88%
Current \| C&I - revolving
Loan		$ 296,869
Current \| C&I - other
Loan		1,442,629
Current \| Owner Occupied Commercial Real Estate Loans [Member]
Loan		625,611
Current \| CRE - non owner occupied
Loan		962,444
Financing Receivables, 30 to 59 Days Past Due [Member]
Loan	$ 7,769	$ 7,585
Past due as a percentage of total loan/lease portfolio	0.13%	0.12%
Financing Receivables, 30 to 59 Days Past Due [Member] \| C&I - other
Loan		$ 4,800
Financing Receivables, 30 to 59 Days Past Due [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Loan		1,166
Financing Receivables, 30 to 59 Days Past Due [Member] \| CRE - non owner occupied
Loan		421
Financing Receivables, 60 to 89 Days Past Due [Member]
Loan	$ 4,218	$ 1,697
Past due as a percentage of total loan/lease portfolio	0.07%	0.03%
Financing Receivables, 60 to 89 Days Past Due [Member] \| C&I - other
Loan		$ 1,124
Commercial Portfolio Segment [Member]
Loan	$ 1,727,943	1,748,562
Commercial Portfolio Segment [Member] \| C&I - revolving
Loan	307,612	296,869
Commercial Portfolio Segment [Member] \| C&I - other
Loan	1,420,331	1,451,693
Accruing Past Due 90 Days or More	15
Nonaccrual Loans/Leases	4,755
Commercial Portfolio Segment [Member] \| Current \| C&I - revolving
Loan	307,612
Commercial Portfolio Segment [Member] \| Current \| C&I - other
Loan	1,406,944
Commercial Portfolio Segment [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member] \| C&I - other
Loan	4,718
Commercial Portfolio Segment [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member] \| C&I - other
Loan	3,899
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Loan	616,922	629,367
Nonaccrual Loans/Leases	2,644
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Loan	982,716	963,239
Nonaccrual Loans/Leases	2,218
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Loan	1,208,185	1,192,061
Nonaccrual Loans/Leases	10,659	132
Commercial Real Estate Portfolio Segment [Member] \| Current \| Owner Occupied Commercial Real Estate Loans [Member]
Loan	612,379
Commercial Real Estate Portfolio Segment [Member] \| Current \| CRE - non owner occupied
Loan	980,498
Commercial Real Estate Portfolio Segment [Member] \| Current \| Construction Loans [Member]
Loan	1,197,526	1,191,929
Commercial Real Estate Portfolio Segment [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Loan	1,899
Multi-family
Loan	969,870	963,803
Multi-family \| Current
Loan	969,870	963,803
Direct financing leases
Loan	35,373	31,889
Nonaccrual Loans/Leases	118	135
Direct financing leases \| Current
Loan	34,951	31,557
Direct financing leases \| Financing Receivables, 30 to 59 Days Past Due [Member]
Loan	220	141
Direct financing leases \| Financing Receivables, 60 to 89 Days Past Due [Member]
Loan	84	56
1-4 family real estate
Loan	532,491	499,529
Nonaccrual Loans/Leases	2,287	2,046
1-4 family real estate \| Current
Loan	529,263	495,936
1-4 family real estate \| Financing Receivables, 30 to 59 Days Past Due [Member]
Loan	865	1,030
1-4 family real estate \| Financing Receivables, 60 to 89 Days Past Due [Member]
Loan	76	517
Consumer
Loan	116,522	110,421
Nonaccrual Loans/Leases	266	353
Consumer \| Current
Loan	116,030	110,041
Consumer \| Financing Receivables, 30 to 59 Days Past Due [Member]
Loan	67	$ 27
Consumer \| Financing Receivables, 60 to 89 Days Past Due [Member]
Loan	$ 159

Note 3 - LOANS_LEASES RECEIVA_6

Note 3 - LOANS/LEASES RECEIVABLE - Loans Leases Nonperforming Loans Leases (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Accruing Past Due 90 Days or More	$ 15	$ 5
Nonaccrual Loans/Leases	22,947	8,765
Financing Receivable, before Allowance for Credit Loss	$ 6,190,022	$ 6,138,871
Percentage of Total NPLs	100%	100%
C&I - other
Accruing Past Due 90 Days or More		$ 5
Nonaccrual Loans/Leases		3,135
Financing Receivable, before Allowance for Credit Loss		1,451,693
C&I - revolving
Financing Receivable, before Allowance for Credit Loss		296,869
Owner Occupied Commercial Real Estate Loans [Member]
Nonaccrual Loans/Leases		2,590
Financing Receivable, before Allowance for Credit Loss		629,367
CRE - non owner occupied
Nonaccrual Loans/Leases		374
Financing Receivable, before Allowance for Credit Loss		963,239
Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More	$ 15	5
Nonaccrual Loans/Leases	18,924	6,787
Nonaccrual Loans/Leases without an Allowance for Credit Losses	4,023
Accruing TDRs		1,978
Financing Receivable, before Allowance for Credit Loss	$ 22,962	$ 8,770
Percentage of Total NPLs	100%	100%
Nonperforming Financial Instruments [Member] \| C&I - other
Accruing Past Due 90 Days or More	$ 15	$ 5
Nonaccrual Loans/Leases	3,891	2,775
Nonaccrual Loans/Leases without an Allowance for Credit Losses	864
Accruing TDRs		360
Financing Receivable, before Allowance for Credit Loss	$ 4,770	$ 3,140
Percentage of Total NPLs	20.77%	35.80%
Commercial Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss	$ 1,727,943	$ 1,748,562
Commercial Portfolio Segment [Member] \| C&I - other
Accruing Past Due 90 Days or More	15
Nonaccrual Loans/Leases	4,755
Financing Receivable, before Allowance for Credit Loss	1,420,331	1,451,693
Commercial Portfolio Segment [Member] \| C&I - revolving
Financing Receivable, before Allowance for Credit Loss	307,612	296,869
Commercial Portfolio Segment [Member] \| Nonperforming Financial Instruments [Member] \| C&I - other
Financing Receivable, before Allowance for Credit Loss	4,157	2,680
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Nonaccrual Loans/Leases	2,644
Financing Receivable, before Allowance for Credit Loss	616,922	629,367
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Nonaccrual Loans/Leases	2,218
Financing Receivable, before Allowance for Credit Loss	982,716	963,239
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Nonaccrual Loans/Leases	10,659	132
Financing Receivable, before Allowance for Credit Loss	1,208,185	1,192,061
Commercial Real Estate Portfolio Segment [Member] \| Nonperforming Financial Instruments [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Nonaccrual Loans/Leases	2,197	1,738
Nonaccrual Loans/Leases without an Allowance for Credit Losses	447
Accruing TDRs		852
Financing Receivable, before Allowance for Credit Loss	$ 2,644	$ 2,590
Percentage of Total NPLs	11.52%	29.53%
Commercial Real Estate Portfolio Segment [Member] \| Nonperforming Financial Instruments [Member] \| CRE - non owner occupied
Nonaccrual Loans/Leases	$ 1,267	$ 68
Nonaccrual Loans/Leases without an Allowance for Credit Losses	951
Accruing TDRs		306
Financing Receivable, before Allowance for Credit Loss	$ 2,218	$ 374
Percentage of Total NPLs	9.66%	4.26%
Commercial Real Estate Portfolio Segment [Member] \| Nonperforming Financial Instruments [Member] \| Construction Loans [Member]
Nonaccrual Loans/Leases	$ 9,292	$ 132
Nonaccrual Loans/Leases without an Allowance for Credit Losses	1,367
Financing Receivable, before Allowance for Credit Loss	$ 10,659	$ 132
Percentage of Total NPLs	46.42%	1.51%
Construction and Land Development [Member] \| Nonperforming Financial Instruments [Member] \| Construction Loans [Member]
Financing Receivable, before Allowance for Credit Loss		$ 135
Multi-family
Financing Receivable, before Allowance for Credit Loss	$ 969,870	963,803
Direct financing leases
Nonaccrual Loans/Leases	118	135
Financing Receivable, before Allowance for Credit Loss	35,373	31,889
Direct financing leases \| Nonperforming Financial Instruments [Member]
Nonaccrual Loans/Leases	118	80
Accruing TDRs		55
Financing Receivable, before Allowance for Credit Loss	$ 118	$ 135
Percentage of Total NPLs	0.51%	1.54%
1-4 family real estate
Nonaccrual Loans/Leases	$ 2,287	$ 2,046
Financing Receivable, before Allowance for Credit Loss	532,491	499,529
1-4 family real estate \| Nonperforming Financial Instruments [Member]
Nonaccrual Loans/Leases	1,893	1,641
Nonaccrual Loans/Leases without an Allowance for Credit Losses	394
Accruing TDRs		405
Financing Receivable, before Allowance for Credit Loss	$ 2,287	$ 2,046
Percentage of Total NPLs	9.96%	23.33%
Consumer
Nonaccrual Loans/Leases	$ 266	$ 353
Financing Receivable, before Allowance for Credit Loss	116,522	110,421
Consumer \| Nonperforming Financial Instruments [Member]
Nonaccrual Loans/Leases	266	353
Financing Receivable, before Allowance for Credit Loss	$ 266	$ 353
Percentage of Total NPLs	1.16%	4.03%

Note 3 - LOANS_LEASES RECEIVA_7

Note 3 - LOANS/LEASES RECEIVABLE - Allowance for Estimated Losses on Loans Leases (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Balance	$ 87,706
Reduction of ACL for writedown of LHFS to fair value	(1,709)
Provision for credit losses	2,458
Charged off	(2,275)
Recoveries	393
Balance	86,573
C&I - other
Charged off	(2,051)
Commercial Portfolio Segment [Member]
Balance		$ 3,907
Provision for credit losses		(288)
Balance		3,619
Commercial Portfolio Segment [Member] \| C&I - revolving
Balance	4,457	25,982
Provision for credit losses	180	(331)
Charged off		(449)
Recoveries		235
Balance	4,637	25,437
Commercial Portfolio Segment [Member] \| C&I - other
Balance	27,753	8,501
Provision for credit losses	557	(609)
Charged off	(2,055)
Recoveries	382	5
Balance	26,637	7,897
Commercial Real Estate Portfolio Segment [Member]
Balance		8,549
Provision for credit losses		(820)
Recoveries		128
Balance		7,857
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Balance	9,965	16,972
Provision for credit losses	(668)	(2,301)
Charged off	(208)
Balance	9,089	14,671
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Balance	11,749	9,339
Provision for credit losses	878	997
Recoveries	5
Balance	12,632	10,336
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Balance	14,262	4,541
Reduction of ACL for writedown of LHFS to fair value	(354)
Provision for credit losses	1,349	(387)
Charged off	(12)
Balance	15,245	4,154
Construction and Land Development [Member]
Charged off	(12)
Multi-family
Balance	13,186	930
Reduction of ACL for writedown of LHFS to fair value	(1,355)
Provision for credit losses	(210)	(110)
Charged off		(7)
Recoveries		2
Balance	11,621	815
Direct financing leases
Balance	970	78,721
Provision for credit losses		(3,849)
Charged off	(4)	(456)
Recoveries		370
Balance	1,053	74,786
Direct financing leases \| C&I - other
Provision for credit losses		27
Charged off		(114)
Recoveries		60
Direct financing leases \| C&I - other \| Accounting Standards Update 2016-13
Balance	970	$ 1,500
Provision for credit losses	69
Charged off	4
Recoveries	18
Balance	1,100
1-4 family real estate
Balance	4,963
Provision for credit losses	302
Recoveries	5
Balance	5,270
Consumer
Balance	1,371
Provision for credit losses	70
Recoveries	1
Balance	$ 1,442

Note 3 - LOANS_LEASES RECEIVA_8

Note 3 - LOANS/LEASES RECEIVABLE - Composition Of Allowance For Credit Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	$ 81,094	$ 74,826
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	6,108,928	6,064,045
Gross loans/leases receivable	6,190,022	6,138,871
Allowance for Credit Losses, Individually Evaluated for Credit Losses	7,630	6,928
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	78,943	80,778
Allowance for Credit Losses, Total	86,573	87,706
C&I - revolving
Gross loans/leases receivable		296,869
C&I - other
Gross loans/leases receivable		1,451,693
Owner Occupied Commercial Real Estate Loans [Member]
Gross loans/leases receivable		629,367
CRE - non owner occupied
Gross loans/leases receivable		963,239
Commercial Portfolio Segment [Member]
Gross loans/leases receivable	1,727,943	1,748,562
Allowance for Credit Losses, Total			$ 3,619	$ 3,907
Commercial Portfolio Segment [Member] \| C&I - revolving
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	3,657	3,386
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	303,955	293,483
Gross loans/leases receivable	307,612	296,869
Allowance for Credit Losses, Individually Evaluated for Credit Losses	998	961
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	3,639	3,496
Allowance for Credit Losses, Total	4,637	4,457	25,437	25,982
Commercial Portfolio Segment [Member] \| C&I - other
Gross loans/leases receivable	1,420,331	1,451,693
Allowance for Credit Losses, Total	26,637	27,753	7,897	8,501
Commercial Portfolio Segment [Member] \| C&I - other including lease
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	14,446	9,358
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	1,441,258	1,474,224
Gross loans/leases receivable	1,455,704	1,483,582
Allowance for Credit Losses, Individually Evaluated for Credit Losses	1,231	1,445
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	25,406	26,308
Allowance for Credit Losses, Total	26,637	27,753
Commercial Portfolio Segment [Member] \| C&I - revolving and other including lease
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	18,103	12,744
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	1,745,213	1,767,707
Gross loans/leases receivable	1,763,316	1,780,451
Allowance for Credit Losses, Individually Evaluated for Credit Losses	2,229	2,406
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	29,045	29,804
Allowance for Credit Losses, Total	31,274	32,210
Commercial Real Estate Portfolio Segment [Member]
Allowance for Credit Losses, Total			7,857	8,549
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	23,751	24,880
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	593,171	604,487
Gross loans/leases receivable	616,922	629,367
Allowance for Credit Losses, Individually Evaluated for Credit Losses	2,746	2,853
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	6,343	7,112
Allowance for Credit Losses, Total	9,089	9,965	14,671	16,972
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	23,217	21,588
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	959,499	941,651
Gross loans/leases receivable	982,716	963,239
Allowance for Credit Losses, Individually Evaluated for Credit Losses	1,025	869
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	11,607	10,880
Allowance for Credit Losses, Total	12,632	11,749	10,336	9,339
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	10,756	10,394
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	1,197,429	1,181,667
Gross loans/leases receivable	1,208,185	1,192,061
Allowance for Credit Losses, Individually Evaluated for Credit Losses	826	13
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	14,419	14,249
Allowance for Credit Losses, Total	15,245	14,262	4,154	4,541
Multi-family
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	1,351	1,302
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	968,519	962,501
Gross loans/leases receivable	969,870	963,803
Allowance for Credit Losses, Individually Evaluated for Credit Losses	406	395
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	11,215	12,791
Allowance for Credit Losses, Total	11,621	13,186	815	930
1-4 family real estate
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	3,223	3,177
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	529,268	496,352
Gross loans/leases receivable	532,491	499,529
Allowance for Credit Losses, Individually Evaluated for Credit Losses	326	317
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	4,944	4,646
Allowance for Credit Losses, Total	5,270	4,963
Consumer
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	693	741
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	115,829	109,680
Gross loans/leases receivable	116,522	110,421
Allowance for Credit Losses, Individually Evaluated for Credit Losses	72	75
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	1,370	1,296
Allowance for Credit Losses, Total	1,442	1,371
Direct financing leases
Gross loans/leases receivable	35,373	31,889
Allowance for Credit Losses, Total	1,053	970	$ 74,786	$ 78,721
Direct financing leases \| C&I - other
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	35,300
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	1,000
Direct financing leases \| C&I - other including lease
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	118	135
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	35,300	31,800
Allowance for Credit Losses, Individually Evaluated for Credit Losses	36	24
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	$ 1,000
Direct financing leases \| C&I - revolving and other including lease
Allowance for Credit Losses, Collectively Evaluated for Credit Losses		$ 946

Note 3 - LOANS_LEASES RECEIVA_9

Note 3 - LOANS/LEASES RECEIVABLE - Amortized Cost Basis of Collateral (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Less allowance	$ 86,573	$ 87,706
Collateral Dependent Loans
Less allowance	81,094	74,826
Commercial Assets
Less allowance	9,290	4,870
Owner Occupied Commercial Real Estate Loans [Member]
Less allowance	23,894	25,024
Non Owner-Occupied Real Estate
Less allowance	35,476	33,437
Owner Occupied Real Estate
Less allowance	3,820	3,818
Securities
Less allowance	102	108
Equipment
Less allowance	8,088	7,394
Other
Less allowance	424	175
Commercial Portfolio Segment [Member]
Less allowance			$ 3,619	$ 3,907
Commercial Portfolio Segment [Member] \| Collateral Dependent Loans
Less allowance	18,103	12,744
Commercial Portfolio Segment [Member] \| Commercial Assets
Less allowance	9,290	4,870
Commercial Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Less allowance	209	210
Commercial Portfolio Segment [Member] \| Securities
Less allowance	102	108
Commercial Portfolio Segment [Member] \| Equipment
Less allowance	8,088	7,394
Commercial Portfolio Segment [Member] \| Other
Less allowance	414	162
Commercial Portfolio Segment [Member] \| C&I - revolving
Less allowance	4,637	4,457	25,437	25,982
Commercial Portfolio Segment [Member] \| C&I - revolving \| Collateral Dependent Loans
Less allowance	3,657	3,386
Commercial Portfolio Segment [Member] \| C&I - revolving \| Commercial Assets
Less allowance	3,552	3,281
Commercial Portfolio Segment [Member] \| C&I - revolving \| Equipment
Less allowance	105	105
Commercial Portfolio Segment [Member] \| C&I - other
Less allowance	26,637	27,753	7,897	8,501
Commercial Portfolio Segment [Member] \| C&I - other \| Collateral Dependent Loans
Less allowance	14,446	9,358
Commercial Portfolio Segment [Member] \| C&I - other \| Commercial Assets
Less allowance	5,738	1,589
Commercial Portfolio Segment [Member] \| C&I - other \| Owner Occupied Commercial Real Estate Loans [Member]
Less allowance	209	210
Commercial Portfolio Segment [Member] \| C&I - other \| Securities
Less allowance	102	108
Commercial Portfolio Segment [Member] \| C&I - other \| Equipment
Less allowance	7,983	7,289
Commercial Portfolio Segment [Member] \| C&I - other \| Other
Less allowance	414	162
Commercial Real Estate Portfolio Segment [Member]
Less allowance			7,857	8,549
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Less allowance	9,089	9,965	14,671	16,972
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member] \| Collateral Dependent Loans
Less allowance	23,751	24,880
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Less allowance	23,685	24,814
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member] \| Owner Occupied Real Estate
Less allowance	66	66
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Less allowance	12,632	11,749	10,336	9,339
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied \| Collateral Dependent Loans
Less allowance	23,217	21,588
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied \| Non Owner-Occupied Real Estate
Less allowance	23,217	21,588
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Less allowance	15,245	14,262	4,154	4,541
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Collateral Dependent Loans
Less allowance	10,756	10,394
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Non Owner-Occupied Real Estate
Less allowance	10,756	10,394
Direct financing leases
Less allowance	1,053	970	74,786	78,721
Direct financing leases \| C&I - other \| Commercial Assets
Less allowance	118	135
Multi-family
Less allowance	11,621	13,186	$ 815	$ 930
Multi-family \| Collateral Dependent Loans
Less allowance	1,351	1,302
Multi-family \| Non Owner-Occupied Real Estate
Less allowance	1,351	1,302
1-4 family real estate
Less allowance	5,270	4,963
1-4 family real estate \| Collateral Dependent Loans
Less allowance	3,223	3,177
1-4 family real estate \| Non Owner-Occupied Real Estate
Less allowance	31	33
1-4 family real estate \| Owner Occupied Real Estate
Less allowance	3,192	3,144
Consumer
Less allowance	1,442	1,371
Consumer \| Collateral Dependent Loans
Less allowance	693	741
Consumer \| Non Owner-Occupied Real Estate
Less allowance	121	120
Consumer \| Owner Occupied Real Estate
Less allowance	562	608
Consumer \| Other
Less allowance	$ 10	$ 13

Note 3 - LOANS_LEASES RECEIV_10

Note 3 - LOANS/LEASES RECEIVABLE - Loans by Internally Assigned Risk Rating (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Loan	$ 6,190,022	$ 6,138,871
C&I - revolving
Loan		296,869
C&I - other
Loan		1,451,693
Owner Occupied Commercial Real Estate Loans [Member]
Loan		629,367
CRE - non owner occupied
Loan		963,239
Internally Assigned Risk Rating [Member]
2023	305,025	1,762,189
2022	1,650,145	1,348,190
2021	1,285,692	988,473
2020	931,468	412,583
2019	401,179	294,259
Prior	489,121	215,046
Revolving Loans Amortized Cost Basis	363,345	366,274
Loan	5,425,975	5,387,014
Internally Assigned Risk Rating [Member] \| Construction Loans [Member]
2023	142
2022	781
2021	743
2020	722
2019	33
Prior	937
Revolving Loans Amortized Cost Basis	9,406
Loan	12,764
Pass [Member] \| Construction Loans [Member]
2023	97
2022	499
2021	743
2020	711
2019	33
Prior	831
Revolving Loans Amortized Cost Basis	9,406
Loan	12,320
Substandard [Member] \| Construction Loans [Member]
2023	45
2022	282
2020	11
Prior	106
Loan	444
Commercial Portfolio Segment [Member]
Loan	1,727,943	1,748,562
Commercial Portfolio Segment [Member] \| C&I - revolving
Loan	307,612	296,869
Commercial Portfolio Segment [Member] \| C&I - other
Loan	1,420,331	1,451,693
Commercial Portfolio Segment [Member] \| Internally Assigned Risk Rating [Member] \| C&I - revolving
Revolving Loans Amortized Cost Basis	307,612	296,869
Loan	307,612	296,869
Commercial Portfolio Segment [Member] \| Internally Assigned Risk Rating [Member] \| C&I - other
2023	124,125	506,174
2022	408,414	280,216
2021	241,926	129,365
2020	111,895	92,312
2019	88,331	59,985
Prior	159,519	105,598
Loan	1,134,210	1,173,650
Commercial Portfolio Segment [Member] \| Pass [Member] \| C&I - revolving
Revolving Loans Amortized Cost Basis	277,135	275,888
Loan	277,135	275,888
Commercial Portfolio Segment [Member] \| Pass [Member] \| C&I - other
2023	112,239	496,445
2022	399,604	279,412
2021	236,117	127,803
2020	108,134	87,054
2019	83,522	59,675
Prior	158,843	105,184
Loan	1,098,459	1,155,573
Commercial Portfolio Segment [Member] \| Special Mention [Member] \| C&I - revolving
Revolving Loans Amortized Cost Basis	26,820	17,595
Loan	26,820	17,595
Commercial Portfolio Segment [Member] \| Special Mention [Member] \| C&I - other
2023	11,886	9,542
2022	3,603	679
2021	5,557	901
2020	3,724	723
2019	1,033
Prior	299	308
Loan	26,102	12,153
Commercial Portfolio Segment [Member] \| Substandard [Member] \| C&I - revolving
Revolving Loans Amortized Cost Basis	3,657	3,386
Loan	3,657	3,386
Commercial Portfolio Segment [Member] \| Substandard [Member] \| C&I - other
2023		187
2022	5,207	125
2021	252	661
2020	37	4,535
2019	3,776	310
Prior	377	106
Loan	9,649	5,924
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Loan	616,922	629,367
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Loan	982,716	963,239
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Loan	1,208,185	1,192,061
Commercial Real Estate Portfolio Segment [Member] \| Internally Assigned Risk Rating [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
2023	23,140	156,151
2022	147,401	182,611
2021	179,847	165,311
2020	150,706	35,451
2019	34,333	28,285
Prior	73,919	47,829
Revolving Loans Amortized Cost Basis	7,576	13,729
Loan	616,922	629,367
Commercial Real Estate Portfolio Segment [Member] \| Internally Assigned Risk Rating [Member] \| CRE - non owner occupied
2023	54,567	318,638
2022	306,598	222,835
2021	222,490	192,555
2020	180,245	104,554
2019	97,849	69,815
Prior	112,840	47,121
Revolving Loans Amortized Cost Basis	8,127	7,721
Loan	982,716	963,239
Commercial Real Estate Portfolio Segment [Member] \| Pass [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
2023	18,359	146,211
2022	143,926	182,440
2021	177,112	142,596
2020	128,136	33,571
2019	32,639	27,088
Prior	71,449	45,993
Revolving Loans Amortized Cost Basis	7,552	13,460
Loan	579,173	591,359
Commercial Real Estate Portfolio Segment [Member] \| Pass [Member] \| CRE - non owner occupied
2023	49,906	310,163
2022	297,573	221,953
2021	221,657	173,478
2020	162,545	89,337
2019	82,633	56,898
Prior	93,906	40,923
Revolving Loans Amortized Cost Basis	7,969	7,510
Loan	916,189	900,262
Commercial Real Estate Portfolio Segment [Member] \| Special Mention [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
2023	4,268	6,190
2022	791
2021	2,735	6,379
2020	6,383	484
2019	479
Prior	1,310	1,346
Revolving Loans Amortized Cost Basis	24	269
Loan	15,990	14,668
Commercial Real Estate Portfolio Segment [Member] \| Special Mention [Member] \| CRE - non owner occupied
2023	596	2,824
2022	5,402	882
2021	833	18,920
2020	17,544
2019		12,917
Prior	18,934	6,198
Loan	43,309	41,741
Commercial Real Estate Portfolio Segment [Member] \| Substandard [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
2023	513	3,750
2022	2,684	171
2021		16,336
2020	16,187	1,396
2019	1,215	1,197
Prior	1,160	490
Loan	21,759	23,340
Commercial Real Estate Portfolio Segment [Member] \| Substandard [Member] \| CRE - non owner occupied
2023	4,065	5,651
2022	3,623
2021		157
2020	156	15,217
2019	15,216
Revolving Loans Amortized Cost Basis	158	211
Loan	23,218	21,236
Construction and Land Development [Member] \| Internally Assigned Risk Rating [Member]
2023		480,613
2022		349,896
2021		240,778
2020		31,607
2019		30,300
Revolving Loans Amortized Cost Basis		29,647
Loan		1,162,841
Construction and Land Development [Member] \| Internally Assigned Risk Rating [Member] \| Construction Loans [Member]
2023	49,479
2022	493,862
2021	333,052
2020	232,318
2019	31,275
Prior	28,640
Revolving Loans Amortized Cost Basis	25,117
Loan	1,193,743
Construction and Land Development [Member] \| Pass [Member]
2023		479,016
2022		330,434
2021		240,778
2020		31,607
2019		30,300
Revolving Loans Amortized Cost Basis		29,647
Loan		1,141,782
Construction and Land Development [Member] \| Pass [Member] \| Construction Loans [Member]
2023	48,281
2022	492,375
2021	313,670
2020	232,318
2019	31,275
Prior	28,640
Revolving Loans Amortized Cost Basis	25,117
Loan	1,171,676
Construction and Land Development [Member] \| Special Mention [Member]
2023		1,465
2022		9,200
Loan		10,665
Construction and Land Development [Member] \| Special Mention [Member] \| Construction Loans [Member]
2023	1,100
2021	10,210
Loan	11,310
Construction and Land Development [Member] \| Substandard [Member]
2023		132
2022		10,262
Loan		10,394
Construction and Land Development [Member] \| Substandard [Member] \| Construction Loans [Member]
2023	98
2022	1,487
2021	9,172
Loan	10,757
Multi-family
Loan	969,870	963,803
Multi-family \| Internally Assigned Risk Rating [Member]
2023	15,948	237,839
2022	237,962	254,100
2021	250,990	226,222
2020	224,233	135,845
2019	137,136	99,695
Prior	103,474	7,875
Revolving Loans Amortized Cost Basis	127	2,227
Loan	969,870	963,803
Multi-family \| Pass [Member]
2023	15,948	237,839
2022	237,962	254,056
2021	250,949	224,920
2020	222,923	134,378
2019	135,619	99,695
Prior	103,474	7,875
Revolving Loans Amortized Cost Basis	127	2,227
Loan	967,002	960,990
Multi-family \| Special Mention [Member]
2022		44
2020		1,467
2019	1,517
Loan	1,517	1,511
Multi-family \| Substandard [Member]
2021	41	1,302
2020	1,310
Loan	1,351	1,302
1-4 family real estate
Loan	532,491	499,529
1-4 family real estate \| Internally Assigned Risk Rating [Member]
2023	37,624	61,981
2022	55,127	57,731
2021	56,644	33,737
2020	31,349	12,692
2019	12,222	5,813
Prior	9,792	6,002
Revolving Loans Amortized Cost Basis	5,380	5,855
Loan	208,138	183,811
1-4 family real estate \| Pass [Member]
2023	37,624	61,953
2022	55,100	57,731
2021	56,644	33,737
2020	31,349	12,687
2019	12,218	5,813
Prior	9,792	6,002
Revolving Loans Amortized Cost Basis	5,380	5,855
Loan	208,107	183,778
1-4 family real estate \| Substandard [Member]
2023		28
2022	27
2020		5
2019	4
Loan	31	33
Consumer
Loan	$ 116,522	110,421
Consumer \| Internally Assigned Risk Rating [Member]
2023		793
2022		801
2021		505
2020		122
2019		366
Prior		621
Revolving Loans Amortized Cost Basis		10,226
Loan		13,434
Consumer \| Pass [Member]
2023		511
2022		801
2021		493
2020		122
2019		254
Prior		621
Revolving Loans Amortized Cost Basis		10,226
Loan		13,028
Consumer \| Substandard [Member]
2023		282
2021		12
2019		112
Loan		$ 406

Note 3 - LOANS_LEASES RECEIV_11

Note 3 - LOANS/LEASES RECEIVABLE - Leases By Delinquency Status (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Loan	$ 6,190,022	$ 6,138,871
Delinquency Status [Member]
2023	81,964	298,706
2022	248,254	173,708
2021	162,625	110,850
2020	105,113	31,060
2019	28,170	15,942
Prior	62,333	50,417
Revolving Loans Amortized Cost Basis	75,588	71,174
Loan	764,047	751,857
Nonperforming Financial Instruments [Member]
Loan	22,962	8,770
C&I - other
Loan		1,451,693
C&I - other \| Nonperforming Financial Instruments [Member]
Loan	4,770	3,140
Commercial Portfolio Segment [Member]
Loan	1,727,943	1,748,562
Commercial Portfolio Segment [Member] \| C&I - other
Loan	1,420,331	1,451,693
Commercial Portfolio Segment [Member] \| C&I - other \| Delinquency Status [Member]
2023	43,765	171,290
2022	148,546	71,014
2021	63,697	25,695
2020	22,334	8,161
2019	6,603	1,804
Prior	1,176	79
Loan	286,121	278,043
Commercial Portfolio Segment [Member] \| C&I - other \| Performing Loans
2023	43,765	170,180
2022	145,880	69,694
2021	62,307	25,540
2020	22,270	8,066
2019	6,566	1,804
Prior	1,176	79
Loan	281,964	275,363
Commercial Portfolio Segment [Member] \| C&I - other \| Nonperforming Financial Instruments [Member]
2023		1,110
2022	2,666	1,320
2021	1,390	155
2020	64	95
2019	37
Loan	4,157	2,680
Direct financing leases
Loan	35,373	31,889
Direct financing leases \| Delinquency Status [Member]
2023	5,256	28,785
2022	15,409	360
2021	4,738	10
2020	4,948	3
2019	3,767	62
Prior	1,255
Loan	35,373	29,220
Direct financing leases \| Performing Loans
2023	5,256	28,785
2022	15,409	360
2021	4,710	10
2020	4,926	3
2019	3,753	62
Prior	1,201
Loan	35,255	29,220
Direct financing leases \| Nonperforming Financial Instruments [Member]
2021	28
2020	22
2019	14
Prior	54
Loan	118	135
Construction and Land Development [Member] \| Construction Loans [Member] \| Delinquency Status [Member]
2023	3,059	14,578
2022	10,978	5,204
2021	331	5,788
2020	10	4,405
2019	3	1,544
Prior	61	370
Loan	14,442	31,889
Construction and Land Development [Member] \| Construction Loans [Member] \| Performing Loans
2023	3,059	14,578
2022	10,978	5,172
2021	331	5,700
2020	10	4,398
2019	3	1,536
Prior	61	370
Loan	14,442	31,754
Construction and Land Development [Member] \| Construction Loans [Member] \| Nonperforming Financial Instruments [Member]
2022		32
2021		88
2020		7
2019		8
Loan		135
1-4 family real estate
Loan	532,491	499,529
1-4 family real estate \| Nonperforming Financial Instruments [Member]
Loan	2,287	2,046
1-4 family real estate \| One To Four Family [Member] \| Delinquency Status [Member]
2023	23,843	69,361
2022	61,143	93,286
2021	90,530	75,640
2020	74,481	17,368
2019	16,852	11,389
Prior	57,421	48,584
Revolving Loans Amortized Cost Basis	83	90
Loan	324,353	315,718
1-4 family real estate \| One To Four Family [Member] \| Performing Loans
2023	23,843	69,094
2022	61,010	92,762
2021	90,018	75,153
2020	74,002	17,089
2019	16,392	11,381
Prior	56,749	48,136
Revolving Loans Amortized Cost Basis	83	90
Loan	322,097	313,705
1-4 family real estate \| One To Four Family [Member] \| Nonperforming Financial Instruments [Member]
2023		267
2022	133	524
2021	512	487
2020	479	279
2019	460	8
Prior	672	448
Loan	2,256	2,013
Consumer
Loan	116,522	110,421
Consumer \| Nonperforming Financial Instruments [Member]
Loan	266	353
Consumer \| Consumer. \| Delinquency Status [Member]
2023	6,041	14,692
2022	12,178	3,844
2021	3,329	3,717
2020	3,340	1,123
2019	945	1,143
Prior	2,420	1,384
Revolving Loans Amortized Cost Basis	75,505	71,084
Loan	103,758	96,987
Consumer \| Consumer. \| Performing Loans
2023	6,041	14,685
2022	12,171	3,844
2021	3,329	3,717
2020	3,340	1,123
2019	945	1,140
Prior	2,379	1,325
Revolving Loans Amortized Cost Basis	75,460	70,974
Loan	103,665	96,808
Consumer \| Consumer. \| Nonperforming Financial Instruments [Member]
2023		7
2022	7
2019		3
Prior	41	59
Revolving Loans Amortized Cost Basis	45	110
Loan	$ 93	$ 179

Note 3 - LOANS_LEASES RECEIV_12

Note 3 - LOANS/LEASES RECEIVABLE - Schedule of Gross Charge Offs of loans and Leases by Class of Receivable and Year of Origination (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
2022	$ 752
2021	489
2020	794
2019	204
Prior	36
Total	2,275
Construction and Land Development [Member]
2022	12
Total	12
Multi-family
Total		$ 7
Direct financing leases
2019	3
Prior	1
Total	4	456
C&I - revolving \| Commercial Portfolio Segment [Member]
Total		449
C&I - other
2022	740
2021	281
2020	794
2019	201
Prior	35
Total	2,051
C&I - other \| Commercial Portfolio Segment [Member]
Total	2,055
C&I - other \| Direct financing leases
Total		$ 114
CRE - owner occupied
2021	208
Total	208
Construction Loans [Member] \| Commercial Real Estate Portfolio Segment [Member]
Total	12
Owner Occupied Commercial Real Estate Loans [Member] \| Commercial Real Estate Portfolio Segment [Member]
Total	$ 208

Note 3 - LOANS_LEASES RECEIV_13

Note 3 - LOANS/LEASES RECEIVABLE - Adoption of ASU 2016-13 (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Balance	$ 87,706
Provisions (credited) to expense	3,928	$ (2,916)
Balance	86,573
Unfunded Loan Commitment
Balance	5,552	6,886
Provisions (credited) to expense	481	933
Balance	$ 6,033	$ 7,819

Note 4 - DERIVATIVES AND HEDG_3

Note 4 - DERIVATIVES AND HEDGING ACTIVITIES (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Deposits	$ 6,501,663	$ 5,984,217
Cash Flow Hedging
Deposits	300,000
Interest rate cap \| Cash Flow Hedging
Initial premium paid upfront for the two caps	$ 3,500

Note 4 - DERIVATIVES AND HEDG_4

Note 4 - DERIVATIVES AND HEDGING ACTIVITIES - Summary of Derivatives (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Derivative Assets	$ 130,350	$ 177,631
Derivative Liabilities	(150,401)	(200,701)
Interest rate cap
Derivative Assets	1,786	2,213
Interest rate cap \| Cash Flow Hedging
Derivative Assets	6,714	8,327
Interest rate swap
Derivative Assets	120,366	166,614
Derivative Liabilities	(120,366)	(166,614)
Interest rate swap \| Cash Flow Hedging
Derivative Assets	1,484	477
Derivative Liabilities	(29,978)	(33,824)
Interest rate collar \| Cash Flow Hedging
Derivative Liabilities	$ (57)	$ (263)

Note 4 - DERIVATIVES AND HEDG_5

Note 4 - DERIVATIVES AND HEDGING ACTIVITIES - Summary of Interest Rate Cap Derivatives (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Derivative Assets	$ 130,350	$ 177,631
Interest rate swap
Derivative Assets	120,366	166,614
Interest rate cap
Derivative Assets	1,786	2,213
Cash Flow Hedging \| Interest rate swap
Derivative Assets	1,484	477
Cash Flow Hedging \| Interest rate cap
Derivative Assets	6,714	8,327
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument One Maturing 2023 [Member]
Notional Amount	$ 25,000
Fair Value - Liability		(50)
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument One Maturing 2023 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.75%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument One Maturing 2024 [Member]
Notional Amount	$ 25,000
Fair Value - Asset	$ 515	714
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument One Maturing 2024 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.75%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2024 [Member]
Notional Amount	$ 50,000
Fair Value - Asset	$ 1,191	1,566
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2024 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.57%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Three Maturing 2024 [Member]
Notional Amount	$ 25,000
Fair Value - Asset	$ 596	783
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Three Maturing 2024 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.80%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument One Maturing 2025 [Member]
Notional Amount	$ 25,000
Fair Value - Asset	$ 1,032	1,264
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument One Maturing 2025 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.75%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2025 [Member]
Notional Amount	$ 50,000
Fair Value - Asset	$ 2,253	2,700
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2025 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.57%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Three Maturing 2025 [Member]
Notional Amount	$ 25,000
Fair Value - Asset	$ 1,127	1,350
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Derivative Instrument Three Maturing 2025 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.80%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Guaranty Statutory Trust II
Notional Amount	$ 10,310
Fair Value - Asset	$ 400
Fair Value - Liability		(477)
Receive Rate	6.37%
Pay Rate	4.09%
Designated as Hedging Instrument \| Derivative Assets. \| Cash Flow Hedging \| Interest rate cap
Notional Amount	$ 225,000
Fair Value - Asset	6,714	8,327
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging
Notional Amount	300,000
Fair Value - Liability	(29,978)	(35,631)
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Interest rate swap
Notional Amount	49,310
Fair Value - Liability		(2,284)
Fair value, net	1,484
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| QCR Holdings Statutory Trust II
Notional Amount	10,000
Fair Value - Liability	$ (279)	(464)
Receive Rate	7.60%
Pay Rate	5.85%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| QCR Holdings Statutory Trust III
Notional Amount	$ 8,000
Fair Value - Liability	$ (223)	(372)
Receive Rate	7.60%
Pay Rate	5.85%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| QCR Holdings Statutory Trust V
Notional Amount	$ 10,000
Fair Value - Liability	$ (279)	(459)
Receive Rate	6.38%
Pay Rate	4.54%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Community National Statutory Trust II
Notional Amount	$ 3,000
Fair Value - Liability	$ (83)	(140)
Receive Rate	7.13%
Pay Rate	5.17%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Community National Statutory Trust III
Notional Amount	$ 3,500
Fair Value - Liability	$ (96)	(163)
Receive Rate	6.62%
Pay Rate	4.75%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Guaranty Bankshares Statutory Trust I
Notional Amount	$ 4,500
Fair Value - Liability	$ (124)	(209)
Receive Rate	6.62%
Pay Rate	4.75%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loans, one
Notional Amount	$ 35,000
Fair Value - Liability	$ (4,809)	(5,646)
Receive Rate	1.40%
Pay Rate	4.86%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loans, two
Notional Amount	$ 50,000
Fair Value - Liability	$ (6,871)	(8,066)
Receive Rate	1.40%
Pay Rate	4.86%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loans, three
Notional Amount	$ 40,000
Fair Value - Liability	$ (5,508)	(6,464)
Receive Rate	1.40%
Pay Rate	4.86%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loans, four
Notional Amount	$ 25,000
Fair Value - Liability	$ (3,403)	(4,018)
Receive Rate	1.30%
Pay Rate	4.87%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loan five
Notional Amount	$ 15,000
Fair Value - Liability	$ (939)	(1,144)
Receive Rate	1.91%
Pay Rate	4.86%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loan six
Notional Amount	$ 50,000
Fair Value - Liability	$ (3,129)	(3,812)
Receive Rate	1.91%
Pay Rate	4.86%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loan seven
Notional Amount	$ 35,000
Fair Value - Liability	$ (2,190)	(2,669)
Receive Rate	1.91%
Pay Rate	4.86%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Loan eight
Notional Amount	$ 50,000
Fair Value - Liability	$ (3,129)	(3,812)
Receive Rate	1.91%
Pay Rate	4.86%
Non Designated
Derivative Assets	$ 1,786	$ 2,213
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Derivative Assets	Derivative Assets
Non Designated \| Derivative Instrument One Maturing 2023 [Member]
Derivative Assets		$ 3
Non Designated \| Derivative Instrument One Maturing 2024 [Member]
Derivative Assets	$ 635	822
Non Designated \| Derivative Instrument One Maturing 2025 [Member]
Derivative Assets	1,151	1,388
Non Designated \| Interest rate swap
Derivative Assets	120,366	$ 166,614
Non Designated \| Derivative Assets.
Notional Amount	75,000
Non Designated \| Derivative Assets. \| Derivative Instrument One Maturing 2023 [Member]
Notional Amount	$ 25,000
Non Designated \| Derivative Assets. \| Derivative Instrument One Maturing 2023 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.90%
Non Designated \| Derivative Assets. \| Derivative Instrument One Maturing 2024 [Member]
Notional Amount	$ 25,000
Non Designated \| Derivative Assets. \| Derivative Instrument One Maturing 2024 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.90%
Non Designated \| Derivative Assets. \| Derivative Instrument One Maturing 2025 [Member]
Notional Amount	$ 25,000
Non Designated \| Derivative Assets. \| Derivative Instrument One Maturing 2025 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.90%

Note 4 - DERIVATIVES AND HEDG_6

Note 4 - DERIVATIVES AND HEDGING ACTIVITIES - Interest Rate Collars (Details) - Cash Flow Hedging - Designated as Hedging Instrument - Derivative Liabilities - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Notional Amount	$ 300,000
Fair Value - Liability	(29,978)	$ (35,631)
Interest rate collar
Notional Amount	$ 50,000
Cap Strike Rate	4.40%
Floor Strike Rate	2.44%
Fair Value - Liability	$ (57)	$ (263)

Note 4 - DERIVATIVES AND HEDG_7

Note 4 - DERIVATIVES AND HEDGING ACTIVITIES - Significantly Impact of operations (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Derivative Assets	$ 130,350	$ 177,631
Derivative Liabilities.	150,401	200,701
Interest rate swap
Derivative Assets	120,366	166,614
Derivative Liabilities.	120,366	166,614
Non Designated
Derivative Assets	1,786	2,213
Non Designated \| Interest rate swap
Derivative Asset, Notional Amount	2,855,239	2,528,949
Derivative Assets	120,366	166,614
Derivative Liability, Notional Amount	2,855,239	2,528,949
Derivative Liabilities.	$ 120,366	$ 166,614

Note 4 - DERIVATIVES AND HEDG_8

Note 4 - DERIVATIVES AND HEDGING ACTIVITIES - Cash flow hedging and fair value (Details) - Non Designated - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Interest And Dividend Income
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net [Abstract]
Income and expense line items presented in the consolidated statements of income	$ 94,217	$ 51,062
Interest Expense
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net [Abstract]
Income and expense line items presented in the consolidated statements of income	37,407	5,329
Interest Rate Caps On Deposits \| Interest Expense
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net [Abstract]
Gain Loss From Components Excluded From Assessment Of Cash Flow Hedge Effectiveness Net	(1,581)	221
Interest Rate Swaps on Variable Rate Loans \| Interest And Dividend Income
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net [Abstract]
Gain Loss From Components Excluded From Assessment Of Cash Flow Hedge Effectiveness Net	(2,055)	471
Interest Rate Swap on Junior Subordinated Debentures \| Interest Expense
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net [Abstract]
Gain Loss From Components Excluded From Assessment Of Cash Flow Hedge Effectiveness Net	$ (227)	$ 267

Note 4 - DERIVATIVES AND HEDG_9

Note 4 - DERIVATIVES AND HEDGING ACTIVITIES - Hedged Interest Rate Swaps and Non-hedged Interest Rate Swaps (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Derivative [Line Items]
Swapped loan portfolio loan-to-value percentage, including the potential swap exposure	65%
Interest rate swap
Derivative [Line Items]
Interest rate swaps collateralized by investment securities	$ 11,602	$ 38,756
Interest rate swap \| Cash
Derivative [Line Items]
Interest rate swaps collateralized by investment securities	1,661	1,272
Interest rate swap \| Municipal securities
Derivative [Line Items]
Interest rate swaps collateralized by investment securities	3,954	8,227
Interest rate swap \| Residential mortgage-backed and related securities
Derivative [Line Items]
Interest rate swaps collateralized by investment securities	$ 5,987	$ 29,257

Note 5 - INCOME TAXES - Reconci

Note 5 - INCOME TAXES - Reconciliation of the Expected Federal Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
INCOME TAXES
Computed "expected" tax expense	$ 6,287	$ 5,451
Tax exempt income, net	(3,216)	(2,222)
Bank-owned life insurance	(148)	(73)
State income taxes, net of federal benefit, current year	1,189	1,291
Provision adjustment from accounting method change		1,181
Tax Credits	(177)	(242)
Income from tax credit equity investments	(413)	(301)
Acquisition costs		130
Excess tax benefit on stock options exercised and restricted stock awards vested	398	434
Other	342	86
Federal and state income tax expense	$ 2,782	$ 2,333
Computed "expected" tax expense (in percentage)	21%	21%
Tax exempt income, net (in percentage)	(10.70%)	(8.60%)
Bank-owned life insurance (in percentage)	(0.50%)	(0.30%)
State income taxes, net of federal benefit, current year (in percentage)	4%	5%
Provision adjustment from accounting method change (in percentage)		(4.50%)
Tax credits (in percentage)	(0.60%)	(0.90%)
Income from tax credit equity investments (in percentage)	(1.40%)	(1.20%)
Acquisition costs (in percentage)		0.50%
Excess tax benefit on stock options exercised and restricted stock awards vested (in percentage)	(1.30%)	(1.70%)
Other (in percentage)	(1.20%)	(0.30%)
Federal and state income tax expense (in percentage)	9.30%	9%

Note 6 - EARNINGS PER SHARE - B

Note 6 - EARNINGS PER SHARE - Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
EARNINGS PER SHARE
Net income	$ 27,157	$ 23,624
Basic EPS	$ 1.62	$ 1.51
Diluted EPS	$ 1.60	$ 1.49
Weighted average common shares outstanding	16,776,289	15,625,112
Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan (in shares)	165,843	227,144
Weighted average common and common equivalent shares outstanding	16,942,132	15,852,256

Note 7 - FAIR VALUE (Details)

Note 7 - FAIR VALUE (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Securities available for sale, at fair value	$ 315,477	$ 340,960
Derivatives	130,350	177,631
Derivatives	150,401	200,701
Interest rate swap
Derivatives	120,366	166,614
Derivatives	120,366	166,614
Fair Value, Measurements, Recurring [Member]
Derivatives	130,350	177,631
Assets Fair Value	445,827	518,591
Liabilities Fair Value	150,401	200,701
Fair Value, Measurements, Recurring [Member] \| Interest rate swap
Derivatives	150,401	200,701
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Derivatives	130,350	177,631
Assets Fair Value	445,827	518,591
Liabilities Fair Value	150,401	200,701
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Interest rate swap
Derivatives	150,401	200,701
Fair Value, Measurements, Nonrecurring [Member]
Assets Fair Value	181,644	30,909
Loans receivable held for sale fair value disclosure	139,224
Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	181,644	30,909
Loans receivable held for sale fair value disclosure	139,224
U.S. treasuries and govt. sponsored agency securities
Securities available for sale, at fair value	19,320	16,981
U.S. treasuries and govt. sponsored agency securities \| Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	19,320	16,981
U.S. treasuries and govt. sponsored agency securities \| Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	19,320	16,981
Residential mortgage-backed and related securities
Securities available for sale, at fair value	63,104	66,215
Residential mortgage-backed and related securities \| Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	63,104	66,215
Residential mortgage-backed and related securities \| Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	63,104	66,215
Asset-backed securities
Securities available for sale, at fair value	17,967	18,728
Asset-backed securities \| Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	17,967	18,728
Asset-backed securities \| Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	17,967	18,728
Municipal securities.
Securities available for sale, at fair value	170,590	193,178
Municipal securities. \| Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	170,590	193,178
Municipal securities. \| Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	170,590	193,178
Other securities
Securities available for sale, at fair value	44,496	45,858
Other securities \| Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	44,496	45,858
Other securities \| Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	44,496	45,858
Impaired Loans Leases [Member] \| Fair Value, Measurements, Nonrecurring [Member]
Assets Fair Value	42,354	30,765
Impaired Loans Leases [Member] \| Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	42,354	30,765
Other Real Estate Owned [Member] \| Fair Value, Measurements, Nonrecurring [Member]
Assets Fair Value	66	144
Other Real Estate Owned [Member] \| Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	$ 66	$ 144

Note 7 - FAIR VALUE - Quantitat

Note 7 - FAIR VALUE - Quantitative Information About Level Fair Value Measurements (Details) - Fair Value, Inputs, Level 3 [Member] - Valuation Technique, Appraisal of Collateral [Member] - Measurement Input, Appraised Value [Member] $ in Thousands	Mar. 31, 2023 USD ($) item	Dec. 31, 2022 USD ($)
Loans receivable held for sale fair value disclosure \| $	$ 139,224
Loans receivable held-for-sale, Valuation Technique	us-gaap:MarketApproachValuationTechniqueMember	us-gaap:MarketApproachValuationTechniqueMember
Loans receivable held-for-sale, Measurement Input	us-gaap:MeasurementInputComparabilityAdjustmentMember	us-gaap:MeasurementInputComparabilityAdjustmentMember
Impaired Loans Leases [Member]
Fair value \| $	$ 42,354	$ 30,765
Valuation technique	Valuation Technique, Appraisal of Collateral [Member]	Valuation Technique, Appraisal of Collateral [Member]
Unobservable input	Measurement Input, Appraised Value [Member]	Measurement Input, Appraised Value [Member]
Impaired Loans Leases [Member] \| Minimum
Impaired loans/leases, measurement input	(0.1000)
Impaired Loans Leases [Member] \| Maximum
Impaired loans/leases, measurement input	(0.3000)
Other Real Estate Owned [Member]
Fair value \| $	$ 66	$ 144
Valuation technique, OREO	Valuation Technique, Appraisal of Collateral [Member]	Valuation Technique, Appraisal of Collateral [Member]
Unobservable input, OREO	Measurement Input, Appraised Value [Member]	Measurement Input, Appraised Value [Member]
Other Real Estate Owned [Member] \| Minimum
OREO, measurement input	0
Other Real Estate Owned [Member] \| Maximum
OREO, measurement input	(0.3500)

Note 7 - FAIR VALUE - Carrying

Note 7 - FAIR VALUE - Carrying Values and Estimated Fair Values of Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Interest-bearing deposits at financial institutions	$ 237,632	$ 67,360
Securities held to maturity, fair value	528,966	535,636
Securities available for sale, at fair value	315,477	340,960
Derivatives	130,350	177,631
Derivatives	150,401	200,701
Interest rate cap
Derivatives	1,786	2,213
Interest rate swap
Derivatives	120,366	166,614
Derivatives	120,366	166,614
Fair Value, Inputs, Level 1 [Member] \| Carrying Value
Cash and due from banks	64,295	59,723
Fair Value, Inputs, Level 1 [Member] \| Estimated Fair Value
Cash and due from banks	64,295	59,723
Fair Value, Inputs, Level 2 [Member] \| Carrying Value
Federal funds sold	16,365	56,910
Securities held to maturity, fair value	561,969	587,142
Securities available for sale, at fair value	315,477	340,960
Loans/leases receivable, net	5,925,008	6,022,679
Short-term borrowings	1,100	129,630
FHLB advances	135,000	415,000
Subordinated notes	232,746	232,662
Junior subordinated debentures	48,634	48,602
Fair Value, Inputs, Level 2 [Member] \| Carrying Value \| Non-maturity Deposits [Member]
Deposits	5,288,242	5,199,633
Fair Value, Inputs, Level 2 [Member] \| Carrying Value \| Time Deposits [Member]
Deposits	1,213,421	784,584
Fair Value, Inputs, Level 2 [Member] \| Carrying Value \| Interest rate cap
Derivatives	130,350	177,631
Fair Value, Inputs, Level 2 [Member] \| Carrying Value \| Interest rate swap
Derivatives	150,401	200,701
Fair Value, Inputs, Level 2 [Member] \| Carrying Value \| Interest-bearing Deposits [Member]
Interest-bearing deposits at financial institutions	237,632	67,360
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value
Federal funds sold	16,365	56,910
Securities held to maturity, fair value	528,966	535,636
Securities available for sale, at fair value	315,477	340,960
Loans/leases receivable, net	5,749,501	5,896,443
Short-term borrowings	1,100	129,630
FHLB advances	138,588	415,000
Subordinated notes	249,647	250,613
Junior subordinated debentures	40,368	41,545
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value \| Non-maturity Deposits [Member]
Deposits	5,288,242	5,199,633
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value \| Time Deposits [Member]
Deposits	1,201,496	766,294
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value \| Interest rate cap
Derivatives	130,350	177,631
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value \| Interest rate swap
Derivatives	150,401	200,701
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value \| Interest-bearing Deposits [Member]
Interest-bearing deposits at financial institutions	237,632	67,360
Fair Value, Inputs, Level 3 [Member] \| Carrying Value
Loans/leases receivable, net	178,441	28,486
Fair Value, Inputs, Level 3 [Member] \| Estimated Fair Value
Loans/leases receivable, net	181,578	30,765
Fair Value, Measurements, Recurring [Member]
Derivatives	130,350	177,631
Fair Value, Measurements, Recurring [Member] \| Interest rate swap
Derivatives	150,401	200,701
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Derivatives	130,350	177,631
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Interest rate swap
Derivatives	150,401	$ 200,701
Fair Value, Measurements, Nonrecurring [Member]
Loans, net	139,224
Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Loans, net	$ 139,224

Note 8 - BUSINESS SEGMENT INF_3

Note 8 - BUSINESS SEGMENT INFORMATION - (Details)	Mar. 31, 2023 subsidiary
Number of subsidiaries commercial banks	4
Commercial Banking
Number of subsidiaries commercial banks	4

Note 8 - BUSINESS SEGMENT INF_4

Note 8 - BUSINESS SEGMENT INFORMATION - Selected Financial Information on the Company's Business Segments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Total revenue	$ 120,059	$ 66,695
Net interest income	56,810	45,733
Provision for credit losses	3,928	(2,916)
Net income (loss) from continuing operations	27,157	23,624
Goodwill	138,474	74,066	$ 137,607
Intangibles	15,993	8,856	16,759
Total assets	8,036,904	6,175,819	$ 7,948,837
Intersegment Eliminations [Member]
Total revenue	(35,046)	(29,068)
Net interest income	344	346
Net income (loss) from continuing operations	(34,108)	(28,532)
Total assets	(1,258,826)	(948,227)
Commercial Banking \| QCBT \| Operating Segments [Member]
Total revenue	33,124	22,480
Net interest income	16,988	17,314
Provision for credit losses	1,573	(1,259)
Net income (loss) from continuing operations	7,038	9,970
Goodwill	3,223	3,223
Total assets	2,548,473	2,195,894
Commercial Banking \| CRBT \| Operating Segments [Member]
Total revenue	43,123	25,211
Net interest income	17,179	14,323
Provision for credit losses	1,516	(770)
Net income (loss) from continuing operations	16,400	11,129
Goodwill	14,980	14,980
Intangibles	1,108	1,583
Total assets	2,196,560	1,947,737
Commercial Banking \| CSB \| Operating Segments [Member]
Total revenue	16,568	11,316
Net interest income	10,890	9,331
Provision for credit losses	492	(385)
Net income (loss) from continuing operations	4,760	4,126
Goodwill	9,888	9,888
Intangibles	1,878	2,497
Total assets	1,286,227	1,184,708
Commercial Banking \| Guaranty Bank \| Operating Segments [Member]
Total revenue	27,621	7,844
Net interest income	15,372	6,528
Provision for credit losses	347	(502)
Net income (loss) from continuing operations	5,387	3,104
Goodwill	110,383	45,975
Intangibles	13,007	4,776
Total assets	2,147,776	956,345
Other Segments \| Operating Segments [Member]
Total revenue	34,669	28,912
Net interest income	(3,963)	(2,109)
Net income (loss) from continuing operations	27,680	23,827
Total assets	$ 1,116,694	$ 839,362

Note 9 - REGULATORY CAPITAL R_3

Note 9 - REGULATORY CAPITAL REQUIREMENTS - Capital Requirements (Details) $ in Thousands	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Total risk-based capital, actual, amount	$ 1,078,343	$ 1,055,177
Total risk-based capital, actual, ratio	0.1468	0.1428
Total risk-based capital for capital adequacy purposes, amount	$ 587,728	$ 591,132
Total risk-based capital for capital adequacy purposes, ratio	0.0800	0.0800
Total risk-based capital for capital adequacy purposes with capital conservation buffer, amount	$ 771,392	$ 775,861
Total risk-based capital for capital adequacy purposes with capital conservation buffer, ratio	0.1050	0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 734,659	$ 738,915
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.1000	0.1000
Tier 1 risk-based capital, actual, amount	$ 754,221	$ 734,977
Tier 1 risk-based capital, actual, ratio	0.1027	0.0995
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 440,796	$ 443,349
Tier 1 risk-based capital for capital adequacy purposes, ratio	0.0600	0.0600
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, amount	$ 624,460	$ 628,078
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, ratio	0.0850	0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 587,728	$ 591,132
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.0800	0.0800
Tier 1 leverage, actual, amount	$ 754,221	$ 734,977
Tier 1 leverage, actual, ratio	0.0973	0.0961
Tier 1 leverage for capital adequacy purposes, amount	$ 310,214	$ 305,959
Tier 1 leverage for capital adequacy purposes, ratio	0.0400	0.0400
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount	$ 310,214	$ 305,959
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, ratio	0.0400	0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 387,768	$ 382,449
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	0.0500	0.0500
Common equity Tier 1, actual, amount	$ 705,587	$ 686,375
Common equity Tier 1, actual ratio	0.0960	0.0929
Common equity Tier 1 for capital adequacy purposes, amount	$ 330,597	$ 332,512
Common equity Tier 1 for capital adequacy purposes, ratio	0.045%	4.50%
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, amount	$ 514,262	$ 517,241
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, ratio	7%	7%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 477,529	$ 480,295
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
QCBT
Total risk-based capital, actual, amount	$ 282,911	$ 275,337
Total risk-based capital, actual, ratio	0.1315	0.1307
Total risk-based capital for capital adequacy purposes, amount	$ 172,050	$ 168,588
Total risk-based capital for capital adequacy purposes, ratio	0.0800	0.0800
Total risk-based capital for capital adequacy purposes with capital conservation buffer, amount	$ 225,816	$ 221,272
Total risk-based capital for capital adequacy purposes with capital conservation buffer, ratio	0.1050	0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 215,063	$ 210,735
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.1000	0.1000
Tier 1 risk-based capital, actual, amount	$ 256,016	$ 248,978
Tier 1 risk-based capital, actual, ratio	0.1190	0.1181
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 129,038	$ 126,441
Tier 1 risk-based capital for capital adequacy purposes, ratio	0.0600	0.0600
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, amount	$ 182,804	$ 179,125
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, ratio	0.0850	0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 172,050	$ 168,588
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.0800	0.0800
Tier 1 leverage, actual, amount	$ 256,016	$ 248,978
Tier 1 leverage, actual, ratio	0.1106	0.1101
Tier 1 leverage for capital adequacy purposes, amount	$ 92,599	$ 90,419
Tier 1 leverage for capital adequacy purposes, ratio	0.0400	0.0400
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount	$ 92,599	$ 90,419
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, ratio	0.0400	0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 115,748	$ 133,023
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	0.0500	0.0500
Common equity Tier 1, actual, amount	$ 256,016	$ 248,978
Common equity Tier 1, actual ratio	0.1190	0.1181
Common equity Tier 1 for capital adequacy purposes, amount	$ 96,778	$ 94,831
Common equity Tier 1 for capital adequacy purposes, ratio	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, amount	$ 150,544	$ 147,514
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, ratio	7%	7%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 139,791	$ 136,978
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
CRBT
Total risk-based capital, actual, amount	$ 323,605	$ 308,153
Total risk-based capital, actual, ratio	0.1624	0.1484
Total risk-based capital for capital adequacy purposes, amount	$ 159,422	$ 166,168
Total risk-based capital for capital adequacy purposes, ratio	0.0800	0.0800
Total risk-based capital for capital adequacy purposes with capital conservation buffer, amount	$ 209,241	$ 218,096
Total risk-based capital for capital adequacy purposes with capital conservation buffer, ratio	0.1050	0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 199,277	$ 207,711
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.1000	0.1000
Tier 1 risk-based capital, actual, amount	$ 298,757	$ 282,258
Tier 1 risk-based capital, actual, ratio	0.1499	0.1359
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 119,566	$ 124,626
Tier 1 risk-based capital for capital adequacy purposes, ratio	0.0600	0.0600
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, amount	$ 169,386	$ 176,554
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, ratio	0.0850	0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 159,422	$ 166,168
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.0800	0.0800
Tier 1 leverage, actual, amount	$ 298,757	$ 282,258
Tier 1 leverage, actual, ratio	0.1395	0.1317
Tier 1 leverage for capital adequacy purposes, amount	$ 85,658	$ 85,707
Tier 1 leverage for capital adequacy purposes, ratio	0.0400	0.0400
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount	$ 85,658	$ 85,707
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, ratio	0.0400	0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 107,073	$ 107,134
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	0.0500	0.0500
Common equity Tier 1, actual, amount	$ 298,757	$ 282,258
Common equity Tier 1, actual ratio	0.1499	0.1359
Common equity Tier 1 for capital adequacy purposes, amount	$ 89,675	$ 93,470
Common equity Tier 1 for capital adequacy purposes, ratio	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, amount	$ 139,494	$ 145,397
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, ratio	7%	7%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 129,530	$ 135,012
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
CSB
Total risk-based capital, actual, amount	$ 147,754	$ 142,974
Total risk-based capital, actual, ratio	0.1253	0.1204
Total risk-based capital for capital adequacy purposes, amount	$ 94,349	$ 94,981
Total risk-based capital for capital adequacy purposes, ratio	0.0800	0.0800
Total risk-based capital for capital adequacy purposes with capital conservation buffer, amount	$ 123,833	$ 124,662
Total risk-based capital for capital adequacy purposes with capital conservation buffer, ratio	0.1050	0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 117,936	$ 118,726
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.1000	0.1000
Tier 1 risk-based capital, actual, amount	$ 133,007	$ 128,130
Tier 1 risk-based capital, actual, ratio	0.1128	0.1079
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 70,762	$ 71,236
Tier 1 risk-based capital for capital adequacy purposes, ratio	0.0600	0.0600
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, amount	$ 100,246	$ 100,917
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, ratio	0.0850	0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 94,349	$ 94,981
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.0800	0.0800
Tier 1 leverage, actual, amount	$ 133,007	$ 128,130
Tier 1 leverage, actual, ratio	0.1045	0.1009
Tier 1 leverage for capital adequacy purposes, amount	$ 50,899	$ 50,799
Tier 1 leverage for capital adequacy purposes, ratio	0.0400	0.0400
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount	$ 50,899	$ 50,799
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, ratio	0.0400	0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 63,624	$ 63,499
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	0.0500	0.0500
Common equity Tier 1, actual, amount	$ 133,007	$ 128,130
Common equity Tier 1, actual ratio	0.1128	0.1079
Common equity Tier 1 for capital adequacy purposes, amount	$ 53,071	$ 53,427
Common equity Tier 1 for capital adequacy purposes, ratio	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, amount	$ 82,555	$ 83,108
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, ratio	7%	7%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 76,659	$ 77,172
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
Guaranty Bank
Total risk-based capital, actual, amount	$ 246,979	$ 243,106
Total risk-based capital, actual, ratio	0.1241	0.1224
Total risk-based capital for capital adequacy purposes, amount	$ 159,267	$ 158,903
Total risk-based capital for capital adequacy purposes, ratio	0.0800	0.0800
Total risk-based capital for capital adequacy purposes with capital conservation buffer, amount	$ 209,038	$ 208,560
Total risk-based capital for capital adequacy purposes with capital conservation buffer, ratio	0.1050	0.1050
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 199,084	$ 198,629
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.1000	0.1000
Tier 1 risk-based capital, actual, amount	$ 223,668	$ 218,647
Tier 1 risk-based capital, actual, ratio	0.1123	0.1101
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 119,450	$ 119,177
Tier 1 risk-based capital for capital adequacy purposes, ratio	0.0600	0.0600
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, amount	$ 169,221	$ 168,834
Tier 1 risk-based capital for capital adequacy purposes with capital conservation buffer, ratio	0.0850	0.0850
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 159,267	$ 158,903
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	0.0800	0.0800
Tier 1 leverage, actual, amount	$ 223,668	$ 218,647
Tier 1 leverage, actual, ratio	0.1102	0.1090
Tier 1 leverage for capital adequacy purposes, amount	$ 81,171	$ 80,229
Tier 1 leverage for capital adequacy purposes, ratio	0.0400	0.0400
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, amount	$ 81,171	$ 80,229
Tier 1 leverage for capital adequacy purposes with capital conservation buffer, ratio	0.0400	0.0400
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 101,464	$ 100,286
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	0.0500	0.0500
Common equity Tier 1, actual, amount	$ 223,668	$ 218,647
Common equity Tier 1, actual ratio	0.1123	0.1101
Common equity Tier 1 for capital adequacy purposes, amount	$ 89,588	$ 89,383
Common equity Tier 1 for capital adequacy purposes, ratio	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, amount	$ 139,359	$ 139,040
Common equity Tier 1 for capital adequacy purposes with capital conservation buffer, ratio	7%	7%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 129,404	$ 129,109
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%