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LOANS (Tables)
 12 Months Ended
Dec. 31, 2022
Receivables [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable
The following table presents the composition of loans segregated by legacy and purchased loans and by class of loans, as of December 31, 2022 and 2021. Purchased loans are defined as loans that were acquired in bank acquisitions.
 
 
 December 31, 2022
(dollars in thousands)Legacy LoansPurchased LoansTotal
Construction, land & land development$216,206 $13,229 $229,435 
Other commercial real estate847,684 127,763 975,447 
Total commercial real estate1,063,890 140,992 1,204,882 
Residential real estate249,390 40,664 290,054 
Commercial, financial & agricultural(*)
210,413 13,510 223,923 
Consumer & other17,296 951 18,247 
Total loans$1,540,989 $196,117 $1,737,106 
 
 December 31, 2021
(dollars in thousands)Legacy LoansPurchased LoansTotal
Construction, land & land development$119,953 $45,493 $165,446 
Other commercial real estate595,739 191,653 787,392 
Total commercial real estate715,692 237,146 952,838 
Residential real estate159,469 53,058 212,527 
Commercial, financial & agricultural(*)113,040 41,008 154,048 
Consumer & other16,003 2,561 18,564 
Total loans$1,004,204 $333,773 $1,337,977 
(*) Includes $95,000 and $9.0 million in PPP loans as of December 31, 2022 and 2021, respectively.
Schedule of Financing Receivable Credit Quality Indicators
The following tables present the loan portfolio, excluding purchased loans, by credit quality indicator (risk grade) as of December 31, 2022. Those loans with a risk grade of 1, 2, 3, 4, and 5 have been combined in the pass column for presentation purposes. For the periods ending December 31, 2022, the Company did not have any loans classified as “doubtful” or a “loss”.
 
(dollars in thousands)PassSpecial
Mention		SubstandardTotal Loans
Construction, land & land development$215,265 $290 $651 $216,206 
Other commercial real estate827,300 14,236 6,148 847,684 
Total commercial real estate1,042,565 14,526 6,799 1,063,890 
Residential real estate239,570 5,976 3,844 249,390 
Commercial, financial & agricultural207,935 812 1,666 210,413 
Consumer & other17,206 54 36 17,296 
Total loans$1,507,276 $21,368 $12,345 $1,540,989 
The following table presents the purchased loan portfolio by credit quality indicator (risk grade) as of December 31, 2022.
 
(dollars in thousands)PassSpecial
Mention		SubstandardTotal Loans
Construction, land & land development$13,229 $— $— $13,229 
Other commercial real estate123,826 3,326 611 127,763 
Total commercial real estate137,055 3,326 611 140,992 
Residential real estate38,360 598 1,706 40,664 
Commercial, financial & agricultural12,973 73 464 13,510 
Consumer & other951 — — 951 
Total loans$189,339 $3,997 $2,781 $196,117 
The following tables present the loan portfolio, excluding purchased loans, by credit quality indicator (risk grade) as of December 31, 2021. Those loans with a risk grade of 1, 2, 3 or 4 have been combined in the pass column for presentation purposes. For the periods ending December 31, 2021, the Company did not have any loans classified as “doubtful” or a “loss”.
 
(dollars in thousands)PassSpecial
Mention		SubstandardTotal Loans
Construction, land & land development$116,524 $3,154 $275 $119,953 
Other commercial real estate562,228 25,718 7,793 595,739 
Total commercial real estate678,752 28,872 8,068 715,692 
Residential real estate148,507 5,733 5,229 159,469 
Commercial, financial & agricultural100,282 11,460 1,298 113,040 
Consumer & other15,787 78 138 16,003 
Total loans$943,328 $46,143 $14,733 $1,004,204 

The following table presents the purchased loan portfolio by credit quality indicator (risk grade) as of December 31, 2021.
 
(dollars in thousands)PassSpecialSubstandardTotal Loans
Construction, land & land development$45,432 $— $61 $45,493 
Other commercial real estate186,905 3,518 1,230 191,653 
Total commercial real estate232,337 3,518 1,291 237,146 
Residential real estate49,875 563 2,620 53,058 
Commercial, financial & agricultural40,711 — 297 41,008 
Consumer & other2,558 3 — 2,561 
Total loans$325,481 $4,084 $4,208 $333,773 
Schedule of Age Analysis of Past Due Loans and Nonaccrual Loans
The following table represents an age analysis of past due loans and nonaccrual loans, segregated by class of loans, excluding purchased loans, as of December 31, 2022:
 
 Accruing Loans   
(dollars in thousands)30-89 Days
Past Due		90 Days
or More
Past Due		Total Accruing
Loans Past Due		Nonaccrual
Loans		Current LoansTotal Loans
Construction, land & land development$— $— $— $149 $216,057 $216,206 
Other commercial real estate395 — 395 1,389 845,900 847,684 
Total commercial real estate395 — 395 1,538 1,061,957 1,063,890 
Residential real estate870 — 870 1,875 246,645 249,390 
Commercial, financial & agricultural403 — 403 878 209,132 210,413 
Consumer & other40 — 40 21 17,235 17,296 
Total loans$1,708 $— $1,708 $4,312 $1,534,969 $1,540,989 
The following table represents an age analysis of past due loans and nonaccrual loans, segregated by class of loans, for purchased loans, as of December 31, 2022:
 
 Accruing Loans   
(dollars in thousands)30-89 Days
Past Due		90 Days
or More
Past Due		Total Accruing
Loans Past Due		Nonaccrual
Loans		Current LoansTotal Loans
Construction, land & land development$— $— $— $— $13,229 $13,229 
Other commercial real estate— — — 120 127,643 127,763 
Total commercial real estate— — — 120 140,872 140,992 
Residential real estate12 — 12 811 39,841 40,664 
Commercial, financial & agricultural73 — 73 463 12,974 13,510 
Consumer & other— — — — 951 951 
Total loans$85 $— $85 $1,394 $194,638 $196,117 
The following table represents an age analysis of past due loans and nonaccrual loans, segregated by class of loans, excluding purchased loans, as of December 31, 2021:
 
 Accruing Loans   
(dollars in thousands)30-89 Days
Past Due		90 Days
or More
Past Due		Total Accruing
Loans Past Due		Nonaccrual
Loans		Current LoansTotal Loans
Construction, land & land development$6 $— $6 $— $119,947 $119,953 
Other commercial real estate349 — 349 577 594,813 595,739 
Total commercial real estate355 — 355 577 714,760 715,692 
Residential real estate421 — 421 2,641 156,407 159,469 
Commercial, financial & agricultural69 — 69 708 112,263 113,040 
Consumer & other93 — 93 26 15,884 16,003 
Total loans$938 $— $938 $3,952 $999,314 $1,004,204 
The following table represents an age analysis of past due loans and nonaccrual loans, segregated by class of loans, for purchased loans, as of December 31, 2021:
 
 Accruing Loans   
(dollars in thousands)30-89 Days
Past Due		90 Days
or More
Past Due		Total Accruing
Loans Past Due		Nonaccrual
Loans		Current LoansTotal Loans
Construction, land & land development$2,680 $— $2,680 $31 $42,782 $45,493 
Other commercial real estate— — — 260 191,393 191,653 
Total commercial real estate2,680 — 2,680 291 234,175 237,146 
Residential real estate560 — 560 1,198 51,300 53,058 
Commercial, financial & agricultural389 — 389 — 40,619 41,008 
Consumer & other— — — 8 2,553 2,561 
Total loans$3,629 $— $3,629 $1,497 $328,647 $333,773 
Schedule of Impaired Loans
The following table details impaired loan data, including purchased credit impaired loans, as of December 31, 2022:
 
(dollars in thousands)Unpaid
Contractual
Principal
Balance		Recorded
investment		Related
allowance		Average
Recorded
Investment
With No Related Allowance Recorded    
Construction, land & land development$40 $40 $— $10 
Other commercial real estate3,754 3,754 — 5,311 
Residential real estate62 62 — 570 
Commercial, financial & agricultural— — — 306 
Consumer & other— — — 1 
Total Impaired Loans with no Allowance3,856 3,856 — 6,198 
With An Allowance Recorded
Construction, land & land development474 474 44 177 
Other commercial real estate— — — 503 
Residential real estate— — — 588 
Commercial, financial & agricultural— — — 369 
Consumer & other— — — — 
Total Impaired Loans with Allowance474 474 44 1,637 
Purchased Credit Impaired Loans
Construction, land & land development— — — — 
Other commercial real estate798 798 33 760 
Residential real estate— — — 13 
Commercial, financial & agricultural— — — — 
Consumer & other— — — 65 
Total Purchased Credit Impaired Loans798 798 33 838 
Total
Construction, land & land development514 514 44 187 
Other commercial real estate4,552 4,552 33 6,574 
Residential real estate62 62 — 1,171 
Commercial, financial & agricultural— — — 675 
Consumer & other— — — 66 
 $5,128 $5,128 $77 $8,673 
The following table details impaired loan data as of December 31, 2021, including purchased credit impaired loans.
 
(dollars in thousands)Unpaid
Contractual
Principal
Balance		Recorded
Investment		Related
Allowance		Average
Recorded
Investment
With No Related    
Allowance Recorded    
Construction, land & land development$62 $62 $— $4,311 
Other commercial real estate7,203 6,369 — 8,113 
Residential real estate958 997 — 1,083 
Commercial, financial & agricultural75 75 — 56 
Consumer & other— — — — 
 8,298 7,503 — 13,563 
With An Allowance Recorded
Construction, land & land development— — — — 
Other commercial real estate430 483 148 4,429 
Residential real estate685 773 108 1,029 
Commercial, financial & agricultural— — — 79 
Consumer & other— — — 1 
 1,115 1,256 256 5,538 
Purchase credit impaired
Construction, land & land development— — — 51 
Other commercial real estate2,003 1,916 18 802 
Residential real estate4 — 6 7 
Commercial, financial & agricultural— — — 35 
Consumer & other192 73 96 72 
2,199 1,989 120 967 
Total
Construction, land & land development62 62 — 4,362 
Other commercial real estate9,636 8,768 166 13,344 
Residential real estate1,647 1,770 114 2,119 
Commercial, financial & agricultural75 75 — 170 
Consumer & other192 73 96 73 
 $11,612 $10,748 $376 $20,068