CapStar Financial (CSTR) 10-K12 Mar 242023 FY Annual reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - USD ($) $ in Thousands	12 Months Ended
Document and Entity Information - USD ($) $ in Thousands	Dec. 31, 2023	Feb. 29, 2024	Jun. 30, 2023
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2023
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	FY
Trading Symbol	CSTR
Entity Registrant Name	CAPSTAR FINANCIAL HOLDINGS, INC.
Entity Central Index Key	0001676479
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		20,813,615
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Current Reporting Status	Yes
Entity Shell Company	false
ICFR Auditor Attestation Flag	true
Entity File Number	001-37886
Entity Tax Identification Number	81-1527911
Entity Address, Address Line One	1201 Demonbreun Street
Entity Address, Address Line Two	Suite 700
Entity Address, City or Town	Nashville
Entity Address, State or Province	TN
Entity Address, Postal Zip Code	37203
City Area Code	615
Local Phone Number	732-6400
Document Annual Report	true
Document Transition Report	false
Entity Incorporation, State or Country Code	TN
Title of 12(b) Security	Common Stock, $1.00 par value per share
Security Exchange Name	NASDAQ
Entity Interactive Data Current	Yes
Entity Voluntary Filers	No
Entity Well Known Seasoned Issuer	No
Entity Public Float			$ 256,252,717
Document Financial Statement Error Correction [Flag]	false
Documents Incorporated by Reference	DOCUMENTS INCORPORATED BY REFERENCE None.
Auditor Name	Elliott Davis, PLLC
Auditor Location	Raleigh, North Carolina
Auditor Firm Id	149

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 25,752	$ 25,280
Interest-bearing deposits in financial institutions	223,859	105,558
Federal funds sold	10,000	4,467
Total cash and cash equivalents	259,611	135,305
Securities available-for-sale, at fair value net of allowance for credit losses of $2,000 and $0 at December 31, 2023 and 2022, respectively	359,320	396,416
Securities held-to-maturity, fair value of $0 and $1,240 at December 31, 2023 and 2022, respectively	0	1,240
Loans held for sale, includes $10,287 and $12,636 measured at fair value at December 31, 2023 and 2022, respectively	32,264	44,708
Loans held for investment	2,269,746	2,312,798
Less allowance for credit losses on loans	(24,292)	(23,806)
Loans, net	2,245,454	2,288,992
Premises and equipment, net	22,994	24,855
Restricted equity securities	13,334	16,632
Accrued interest receivable	12,588	10,511
Goodwill	41,068	41,068
Core deposit intangible, net	3,560	5,001
Other real estate owned, net	11	0
Other assets	151,971	152,441
Total assets	3,142,175	3,117,169
Deposits:
Noninterest-bearing	360,397	512,076
Interest-bearing	988,963	749,857
Savings and money market accounts	658,080	709,190
Time	654,812	708,696
Total deposits	2,662,252	2,679,819
Federal Home Loan Bank advances	50,000	15,000
Subordinated notes	29,800	29,666
Other liabilities	38,565	38,502
Total liabilities	2,780,617	2,762,987
Shareholders’ equity:
Additional paid-in capital	227,185	240,863
Adoption of new accounting standard	158,934	141,657
Accumulated other comprehensive loss, net of tax	(45,268)	(50,052)
Total shareholders’ equity	361,558	354,182
Total liabilities and shareholders’ equity	3,142,175	3,117,169
Voting
Shareholders’ equity:
Common stock, voting, $1 par value; 25,000,000 shares authorized 20,707,356 and 21,714,380 shares issued and outstanding at December 31, 2023 and 2022, respectively	$ 20,707	$ 21,714

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Securities available for sale, allowance for credit loss	$ 2,000	$ 0
Securities held to maturity, fair value	0	1,240
Loans held for sale carried at fair value	$ 10,287	$ 12,636
Voting
Common stock, par value	$ 1	$ 1
Common stock, shares authorized	25,000,000	25,000,000
Common stock, shares issued	20,707,356	21,714,380
Common stock, shares outstanding	20,707,356	21,714,380

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest income:
Loans, including fees	$ 137,072	$ 101,501	$ 89,219
Securities:
Taxable	7,927	7,642	6,573
Tax-exempt	1,218	1,268	1,408
Federal funds sold	194	76	21
Restricted equity securities	1,048	784	640
Interest-bearing deposits in financial institutions	10,729	2,262	598
Total interest income	158,188	113,533	98,459
Interest expense:
Interest-bearing deposits	21,344	4,479	1,626
Savings and money market accounts	16,454	5,102	1,203
Time deposits	29,990	5,421	2,873
Federal funds purchased	0	2	0
Federal Home Loan Bank advances	2,944	862	12
Subordinated notes	1,575	1,575	1,575
Total interest expense	72,307	17,441	7,289
Net interest income	85,881	96,092	91,170
Provision for credit losses:
(Recovery of) provision for credit losses on loans	(206)	2,474	(1,066)
Provision for credit losses on available-for-sale securities	2,000	0	0
Recovery of Provision for Credit Losses on Unfunded Commitments	(945)	0	0
Total provision for credit losses	849	2,474	(1,066)
Net interest income after provision for loan losses	85,032	93,618	92,236
Noninterest income:
Deposit service charges	5,289	4,781	4,515
Interchange and debit card transaction fees	4,879	5,053	4,816
Mortgage banking	3,383	5,073	16,058
Tri-Net	84	78	8,613
Wealth management	1,710	1,687	1,850
SBA lending	3,323	2,501	2,060
Net gain on sale of securities	5	8	28
Bank owned life insurance	3,942	2,996	1,829
Other noninterest income	3,536	2,345	2,912
Total noninterest income	26,151	24,522	42,681
Noninterest expense:
Salaries and employee benefits	40,314	38,065	41,758
Data processing and software	12,884	11,152	11,248
Occupancy	4,514	4,299	4,205
Equipment	2,592	2,988	3,507
Professional services	3,067	2,175	2,155
Regulatory fees	1,806	1,080	1,031
Acquisition related expenses	1,682	0	323
Amortization of intangibles	1,441	1,690	1,939
Other noninterest expense	6,684	7,921	7,375
Total noninterest expense	74,984	69,370	73,541
Income before income taxes	36,199	48,770	61,376
Income tax expense	6,395	9,753	12,699
Net income	$ 29,804	$ 39,017	$ 48,677
Per share information:
Basic net income per share of common stock	$ 1.41	$ 1.77	$ 2.20
Diluted net income per share of common stock	$ 1.41	$ 1.77	$ 2.19
Weighted average shares outstanding:
Basic	21,142,177	22,010,462	22,127,919
Diluted	21,172,712	22,059,855	22,179,461

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Comprehensive Income [Abstract]
Net Income (Loss)	$ 29,804	$ 39,017	$ 48,677
Unrealized gains (losses) on securities available-for-sale:
Unrealized gains (losses) gains arising during the period	6,455	(65,897)	(12,141)
Reclassification adjustment for gains included in net income	(5)	(8)	(28)
Tax effect	(1,666)	17,123	(3,171)
Other comprehensive income (loss), net of tax	4,784	(48,782)	(8,998)
Comprehensive income (loss)	$ 34,588	$ (9,765)	$ 39,679

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Total	Cumulative Effect, Period of Adoption, Adjustment	Common Stock, Voting	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive (Loss) Income
Beginning balance at Dec. 31, 2020	$ 343,486		$ 21,989	$ 246,890	$ 66,879	$ 7,728
Beginning balance, shares at Dec. 31, 2020			21,988,803
Net issuance of restricted common stock	(219)		$ 110	(329)
Net issuance of restricted common stock, shares			110,103
Stock-based compensation expense	1,600			1,600
Net exercise of common stock options	$ 1,077		$ 94	983
Net exercise of common stock options, shares	96,344		94,483
Repurchase of common stock	$ (462)		$ (27)	(435)
Repurchase of common stock, shares			(27,260)
Common stock dividends declared	(5,067)				(5,067)
Net Income (Loss)	48,677				48,677
Other Comprehensive income (loss)	(8,998)					(8,998)
Ending balance at Dec. 31, 2021	380,094		$ 22,166	248,709	110,489	(1,270)
Ending balance, shares at Dec. 31, 2021			22,166,129
Net issuance of restricted common stock	(130)		$ 40	(170)
Net issuance of restricted common stock, shares			40,267
Stock-based compensation expense	1,355			1,355
Net exercise of common stock options	$ 51		$ 6	45
Net exercise of common stock options, shares	5,800		5,800
Repurchase of common stock	$ (9,574)		$ (498)	(9,076)
Repurchase of common stock, shares			(497,816)
Common stock dividends declared	(7,849)				(7,849)
Net Income (Loss)	39,017				39,017
Other Comprehensive income (loss)	(48,782)					(48,782)
Ending balance at Dec. 31, 2022	354,182		$ 21,714	240,863	141,657	(50,052)
Ending balance, shares at Dec. 31, 2022			21,714,380
Adoption of new accounting standard	141,657
Net issuance of restricted common stock	(192)		$ 64	(256)
Net issuance of restricted common stock, shares			65,494
Stock-based compensation expense	1,677			1,677
Net exercise of common stock options	$ 277		$ 32	245
Net exercise of common stock options, shares	31,458		31,458
Repurchase of common stock	$ (16,447)		$ (1,103)	(15,344)
Repurchase of common stock, shares			(1,103,976)
Common stock dividends declared	(9,083)				(9,083)
Net Income (Loss)	29,804				29,804
Other Comprehensive income (loss)	4,784					4,784
Ending balance at Dec. 31, 2023	361,558		$ 20,707	$ 227,185	158,934	$ (45,268)
Ending balance, shares at Dec. 31, 2023			20,707,356
Adoption of new accounting standard	$ 158,934	$ (3,444)			$ (3,444)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Stockholders' Equity [Abstract]
Common stock, dividends per share	$ 0.43	$ 0.36	$ 0.23

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Cash flows from operating activities:
Net income	$ 29,804	$ 39,017	$ 48,677
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for (recovery of) credit losses	849	2,474	(1,066)
Amortization of discounts on acquired loan and deferred fees, net	488	681	(7,016)
Depreciation and amortization	2,816	3,174	3,452
Net amortization of premiums on investment securities	1,383	1,828	2,435
Net gain on sale of securities	(5)	(8)	(28)
Mortgage banking	$ (3,383)	$ (5,073)	$ (16,058)
Type of Revenue [Extensible List]	us-gaap:MortgageBankingMember	us-gaap:MortgageBankingMember	us-gaap:MortgageBankingMember
Tri-Net	$ (84)	$ (78)	$ (8,613)
SBA lending	(3,323)	(2,501)	(2,060)
Net gain on disposal of premises and equipment	(5)	(14)	(21)
Net gain on sale of other real estate owned	0	(102)	(49)
Stock-based compensation	1,677	1,355	1,600
Deferred income tax expense (benefit)	88	470	(207)
Origination of loans held for sale	(240,980)	(685,622)	(1,288,434)
Proceeds from loans held for sale	260,214	626,778	1,397,992
Cash payments arising from operating leases	(2,352)	(2,194)	(2,074)
Amortization of debt issuance expense	134	134	109
Net (increase) decrease in accrued interest receivable and other assets	82	(2,829)	(15,318)
Net increase (decrease) in accrued interest payable and other liabilities	(3,045)	(1,207)	3,043
Net cash provided by (used in) operating activities	44,358	(23,717)	116,364
Cash flows from investing activities:
Purchases	0	(68,895)	(92,465)
Sales	2,506	0	0
Maturities, prepayments and calls	37,671	64,177	104,733
Maturities, prepayments and calls	1,230	515	600
Net redemption (purchase) of restricted equity securities	3,298	(2,179)	1,109
Net decrease (increase) in loans	41,952	(242,573)	(57,110)
Purchase of premises and equipment	(809)	(981)	(503)
Proceeds from the sale of premises and equipment	1,310	429	21
Proceeds from sale of other real estate	0	368	2,328
Proceeds from (purchases of) bank owned life insurance	802	0	(39,000)
Net cash provided by (used in) investing activities	87,960	(249,139)	(80,287)
Cash flows from financing activities:
Net increase (decrease) in deposits	(17,567)	(4,462)	116,280
Proceeds from Federal Home Loan Bank advances	535,500	395,000	0
Payments on Federal Home Loan Bank advances	(500,500)	(380,000)	(10,000)
Repurchase of common stock	(16,447)	(9,574)	(462)
Exercise of common stock options, net of repurchase of restricted shares	85	(79)	858
Common stock dividends paid	(9,083)	(7,849)	(5,067)
Net cash provided by (used in) financing activities	(8,012)	(6,964)	101,609
Net increase (decrease) in cash and cash equivalents	124,306	(279,820)	137,686
Cash and cash equivalents at beginning of period	135,305	415,125	277,439
Cash and cash equivalents at end of period	259,611	135,305	415,125
Supplemental disclosures of cash paid:
Interest paid	66,912	15,427	8,075
Income taxes paid	8,691	8,860	16,045
Supplemental disclosures of noncash transactions:
Cumulative effect adjustment due to adoption of CECL accounting standard under ASC 326, net of taxes	(3,444)	0	0
Transfer of loans to other real estate	11	0	2,022
Loans charged off to the allowance for credit losses on loans	1,176	756	647
Lease liabilities arising from obtaining right-of-use assets	721	570	0
Unrealized losses on securities available for sale, net of tax	4,784	(48,782)	(8,998)
Loans transferred from held-for-sale to held-for-investment, net of loans from held-for-investment transferred to held-for-sale	$ 0	$ 105,503	$ 18,396

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Pay vs Performance Disclosure
Net Income (Loss)	$ 29,804	$ 39,017	$ 48,677

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Dec. 31, 2023 shares
Trading Arrangements, by Individual
Material Terms of Trading Arrangement	On December 15, 2024, Mr. Christopher Tietz , our Chief Banking Officer , due to the Company's entry into the Old National Merger Agreement, terminated a 10b5-1 plan that he adopted in February 2023 that was effective on March 7, 2023 that provided for up to 10,000 shares of CapStar common stock to be sold. The 10b5-1 plan was to have had a term through December 31, 2027 .
Name	Mr. Christopher Tietz
Title	Chief Banking Officer
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	March 7, 2023
Rule 10b5-1 Arrangement Terminated	true
Termination Date	December 31, 2027
Arrangement Duration	4 years 9 months 24 days
Aggregate Available	10,000

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
Summary of Significant Accounting Policies	Dec. 31, 2023
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of Presentation The consolidated financial statements as of December 31, 2023 and 2022 and for each of the three years in the period ended December 31, 2023 include CapStar Financial Holdings, Inc. and its wholly owned subsidiary, CapStar Bank (the “Bank”, together referred to as the “Company”). Significant intercompany transactions and accounts are eliminated in consolidation. The consolidated financial statements of the Company have been prepared in conformity with U.S. generally accepted accounting principles (“GAAP”) and conform to general practices within the banking industry. Business Combinations The Company accounts for business combinations using the acquisition method of accounting. The accounts of an acquired entity are included as of the date of acquisition, and any excess of purchase price over the fair value of the net assets acquired is capitalized as goodwill. Under this method, all identifiable assets acquired, including purchased loans, and liabilities assumed are recorded at fair value. The Company typically issues common stock and/or pays cash for an acquisition, depending on the terms of the acquisition agreement. The value of shares of common stock issued is determined based on the market price of the stock as of the closing of the acquisition. Nature of Operations Through the Bank, the Company provides full banking services to consumer and corporate customers located primarily in Tennessee. The Bank operates under a state bank charter and is a member of the Federal Reserve System. As a state member bank, the Bank is subject to regulations of the Tennessee Department of Financial Institutions, the Board of Governors of the Federal Reserve System (the “Federal Reserve”), and the Federal Deposit Insurance Corporation. Reclassifications Certain amounts, previously reported, have been reclassified to state all periods on a comparable basis and had no effect on shareholders' equity or net income. Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses, determination of impairment of intangible assets, including goodwill, the valuation of our investment portfolio, the valuation of loans held for sale, and deferred tax assets. Adoption of New Accounting Standards On January 1, 2023, the Company adopted ASU 2016-13 Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, as amended ("ASC 326"), which replaced the incurred loss methodology with an expected loss methodology that is referred to as the current expected credit loss ("CECL") methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) ("unfunded commitments"). In addition, ASC 326 made changes to the accounting for available-for-sale debt securities. One such change is to require credit losses to be presented as an allowance rather than as a write-down on available-for-sale debt securities management does not intend to sell or believes that it is more likely than not they will be required to sell. The Company adopted ASC 326 using the modified retrospective method for all financial assets measured at amortized cost and unfunded commitments credit exposures. Results for reporting periods beginning after January 1, 2023 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP ("incurred loss"). The Company recorded a net decrease to retained earnings of $ 3.4 million as of January 1, 2023 for the cumulative adoption effect of adopting ASC 326. The transition adjustment includes a $ 1.5 million increase in the allowance for credit losses ("ACL") on loans inclusive of a $ 0.2 million reclassification of purchased accounting discounts reclassified to the ACL on loans, a $ 3.4 million increase in the ACL on unfunded commitments credit exposures, and a $ 1.3 million increase in deferred tax assets. The Company adopted ASC 326 using the prospective transition approach for financial assets purchased with credit deterioration ("PCD") that were previously classified as purchased credit impaired ("PCI") and accounted for under ASC 310-30. In accordance with the standard, management did not reassess whether PCI assets met the criteria of PCD assets as of the date of adoption. On January 1, 2023, the amortized cost basis of the PCD assets were adjusted to reflect the addition of $ 0.2 million of the ACL. The remaining noncredit discount (based on the adjusted amortized cost basis) will be accreted into interest income at the effective interest rate as of January 1, 2023. As allowed by ASC 326, the Company elected to maintain pools of loans accounted for under ASC 310-30. Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest-bearing deposits in financial institutions and federal funds sold. Generally, federal funds are purchased and sold for one-day periods. The Company maintains deposits in excess of the federal insurance amounts with other financial institutions. Management makes deposits only with financial institutions it considers to be financially sound. Securities The Bank accounts for securities under the provisions of Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 320, Investments – Debt and Equity Securities . Under the provisions of FASB ASC 320, securities are to be classified in three categories and accounted for as follows: Securities Held-to-Maturity - Debt securities are classified as held-to-maturity securities when the Bank has the positive intent and ability to hold the securities to maturity. Securities held to maturity are carried at amortized cost. Trading Securities - Debt and equity securities that are bought and held principally for the purpose of selling them in the near term are classified as trading securities and reported at fair value, with unrealized gains and losses included in earnings. No securities have been classified as trading securities. Securities Available-for-Sale - Debt securities not classified as either held-to-maturity securities or trading securities are classified as available for sale securities. Securities available for sale are carried at estimated fair value with unrealized gains and losses excluded from earnings and reported as a separate component of shareholders’ equity in other comprehensive income (loss). Interest income includes amortization of purchase premiums or discounts. Premiums and discounts on securities are generally amortized on the level-yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Premiums on callable debt securities are amortized to their earliest call date. Gains and losses on sale are recorded on the trade date and determined using the specific identification method. A debt security is placed on non-accrual status at the time any principal or interest payments become over 90 days delinquent. Interest accrued but not received for a security placed on non-accrual is reversed against interest income. ACL - Available-for-Sale Securities For available-for-sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or if it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security's amortized cost basis is written down to fair value through income. For debt securities available-for sale that do not meet the aforementioned criteria, the Company evaluated whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considered the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an ACL is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an ACL is recognized in other comprehensive income. Changes in the ACL are recorded as credit loss expense (or reversal). Losses are charged against the allowance when management believes the uncollectibility of an available-for-sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Accrued interest receivable on available-for-sale debt securiti es totaled $ 1.6 million at Dece mber 31, 2023 and is excluded from the estimate of credit losses. Loans Held For Sale and Fair Value Option The Company classifies loans as loans held for sale when originated with the intent to sell. As of April 1, 2019, the Company elected the fair value option for all residential mortgage loans originated with the intent to sell. This election allows for a more effective offset of the changes in fair values of the loans and the derivative instruments used to economically hedge them without the burden of complying with the requirements for hedge accounting. The Company has not elected the fair value option for other loans held for sale primarily because they are not economically hedged using derivative instruments. The fair value of residential mortgage loans originated with the intent to sell is based on traded market prices of similar assets. Other loans held for sale, such as SBA loans or Tri-Net loans, that are recorded at lower of cost or fair value may be carried at fair value on a nonrecurring basis when the fair value is less than cost. No SBA loans or Tri-Net loans were measured at fair value as of December 31, 2023. For further information, see Note 22 - Fair Value. The Company does not securitize mortgage loans. If the Company sells loans with servicing rights retained, the carrying value of the mortgage loan sold is reduced by the amount allocated to the servicing right. The changes in fair value are recorded as a component of mortgage banking income and included gains (losses) of $ 0.2 million, ($ 0.5 ) million, and $( 2.5 ) million for the years ended December 31, 2023, 2022, and 2021, respectively. The following table summarizes the difference between the fair value and the aggregate unpaid principal balance for residential real estate loans held for sale as of December 31, 2023 and 2022 (dollars in thousands): Fair Value Aggregate Unpaid Principal Balance Difference December 31, 2023 Residential mortgage loans held for sale $ 10,287 $ 10,043 $ 244 December 31, 2022 Residential mortgage loans held for sale $ 12,636 $ 12,582 $ 54 Tri-Net Fees Tri-Net fees are derived from the origination of commercial real estate loans with the intent to sell to third-party investors. All of these loan sales transfer servicing rights to the buyer. Realized gains and losses are recognized when legal title of the loan has transferred to the investor and sales proceeds have been received and are reflected in the accompanying statements of income in Tri-Net fees, net of related costs such as commission expenses. Loans that have not been sold at period end are classified as held for sale on the balance sheet and recorded at the lower of aggregate cost or fair value. Net unrealized losses, if any, are recorded as a valuation allowance and charged to earnings. Loans The Company has six classes of loans held for investment: commercial real estate, consumer real estate, construction and land development, commercial and industrial, consumer, and other. The appropriate classification is determined based on the underlying collateral utilized to secure each loan. Commercial real estate includes both owner-occupied and non-owner occupied properties. The repayment of owner-occupied properties is largely dependent on the operations of the tenant, while non-owner occupied properties is dependent upon the refinance or sale of the underlying real estate. Consumer real estate consists primarily of 1-4 family residential properties including home equity lines of credit. Construction and land development loans include loans where the repayment is dependent on the successful completion and operation and/or sale of the related real estate project. Construction and land development loans include 1-4 family construction projects and commercial construction endeavors such as warehouses, apartments, office and retail space and land acquisition and development. Commercial and industrial loans include loans to business enterprises issued for commercial, industrial and/or other professional purposes. Consumer loans include all loans issued to individuals not included in the consumer real estate class. Other loans include all loans not included in the classes of loans above and leases. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at amortized cost, net of the ACL. Amortized cost is the principal balance outstanding, net of purchase premiums and discounts, and deferred loan fees and costs. Accrued interest receivable is reported in accrued interest receivable on the consolidated balance sheets and is excluded from the estimate of credit losses. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments. Interest income on mortgage and commercial loans is discontinued and placed on non-accrual status at the time the loan is 90 days delinquent unless the loan is well secured and in process of collection. Mortgage loans are charged off at 180 days past due, and commercial loans are charged off to the extent principal or interest is deemed uncollected. Consumer and credit card loans continue to accrue interest until they are charged off no later than 120 days past due unless the loan is in the process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on non-accrual or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received for loans placed on non-accrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Under the cost-recovery method, interest income is not recognized until the loan balance is reduced to zero. Under the cash-basis method, interest income is recorded when the payment is received in cash. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Acquired Loans Acquired loans are accounted for under the acquisition method of accounting. The acquired loans are recorded at their estimated fair values as of the acquisition date. Fair value of acquired loans is determined using a discounted cash flow model based on assumptions regarding the amount and timing of principal and interest payments, estimated prepayments, estimated default rates, estimated loss severity in the event of defaults, and current market rates. Estimated credit losses are included in the determination of fair value; therefore, an allowance for loan losses is not recorded on the acquisition date. Acquired non-impaired loans are recorded at their initial fair value and adjusted for subsequent advances, pay downs, amortization or accretion of any premium or discount on purchase, charge-offs and additional provisioning that may be required. Purchase Credit Deteriorated ("PCD") Loans The Company has purchased loans, some of which have experienced more than insignificant credit deterioration since origination. PCD loans are recorded at the amount paid. An ACL is determined using the same methodology as other loans held for investment. The initial ACL determined on a collective basis is allocated to individual loans. The sum of the loan's purchase price and ACL becomes its initial amortized cost basis. The differences between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the ACL are recorded through credit loss expense. Upon adoption of ASC 326, the Company elected to maintain pools of loans that were previously accounted for under ASC 310-30 and will continue to account for these pools as a unit of account. Loans are only removed from the existing pools if they are written off, paid off, or sold. Upon adoption of ASC 326, the ACL was determined for each pool and added to the pool's carrying amount to establish a new amortized cost basis. The difference between the unpaid principal balance of the pool and the new amortized cost basis is the noncredit premium or discount which will be amortized into interest income over the remaining life of the pool. Changes to the ACL after adoption are recorded through credit loss expense. ACL - Loans The ACL is a valuation account that is deducted from the loans' amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged off against the ACL when management believes the uncollectibility of a loan balance is confirmed. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Management estimates the ACL balance using relevant available information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. Historical credit loss experience provides the basis for the estimation of expected credit losses for the different categories of loans. Qualitative adjustments to estimates are made for differences in underwriting standards, portfolio mix, delinquency level, or term as well as for changes in unemployment rates, property values, or other relevant factors. The ACL is measured on a collective (pool) basis when similar risk characteristics exist. The Company has identified the following portfolio segments and measures the ACL for each using a discounted cash flow methodology at the loan level, with loss rates, prepayment assumptions and curtailment assumptions driven by each loan’s collateral type. Owner occupied commercial real estate - Loans in this category are susceptible to business failure and general economic conditions. Non owner occupied commercial real estate - Common risks for this loan category are declines in general economic conditions, declines in real estate value, declines in occupancy rates, and lack of suitable alternative use for the property. Commercial & industrial - Risks to this loan category include the inability to monitor the condition of the collateral, which often consists of inventory, accounts receivable and other non-real estate assets. Equipment and inventory obsolescence can also pose a risk. Declines in general economic conditions and other events can cause cash flows to fall to levels insufficient to service debt. Commercial construction - Risks common to commercial construction loans are cost overruns, changes in market demand for property, inadequate long-term financing arrangements and declines in real estate values. Residential mortgage - Residential mortgage loans are susceptible to weakening general economic conditions, increases in unemployment rates and declining real estate values. Home equity lines of credit - Risks common to home equity lines of credit are general economic conditions, including an increase in unemployment rates, and declining real estate values that reduce or eliminate the borrower’s home equity. Residential construction - Residential construction loans are susceptible to the same risks as residential mortgage loans. Changes in market demand for property lead to longer marketing times resulting in higher carrying costs and declining values. Consumer - Risks common to consumer direct loans include unemployment and changes in local economic conditions as well as the inability to monitor collateral consisting of personal property. Loans that do not share risk characteristics are evaluated on an individual basis. Loans evaluated individually are not included in the collective evaluation. When management determines that foreclosure is probable expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate. Discounted Cash Flow Method The Company uses the discounted cash flow method to estimate expected credit losses for all loan segments. The Company generates cash flow projections at the instrument level and adjusts payment expectations for estimated prepayment speed, curtailments, time to recovery, probability of default, and loss given default. The modeling of expected prepayment speeds and curtailment rates are based on historical internal data. The prepayment speeds additionally use peer data to backfill a complete time series and utilizes a forward-looking third-party prepayment model, which considers current conditions and reasonable and supportable forecasts of future economic conditions. The Company uses regression analysis of historical internal and peer data when modeling lifetime probability of default and loss given default. This analysis also determines how expected probability of default and loss given default will react to forecasted levels of the loss drivers. For all discounted cash flow models, management has determined that four quarters represents a reasonable and supportable forecast period. Management leverages economic projections around unemployment rates from the Federal Open Market Committee to determine its loss driver forecasts over the four-quarter forecast period. The combination of adjustments for credit expectations (default and loss) and timing expectations (prepayment, curtailment, and time to recovery) produces an expected cash flow stream at the instrument level. Instrument effective yield is calculated, net of the impacts of prepayment assumptions, and the instrument expected cash flows are then discounted at that effective yield to produce an instrument-level net present value of expected cash flows (“NPV”). An ACL is established for the difference between the instrument’s NPV and amortized cost basis. Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals, and modifications unless either of the following applies: management has a reasonable expectation at the reporting date that a modification will be executed with an individual borrower or the extension or renewal options included in the original or modified contract at the reporting date are not unconditionally cancellable by the Company. ACL - Unfunded commitments The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The ACL on unfunded commitments is adjusted through credit loss expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. The ACL is calculated using the same aggregate reserve rates calculated for the funded portion of loans at the portfolio level applied to the amount of commitments expected to fund. The Company has identified pools of unfunded commitments which align with loans held for investment. The ACL on unfunded commitments is recorded on the other liabilities line item of the balance sheet. ASU 2022-02, Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures In March 2022, the FASB issued ASU 2022-02, Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures, which eliminates the accounting guidance for troubled debt restructurings by creditors in ASC 310-40, Receivables - Troubled Debt Restructurings by Creditors, while enhancing disclosure requirements for certain loan refinancings and restructurings involving borrowings that are experiencing financial difficulty. Specifically, rather than applying the troubled debt restructuring recognition and measurement guidance, creditors will evaluate all loan modifications to determine if they result in a new loan or a continuation of the existing loan. Additionally, the Company is required to disclose current-period gross write-offs by year of origination for loan financing receivables and net investment in leases. The Company has adopted the standard as of January 1, 2023 with little to no impact to its accounting and has included the additional required disclosures herein. Servicing Rights When mortgage or SBA loans are sold with servicing retained, servicing rights are initially recorded at fair value with the income statement effect recorded in other noninterest income. Fair value is based on market prices for comparable mortgage servicing contracts, when available or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. All classes of servicing assets are subsequently measured using the amortization method which requires servicing rights to be amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying loans. Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is determined by stratifying rights into groupings based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the allowance may be recorded as an increase to income. Changes in valuation allowances are reported with other noninterest income on the Consolidated Statements of Income and the associated asset is included in other assets on the Consolidated Balance Sheets. The fair values of servicing rights are subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses. Servicing fee income, which is reported on the income statement within other noninterest income, is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. The amortization of mortgage servicing rights is netted against loan servicing fee income. Net servicing fees totaled $ 1.0 million, $ 0.4 million, and $ 0.6 million for the years ended December 31, 2023, 2022, and 2021, respectively. There were no valuation adjustments associated with these servicing rights for the years ended December 31, 2023. Valuation adjustments associated with these servicing rights amounted to $ 47 thousand and $ 77 thousand for the years ended December 31, 2022 and 2021, respectively. Late fees and ancillary fees related to loan servicing are not material. Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation and amortization. Depreciation is computed principally by the straight-line method over the estimated useful lives of the assets. Leasehold improvements are amortized by the straight-line method based on the shorter of the asset lives or the expected lease terms. Useful lives for premises and equipment range from one to thirty-nine years . These assets are reviewed for impairment when events indicate their carrying amount may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value. Leases The Company recognizes a ROU asset and a corresponding lease liability for all operating leases, in the Consolidated Balance Sheets. For short term leases (term of 12 months or less), a lessee is permitted to make an accounting election not to recognize lease assets and lease liabilities. The lease cost will be allocated over the lease term on a straight-line basis. Bank Owned Life Insurance The Bank has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Bank owned life insurance is included in other assets on the Consolidated Balance Sheets. Securities Sold under Agreements to Repurchase The Bank enters into sales of securities under agreements to repurchase at a specified future date. Such repurchase agreements are considered financing arrangements and, accordingly, the obligation to repurchase assets sold is reflected as a liability in the balance sheets of the Bank. Repurchase agreements are collateralized by debt securities which are owned and under the control of the Bank and are included in other liabilities on the Consolidated Balance Sheets. Goodwill Goodwill resulting from business combinations is generally determined as the excess of the fair value of the consideration transferred, plus the fair value of any noncontrolling interests in the acquiree, over the fair value of the net assets acquired and liabilities assumed as of the acquisition date. Goodwill and intangible assets acquired in a business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually or more frequently if events and circumstances exists that indicate that a goodwill impairment test should be performed. Qualitative factors are assessed to first determine if it is more likely than not (more than 50%) that the carrying value of goodwill is less than fair value. As of June 2023, given market volatility, following the March failures of several regional banks, the Company determined it did not satisfy the more likely than not qualitative assessment that the carrying value of goodwill is less than fair value. As a result, the Company elected to perform a quantitative assessment, which included a combination of prices of comparable businesses, discounted cash flows and other techniques. The Company performed a similar analysis for the required annual impairment analysis as of the October 31, 2023 election date. Based upon the results of the quantitative assessments, including the proposed merger, we determined the fair value of the reporting unit exceeded the carrying value, resulting in no impairment. During the year ended December 31, 2022, qualitative factors indicated it was more likely than not that the carrying value of goodwill was less than fair value, thus there were no indicators of impairment and no quantitative testing was performed. Intangible assets with definite useful lives are amortized over their estimated useful lives to their estimated residual values. Goodwill is the only intangible asset with an indefinite life on the balance sheet. Core deposit intang

Business combinations

Business combinations	12 Months Ended
Business combinations	Dec. 31, 2023
Business Combinations [Abstract]
Business combinations	NOTE 2 - BUSINESS COMBINATIONS Proposed Acquisition by Old National On October 26, 2023, Old National and the Company entered into a definitive merger agreement for Old National (the "Old National Merger Agreement") to acquire CapStar in an all-stock transaction with an aggregate value of approximately $ 344 million, or $ 16.64 per share of CapStar common stock, based on Old National's 30-day volume weighted average closing stock price ending October 25, 2023 (the "Merger"). Under the terms of the Old National Merger Agreement, shareholders of the Company will receive, in respect of each share of common stock of the Company held by them, 1.155 shares of common stock of Old National. Following the Merger (on a date to be determined by Old National), CapStar Bank will merge with and into Old National Bank, a wholly-owned subsidiary of Old National, with Old National Bank as the surviving bank (the "Bank Merger"). On February 21, 2024, the Company disclosed that the Board of Governors of the Federal Reserve System approved the Merger and the Office of the Comptroller of the Currency approved the Bank Merger. On February 29, 2024, the Company's shareholders approved the Merger at a special meeting. One lawsuit was instituted challenging the Merger, and, on March 7, 2024, upon motion of the plaintiff, that lawsuit was dismissed.

Investment Securities

Investment Securities	12 Months Ended
Investment Securities	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Investment Securities	NOTE 3 – INVESTMENT SECURITIES Investment securities have been classified in the balance sheet according to management’s intent. The Company’s classification of securities as of December 31, 2023 and 2022, net of the allowance for credit losses of $ 2.0 million as of December 31, 2023, was as follows (in thousands): December 31, 2023 December 31, 2022 Amortized Gross Gross Estimated Amortized Gross Gross Estimated Securities available-for-sale: U. S. government agency securities $ 12,989 $ — $ ( 1,385 ) $ 11,604 $ 14,537 $ — $ ( 1,635 ) $ 12,902 State and municipal securities 74,668 310 ( 6,926 ) 68,052 77,562 129 ( 9,379 ) 68,312 Mortgage-backed securities 271,024 — ( 50,959 ) 220,065 300,488 — ( 55,660 ) 244,828 Asset-backed securities 3,192 — ( 46 ) 3,146 3,332 — ( 62 ) 3,270 Other debt securities 61,042 762 ( 5,351 ) 56,453 70,542 3 ( 3,441 ) 67,104 Total $ 422,915 $ 1,072 $ ( 64,667 ) $ 359,320 $ 466,461 $ 132 $ ( 70,177 ) $ 396,416 Securities held-to-maturity: State and municipal securities $ — $ — $ — $ — $ 1,240 $ — $ — $ 1,240 Total $ — $ — $ — $ — $ 1,240 $ — $ — $ 1,240 The amortized cost and fair value of debt and equity securities as of December 31, 2023, by contractual maturity, are shown below (in thousands). Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately. Available-for-sale Amortized Estimated Due in less than one year $ 1,153 $ 1,076 Due one to five years 21,422 20,240 Due five to ten years 93,600 84,966 Due beyond ten years 32,524 29,827 Mortgage-backed securities 271,024 220,065 Asset-backed securities 3,192 3,146 Total $ 422,915 $ 359,320 Results from sales, maturities, prepayments and calls of securities available for sale were as follows (in thousands): Year Ended December 31, 2023 2022 2021 Proceeds $ 40,177 $ 64,177 $ 104,733 Gross gains 6 8 45 Gross losses ( 1 ) — ( 17 ) Securities with a market value of $ 190.9 millio n and $ 217.3 million at December 31, 2023 and 2022, respectively, were pledged to collateralize public deposits, derivative positions and Federal Home Loan Bank advances. As of December 31, 2023 and 2022, there were no holdings of securities of any one issuer, other than the U.S. Government and its agencies, in an amount greater than 10% of shareholders’ equity. The following tables show the Company’s securities with unrealized losses, aggregated by major security type and length of time in a continuous unrealized loss position (in thousands): Less than 12 months 12 months or more Total December 31, 2023 Estimated Gross Estimated Gross Estimated Gross U. S. government agency securities $ — $ — $ 11,604 $ ( 1,385 ) $ 11,604 $ ( 1,385 ) State and municipal securities 832 ( 7 ) 48,567 ( 6,919 ) 49,399 ( 6,926 ) Mortgage-backed securities — — 220,065 ( 50,959 ) 220,065 ( 50,959 ) Asset-backed securities — — 3,146 ( 46 ) 3,146 ( 46 ) Other debt securities 1,938 ( 62 ) 53,752 ( 5,289 ) 55,690 ( 5,351 ) Total temporarily impaired securities $ 2,770 $ ( 69 ) $ 337,134 $ ( 64,598 ) $ 339,904 $ ( 64,667 ) December 31, 2022 U. S. government agency securities $ 6,243 $ ( 836 ) $ 6,659 $ ( 799 ) $ 12,902 $ ( 1,635 ) State and municipal securities 12,952 ( 422 ) 41,779 ( 8,957 ) 54,731 ( 9,379 ) Mortgage-backed securities 81,751 ( 7,647 ) 161,708 ( 48,013 ) 243,459 ( 55,660 ) Asset-backed securities 3,270 ( 62 ) — — 3,270 ( 62 ) Other debt securities 41,018 ( 2,028 ) 24,084 ( 1,413 ) 65,102 ( 3,441 ) Total temporarily impaired securities $ 145,234 $ ( 10,995 ) $ 234,230 $ ( 59,182 ) $ 379,464 $ ( 70,177 ) At adoption of ASC 326 on January 1, 2023, calculated credit losses and, thus, the related ACL on held-to-maturity debt securities were not material due to the high credit quality of the portfolio. As a result, no ACL was recorded on the held-to-maturity portfolio at January 1, 2023. There are no held-to-maturity debt securities as of December 31, 2023. At December 31, 2023, the Company owned certain securities related to Signature Bank ("Signature") which, following the 2023 first quarter failure of Signature, were deemed to have significant credit losses and no probable recovery. As such, a $ 2.0 million provision for credit loss was recorded with a corresponding ACL during the year ended December 31, 2023. The Company has performed an assessment of its portfolio in an unrealized loss position and has determined no other credit losses are present as of December 31, 2023. See Note 1 for additional details on the adoption of ASC 326 as it relates to the securities portfolio. At December 31, 2023, there were 288 de bt securities available-for-sale that were in an unrealized loss position. The Company does not intend to sell nor believes it will be required to sell securities in an unrealized loss position prior to the recovery of their amortized cost basis. Unrealized losses at December 31, 2023 were primarily attributable to the rising interest rate environment. The majority of the investment portfolio was either government guaranteed or an issuance of a government sponsored entity or highly rated by major credit rating agencies. As of December 31, 2023, the Signature securities for which an ACL has been recorded are on non-accrual. No other securities are past due or on non-accrual. In the first quarter of 2024, the Company sold its holding of Signature subordinated debt securities and will record a $ 0.8 million recovery. The following table shows a rollforward of the ACL on available for sale securities for the year ended December 31, 2023: Other debt securities Balance as of December 31, 2022 $ — Adoption of CECL — Additions for securities for which no previous expected credit losses were recognized 2,000 Total $ 2,000

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	12 Months Ended
Loans and Allowance for Credit Losses	Dec. 31, 2023
Receivables [Abstract]
Loans and Allowance for Credit Losses	NOTE 4 – LOANS AND ALLOWANCE FOR CREDIT LOSSES A summary of the loans held for investment portfolio as of December 31, 2023 and 2022 follows (in thousands): December 31, 2023 December 31, 2022 Commercial real estate - owner occupied $ 281,219 $ 246,109 Commercial real estate - non-owner occupied 761,225 803,611 Consumer real estate 423,338 402,615 Construction and land development 212,528 229,972 Commercial and industrial 501,912 496,347 Consumer 48,758 53,382 Other 40,766 80,762 Total 2,269,746 2,312,798 Allowance for credit losses on loans ( 24,292 ) ( 23,806 ) Total loans, net $ 2,245,454 $ 2,288,992 Loans Held for Sale As of December 31, 2023 the Comp any had $ 32.3 million in loans held for sale, which was comprised o f $ 10.6 million in residential mortgage loans and $ 21.7 million in the guaranteed portion of SBA loans. At December 31, 2022, the Compan y had $ 44.7 m illion in loans held for sale, which was comprised o f $ 12.6 million in residential mortgage loans and $ 32.1 million in the guaranteed portion of SBA loans. Non-accrual and Past Due The following table presents the aging of the recorded investment in past-due loans as of December 31, 2023 and 2022 by class of loans (in thousands): Accruing 30 - 59 60 - 89 Greater Than Days Days 89 Days Total Loans Not Non-Accrual Past Due Past Due Past Due Past Due Past Due Loans Total December 31, 2023 Commercial real estate - owner occupied $ 1,238 $ — $ 6 $ 1,244 $ 278,255 $ 1,720 $ 281,219 Commercial real estate - non-owner occupied 2 — — 2 760,769 454 761,225 Consumer real estate 1,220 960 273 2,453 415,691 5,194 423,338 Construction and land development 445 — — 445 212,079 4 212,528 Commercial and industrial 50 156 466 672 496,011 5,229 501,912 Consumer 245 111 182 538 46,437 1,783 48,758 Other — — 15 15 40,337 414 40,766 Total $ 3,200 $ 1,227 $ 942 $ 5,369 $ 2,249,579 $ 14,798 $ 2,269,746 Accruing 30 - 59 60 - 89 Greater Than Days Days 89 Days Total Loans Not Non-Accrual Past Due Past Due Past Due Past Due Past Due Loans Total December 31, 2022 Commercial real estate - owner occupied $ — $ — $ — $ — $ 239,351 $ 4,982 $ 244,333 Commercial real estate - non-owner occupied — — — — 802,107 — 802,107 Consumer real estate 456 231 87 774 393,893 456 395,123 Construction and land development — — — — 229,896 8 229,904 Commercial and industrial 76 53 744 873 489,842 4,065 494,780 Consumer 178 39 14 231 52,731 54 53,016 Other — — 37 37 80,535 — 80,572 Purchased credit impaired 175 149 143 467 11,347 1,149 12,963 Total $ 885 $ 472 $ 1,025 $ 2,382 $ 2,299,702 $ 10,714 $ 2,312,798 The Company recognized no interest income on non-accrual loans for the years ended December 31, 2023, 2022, and 2021. The following table presents the recorded investment in non-accrual loans by class of loans as of December 31, 2023 (in thousands): Non-Accrual loans with no allowance Non-Accrual loans with allowance Total Non-Accrual Loans Commercial real estate - owner occupied $ — $ 1,720 $ 1,720 Commercial real estate - non-owner occupied 215 239 454 Consumer real estate 4,101 1,093 5,194 Construction and land development — 4 4 Commercial and industrial 262 4,967 5,229 Consumer 1,707 76 1,783 Other 395 19 414 Total $ 6,680 $ 8,118 $ 14,798 Risk Ratings The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes all commercial loans, and consumer relationships with an outstanding balance greater than $ 500,000 , individually and assigns each loan a risk rating. This analysis is performed on a continual basis by the relationship managers and credit department personnel. On at least an annual basis an independent party performs a formal credit risk review of a sample of the loan portfolio. Among other things, this review assesses the appropriateness of the loan’s risk rating. The Company uses the following definitions for risk ratings: Pass – Loans in this category are considered to have a low probability of default and do not meet the criteria of the risk categories below. Special Mention – A special mention asset possesses deficiencies or potential weaknesses deserving of management’s attention. If uncorrected, such weaknesses or deficiencies may expose the Company to an increased risk of loss in the future. Substandard – A substandard asset is inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if deficiencies are not corrected. Loss potential, while existing in the aggregate amount of substandard assets, does not have to exist in individual assets classified substandard. Doubtful – A doubtful asset has all weaknesses inherent in one classified substandard, with the added characteristic that weaknesses make collection or liquidation in full, on the basis of existing facts, conditions, and values, highly questionable and improbable. The probability of loss is extremely high, but certain important and reasonable specific pending factors which may work to the advantage and strengthening of the asset exist, therefore, its classification as an estimated loss is deferred until a more exact status may be determined. Pending factors include proposed merger, acquisition or liquidation procedures, capital injection, perfecting liens on additional collateral, and refinancing plans. The following table provides the risk category of loans by applicable class of loans and vintage year as of December 31, 2023 (in thousands): Term Loans by Origination Year 2023 2022 2021 2020 2019 Prior Revolvers Revolvers converted to term loans Total Commercial real estate - owner occupied Pass $ 22,826 $ 90,775 $ 85,829 $ 31,626 $ 18,978 $ 22,599 $ 2,072 $ — $ 274,705 Special Mention — — 2,466 — — 2,156 — — 4,622 Substandard — 1,583 — — 172 137 — — 1,892 Doubtful — — — — — — — — — Total $ 22,826 $ 92,358 $ 88,295 $ 31,626 $ 19,150 $ 24,892 $ 2,072 $ — $ 281,219 Current period gross charge-offs — — — — — — — — — Commercial real estate - non-owner occupied Pass $ 51,160 $ 281,832 $ 200,858 $ 103,062 $ 39,425 $ 71,397 $ 13,038 $ — $ 760,772 Special Mention — — — — — — — — — Substandard — 236 — — — 2 215 — 453 Doubtful — — — — — — — — — Total $ 51,160 $ 282,068 $ 200,858 $ 103,062 $ 39,425 $ 71,399 $ 13,253 $ — $ 761,225 Current period gross charge-offs — — — — — — — — — Consumer real estate Pass $ 31,138 $ 79,723 $ 34,024 $ 16,028 $ 14,019 $ 40,607 $ 200,020 $ 1,352 $ 416,911 Special Mention 163 — — — — 232 — 13 408 Substandard — 4,091 39 41 234 1,310 162 1 5,878 Doubtful 77 — — — — — 64 — 141 Total $ 31,378 $ 83,814 $ 34,063 $ 16,069 $ 14,253 $ 42,149 $ 200,246 $ 1,366 $ 423,338 Current period gross charge-offs 38 — — — — 10 — — 48 Construction and land development Pass $ 25,119 $ 126,610 $ 53,408 $ 3,860 $ 332 $ 2,096 $ 1,099 $ — $ 212,524 Special Mention — — — — — — — — — Substandard — — — — — 4 — — 4 Doubtful — — — — — — — — — Total $ 25,119 $ 126,610 $ 53,408 $ 3,860 $ 332 $ 2,100 $ 1,099 $ — $ 212,528 Current period gross charge-offs — — — — — — — — — Commercial and industrial Pass $ 80,805 $ 131,266 $ 76,003 $ 41,763 $ 13,112 $ 7,040 $ 142,151 $ 72 $ 492,212 Special Mention 164 85 — 2,784 — — — — 3,033 Substandard 368 1,388 55 3,245 — — 1,235 235 6,526 Doubtful — — — 70 21 — 24 26 141 Total $ 81,337 $ 132,739 $ 76,058 $ 47,862 $ 13,133 $ 7,040 $ 143,410 $ 333 $ 501,912 Current period gross charge-offs — 92 167 98 59 — 145 — 561 Consumer Pass $ 17,207 $ 9,956 $ 4,076 $ 1,215 $ 195 $ 534 $ 13,613 $ 55 $ 46,851 Special Mention — — — — — — — — — Substandard 50 97 1,747 3 3 — — — 1,900 Doubtful — 7 — — — — — — 7 Total $ 17,257 $ 10,060 $ 5,823 $ 1,218 $ 198 $ 534 $ 13,613 $ 55 $ 48,758 Current period gross charge-offs 14 72 39 30 12 224 — — 391 Other Pass $ 4,851 $ 6,596 $ 19,745 $ 4,808 $ 300 $ 1,796 $ 2,109 $ — $ 40,205 Special Mention — 52 — — — — — — 52 Substandard 44 — 1 50 395 19 — — 509 Doubtful — — — — — — — — — Total $ 4,895 $ 6,648 $ 19,746 $ 4,858 $ 695 $ 1,815 $ 2,109 $ — $ 40,766 Current period gross charge-offs — — — — — 176 — — 176 Total Portfolio Pass $ 233,106 $ 726,758 $ 473,943 $ 202,362 $ 86,361 $ 146,069 $ 374,102 $ 1,479 $ 2,244,180 Special Mention 327 137 2,466 2,784 — 2,388 — 13 8,115 Substandard 462 7,395 1,842 3,339 804 1,472 1,612 236 17,162 Doubtful 77 7 — 70 21 — 88 26 289 Total $ 233,972 $ 734,297 $ 478,251 $ 208,555 $ 87,186 $ 149,929 $ 375,802 $ 1,754 $ 2,269,746 Current period gross charge-offs $ 52 $ 164 $ 206 $ 128 $ 71 $ 410 $ 145 $ - $ 1,176 The following table provides the risk category of loans by applicable class of loans as of December 31, 2022 (in thousands): Non-impaired Loans December 31, 2022 Pass Special Substandard Doubtful Total Impaired Total Commercial real estate - owner occupied $ 234,619 $ 4,731 $ 440 $ — $ 4,543 $ 244,333 Commercial real estate - non-owner occupied 802,107 — — — — 802,107 Consumer real estate 393,734 555 467 — 367 395,123 Construction and land development 229,897 — — — 7 229,904 Commercial and industrial 477,081 516 12,751 127 4,305 494,780 Consumer 52,911 — 84 2 19 53,016 Other 80,504 — 68 — — 80,572 Purchased credit impaired 11,595 68 1,259 41 — 12,963 Total $ 2,282,448 $ 5,870 $ 15,069 $ 170 $ 9,241 $ 2,312,798 At December 31, 2023, variable-rate and fixed-rate loans totaled $ 994.5 million and $ 1.3 billion, respectively. At December 31, 2022, variable-rate and fixed-rate loans totaled $ 934.9 million and $ 1.4 billion, respectively. Modifications Occasionally, the Company modifies loans to borrowers in financial distress by providing principal forgiveness, term extension, an other-than-insignificant payment delay or interest rate reduction. When principal forgiveness is provided, the amount of forgiveness is charged-off against the ACL. In some cases, the Company provides multiple types of concessions on one loan. Typically, one type of concession, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another concession, such as principal forgiveness, may be granted. The following table represents the loans as of December 31, 2023 that were both experiencing financial difficulty and modified during the year ended December 31, 2023, by class and by type of modification. The percentage of loans that were modified to borrowers in financial distress as compared to the total loans of each class is also presented below. Payment Delay Term Extension Total Class of Loans Commercial and industrial $ 4,819 $ 326 1.03 % Total $ 4,819 $ 326 0.23 % The Company has not committed to lend additional amounts to the borrowers included in the previous table. The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. Such loans that had been modified in the last 12 months are all current with no loans past due. The following table presents the financial effect of the loan modifications represented above to borrowers experiencing financial difficulty for the year ended December 31, 2023 (in thousands). Weighted-Average Weighted-Average Payment Term Delay Extension Commercial and industrial 4 mos. 3 mos. Total 4 mos. 3 mos. No loans modified during the year ended December 31, 2023 are in payment default. Upon the Company's determination that a modified loan has subsequently been deemed uncollectible, the loan is written off. Therefore, the recorded investment of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount. The following table presents collateral dependent loans, which are individually evaluated to determine expected credit losses, as of December 31, 2023 by class of loan and type of collateral. Real Estate Total Commercial real estate - non-owner occupied $ 456 $ 456 Consumer 5,118 5,118 Commercial and industrial 982 982 Other 395 395 Total $ 6,951 $ 6,951 Allowance for Credit Losses The following table details the changes in the ACL for the years ended December 31, 2023, 2022, and 2021 (in thousands): CECL For the year ended December 31, 2023 Beginning Balance Adoption of CECL Jan. 1, 2023 Charge-Offs Recoveries Provision Ending Balance Commercial real estate - owner occupied $ 1,967 $ 209 $ 2,176 $ — $ — $ 16 $ 2,192 Commercial real estate - non-owner occupied 5,967 ( 632 ) 5,335 — — 674 6,009 Consumer real estate 3,153 650 3,803 ( 48 ) 44 301 4,100 Construction and land development 3,830 ( 266 ) 3,564 — — ( 673 ) 2,891 Commercial and industrial 7,654 ( 995 ) 6,659 ( 561 ) 117 206 6,421 Consumer 430 1,127 1,557 ( 391 ) 186 568 1,920 Other 805 1,404 2,209 ( 176 ) 24 ( 1,298 ) 759 Total $ 23,806 $ 1,497 $ 25,303 $ ( 1,176 ) $ 371 $ ( 206 ) $ 24,292 Allowance for credit losses - unfunded commitments $ 319 $ 3,350 $ 3,669 $ - $ - $ ( 945 ) $ 2,724 Incurred Loss Incurred Loss For the years ended December 31, 2022 2021 Beginning Balance Charge-Offs Recoveries Provision Ending Balance Beginning Balance Charge-Offs Recoveries Provision Ending Balance Commercial real estate - owner occupied $ 1,685 $ — $ — $ 282 $ 1,967 $ 1,561 $ — $ — $ 124 $ 1,685 Commercial real estate - non-owner occupied 5,439 ( 12 ) 225 315 5,967 5,788 ( 10 ) 10 ( 349 ) 5,439 Consumer real estate 2,412 ( 8 ) 6 743 3,153 1,831 ( 1 ) 18 564 2,412 Construction and land development 3,769 — — 61 3,830 3,476 — — 293 3,769 Commercial and industrial 7,441 ( 205 ) 33 385 7,654 9,708 ( 199 ) 10 ( 2,078 ) 7,441 Consumer 397 ( 330 ) 110 253 430 305 ( 210 ) 87 215 397 Other 555 ( 201 ) 16 435 805 576 ( 227 ) 41 165 555 Total $ 21,698 $ ( 756 ) $ 390 $ 2,474 $ 23,806 $ 23,245 $ ( 647 ) $ 166 $ ( 1,066 ) $ 21,698 Allowance for credit losses - unfunded commitments $ 319 $ - $ - $ - $ 319 $ 319 $ - $ - $ - $ 319 As of December 31, 2023, the Company used a one-year reasonable and supportable forecast period. The changes in loss rates used as the basis for the estimate of credit losses during this period were modeled using both the Company's own historical data and from peer banks and macroeconomic forecast data obtained from a third party vendor. The decrease in the ACL compared to January 1, 2023 was primarily attributable to a decrease in the loan portfolio, changes in various loan attributes at the instrument level, and an improvement in forecasted losses based on forecasted improvements in unemployment rates. For periods beyond the reasonable and supportable forecast period of one year, the Company reverted to historical credit loss information on a straight line basis over one year. The Company maintains an allowance for unfunded commitments exposures. The allowance for unfunded commitments credit exposures is adjusted as a provision for credit loss expense. The estimate includes consideration of the likelihood that funding will occur, which is based on a historical funding study derived from internal information, and an estimate of expected credit losses on commitments expected to be funded over its estimated life, which are the same loss rates that are used in computing the allowance for credit losses on loans. The decrease in the ACL for unfunded loan commitments compared to January 1, 2023 was attributable to a decline in unfunded loan commitment balances. The ACL for unfunded loan commitments of $ 2.7 million and $ 0.3 million at December 31, 2023 and December 31, 2022, respectively, is separately classified on the balance sheet within Other Liabilities. The following table presents the allocation of the ACL for each respective loan category with the corresponding percentage of loans in each category to total loans, net of deferred fees as of December 31, 2023, 2022, and 2021. December 31, 2023 December 31, 2022 Amount Percent of total Amount Percent of total Commercial real estate - owner occupied $ 2,192 0.10 % $ 1,967 0.08 % Commercial real estate - non-owner occupied 6,009 0.26 5,967 0.26 Consumer real estate 4,100 0.18 3,153 0.14 Construction and land development 2,891 0.13 3,830 0.17 Commercial and industrial 6,421 0.28 7,654 0.33 Consumer 1,920 0.08 430 0.02 Other 759 0.03 805 0.03 Total allowance for credit losses $ 24,292 1.07 % $ 23,806 1.03 % Incurred Loss Impairment Methodology A breakdown of the ALL and the loan portfolio by loan category at December 31, 2022 follows (in thousands): Commercial real estate - owner occupied Commercial real estate - non-owner occupied Consumer Construction Commercial Consumer Other Total December 31, 2022 Allowance for Loan Losses: Collectively evaluated for impairment $ 1,967 $ 5,967 $ 3,153 $ 3,830 $ 6,909 $ 378 $ 805 $ 23,009 Individually evaluated for impairment — — — — 716 — — 716 Purchased credit impaired — — — — 29 52 — 81 Balances, end of period $ 1,967 $ 5,967 $ 3,153 $ 3,830 $ 7,654 $ 430 $ 805 $ 23,806 Loans: Collectively evaluated for impairment $ 239,790 $ 802,107 $ 394,756 $ 229,897 $ 490,475 $ 52,997 $ 80,572 $ 2,290,594 Individually evaluated for impairment 4,543 — 367 7 4,305 19 — 9,241 Purchased credit impaired 1,776 1,504 7,492 68 1,567 366 190 12,963 Balances, end of period $ 246,109 $ 803,611 $ 402,615 $ 229,972 $ 496,347 $ 53,382 $ 80,762 $ 2,312,798 The following table presents additional detail on loans individually evaluated for impairment as previously required by ASC Topic 310 as of December 31, 2022 (in thousands): December 31, 2022 Recorded Unpaid Related With no related allowance recorded: Commercial real estate - owner occupied $ 4,543 $ 4,551 $ — Commercial real estate - non-owner occupied — — — Consumer real estate 367 393 — Construction and land development 7 8 — Commercial and industrial 420 412 — Consumer 19 19 — Other — — — Subtotal 5,356 5,383 — With an allowance recorded: Commercial real estate - owner occupied — — — Commercial real estate - non-owner occupied — Consumer real estate — — — Construction and land development — — — Commercial and industrial 3,885 4,061 716 Consumer — — — Other — — — Subtotal 3,885 4,061 716 Total $ 9,241 $ 9,444 $ 716 The recorded investment in loans excludes accrued interest receivable and loan origination fees, net due to immateriality. For purposes of this disclosure, the unpaid principal balance is not reduced for partial charge-offs. The average balances of impaired loans and income recognized on impaired loans while they were considered impaired under the Incurred Loss methodology are below for the years ended December 31, 2022 and 2021 (in thousands): December 31, 2022 December 31, 2021 Average recorded investment Interest income recognized Average recorded investment Interest income recognized With no related allowance recorded: Commercial real estate - owner occupied $ 4,612 $ 210 $ 1,169 $ 64 Commercial real estate - non-owner occupied — — — — Consumer real estate 387 9 577 3 Construction and land development 8 — 12 1 Commercial and industrial 228 17 263 13 Consumer 21 1 35 3 Other — — — — Subtotal 5,256 237 2,056 84 With an allowance recorded: Commercial real estate - owner occupied — — — — Commercial real estate - non-owner occupied — 665 Consumer real estate — — — — Construction and land development — — — — Commercial and industrial 4,189 422 — — Consumer — — — — Other — — — — Subtotal 4,189 422 665 — Total $ 9,445 $ 659 $ 2,721 $ 84 There was no interest income recognized on a cash basis for impaired loans for the years ended December 31, 2022 or 2021. Troubled Debt Restructurings As of December 31, 2022 the Company had recorded investments in troubled debt restructurings ("TDRs") of $ 0.3 million. The Company did no t allocate a specific allowance for those loans at December 31, 2022 and there were no commitments to lend additional amounts. Loans accounted for as TDR include modifications from original terms such as those due to bankruptcy proceedings, certain modifications of amortization periods or extended suspension of principal payments due to customer financial difficulties. In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s loan policy. Loans accounted for as TDR are individually evaluated for impairment. The following table presents loans by class modified as TDR that occurred during the year ended December 31, 2022 (in thousands). Number of contracts Pre modification outstanding recorded investment Post modification outstanding recorded investment, net of related allowance 2022 Commercial real estate — $ — $ — Consumer real estate — — — Construction and land development — — — Commercial and industrial 1 86 86 Consumer — — — Other — — — Total 1 86 86 Acquired Loans The following table presents changes in the carrying value of PCI loans for the year ended December 31, 2022 and 2021 (in thousands): Year Ended December 31, 2022 Year Ended December 31, 2021 Balance at beginning of period $ 19,261 $ 28,392 Change due to payments received and accretion ( 6,217 ) ( 8,940 ) Reclassification of discount to allowance for loan losses ( 81 ) ( 191 ) Balance at end of period $ 12,963 $ 19,261 The following table presents changes in the accretable yield for PCI loans for the year ended December 31, 2022 and 2021 (in thousands): Year Ended December 31, 2022 Year Ended December 31, 2021 Balance at beginning of period $ 5,763 $ 4,068 Accretion ( 1,565 ) ( 1,987 ) Reclassification from nonaccretable difference 304 1,519 Other, net ( 206 ) 2,163 Balance at end of period $ 4,296 $ 5,763 PCI loans h ad a $ 0.1 million and $ 0.2 million impact on the ALL for the years ended December 31, 2022 and 2021, respectively.

Loan Servicing

Loan Servicing	12 Months Ended
Loan Servicing	Dec. 31, 2023
Transfers and Servicing [Abstract]
Loan Servicing	NOTE 5 – LOAN SERVICING Mortgage loans serviced for the Federal Home Loan Mortgage Corporation (“FHLMC”) and SBA loans serviced for others are not reported as assets. The principal balance of these loans at December 31, 2023 and 2022 was $ 122.3 mi llion and $ 137.2 million, respectively. Activity for loan servicing rights and the related valuation allowance are summarized as follows (in thousands): For the year ended December 31, 2023 For the year ended December 31, 2022 For the year ended December 31, 2021 Loan servicing rights: Balance at beginning of period $ 1,004 $ 1,425 $ 1,634 Additions — 29 229 Amortized to offset other noninterest income ( 112 ) ( 450 ) ( 438 ) Balance at end of period $ 892 $ 1,004 $ 1,425 Valuation allowance: Balance at beginning of period $ ( 325 ) $ ( 372 ) $ ( 449 ) Additions expensed — — — Reductions credited to other noninterest income — 47 77 Direct write-downs — — — Other ( 47 ) — — Balance at end of period $ ( 372 ) $ ( 325 ) $ ( 372 )

Premises and Equipment

Premises and Equipment	12 Months Ended
Premises and Equipment	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Premises and Equipment	NOTE 6 – PREMISES AND EQUIPMENT Premises and equipment at December 31, 2023 and 2022 are summarized as follows (in thousands): Range of December 31, 2023 December 31, 2022 Land Not applicable $ 5,097 $ 6,402 Buildings 39 years 18,192 18,686 Leasehold improvements 1 to 17 years 1,821 1,007 Furniture and equipment 1 to 7 years 6,915 6,312 Fixed assets in process Not applicable 120 234 32,145 32,641 Less accumulated depreciation and amortization ( 9,151 ) ( 7,786 ) $ 22,994 $ 24,855 Premises and equipment depreciation and amortization expense for the years ended December 31, 2023, 2022 and 2021 totaled $ 1.4 million, $ 1.4 million and $ 1.5 million, respectively.

Leases

Leases	12 Months Ended
Leases	Dec. 31, 2023
Leases [Abstract]
Leases	NOTE 7 – LEASES The Company leases certain premises and equipment under operating leases that expire at various dates, through 2032 , and in most instances, include options to renew or extend at market rates and terms. At December 31, 2023, the Company had lease liabilities totaling $ 10.3 million and right-of-use assets totaling $ 9.5 million. Lease liabilities and right-of-use assets are reflected in other liabilities and other assets, respectively. At December 31, 2023, the weighted average remaining lease term for operating leases was 8.0 years and the weighted average discount rate used in the measurement of operating lease liabilities was 3.25 %. Lease costs were as follows (in thousands): December 31, 2023 December 31, 2022 December 31, 2021 Operating lease cost $ 2,336 $ 2,164 $ 2,102 Short-term lease cost 16 16 — Total lease cost $ 2,352 $ 2,180 $ 2,102 There were no sale and leaseback transactions, leveraged leases, or lease transactions with related parties during the years ended December 31, 2023, 2022, or 2021. A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total operating lease liability is as follows (in thousands): December 31, 2023 Lease payments due: 2024 $ 1,717 2025 1,693 2026 1,576 2027 1,425 2028 1,270 2029 and thereafter 3,757 Total undiscounted cash flows 11,438 Discount on cash flows ( 1,127 ) Total lease liability $ 10,311

Goodwill and Intangible Assets

Goodwill and Intangible Assets	12 Months Ended
Goodwill and Intangible Assets	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangible Assets	NOTE 8 – GOODWILL AND INTANGIBLE ASSETS Goodwill The change in goodwill during the years ended December 31, 2023 and 2022 was as follows (in thousands): 2023 2022 Beginning of year $ 41,068 $ 41,068 Acquired goodwill — — Impairment — — End of year $ 41,068 $ 41,068 Acquired Intangible Assets Acquired intangible assets at December 31, 2023 and 2022 were as follows (in thousands): December 31, 2023 December 31, 2022 Gross Accumulated Gross Accumulated Amortized intangible assets: Core deposit intangibles $ 12,837 $ ( 9,277 ) $ 12,837 $ ( 7,836 ) For the years ended December 31, 2023, 2022 and 2021, amortization expense was $ 1.4 million, $ 1.7 million and $ 1.9 million, respectively. Estimated amortization expense for each of the next five years is as follows (in thousands): Year ending December 31: 2024 $ 1,192 2025 943 2026 694 2027 445 2028 200 Thereafter 86 Total $ 3,560

Other Real Estate Owned

Other Real Estate Owned	12 Months Ended
Other Real Estate Owned	Dec. 31, 2023
Other Real Estate [Abstract]
Other Real Estate Owned	NOTE 9 – OTHER REAL ESTATE OWNED Other real estate owned activity was as follows (in thousands): 2023 2022 2021 Beginning balance $ — $ 266 $ 523 Loans transferred to other real estate owned 11 — 2,022 Sales of other real estate owned — ( 266 ) ( 2,279 ) End of year $ 11 $ — $ 266 There was no valuation allowance allocated to properties held for the years ended December 31, 2023 and 2022. (Income) expenses related to other real estate owned during the years ended December 31, 2023, 2022 and 2021, respectively include (in thousands): 2023 2022 2021 Net gain on sales $ — $ ( 102 ) $ ( 49 ) Total $ — $ ( 102 ) $ ( 49 )

Deposits

Deposits	12 Months Ended
Deposits	Dec. 31, 2023
Deposits [Abstract]
Deposits	NOTE 10 – DEPOSITS Time deposits that exceed the FDIC deposit insurance limit of $ 250,000 at December 31, 2023 and 2022 were $ 121.4 million and $ 105.4 million, respectively. Scheduled maturities of time deposits for the next five years and thereafter are as follows (in thousands): Maturity: 2024 $ 602,881 2025 42,228 2026 2,604 2027 4,064 2028 2,434 Thereafter 601 $ 654,812 Included in time deposits are brokered certificates of deposit of $ 200.5 million and $ 348.7 million as of December 31, 2023 and 2022, respectively. As of December 31, 2023 and 2022, the Company had $ 0.5 million and $ 1.0 million, respectively of deposit accounts in overdraft status that were reclassified to loans in the accompanying balance sheets.

Short-Term Borrowings and Long-

Short-Term Borrowings and Long-Term Debt	12 Months Ended
Short-Term Borrowings and Long-Term Debt	Dec. 31, 2023
Federal Home Loan Banks [Abstract]
Short-Term Borrowings and Long-Term Debt	NOTE 11 – SHORT-TERM BORROWINGS AND LONG-TERM DEBT Short-Term Borrowings The Company had short-term borrowings from the FHLB totaling $ 50.0 million and $ 15.0 million as of December 31, 2023 and 2022, respectively. These advances are non-callable; interest payments are due monthly, with principal due at maturity. The following is a summary of the contractual maturities and average effective rates of outstanding advances (dollars in thousands): December 31, 2023 December 31, 2022 Year Amount Interest Rates Amount Interest Rates 2023 $ - — $ 15,000 4.33 % 2024 50,000 5.17 % — — Total $ 50,000 5.17 % $ 15,000 4.33 % Advances from the FHLB are collateralized by investment securities with a market value of $ 20.3 million, FHLB stock and certain commercial and residential real estate mortgage loans totaling $ 721.0 m illion under a blanket mortgage collateral agreement. At December 31, 2023, the amount of available credit from the FHLB totaled $ 414.0 mi llion. Subordinated Notes The Company issued $ 30.0 million of fixed-to-floating rate subordinated notes during the third quarter of 2020, which were recorded net of issuance costs of $ 0.6 million, that mature June 30, 2030 . Beginning on or after June 30, 2025 , the Company may redeem the notes, in whole or in part, at their principal amount plus any accrued and unpaid interest. The notes have a fixed interest rate of 5.25 % per annum for the first five years. Thereafter, the interest rate will reset quarterly to an interest rate per annum equal to a benchmark rate (which is expected to be Three-Month Term SOFR) plus 513 basis points. The carrying value of subordinated notes was $ 29.8 million and $ 29.7 million at December 31, 2023 and 2022, respectively.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
Accumulated Other Comprehensive Income (Loss)	Dec. 31, 2023
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive Income (Loss)	NOTE 12 – ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The following were changes in accumulated other comprehensive income (loss) by component, net of tax, for the years ended December 31, 2023 and 2022 (in thousands): Unrealized Gains and Losses on Available for Sale Securities Year Ended December 31, 2023 Beginning balance $ ( 50,052 ) Other comprehensive income before reclassification, net of tax 4,788 Amounts reclassified from accumulated other comprehensive loss, net of tax ( 4 ) Net current period other comprehensive income 4,784 Ending balance $ ( 45,268 ) Year Ended December 31, 2022 Beginning balance $ ( 1,270 ) Other comprehensive loss before reclassification, net of tax ( 48,776 ) Amounts reclassified from accumulated other comprehensive loss, net of tax ( 6 ) Net current period other comprehensive loss ( 48,782 ) Ending balance $ ( 50,052 ) Year Ended December 31, 2021 Beginning balance $ 7,728 Other comprehensive loss before reclassification, net of tax ( 8,977 ) Amounts reclassified from accumulated other comprehensive loss, net of tax ( 21 ) Net current period other comprehensive loss ( 8,998 ) Ending balance $ ( 1,270 ) The following were amounts reclassified out of each component of accumulated other comprehensive income (loss) for the years ended December 31, 2023, 2022 and 2021 (in thousands): Affected Line Item Details about Accumulated Other Year Ended December 31, in the Statement Where Comprehensive Income (Loss) Components 2023 2022 2021 Net Income is Presented Realized gains on available- for-sale securities $ 5 $ 8 $ 28 Net gain on sale of securities ( 1 ) ( 2 ) ( 7 ) Income tax expense $ 4 $ 6 $ 21 Net of tax There were no significant amounts reclassified out of each component of accumulated other comprehensive income (loss) for the years ended December 31, 2023, 2022, and 2021.

Income Taxes

Income Taxes	12 Months Ended
Income Taxes	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Income Taxes	NOTE 13 – INCOME TAXES The components of income tax expense are summarized as follows (in thousands): 2023 2022 2021 Current: Federal $ 6,290 $ 8,956 $ 12,174 State 17 327 732 6,307 9,283 12,906 Deferred: Federal 712 451 ( 158 ) State ( 624 ) 19 ( 49 ) 88 470 ( 207 ) Total $ 6,395 $ 9,753 $ 12,699 A reconciliation of actual income tax expense in the financial statements to the “expected” tax expense (computed by applying the statutory federal income tax rate of 21 % to income before income taxes) for the years ended December 31, 2023, 2022, and 2021 is as follows (in thousands): 2023 2022 2021 Computed tax expense at statutory rate $ 7,602 $ 10,242 $ 12,889 State income taxes, net of effect of federal income ( 480 ) 273 540 Tax-exempt interest income ( 253 ) ( 265 ) ( 294 ) Earnings on bank owned life insurance contracts ( 828 ) ( 629 ) ( 384 ) Disallowed expenses 147 61 66 Excess tax (benefit) expense related to stock compensation 6 ( 45 ) ( 163 ) Nondeductible acquisition related expenses 322 — — Federal tax credits ( 709 ) ( 421 ) ( 57 ) Amortization of investment in low-income housing credits 681 412 56 Other ( 93 ) 125 46 Total $ 6,395 $ 9,753 $ 12,699 The effective tax rate compared favorably to the statutory federal rate of 21 % and Tennessee excise tax rate of 6.5 % primarily due to investments in qualified municipal securities and company owned life insurance, federal and state tax credits and the recognition of excess tax benefits related to stock compensation, net of the effect of certain non-deductible expenses. Significant items that gave rise to deferred taxes at December 31, 2023 and 2022 were as follows (in thousands): December 31, 2023 December 31, 2022 Deferred tax assets: Allowance for loan losses $ 6,332 $ 5,525 Net operating loss carryforward 578 317 Organization and preopening costs — 56 Stock-based compensation 633 307 Acquired loans 478 673 Accrued contributions 116 336 Lease liability 2,658 ( 381 ) Acquired deposits 28 95 Accrued compensation 708 1,001 Deferred loan fees 2,479 2,301 Unrealized loss on securities available for sale 16,619 18,285 Contingency reserve 702 82 Other 702 118 Deferred tax assets 32,033 28,715 Deferred tax liabilities: Depreciation 1,616 1,609 Goodwill 777 624 Right of use asset 2,438 ( 428 ) Partnership investments 1,777 826 Amortization of core deposit intangible 459 770 Other acquired assets 187 229 Other 722 456 Deferred tax liabilities 7,976 4,086 Net deferred tax asset $ 24,057 $ 24,629 At December 31, 2023, the Company had federal net operating loss carryforwards of approximately $ 1.0 million and state net operating loss carryforwards of $ 0.4 million, which expire at various dates from 2030 to 2043 and beyond. Defer red tax assets are fully recognized because the benefits are more likely than not to be realized based on management's estimation of future taxable earnings. There were no significant unrecognized income tax benefits as of December 31, 2023 or December 31, 2022. As of December 31, 2023 and 2022 the Company had no accrued interest or penalties related to uncertain tax penalties.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
Commitments and Contingencies	Dec. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	NOTE 14 – COMMITMENTS AND CONTINGENCIES In the normal course of business, the Company has outstanding commitments and contingent liabilities, such as commitments to extend credit and standby letters of credit, which are not included in the accompanying financial statements. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual or notional amount of those instruments. The Company uses the same credit policies in making such commitments as it does for instruments that are included in the balance sheet. The following table sets forth outstanding financial instruments whose contract amounts represent credit risk as of December 31, 2023 and 2022 (in thousands): Contract or notional amount December 31, 2023 December 31, 2022 Financial instruments whose contract amounts represent Unused commitments to extend credit $ 988,464 $ 1,112,950 Standby letters of credit 7,742 7,288 Total $ 996,206 $ 1,120,238 The Company is party to litigation and claims arising in the normal course of business. Management believes that the liabilities, if any, arising from such litigation and claims as of December 31, 2023, will not have a material impact on the financial statements of the Company. The Company was notified of a potential operational loss in the amount of $ 0.7 million during the third quarter of 2022, which was recorded in the quarter. Based upon new information (a favorable trial court ruling) after recording the loss, the Company deemed this loss recovered and reversed the loss of $ 0.7 million in the fourth quarter of 2022. Following a favorable ruling from the Tennessee Court of Appeals during the fourth quarter of 2023, and the failure of the plaintiff to request permission to appeal to the Tennessee Supreme Court within the time allowed, the Company and its legal counsel believe that any liability on this matter is remote. Accordingly, a loss contingency was not recorded in the Company's liabilities as of December 31, 2023 or December 31, 2022.

Concentration of Credit Risk

Concentration of Credit Risk	12 Months Ended
Concentration of Credit Risk	Dec. 31, 2023
Risks and Uncertainties [Abstract]
Concentration of Credit Risk	NOTE 15 – CONCENTRATION OF CREDIT RISK Substantially all of the Company’s loans, commitments, and standby letters of credit have been granted to customers in the Company’s market areas. The concentrations of credit by type of loan are set forth in Note 4 to the financial statements. As of December 31, 2023 and 2022, the Co mpany’s cash and due from banks, federal funds sold and interest-bearing deposits in financial institutions aggregated $ 259.6 million and $ 135.3 million, respectively of which $ 216.1 million and $ 99.3 million, respectively, were due from the Federal Reserve.

Regulatory Matters And Restrict

Regulatory Matters And Restrictions On Dividends	12 Months Ended
Regulatory Matters And Restrictions On Dividends	Dec. 31, 2023
Banking and Thrift, Interest [Abstract]
Regulatory Matters And Restrictions On Dividends	NOTE 16 – REGULATORY MATTER S AND RESTRICTIONS ON DIVIDENDS The Company and the Bank are subject to regulatory capital requirements administered by the Federal Reserve and the Bank is also subject to the regulatory capital requirements of the Tennessee Department of Financial Institutions. Failure to meet capital requirements can initiate certain mandatory – and possibly additional discretionary – actions by regulators that could, in that event, have a material adverse effect on the institutions’ financial statements. The relevant regulations require the Company and the Bank to meet specific capital adequacy guidelines that involve quantitative measures of their assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting principles. The capital classifications of the Company and the Bank are also subject to qualitative judgments by their regulators about components, risk weightings, and other factors. Those qualitative judgments could also affect the capital status of the Company and the Bank and the amount of dividends the Company and the Bank may distribute. The final rules implementing the Basel Committee on Banking Supervision’s capital guidelines for U.S. Banks (Basel III rules) became effective for the Company on January 1, 2015 with full compliance with all of the requirements being phased in over a multi-year schedule, and fully phased in by January 1, 2019. The net unrealized gain or loss on available for sale securities is not included in computing regulatory capital. Management believes as of December 31, 2023, the Company and the Bank met all regulatory capital adequacy requirements to which they are subject. The Federal Deposit Insurance Corporation Improvement Act of 1991 establishes a system of “prompt corrective action” to resolve the problems of undercapitalized insured depository institutions. Under this system, federal banking regulators have established five capital categories: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. Federal banking regulators are required to take various mandatory supervisory actions and are authorized to take other discretionary actions with respect to institutions in the three undercapitalized categories. The severity of the action depends upon the capital category in which the institution is placed. For example, institutions in all three undercapitalized categories are automatically restricted from paying distributions and management fees, whereas only an institution that is significantly undercapitalized or critically undercapitalized is restricted in its compensation paid to senior executive officers. Generally, subject to a narrow exception, the banking regulator must appoint a receiver or conservator for an institution that is critically undercapitalized. At December 31, 2023 and 2022, the Company and the Bank were well capitalized under the regulatory framework for prompt corrective action. There have been no conditions or events subsequent to December 31, 2023 that management believes have changed the Company’s or the Bank’s category. The Company’s and the Bank’s capital amounts and ratios are presented in the following table (dollars in thousands): Actual Minimum capital Minimum to be Amount Ratio Amount Ratio Amount Ratio At December 31, 2023: Total capital to risk-weighted assets: CapStar Financial Holdings, Inc. $ 416,556 15.78 % $ 210,505 8.00 % N/A N/A CapStar Bank 406,099 15.40 210,920 8.00 $ 263,651 10.00 % Tier I capital to risk-weighted assets: CapStar Financial Holdings, Inc. 363,377 13.77 157,879 6.00 N/A N/A CapStar Bank 382,720 14.52 158,190 6.00 210,920 8.00 Common equity Tier 1 capital to risk weighted CapStar Financial Holdings, Inc. 363,377 13.77 118,409 4.50 N/A N/A CapStar Bank 366,220 13.89 118,643 4.50 171,373 6.50 Tier I capital to average assets: CapStar Financial Holdings, Inc. 363,377 11.22 129,523 4.00 N/A N/A CapStar Bank 382,720 11.82 129,467 4.00 164,185 5.00 At December 31, 2022: Total capital to risk-weighted assets: CapStar Financial Holdings, Inc. $ 410,704 14.51 % $ 226,491 8.00 % N/A N/A CapStar Bank 402,453 14.22 226,407 8.00 $ 283,009 10 % Tier I capital to risk-weighted assets: CapStar Financial Holdings, Inc. 356,913 12.61 169,868 6.00 N/A N/A CapStar Bank 378,328 13.37 169,805 6.00 226,407 8.00 Common equity Tier 1 capital to risk weighted CapStar Financial Holdings, Inc. 356,913 12.61 127,401 4.50 N/A N/A CapStar Bank 361,828 12.79 127,354 4.50 183,956 6.50 Tier I capital to average assets: CapStar Financial Holdings, Inc. 356,913 11.40 125,202 4.00 N/A N/A CapStar Bank 378,328 12.10 125,089 4.00 156,361 5.00 (1) For the calendar years 2023 and 2022, the Company was required to maintain a capital conservation buffer of Tier 1 common equity capital in excess of minimum risk-based capital ratios by at least 2.5 % to avoid limits on capital distributions and certain discretionary bonus payments to executive officers and similar employees. (2) For the Company to be well-capitalized, the Bank must be well-capitalized and the Company must not be subject to any written agreement, order, capital directive, or prompt corrective action directive issued by the Federal Reserve to meet and maintain a specific capital level for any capital measure. Under Tennessee banking law, the Bank is subject to restrictions on the payment of dividends. Banking regulations limit the amount of dividends that may be paid without prior approval of the Tennessee Department of Financial Institutions. Under these regulations, the amount of dividends that may be paid in any calendar year without prior approval of the Tennessee Department of Financial Institutions is limited to the current year’s net income, combined with the retained net income of the preceding two years, subject to the capital requirements described above. The Bank’s payment of dividends may also be affected or limited by other factors, such as the requirement to maintain adequate capital above regulatory guidelines. The federal banking agencies have indicated that paying dividends that deplete a depository institution’s capital base to an inadequate level would be an unsafe and unsound banking practice. Under the Federal Deposit Insurance Corporation Improvement Act of 1991, a depository institution may not pay any dividends if payment would cause it to become undercapitalized or if it already is undercapitalized. Moreover, the federal agencies have issued policy statements that provide that Company holding companies and insured banks should generally only pay dividends out of current operating earnings. Based on these regulations, the Bank was eligible to pay $ 74.6 million and $ 89.9 million of dividends as of December 31, 2023 and 2022, respectively. The Bank paid the Company $ 30.8 million and $ 14.1 million of dividends during the year ended December 31, 2023 and 2022, respectively.

Stock Options and Restricted Sh

Stock Options and Restricted Shares	12 Months Ended
Stock Options and Restricted Shares	Dec. 31, 2023
Share-Based Payment Arrangement [Abstract]
Stock Options and Restricted Shares	NOTE 17 – STOCK OPTIONS AND RESTRICTED SHARES The 2021 Stock Incentive Plan (the "Plan") provides for the grant of stock-based incentives, including stock options, restricted stock units, performance awards and restricted stock, to employees, directors and service providers that are subject to forfeiture until vesting conditions have been satisfied by the award recipient under the terms of the award. The Plan is intended to help align the interests of employees and our shareholders and reward our employees for improved Company performance. The Plan reserved 1,168,543 shares of stock for issuance of stock incentives. Stock incentives include both restricted stock and stock option grants. Total shares issuable under the plan were 1,046,291 at December 31, 2023. The Company has recognized stock-based compensation expense, within salaries and employee benefits for employees, and within other noninterest expense for directors, in the consolidated statements of income as follows (in thousands): For the years ended December 31, 2023 2022 2021 Stock-based compensation expense before income taxes $ 1,677 $ 1,355 $ 1,600 Less: deferred tax benefit ( 438 ) ( 354 ) ( 418 ) Reduction of net income $ 1,239 $ 1,001 $ 1,182 Restricted Shares, Restricted Stock Units, and Performance Stock Units We grant time-vested restricted stock units and performance stock units to certain key employees and directors under our stock award plan. Compensation expense is recognized over the vesting period of the awards based on the fair value of the stock at the issue date. Awards vest ratably over a one , two or three-year vesting period depending on the specific award. Performance stock units vest based upon the attainment of certain performance metrics over a three-year cumulative performance period. Certain of these awards are eligible to receive dividend equivalent shares. The grant date fair value of these awards approximates the market value of the shares. For awards based upon the achievement of the performance goals, the awards are earned ratably from 0 % to 188 %. If the performance goals are met at the end of the performance period, the award is adjusted to reflect the Company’s three-year total shareholder return (TSR) performance relative to a capital market peer group. This TSR modifier cannot cause the award to exceed the maximum of 188 %. The recipients have the right to vote and receive dividends but cannot sell, transfer, assign, pledge, hypothecate, or otherwise encumber the restricted stock until the shares have vested. A summary of the changes in the Company’s nonvested stock awards for the years ended December 31, 2023, 2022, and 2021 follows: Weighted Average Restricted Grant Date Nonvested Shares Shares Fair Value For the Year December 31, 2023 Nonvested at beginning of period 170,426 $ 16.76 Granted 116,941 17.75 Vested ( 39,434 ) 14.51 Forfeited ( 44,770 ) 15.17 Nonvested at end of period 203,163 $ 17.57 For the Year December 31, 2022 Nonvested at beginning of period 177,020 $ 14.00 Granted 92,212 21.22 Vested ( 58,637 ) 16.34 Forfeited ( 40,169 ) 15.35 Nonvested at end of period 170,426 $ 16.76 For the Year December 31, 2021 Nonvested at beginning of period 148,414 $ 14.39 Granted 143,591 14.84 Vested ( 91,763 ) 14.99 Forfeited ( 23,222 ) 14.52 Nonvested at end of period 177,020 $ 14.00 As of December 31, 2023, there was $ 1.2 mill ion of total unrecognized compensation cost related to nonvested shares granted under the Plan. The cost is expected to be recognized over a weighted-average period of 1.7 years. The total fair value of shares vested during the years ended December 31, 2023, 2022 and 2021 was $ 0.6 million, $ 1.0 million and $ 1.7 million, respectively. Stock Options Option awards are generally granted with an exercise price equal to the fair value of the Company’s common stock at the date of grant. Option awards generally have a three year vesting period and a ten year contractual term. The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model that uses the assumptions noted in the table below. Expected volatility is based on calculations performed by management using industry data. The expected term of options granted was calculated using the “simplified” method for plain vanilla options as permitted under authoritative literature. The risk-free rate for periods within the contractual life of the option is based on the U.S. Treasury yield curve in effect at the time of grant. There were no options granted during 2023, 2022, or 2021. A summary of the activity in stock options for years ended December 31, 2023, 2022, and 2021 follows: Weighted Weighted Average Average Remaining Exercise Contractual Shares Price Term (years) Year ended December 31, 2023 Outstanding at the beginning of period 124,445 $ 12.11 Granted — — Exercised ( 31,458 ) 8.79 Forfeited or expired ( 122 ) 8.79 Outstanding at end of period 92,865 $ 13.24 3.7 Fully vested and expected to vest 92,865 $ 13.24 3.7 Exercisable at end of period 92,865 $ 13.24 3.7 Year ended December 31, 2022 Outstanding at the beginning of period 130,245 $ 11.96 Granted — — Exercised ( 5,800 ) 8.79 Forfeited or expired — 8.79 Outstanding at end of period 124,445 $ 12.11 4.0 Fully vested and expected to vest 124,445 $ 12.11 4.0 Exercisable at end of period 124,445 $ 12.11 4.0 Year ended December 31, 2021 Outstanding at the beginning of period 226,589 $ 11.73 Granted — — Exercised ( 96,344 ) 11.41 Forfeited or expired — — Outstanding at end of period 130,245 $ 11.96 4.9 Fully vested and expected to vest 130,245 $ 11.96 4.9 Exercisable at end of period 113,578 $ 11.54 4.5 Information related to stock options during 2023, 2022 and 2021 follows: 2023 2022 2021 Intrinsic value of options exercised $ 162,330 $ 71,340 $ 821,174 Cash received from option exercises 276,516 50,982 1,077,489 Tax benefit realized from option exercises 42,206 18,648 148,312 Weighted average fair value of options granted — — — As of December 31, 2023, all compensation cost related to stock options granted under the Plan has been recognized.

Employment Contracts

Employment Contracts	12 Months Ended
Employment Contracts	Dec. 31, 2023
Employment Contracts Disclosure [Abstract]
Employment Contracts	NOTE 18– EMPLOYMENT CONTRACTS The Company has entered into employment contracts with certain senior executives with various expiration dates. Most of the contracts have an option for annual renewal by mutual agreement. The agreements specify that in certain terminating events the Company will be obligated to provide certain benefits and pay each of the senior executives severance based on their annual salaries. These terminating events include termination of employment without “Cause” (as defined in the agreements) or in certain other circumstances (such as a change in control) specified in the agreements. In connection with the Old National Merger, the agreements with certain of our senior executives were amended to incentivize them to remain with the Company as well as to ensure a smooth transition during the Merger process and a smooth integration following the closing of the Merger.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
Employee Benefit Plans	Dec. 31, 2023
Retirement Benefits [Abstract]
Employee Benefit Plans	NOTE 19 – EMPLOYEE BENEFIT PLANS The Company has a Retirement Savings 401(k) Plan in which employees may participate. The Company has elected a safe harbor 401(k) plan and as such is required to make an annual contribution of 3 % of the employees’ salaries. An employee does not have to contribute to receive the employer contribution. In addition, the Company may make an additional discretionary contribution up to 6 % of the employees’ salaries annually. For the years ended December 31, 2023, 2022 and 2021, the Company contrib uted $ 1.0 million, $ 1.0 million and $ 1.0 million respectively, to the 401(k) Plan. The Company also has a Health Reimbursement Plan in place to offset the cost of healthcare deductibles for employees. At the end of the year, up to one-half of the unused balance in the employee’s account will be available for the following year up to a maximum of the deductible for that employee.

Derivative Instruments

Derivative Instruments	12 Months Ended
Derivative Instruments	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Instruments	NOTE 20 – DERIVATIVE INSTRUMENTS The Company utilizes interest rate swap agreements as part of its asset liability management strategy to help manage its interest rate risk position. The notional amount of the interest rate swaps does not represent amounts exchanged by the parties. The amount exchanged is determined by reference to the notional amount and the other terms of the individual interest rate swap agreements. Interest Rate Swaps Designated as Cash Flow Hedges There were no interest rate swaps designated as cash flow hedges as of December 31, 2023, 2022, or 2021. There are no unrealized gains or losses on cash flow hedges in accumulated other comprehensive income as of December 31, 2023 or 2022. Other Interest Rate Swaps The Company also enters into swaps to facilitate customer transactions and meet their financing needs. Upon entering into these transactions the Company enters into offsetting positions with large U.S. financial institutions in order to minimize market risk to the Company. A summary of the Company’s customer related interest rate swaps is as follows (in thousands): December 31, 2023 December 31, 2022 Notional Estimated Notional Estimated amount fair value amount fair value Interest rate swap agreements: Pay fixed/receive variable swaps $ 30,134 $ 1,560 $ 35,641 $ ( 2,343 ) Pay variable/receive fixed swaps 30,134 ( 1,560 ) 35,641 2,343 Total $ 60,268 $ — $ 71,282 $ — Mortgage Banking Derivatives The Company enters into various derivative agreements with customers in the form of interest-rate lock commitments which are commitments to originate mortgage loans whereby the interest rate on the loan is determined prior to funding and the customers have locked into that interest rate. The derivatives are valued using a model that utilizes market interest rates and other unobservable inputs. Changes in the fair value of these commitments due to fluctuations in interest rates that are to be originated to our loans held for sale portfolio are economically hedged through the use of forward sale commitments of mortgage-backed securities. The gains and losses arising from this derivative activity are reflected in current period earnings under mortgage banking income. Interest rate lock commitments are valued using a model with significant unobservable market parameters. Forward sale commitments are valued based on quoted prices for similar assets in an active market with inputs that are observable. The net gains (losses) relating to mortgage banking derivative instruments included in mortgage banking income were as follows (dollars in thousands): For the Year Ended December 31, 2023 2022 2021 Mortgage loan interest rate lock commitments $ 279 $ 690 $ ( 1,911 ) Mortgage-backed securities forward sales commitments ( 171 ) ( 187 ) 466 Total $ 108 $ 503 $ ( 1,445 ) The amount and fair value of mortgage banking derivatives included in the consolidated balance sheets was as follows (dollars in thousands): December 31, 2023 December 31, 2022 Notional Estimated Notional Estimated amount fair value amount fair value Included in other assets: Mortgage loan interest rate lock commitments $ 12,218 $ 285 $ 19,413 $ 6 Mortgage-backed securities forward sales commitments 14,500 — 12,500 27

Related Party

Related Party	12 Months Ended
Related Party	Dec. 31, 2023
Related Party Transactions [Abstract]
Related Party	NOTE 21 – RELATED PARTY The Company may enter into loan transactions with certain directors, executive officers, significant shareholders, and their affiliates. Such transactions were made in the ordinary course of business on substantially the same terms, including interest rates and collateral, as those prevailing at the same time for comparable transactions with persons not affiliated with the Company, and did not, in the opinion of management, involve more than normal credit risk or present other unfavorable features. None of these loans were individually evaluated at December 31, 2023 or 2022. Activity within these loans during the years ended December 31, 2023 and 2022 was as follows (in thousands): Total Total funded Year ended December 31, 2023 Beginning of period $ 52,763 $ 33,305 New commitments/draw downs 15,000 14,677 Repayments ( 7,591 ) ( 7,976 ) End of period $ 60,172 $ 40,006 Year ended December 31, 2022 Beginning of period $ 10,577 $ 8,538 New commitments/draw downs 42,625 24,871 Repayments ( 439 ) ( 104 ) End of period $ 52,763 $ 33,305 Deposits from directors, executive officers, significant shareholders and their affiliates as of December 31, 2023 and 2022 were $ 51.7 million and $ 30.9 million, respectively.

Fair Value

Fair Value	12 Months Ended
Fair Value	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Fair Value	NOTE 22 – FAIR VALUE Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2: Significant observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. The Company used the following methods and significant assumptions to estimate fair value: Investment Securities : The fair values for investment securities are determined by quoted market prices, if available (Level 1). For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2), using matrix pricing. Matrix pricing is a mathematical technique commonly used to price debt securities that are not actively traded and values debt securities by relying on quoted prices for the specific securities and the securities’ relationship to other benchmark quoted securities (Level 2 inputs). For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3). See below for additional discussion of Level 3 valuation methodologies and significant inputs. The fair values of all securities are determined from third party pricing services without adjustment. Derivatives-Interest Rate Swaps : The fair values of derivatives are based on valuation models using observable market data as of the measurement date (Level 2). The Company’s derivatives are traded in an over-the-counter market where quoted market prices are not always available. Therefore, the fair values of derivatives are determined using quantitative models that utilize multiple market inputs. The inputs will vary based on the type of derivative, but could include interest rates, prices and indices to generate continuous yield or pricing curves, prepayment rates, and volatility factors to value the position. The majority of market inputs are actively quoted and can be validated through external sources, including brokers, market transactions and third-party pricing services. The fair values of all interest rate swaps are determined from third party pricing services without adjustment. Individually Evaluated Loans : The fair value of individually evaluated loans, formerly "impaired" under incurred loss methodology, with specific allocations of the ACL is generally based on recent appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available for similar loans and collateral underlying such loans. Such adjustments result in a Level 3 classification of the inputs for determining fair value. Collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification. Individually evaluated loans are evaluated on at least a quarterly basis for additional impairment and adjusted in accordance with the loan policy. Other Real Estate Owned : Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals which are updated no less frequently than annually. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach with data from comparable properties. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Appraisals may be adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and/or management’s expertise and knowledge of the collateral. Such adjustments result in a Level 3 classification of the inputs for determining fair value. Real estate owned properties are evaluated on a quarterly basis for additional impairment and adjusted accordingly. The Company had no other real estate owned carried at fair value at December 31, 2023 or 2022. Loans Held For Sale : Loans held for sale are carried at either fair value, if elected, or the lower of cost or fair value on a pool-level basis. Origination fees and costs for loans held for sale recorded at lower of cost or market are capitalized in the basis of the loan and are included in the calculation of realized gains and losses upon sale. Origination fees and costs are recognized in earnings at the time of origination for loans held for sale that are recorded at fair value. Fair value is determined using quoted prices for similar assets, adjusted for specific attributes of that loan or other observable market data, such as outstanding commitments from third party investors (Level 2). Derivatives-Mortgage Loan Interest Rate Lock Commitments : Interest rate lock commitments that relate to the origination of mortgage loans that will be held for sale are recorded at fair value, determined as the amount that would be required to settle each derivative instrument at the balance sheet date. The fair value of the interest rate lock commitment is derived from the fair value of related mortgage loans, which is based on observable market data and includes the expected net future cash flows related to servicing of the loans. In estimating the fair value of an interest rate lock commitment, the Company assigns a probability to the interest rate lock commitment based on an expectation that it will be exercised and the loan will be funded (a “pull through” rate). The expected pull through rates are applied to the fair value of the unclosed mortgage pipeline, resulting in a Level 3 fair value classification. The pull through rate is a statistical analysis of our actual rate lock fallout history to determine the sensitivity of the residential mortgage loan pipeline compared to interest rate changes and other deterministic values. New market prices are applied based on updated loan characteristics and new fallout ratios (i.e., the inverse of the pull through rate) are applied accordingly. Significant increases (decreases) in the pull through rate in isolation result in a significantly higher (lower) fair value measurement. Changes to the fair value of interest rate lock commitments are recognized based on interest rate changes, changes in the probability that the commitment will be exercised, and the passage of time. Derivatives-Mortgage-Backed Securities Forward Sales Commitments : The Company utilizes mortgage-backed securities forward sales commitments to hedge mortgage loan interest rate lock commitments. Mortgage-backed securities forward sales commitments are recorded at fair value based on quoted prices for similar assets in an active market with inputs that are observable, resulting in a Level 2 fair value classification. . Assets and liabilities measured at fair value on a recurring basis are summarized below (in thousands): Fair value measurements at December 31, 2023 Quoted prices in active Significant markets for other Significant identical observable unobservable Carrying assets inputs inputs Value (Level 1) (Level 2) (Level 3) Assets: Securities available-for-sale: U. S. government agency securities $ 11,604 $ — $ 11,604 $ — State and municipal securities 68,052 — 68,052 — Mortgage-backed securities 220,065 — 220,065 — Asset-backed securities 3,146 — 3,146 — Other debt securities 56,453 — 56,453 — Loans held for sale 10,287 — 10,287 — Derivative assets: Interest rate swaps - customer related 1,560 — 1,560 — Mortgage loan interest rate lock commitments 285 — — 285 Liabilities: Derivative liabilities: Interest rate swaps - customer related 1,560 — 1,560 — Fair value measurements at December 31, 2022 Quoted prices in active Significant markets for other Significant identical observable unobservable Carrying assets inputs inputs Value (Level 1) (Level 2) (Level 3) Assets: Securities available-for-sale: U. S. government agency securities $ 12,902 $ — $ 12,902 $ — State and municipal securities 68,312 — 68,312 — Mortgage-backed securities 244,828 — 244,828 — Asset-backed securities 3,270 — 3,270 — Other debt securities 67,104 — 67,104 — Loans held for sale 12,636 — 12,636 — Derivative assets: Interest rate swaps - customer related 2,343 — 2,343 — Mortgage loan interest rate lock commitments 6 — — 6 Mortgage-backed securities forward sales commitments 27 — 27 — Liabilities: Derivative liabilities: Interest rate swaps - customer related 2,343 — 2,343 — The table below presents a reconciliation of all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2023 and 2022 (dollars in thousands): Mortgage Loan Interest Rate Lock Commitments 2023 2022 Balance of recurring Level 3 assets at January 1st $ 6 $ 696 Total gains or losses for the period: Included in mortgage banking income 279 ( 690 ) Balance of recurring Level 3 assets at December 31st $ 285 $ 6 The following table presents quantitative information about recurring Level 3 fair value measurements at December 31, 2023 and 2022 (dollars in thousands). Range Fair Valuation (Weighted- December 31, 2023 Value Technique(s) Unobservable Input(s) Average) Assets: Non-hedging derivatives: Mortgage loan interest rate lock commitments $ 285 Consensus pricing Origination pull-through rate 80 % - 100 % ( 95 %) Range Fair Valuation (Weighted- December 31, 2022 Value Technique(s) Unobservable Input(s) Average) Assets: Non-hedging derivatives: Mortgage loan interest rate lock commitments $ 6 Consensus pricing Origination pull-through rate 80 % - 100 % ( 94 %) Assets measured at fair value on a nonrecurring basis are summarized below (in thousands): Quoted prices in active Significant markets for other Significant identical observable unobservable Carrying assets inputs inputs Value (level 1) (level 2) (level 3) Fair value measurements at December 31, 2023 Assets: Individually evaluated loans: Commercial and industrial $ 384 — — $ 384 Commercial real estate - non-owner occupied 152 — — 152 Fair value measurements at December 31, 2022 Assets: Impaired loans: Commercial and industrial $ 3,169 — — $ 3,169 The following table presents quantitative information about Level 3 fair value measurements for assets measured at fair value on a nonrecurring basis (dollars in thousands): Range Fair Valuation (Weighted- December 31, 2023 Value Technique(s) Unobservable Input(s) Average) Individually evaluated loans: Commercial and industrial $ 384 Income approach Fair value discount 10 % Commercial real estate - non-owner occupied 152 Income approach Fair value discount 10 % December 31, 2022 Impaired loans: Commercial and industrial $ 3,069 Sales comparison approach Appraisal discounts 10 % Commercial and industrial 100 Income approach Fair value discount 9 % Fair Value of Financial Instruments The carrying value and estimated fair values of the Company’s financial instruments at December 31, 2023 and 2022 were as follows (in thousands): December 31, 2023 December 31, 2022 Carrying Carrying Fair value amount Fair value amount Fair value level of input Financial assets: Cash and due from banks, interest-bearing deposits in $ 249,611 $ 249,611 $ 130,838 $ 130,838 Level 1 Federal funds sold 10,000 10,000 4,467 4,467 Level 1 Securities available-for-sale 359,320 359,320 396,416 396,416 Level 2 Securities held-to-maturity — — 1,240 1,240 Level 2 Loans held for sale 32,264 33,937 44,708 46,585 Level 2 Restricted equity securities 13,334 N/A 16,632 N/A N/A Loans held for investment 2,269,746 2,178,502 2,312,798 2,265,617 Level 3 Accrued interest receivable 12,588 12,588 10,511 10,511 Level 2 Other assets 92,408 92,408 93,230 93,230 Level 2 / Level 3 Financial liabilities: Deposits 2,662,252 2,422,383 2,679,819 2,659,822 Level 2 Subordinated notes and Federal Home Loan bank advances and other borrowings 79,800 79,768 44,666 43,831 Level 2 Other liabilities 9,216 9,216 4,605 4,605 Level 3 The methods and assumptions, not previously presented, used to estimate fair values are described as follows: (a) Cash and Due from Banks, Interest-Bearing Deposits in Financial Institutions For these short-term instruments, the carrying amount is a reasonable estimate of fair value. (b) Federal Funds Sold Federal funds sold clear on a daily basis. For this reason, the carrying amount is a reasonable estimate of fair value. (c) Loans Held for Sal e Loans held for sale include residential mortgage loans, the guaranteed portion of SBA loans, and Tri-Net loans. The fair value of residential mortgage and SBA loans held for sale is measured using an exit price notion. The fair value of Tri-Net loans held for sale is measured using an exit price notion in as much as observable market data is available. Where there is no observable market data, the fair value of Tri-Net loans held for sale is estimated using discounted cash flow models. There were no Tri-Net loans held for sale as of December 31, 2023. (d) Restricted Equity Securities It is not practical to determine the fair value of restricted securities due to restrictions placed on their transferability. (e) Loans Held for Investment In accordance with the adoption of ASU 2016-01, the fair value of loans is measured using an exit price notion. Fair values for impaired loans are estimated using discounted cash flow models or based on the fair value of the underlying collateral. (f) Accrued interest receivable The carrying amount of accrued interest approximates fair value. (g) Other Assets Included in other assets are bank owned life insurance and certain interest rate swap agreements. The fair values of interest rate swap agreements are based on independent pricing services that utilize pricing models with observable market inputs. For bank owned life insurance, the carrying amount is based on the cash surrender value and is a reasonable estimate of fair value. (h) Deposits The fair value of demand deposits, savings accounts and certain money market deposits is the amount payable on demand at the reporting date. The fair value of certificates of deposit is estimated by discounted cash flow models, using current market interest rates offered on certificates with similar remaining maturities. (i) Federal Home Loan Bank Advances and Other Borrowings The fair value of fixed rate Federal Home Loan Bank Advances and other borrowings is estimated using discounted cash flow models, using current market interest rates offered on certificates, advances and other borrowings with similar remaining maturities. (j) Other Liabilities Included in other liabilities are accrued interest payable and certain interest rate swap agreements. The fair values of interest rate swap agreements are based on independent pricing services that utilize pricing models with observable market inputs. The carrying amounts of accrued interest approximate fair value. (k) Off-Balance Sheet Instruments Fair values for off-balance sheet, credit-related financial instruments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing. The fair value of commitments is not material. (l) Limitations Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instruments. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on estimating on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, fixed assets are not considered financial instruments and their value has not been incorporated into the fair value estimates. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.

Parent Company Only Financial I

Parent Company Only Financial Information	12 Months Ended
Parent Company Only Financial Information	Dec. 31, 2023
Condensed Financial Information Disclosure [Abstract]
Parent Company Only Financial Information	NOTE 23 – PARENT COMPANY ONLY FINANCIAL INFORMATION The following information presents the condensed balance sheets of CapStar Financial Holdings, Inc. as of the years ended December 31, 2023 and 2022 (in thousands). Condensed Balance Sheets December 31, 2023 December 31, 2022 Assets Cash and cash equivalents $ 9,650 $ 7,346 Investment in consolidated subsidiary 380,900 375,596 Other assets 1,187 932 Total assets $ 391,737 $ 383,874 Liabilities and Shareholders' Equity Subordinated debt $ 29,800 $ 29,666 Other liabilities 379 26 Total shareholders' equity 361,558 354,182 Total liabilities and shareholders' equity $ 391,737 $ 383,874 The following information presents the statements of income, and statements of cash flows of CapStar Financial Holdings, Inc. for the years ended December 31, 2023, 2022 and 2021 (in thousands). Condensed Income Statements Year Ended Year Ended Year Ended December 31, 2023 December 31, 2022 December 31, 2021 Income - dividends from subsidiary $ 30,830 $ 14,100 $ 5,150 Interest expense subordinated debt 1,575 1,575 1,575 Other expenses 2,604 884 954 Income (loss) before income taxes and equity in undistributed net income of subsidiary 26,651 11,641 2,621 Income tax benefit ( 676 ) ( 651 ) ( 645 ) Income before equity in undistributed net income of subsidiary 27,327 12,292 3,266 Equity in undistributed net income of subsidiary 2,477 26,725 45,411 Net income $ 29,804 $ 39,017 $ 48,677 Condensed Statements of Cash Flow Year Ended Year Ended Year Ended December 31, 2023 December 31, 2022 December 31, 2021 Cash flows from operating activities: Net income $ 29,804 $ 39,017 $ 48,677 Adjustments to reconcile net income to net cash used in operating activities: Changes in other assets and liabilities ( 30,408 ) ( 13,594 ) ( 4,871 ) Equity in undistributed net income of subsidiary ( 2,477 ) ( 26,725 ) ( 45,411 ) Net cash used in operating activities ( 3,081 ) ( 1,302 ) ( 1,605 ) Cash flows from investing activities: Dividends received from CapStar Bank 30,830 14,100 5,150 Net cash provided by investing activities 30,830 14,100 5,150 Cash flows from financing activities: Issuance of subordinated debt — — — Repurchase of common stock ( 16,447 ) ( 9,574 ) ( 462 ) Exercise of common stock options and warrants 85 ( 79 ) 858 Common stock dividends paid ( 9,083 ) ( 7,849 ) ( 5,067 ) Net cash used in financing activities ( 25,445 ) ( 17,502 ) ( 4,671 ) Net (decrease) increase in cash and cash equivalents 2,304 ( 4,704 ) ( 1,126 ) Cash and cash equivalents at beginning of period 7,346 12,050 13,176 Cash and cash equivalents at end of period $ 9,650 $ 7,346 $ 12,050

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
Summary of Significant Accounting Policies (Policies)	Dec. 31, 2023
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The consolidated financial statements as of December 31, 2023 and 2022 and for each of the three years in the period ended December 31, 2023 include CapStar Financial Holdings, Inc. and its wholly owned subsidiary, CapStar Bank (the “Bank”, together referred to as the “Company”). Significant intercompany transactions and accounts are eliminated in consolidation. The consolidated financial statements of the Company have been prepared in conformity with U.S. generally accepted accounting principles (“GAAP”) and conform to general practices within the banking industry.
Business Combinations	Business Combinations The Company accounts for business combinations using the acquisition method of accounting. The accounts of an acquired entity are included as of the date of acquisition, and any excess of purchase price over the fair value of the net assets acquired is capitalized as goodwill. Under this method, all identifiable assets acquired, including purchased loans, and liabilities assumed are recorded at fair value. The Company typically issues common stock and/or pays cash for an acquisition, depending on the terms of the acquisition agreement. The value of shares of common stock issued is determined based on the market price of the stock as of the closing of the acquisition.
Nature of Operations	Nature of Operations Through the Bank, the Company provides full banking services to consumer and corporate customers located primarily in Tennessee. The Bank operates under a state bank charter and is a member of the Federal Reserve System. As a state member bank, the Bank is subject to regulations of the Tennessee Department of Financial Institutions, the Board of Governors of the Federal Reserve System (the “Federal Reserve”), and the Federal Deposit Insurance Corporation.
Reclassifications	Reclassifications Certain amounts, previously reported, have been reclassified to state all periods on a comparable basis and had no effect on shareholders' equity or net income.
Estimates	Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses, determination of impairment of intangible assets, including goodwill, the valuation of our investment portfolio, the valuation of loans held for sale, and deferred tax assets.
Adoption of New Accounting Standards	Adoption of New Accounting Standards On January 1, 2023, the Company adopted ASU 2016-13 Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, as amended ("ASC 326"), which replaced the incurred loss methodology with an expected loss methodology that is referred to as the current expected credit loss ("CECL") methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) ("unfunded commitments"). In addition, ASC 326 made changes to the accounting for available-for-sale debt securities. One such change is to require credit losses to be presented as an allowance rather than as a write-down on available-for-sale debt securities management does not intend to sell or believes that it is more likely than not they will be required to sell. The Company adopted ASC 326 using the modified retrospective method for all financial assets measured at amortized cost and unfunded commitments credit exposures. Results for reporting periods beginning after January 1, 2023 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP ("incurred loss"). The Company recorded a net decrease to retained earnings of $ 3.4 million as of January 1, 2023 for the cumulative adoption effect of adopting ASC 326. The transition adjustment includes a $ 1.5 million increase in the allowance for credit losses ("ACL") on loans inclusive of a $ 0.2 million reclassification of purchased accounting discounts reclassified to the ACL on loans, a $ 3.4 million increase in the ACL on unfunded commitments credit exposures, and a $ 1.3 million increase in deferred tax assets. The Company adopted ASC 326 using the prospective transition approach for financial assets purchased with credit deterioration ("PCD") that were previously classified as purchased credit impaired ("PCI") and accounted for under ASC 310-30. In accordance with the standard, management did not reassess whether PCI assets met the criteria of PCD assets as of the date of adoption. On January 1, 2023, the amortized cost basis of the PCD assets were adjusted to reflect the addition of $ 0.2 million of the ACL. The remaining noncredit discount (based on the adjusted amortized cost basis) will be accreted into interest income at the effective interest rate as of January 1, 2023. As allowed by ASC 326, the Company elected to maintain pools of loans accounted for under ASC 310-30.
Cash and Cash Equivalents	Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest-bearing deposits in financial institutions and federal funds sold. Generally, federal funds are purchased and sold for one-day periods. The Company maintains deposits in excess of the federal insurance amounts with other financial institutions. Management makes deposits only with financial institutions it considers to be financially sound.
Securities	Securities The Bank accounts for securities under the provisions of Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 320, Investments – Debt and Equity Securities . Under the provisions of FASB ASC 320, securities are to be classified in three categories and accounted for as follows: Securities Held-to-Maturity - Debt securities are classified as held-to-maturity securities when the Bank has the positive intent and ability to hold the securities to maturity. Securities held to maturity are carried at amortized cost. Trading Securities - Debt and equity securities that are bought and held principally for the purpose of selling them in the near term are classified as trading securities and reported at fair value, with unrealized gains and losses included in earnings. No securities have been classified as trading securities. Securities Available-for-Sale - Debt securities not classified as either held-to-maturity securities or trading securities are classified as available for sale securities. Securities available for sale are carried at estimated fair value with unrealized gains and losses excluded from earnings and reported as a separate component of shareholders’ equity in other comprehensive income (loss). Interest income includes amortization of purchase premiums or discounts. Premiums and discounts on securities are generally amortized on the level-yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Premiums on callable debt securities are amortized to their earliest call date. Gains and losses on sale are recorded on the trade date and determined using the specific identification method. A debt security is placed on non-accrual status at the time any principal or interest payments become over 90 days delinquent. Interest accrued but not received for a security placed on non-accrual is reversed against interest income. ACL - Available-for-Sale Securities For available-for-sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or if it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security's amortized cost basis is written down to fair value through income. For debt securities available-for sale that do not meet the aforementioned criteria, the Company evaluated whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considered the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an ACL is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an ACL is recognized in other comprehensive income. Changes in the ACL are recorded as credit loss expense (or reversal). Losses are charged against the allowance when management believes the uncollectibility of an available-for-sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Accrued interest receivable on available-for-sale debt securiti es totaled $ 1.6 million at Dece mber 31, 2023 and is excluded from the estimate of credit losses.
ACL - Available-for-Sale Securities	ACL - Available-for-Sale Securities For available-for-sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or if it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security's amortized cost basis is written down to fair value through income. For debt securities available-for sale that do not meet the aforementioned criteria, the Company evaluated whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considered the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an ACL is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an ACL is recognized in other comprehensive income. Changes in the ACL are recorded as credit loss expense (or reversal). Losses are charged against the allowance when management believes the uncollectibility of an available-for-sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Accrued interest receivable on available-for-sale debt securiti es totaled $ 1.6 million at Dece mber 31, 2023 and is excluded from the estimate of credit losses.
Loans Held For Sale and Fair Value Option	Loans Held For Sale and Fair Value Option The Company classifies loans as loans held for sale when originated with the intent to sell. As of April 1, 2019, the Company elected the fair value option for all residential mortgage loans originated with the intent to sell. This election allows for a more effective offset of the changes in fair values of the loans and the derivative instruments used to economically hedge them without the burden of complying with the requirements for hedge accounting. The Company has not elected the fair value option for other loans held for sale primarily because they are not economically hedged using derivative instruments. The fair value of residential mortgage loans originated with the intent to sell is based on traded market prices of similar assets. Other loans held for sale, such as SBA loans or Tri-Net loans, that are recorded at lower of cost or fair value may be carried at fair value on a nonrecurring basis when the fair value is less than cost. No SBA loans or Tri-Net loans were measured at fair value as of December 31, 2023. For further information, see Note 22 - Fair Value. The Company does not securitize mortgage loans. If the Company sells loans with servicing rights retained, the carrying value of the mortgage loan sold is reduced by the amount allocated to the servicing right. The changes in fair value are recorded as a component of mortgage banking income and included gains (losses) of $ 0.2 million, ($ 0.5 ) million, and $( 2.5 ) million for the years ended December 31, 2023, 2022, and 2021, respectively. The following table summarizes the difference between the fair value and the aggregate unpaid principal balance for residential real estate loans held for sale as of December 31, 2023 and 2022 (dollars in thousands): Fair Value Aggregate Unpaid Principal Balance Difference December 31, 2023 Residential mortgage loans held for sale $ 10,287 $ 10,043 $ 244 December 31, 2022 Residential mortgage loans held for sale $ 12,636 $ 12,582 $ 54
Tri-Net Fees	Tri-Net Fees Tri-Net fees are derived from the origination of commercial real estate loans with the intent to sell to third-party investors. All of these loan sales transfer servicing rights to the buyer. Realized gains and losses are recognized when legal title of the loan has transferred to the investor and sales proceeds have been received and are reflected in the accompanying statements of income in Tri-Net fees, net of related costs such as commission expenses. Loans that have not been sold at period end are classified as held for sale on the balance sheet and recorded at the lower of aggregate cost or fair value. Net unrealized losses, if any, are recorded as a valuation allowance and charged to earnings.
Loans	Loans The Company has six classes of loans held for investment: commercial real estate, consumer real estate, construction and land development, commercial and industrial, consumer, and other. The appropriate classification is determined based on the underlying collateral utilized to secure each loan. Commercial real estate includes both owner-occupied and non-owner occupied properties. The repayment of owner-occupied properties is largely dependent on the operations of the tenant, while non-owner occupied properties is dependent upon the refinance or sale of the underlying real estate. Consumer real estate consists primarily of 1-4 family residential properties including home equity lines of credit. Construction and land development loans include loans where the repayment is dependent on the successful completion and operation and/or sale of the related real estate project. Construction and land development loans include 1-4 family construction projects and commercial construction endeavors such as warehouses, apartments, office and retail space and land acquisition and development. Commercial and industrial loans include loans to business enterprises issued for commercial, industrial and/or other professional purposes. Consumer loans include all loans issued to individuals not included in the consumer real estate class. Other loans include all loans not included in the classes of loans above and leases. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at amortized cost, net of the ACL. Amortized cost is the principal balance outstanding, net of purchase premiums and discounts, and deferred loan fees and costs. Accrued interest receivable is reported in accrued interest receivable on the consolidated balance sheets and is excluded from the estimate of credit losses. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments. Interest income on mortgage and commercial loans is discontinued and placed on non-accrual status at the time the loan is 90 days delinquent unless the loan is well secured and in process of collection. Mortgage loans are charged off at 180 days past due, and commercial loans are charged off to the extent principal or interest is deemed uncollected. Consumer and credit card loans continue to accrue interest until they are charged off no later than 120 days past due unless the loan is in the process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on non-accrual or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received for loans placed on non-accrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Under the cost-recovery method, interest income is not recognized until the loan balance is reduced to zero. Under the cash-basis method, interest income is recorded when the payment is received in cash. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Acquired Loans	Acquired Loans Acquired loans are accounted for under the acquisition method of accounting. The acquired loans are recorded at their estimated fair values as of the acquisition date. Fair value of acquired loans is determined using a discounted cash flow model based on assumptions regarding the amount and timing of principal and interest payments, estimated prepayments, estimated default rates, estimated loss severity in the event of defaults, and current market rates. Estimated credit losses are included in the determination of fair value; therefore, an allowance for loan losses is not recorded on the acquisition date. Acquired non-impaired loans are recorded at their initial fair value and adjusted for subsequent advances, pay downs, amortization or accretion of any premium or discount on purchase, charge-offs and additional provisioning that may be required. Purchase Credit Deteriorated ("PCD") Loans The Company has purchased loans, some of which have experienced more than insignificant credit deterioration since origination. PCD loans are recorded at the amount paid. An ACL is determined using the same methodology as other loans held for investment. The initial ACL determined on a collective basis is allocated to individual loans. The sum of the loan's purchase price and ACL becomes its initial amortized cost basis. The differences between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the ACL are recorded through credit loss expense. Upon adoption of ASC 326, the Company elected to maintain pools of loans that were previously accounted for under ASC 310-30 and will continue to account for these pools as a unit of account. Loans are only removed from the existing pools if they are written off, paid off, or sold. Upon adoption of ASC 326, the ACL was determined for each pool and added to the pool's carrying amount to establish a new amortized cost basis. The difference between the unpaid principal balance of the pool and the new amortized cost basis is the noncredit premium or discount which will be amortized into interest income over the remaining life of the pool. Changes to the ACL after adoption are recorded through credit loss expense.
Servicing Rights	Servicing Rights When mortgage or SBA loans are sold with servicing retained, servicing rights are initially recorded at fair value with the income statement effect recorded in other noninterest income. Fair value is based on market prices for comparable mortgage servicing contracts, when available or alternatively, is based on a valuation model that calculates the present value of estimated future net servicing income. All classes of servicing assets are subsequently measured using the amortization method which requires servicing rights to be amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying loans. Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is determined by stratifying rights into groupings based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the Company later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the allowance may be recorded as an increase to income. Changes in valuation allowances are reported with other noninterest income on the Consolidated Statements of Income and the associated asset is included in other assets on the Consolidated Balance Sheets. The fair values of servicing rights are subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses. Servicing fee income, which is reported on the income statement within other noninterest income, is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. The amortization of mortgage servicing rights is netted against loan servicing fee income. Net servicing fees totaled $ 1.0 million, $ 0.4 million, and $ 0.6 million for the years ended December 31, 2023, 2022, and 2021, respectively. There were no valuation adjustments associated with these servicing rights for the years ended December 31, 2023. Valuation adjustments associated with these servicing rights amounted to $ 47 thousand and $ 77 thousand for the years ended December 31, 2022 and 2021, respectively. Late fees and ancillary fees related to loan servicing are not material.
Premises and Equipment	Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation and amortization. Depreciation is computed principally by the straight-line method over the estimated useful lives of the assets. Leasehold improvements are amortized by the straight-line method based on the shorter of the asset lives or the expected lease terms. Useful lives for premises and equipment range from one to thirty-nine years . These assets are reviewed for impairment when events indicate their carrying amount may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value.
Leases	Leases The Company recognizes a ROU asset and a corresponding lease liability for all operating leases, in the Consolidated Balance Sheets. For short term leases (term of 12 months or less), a lessee is permitted to make an accounting election not to recognize lease assets and lease liabilities. The lease cost will be allocated over the lease term on a straight-line basis.
Bank Owned Life Insurance	Bank Owned Life Insurance The Bank has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Bank owned life insurance is included in other assets on the Consolidated Balance Sheets.
Securities Sold under Agreements to Repurchase	Securities Sold under Agreements to Repurchase The Bank enters into sales of securities under agreements to repurchase at a specified future date. Such repurchase agreements are considered financing arrangements and, accordingly, the obligation to repurchase assets sold is reflected as a liability in the balance sheets of the Bank. Repurchase agreements are collateralized by debt securities which are owned and under the control of the Bank and are included in other liabilities on the Consolidated Balance Sheets.
Goodwill	Goodwill Goodwill resulting from business combinations is generally determined as the excess of the fair value of the consideration transferred, plus the fair value of any noncontrolling interests in the acquiree, over the fair value of the net assets acquired and liabilities assumed as of the acquisition date. Goodwill and intangible assets acquired in a business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually or more frequently if events and circumstances exists that indicate that a goodwill impairment test should be performed. Qualitative factors are assessed to first determine if it is more likely than not (more than 50%) that the carrying value of goodwill is less than fair value. As of June 2023, given market volatility, following the March failures of several regional banks, the Company determined it did not satisfy the more likely than not qualitative assessment that the carrying value of goodwill is less than fair value. As a result, the Company elected to perform a quantitative assessment, which included a combination of prices of comparable businesses, discounted cash flows and other techniques. The Company performed a similar analysis for the required annual impairment analysis as of the October 31, 2023 election date. Based upon the results of the quantitative assessments, including the proposed merger, we determined the fair value of the reporting unit exceeded the carrying value, resulting in no impairment. During the year ended December 31, 2022, qualitative factors indicated it was more likely than not that the carrying value of goodwill was less than fair value, thus there were no indicators of impairment and no quantitative testing was performed. Intangible assets with definite useful lives are amortized over their estimated useful lives to their estimated residual values. Goodwill is the only intangible asset with an indefinite life on the balance sheet. Core deposit intangible assets arising from whole bank acquisitions and are amortized on an accelerated method over their estimated useful lives, which range from six to ten years .
Other Real Estate Owned	Other Real Estate Owned Other real estate owned (“OREO”) includes assets that have been acquired in satisfaction of debt through foreclosure and are recorded at estimated fair value less the estimated cost of disposition. Fair value is based on independent appraisals and other relevant factors. Valuation adjustments required at foreclosure are charged to the allowance for loan losses. Subsequent to foreclosure, additional losses resulting from the periodic revaluation of the property are charged to other real estate expense. Costs of operating and maintaining the properties and any gains or losses recognized on disposition are also included in other real estate expense. Improvements made to properties are capitalized if the expenditures are expected to be recovered upon the sale of the properties.
Restricted Equity Securities	Restricted Equity Securities The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based upon the level of borrowings and other factors, and may invest additional amounts. FHLB stock is carried at cost, classified as a restricted equity security, and periodically evaluated for impairment based on an assessment of the ultimate recovery of par value. Both cash and stock dividends are reported as interest income on the Consolidated Statements of Income. The Bank is also a member of the Federal Reserve System, and as such, holds stock of the Federal Reserve Bank of Atlanta (“Federal Reserve Bank”). Federal Reserve Bank stock is carried at cost, classified as a restricted equity security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as interest income on the Consolidated Statements of Income.
Income Taxes	Income Taxes Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50 % likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. The Company’s tax returns remain open to audit under the statute of limitations by the IRS and various states for the years ended December 31, 2020 through 2023. It is the Company’s policy to recognize interest and/or penalties related to income tax matters in income tax expense on the Consolidated Statements of Income.
Stock-Based Compensation	Stock-Based Compensation Stock-based compensation expense is recognized based on the fair value of the portion of stock-based payment awards that are ultimately expected to vest, reduced for estimated forfeitures. Forfeitures are estimated at the time of grant and revised, if necessary, in subsequent periods, if actual forfeitures differ from those estimates. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards. Compensation expense is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation expense is recognized on a straight-line basis over the requisite service period for the entire award. For awards with performance vesting criteria, anticipated performance is projected to determine the number of awards expected to vest, and the corresponding aggregate expense is adjusted to reflect the elapsed portion of the performance period.
Advertising Costs	Advertising Costs Advertising costs are expensed as incurred. Advertising expense was approximately $ 0.8 million, $ 0.9 million, and $ 0.8 million for the years ended December 31, 2023, 2022 and 2021, respectively and is included in other operating expenses on the Consolidated Statements of Income.
Off-Balance Sheet Financial Instruments	Off-Balance Sheet Financial Instruments In the ordinary course of business, the Bank has entered into off-balance-sheet financial instruments consisting of commitments to extend credit and standby letters of credit. Such financial instruments are recorded in the financial statements when they are funded or related fees are incurred or received.
Derivative Instruments	Derivative Instruments Derivative instruments are recorded on the balance sheet at their respective fair values. The accounting for changes in fair value (i.e., gains or losses) of a derivative instrument depends on whether it has been designated and qualifies as part of a hedging relationship. If the derivative instrument is not designated as a hedge, the gain or loss on the derivative instrument is recognized in earnings in the period of change. The Bank enters into interest rate swaps (“swaps”) to facilitate customer transactions and meet their financing needs. Upon entering into these arrangements to meet customer needs, the Bank enters into offsetting positions with large U.S. financial institutions in order to minimize market risk to the Bank. These swaps are derivatives, but are not designated as hedging instruments. The Bank may also utilize cash flow hedges to manage its future interest rate exposure. These derivative contracts are designated as hedges and, as such, changes in the fair value of these derivative instruments are recorded in other comprehensive income (loss) on the Consolidated Statements of Comprehensive Income (Loss). The Bank prepares written hedge documentation for all derivatives which are designated as hedges. The written hedge documentation includes identification of, among other items, the risk management objective, hedging instrument, hedged item and methodologies for assessing and measuring hedge effectiveness and ineffectiveness, along with support for management’s assertion that the hedge will be highly effective. The effective portion of the changes in the fair value of a derivative that is highly effective and that has been designated and qualifies as a cash flow hedge are initially recorded in accumulated other comprehensive income (loss) and subsequently reclassified into earnings in the same period during which the hedged item affects earnings. The ineffective portion, if any, would be recognized in current period earnings. The Bank discontinues hedge accounting when it determines that the derivative is no longer effective in offsetting changes in the cash flows of the hedged item, the derivative is settled or terminates, or treatment of the derivative as a hedge is no longer appropriate or intended. When hedge accounting is discontinued, subsequent changes in fair value of the derivative are recorded as noninterest income. When a cash flow hedge is discontinued but the hedged cash flows or forecasted transactions are still expected to occur, gains or losses that were accumulated in other comprehensive income (loss) are amortized into earnings over the same periods which the hedged transactions will affect earnings. Cash flows resulting from the derivative financial instruments that are accounted for as hedges are classified in the cash flow statement in the same category as the cash flows of the items being hedged. Commitments to fund mortgage loans to be sold into the secondary market, “interest rate locks”, and forward commitments for the sale of mortgage-backed securities are accounted for as free standing derivatives. The fair value of the interest rate lock is recorded at the time the commitment to fund the mortgage loan is executed and is adjusted for the expected exercise of the commitment before the loan is funded. Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest rate on the loan is locked. The Company enters into forward commitments for the sale of mortgage-backed securities when interest rate locks are entered into, in order to hedge the change in interest rates resulting from its commitments to fund the loans. Changes in the fair values of these derivatives are included in mortgage banking income on the Consolidated Statements of Income.
Comprehensive Income	Comprehensive Income Comprehensive income consists of net income and other comprehensive income (loss). Other comprehensive income includes unrealized gains and losses on securities available for sale, unrealized gains and losses on securities transferred to held to maturity and unrealized gains and losses on cash flow hedges which are also recognized as separate components of equity. The Bank’s policy is to release the income tax effects of items in accumulated other comprehensive income (loss) when the item is realized.
Fair Value Measurements	Fair Value Measurements Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in a separate note. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.
Subsequent Events	Subsequent Events The Company has evaluated subsequent events for recognition and disclosure through March 12, 2024, which is the date the financial statements were available to be issued and determined that there were no events that required disclosure other than those set forth in the notes.
Income Per Common Share	Income Per Common Share Basic net income per share available to common stockholders (“EPS”) is computed by dividing net income available to common stockholders by the weighted average shares of common stock outstanding for the period. Diluted EPS reflects the dilution that could occur if securities or other contracts to issue common stock were exercised or converted. The difference between basic and diluted weighted average shares outstanding is attributable to convertible preferred stock, common stock options and warrants. The dilutive effect of outstanding convertible preferred stock, common stock options and warrants is reflected in diluted EPS by application of the treasury stock method. No antidilutive stock options were excluded from calculation for the years ended December 31, 2023, 2022 or 2021. The following is a summary of the basic and diluted earnings per share calculation for each of the following years (in thousands except share data): Year Ended December 31, 2023 2022 2021 Basic net income per share calculation: Numerator – Net income $ 29,804 $ 39,017 $ 48,677 Denominator – Average common shares outstanding 21,142,177 22,010,462 22,127,919 Basic net income per share $ 1.41 $ 1.77 $ 2.20 Diluted net income per share calculation: Numerator – Net income $ 29,804 $ 39,017 $ 48,677 Denominator – Average common shares outstanding 21,142,177 22,010,462 22,127,919 Dilutive shares contingently issuable 30,535 49,393 51,542 Average diluted common shares outstanding 21,172,712 22,059,855 22,179,461 Diluted net income per share $ 1.41 $ 1.77 $ 2.19
Recently Issued Accounting Pronouncements	Recently Issued Accounting Pronouncements In March 2020, the FASB issued ASU 2020-04," Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting," which provides temporary optional guidance to ease the potential burden in accounting for reference rate reform. The ASU provides optional expedients and exceptions for applying generally accepted accounting principles to contract modifications and hedging relationships, subject to meeting certain criteria, that reference LIBOR or another reference rate expected to be discontinued. It is intended to help stakeholders during the global market-wide reference rate transition period. In January 2021, the FASB issued ASU 2021-01 which clarifies that certain optional expedients and exceptions in Topic 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. The guidance was effective for all entities as of March 12, 2020 through December 31, 2022. The Company implemented its transition plan towards cessation of LIBOR and the modification of its outstanding financial instruments with attributes that are either directly or indirectly influenced by LIBOR. The Company discontinued LIBOR-based originations as of December 31, 2022, and for outstanding LIBOR-based transactions the Company replaced LIBOR with an alternate index as of June 30, 2023. Adoption did not have a material impact on its accounting and disclosures. In December 2022, the FASB issued ASU 2022-06, “Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848” . ASU 2022-06 extends the period of time preparers can utilize the reference rate reform relief guidance in Topic 848. The objective of the guidance in Topic 848 is to provide relief during the temporary transition period, so the FASB included a sunset provision within Topic 848 based on expectations of when the London Interbank Offered Rate (LIBOR) would cease being published. In 2021, the UK Financial Conduct Authority (FCA) delayed the intended cessation date of certain tenors of USD LIBOR to June 30, 2023. To ensure the relief in Topic 848 covers the period of time during which a significant number of modifications may take place, the ASU defers the sunset date of Topic 848 from December 31, 2022, to December 31, 2024, after which entities will no longer be permitted to apply the relief in Topic 848. The ASU is effective for all entities upon issuance. The Company has completed its transition away from LIBOR for its loan and other financial instruments. In March 2023, the FASB issued ASU 2023-02, "Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method" to allow reporting entities to consistently account for equity investments made primarily for the purpose of receiving income tax credits and other income tax benefits. The amendments are effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. Early adoption is permitted for all entities in any interim period. The Company does not expect these amendments to have a material effect on its financial statements. In November 2023, the FASB amended ASC 2023-07, " Segment Reporting (Topic 280) " to improve disclosures about a public entity's reportable segments and provide more detailed information about a reportable segment's expense. The amendments are effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. The Company does not expect these amendments to have a material effect on its financial statements. In December 2023, the FASB issued ASU 2023-09, "Income Taxes (Topic 740): Improvements to Income Tax Disclosures " to improve the transparency of income tax disclosures. The amendments are effective for annual periods beginning after December 15, 2024. Early adoption is permitted for annual financial statements that have not yet been issued or made available for issuance. The Company does not expect these amendments to have a material effect on its financial statements.

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
Summary of Significant Accounting Policies (Tables)	Dec. 31, 2023
Accounting Policies [Abstract]
Summary of Difference Between the Fair Value and Aggregate Unpaid Principal Balance	The following table summarizes the difference between the fair value and the aggregate unpaid principal balance for residential real estate loans held for sale as of December 31, 2023 and 2022 (dollars in thousands): Fair Value Aggregate Unpaid Principal Balance Difference December 31, 2023 Residential mortgage loans held for sale $ 10,287 $ 10,043 $ 244 December 31, 2022 Residential mortgage loans held for sale $ 12,636 $ 12,582 $ 54
Summary of the Basic and Diluted Earnings Per Share	The following is a summary of the basic and diluted earnings per share calculation for each of the following years (in thousands except share data): Year Ended December 31, 2023 2022 2021 Basic net income per share calculation: Numerator – Net income $ 29,804 $ 39,017 $ 48,677 Denominator – Average common shares outstanding 21,142,177 22,010,462 22,127,919 Basic net income per share $ 1.41 $ 1.77 $ 2.20 Diluted net income per share calculation: Numerator – Net income $ 29,804 $ 39,017 $ 48,677 Denominator – Average common shares outstanding 21,142,177 22,010,462 22,127,919 Dilutive shares contingently issuable 30,535 49,393 51,542 Average diluted common shares outstanding 21,172,712 22,059,855 22,179,461 Diluted net income per share $ 1.41 $ 1.77 $ 2.19

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
Investment Securities (Tables)	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Summary of Company's Classification of Securities	The Company’s classification of securities as of December 31, 2023 and 2022, net of the allowance for credit losses of $ 2.0 million as of December 31, 2023, was as follows (in thousands): December 31, 2023 December 31, 2022 Amortized Gross Gross Estimated Amortized Gross Gross Estimated Securities available-for-sale: U. S. government agency securities $ 12,989 $ — $ ( 1,385 ) $ 11,604 $ 14,537 $ — $ ( 1,635 ) $ 12,902 State and municipal securities 74,668 310 ( 6,926 ) 68,052 77,562 129 ( 9,379 ) 68,312 Mortgage-backed securities 271,024 — ( 50,959 ) 220,065 300,488 — ( 55,660 ) 244,828 Asset-backed securities 3,192 — ( 46 ) 3,146 3,332 — ( 62 ) 3,270 Other debt securities 61,042 762 ( 5,351 ) 56,453 70,542 3 ( 3,441 ) 67,104 Total $ 422,915 $ 1,072 $ ( 64,667 ) $ 359,320 $ 466,461 $ 132 $ ( 70,177 ) $ 396,416 Securities held-to-maturity: State and municipal securities $ — $ — $ — $ — $ 1,240 $ — $ — $ 1,240 Total $ — $ — $ — $ — $ 1,240 $ — $ — $ 1,240
Summary of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	The amortized cost and fair value of debt and equity securities as of December 31, 2023, by contractual maturity, are shown below (in thousands). Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately. Available-for-sale Amortized Estimated Due in less than one year $ 1,153 $ 1,076 Due one to five years 21,422 20,240 Due five to ten years 93,600 84,966 Due beyond ten years 32,524 29,827 Mortgage-backed securities 271,024 220,065 Asset-backed securities 3,192 3,146 Total $ 422,915 $ 359,320
Summary of Sales, Maturities, Prepayments and Calls of Securities	Results from sales, maturities, prepayments and calls of securities available for sale were as follows (in thousands): Year Ended December 31, 2023 2022 2021 Proceeds $ 40,177 $ 64,177 $ 104,733 Gross gains 6 8 45 Gross losses ( 1 ) — ( 17 )
Summary of Securities with Unrealized Losses Aggregated by Major Security Type and Length of Time Continuous Unrealized Loss Position	The following tables show the Company’s securities with unrealized losses, aggregated by major security type and length of time in a continuous unrealized loss position (in thousands): Less than 12 months 12 months or more Total December 31, 2023 Estimated Gross Estimated Gross Estimated Gross U. S. government agency securities $ — $ — $ 11,604 $ ( 1,385 ) $ 11,604 $ ( 1,385 ) State and municipal securities 832 ( 7 ) 48,567 ( 6,919 ) 49,399 ( 6,926 ) Mortgage-backed securities — — 220,065 ( 50,959 ) 220,065 ( 50,959 ) Asset-backed securities — — 3,146 ( 46 ) 3,146 ( 46 ) Other debt securities 1,938 ( 62 ) 53,752 ( 5,289 ) 55,690 ( 5,351 ) Total temporarily impaired securities $ 2,770 $ ( 69 ) $ 337,134 $ ( 64,598 ) $ 339,904 $ ( 64,667 ) December 31, 2022 U. S. government agency securities $ 6,243 $ ( 836 ) $ 6,659 $ ( 799 ) $ 12,902 $ ( 1,635 ) State and municipal securities 12,952 ( 422 ) 41,779 ( 8,957 ) 54,731 ( 9,379 ) Mortgage-backed securities 81,751 ( 7,647 ) 161,708 ( 48,013 ) 243,459 ( 55,660 ) Asset-backed securities 3,270 ( 62 ) — — 3,270 ( 62 ) Other debt securities 41,018 ( 2,028 ) 24,084 ( 1,413 ) 65,102 ( 3,441 ) Total temporarily impaired securities $ 145,234 $ ( 10,995 ) $ 234,230 $ ( 59,182 ) $ 379,464 $ ( 70,177 )
Available for Sale Securities Allowance for Credit Loss Rollforward	The following table shows a rollforward of the ACL on available for sale securities for the year ended December 31, 2023: Other debt securities Balance as of December 31, 2022 $ — Adoption of CECL — Additions for securities for which no previous expected credit losses were recognized 2,000 Total $ 2,000

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	12 Months Ended
Loans and Allowance for Credit Losses (Tables)	Dec. 31, 2023
Receivables [Abstract]
Summary of Loans	A summary of the loans held for investment portfolio as of December 31, 2023 and 2022 follows (in thousands): December 31, 2023 December 31, 2022 Commercial real estate - owner occupied $ 281,219 $ 246,109 Commercial real estate - non-owner occupied 761,225 803,611 Consumer real estate 423,338 402,615 Construction and land development 212,528 229,972 Commercial and industrial 501,912 496,347 Consumer 48,758 53,382 Other 40,766 80,762 Total 2,269,746 2,312,798 Allowance for credit losses on loans ( 24,292 ) ( 23,806 ) Total loans, net $ 2,245,454 $ 2,288,992
Summary of Risk Category of Loans by Applicable Class of Loans	The following table provides the risk category of loans by applicable class of loans and vintage year as of December 31, 2023 (in thousands): Term Loans by Origination Year 2023 2022 2021 2020 2019 Prior Revolvers Revolvers converted to term loans Total Commercial real estate - owner occupied Pass $ 22,826 $ 90,775 $ 85,829 $ 31,626 $ 18,978 $ 22,599 $ 2,072 $ — $ 274,705 Special Mention — — 2,466 — — 2,156 — — 4,622 Substandard — 1,583 — — 172 137 — — 1,892 Doubtful — — — — — — — — — Total $ 22,826 $ 92,358 $ 88,295 $ 31,626 $ 19,150 $ 24,892 $ 2,072 $ — $ 281,219 Current period gross charge-offs — — — — — — — — — Commercial real estate - non-owner occupied Pass $ 51,160 $ 281,832 $ 200,858 $ 103,062 $ 39,425 $ 71,397 $ 13,038 $ — $ 760,772 Special Mention — — — — — — — — — Substandard — 236 — — — 2 215 — 453 Doubtful — — — — — — — — — Total $ 51,160 $ 282,068 $ 200,858 $ 103,062 $ 39,425 $ 71,399 $ 13,253 $ — $ 761,225 Current period gross charge-offs — — — — — — — — — Consumer real estate Pass $ 31,138 $ 79,723 $ 34,024 $ 16,028 $ 14,019 $ 40,607 $ 200,020 $ 1,352 $ 416,911 Special Mention 163 — — — — 232 — 13 408 Substandard — 4,091 39 41 234 1,310 162 1 5,878 Doubtful 77 — — — — — 64 — 141 Total $ 31,378 $ 83,814 $ 34,063 $ 16,069 $ 14,253 $ 42,149 $ 200,246 $ 1,366 $ 423,338 Current period gross charge-offs 38 — — — — 10 — — 48 Construction and land development Pass $ 25,119 $ 126,610 $ 53,408 $ 3,860 $ 332 $ 2,096 $ 1,099 $ — $ 212,524 Special Mention — — — — — — — — — Substandard — — — — — 4 — — 4 Doubtful — — — — — — — — — Total $ 25,119 $ 126,610 $ 53,408 $ 3,860 $ 332 $ 2,100 $ 1,099 $ — $ 212,528 Current period gross charge-offs — — — — — — — — — Commercial and industrial Pass $ 80,805 $ 131,266 $ 76,003 $ 41,763 $ 13,112 $ 7,040 $ 142,151 $ 72 $ 492,212 Special Mention 164 85 — 2,784 — — — — 3,033 Substandard 368 1,388 55 3,245 — — 1,235 235 6,526 Doubtful — — — 70 21 — 24 26 141 Total $ 81,337 $ 132,739 $ 76,058 $ 47,862 $ 13,133 $ 7,040 $ 143,410 $ 333 $ 501,912 Current period gross charge-offs — 92 167 98 59 — 145 — 561 Consumer Pass $ 17,207 $ 9,956 $ 4,076 $ 1,215 $ 195 $ 534 $ 13,613 $ 55 $ 46,851 Special Mention — — — — — — — — — Substandard 50 97 1,747 3 3 — — — 1,900 Doubtful — 7 — — — — — — 7 Total $ 17,257 $ 10,060 $ 5,823 $ 1,218 $ 198 $ 534 $ 13,613 $ 55 $ 48,758 Current period gross charge-offs 14 72 39 30 12 224 — — 391 Other Pass $ 4,851 $ 6,596 $ 19,745 $ 4,808 $ 300 $ 1,796 $ 2,109 $ — $ 40,205 Special Mention — 52 — — — — — — 52 Substandard 44 — 1 50 395 19 — — 509 Doubtful — — — — — — — — — Total $ 4,895 $ 6,648 $ 19,746 $ 4,858 $ 695 $ 1,815 $ 2,109 $ — $ 40,766 Current period gross charge-offs — — — — — 176 — — 176 Total Portfolio Pass $ 233,106 $ 726,758 $ 473,943 $ 202,362 $ 86,361 $ 146,069 $ 374,102 $ 1,479 $ 2,244,180 Special Mention 327 137 2,466 2,784 — 2,388 — 13 8,115 Substandard 462 7,395 1,842 3,339 804 1,472 1,612 236 17,162 Doubtful 77 7 — 70 21 — 88 26 289 Total $ 233,972 $ 734,297 $ 478,251 $ 208,555 $ 87,186 $ 149,929 $ 375,802 $ 1,754 $ 2,269,746 Current period gross charge-offs $ 52 $ 164 $ 206 $ 128 $ 71 $ 410 $ 145 $ - $ 1,176 The following table provides the risk category of loans by applicable class of loans as of December 31, 2022 (in thousands): Non-impaired Loans December 31, 2022 Pass Special Substandard Doubtful Total Impaired Total Commercial real estate - owner occupied $ 234,619 $ 4,731 $ 440 $ — $ 4,543 $ 244,333 Commercial real estate - non-owner occupied 802,107 — — — — 802,107 Consumer real estate 393,734 555 467 — 367 395,123 Construction and land development 229,897 — — — 7 229,904 Commercial and industrial 477,081 516 12,751 127 4,305 494,780 Consumer 52,911 — 84 2 19 53,016 Other 80,504 — 68 — — 80,572 Purchased credit impaired 11,595 68 1,259 41 — 12,963 Total $ 2,282,448 $ 5,870 $ 15,069 $ 170 $ 9,241 $ 2,312,798
Schedule of Loan Modification	The following table represents the loans as of December 31, 2023 that were both experiencing financial difficulty and modified during the year ended December 31, 2023, by class and by type of modification. The percentage of loans that were modified to borrowers in financial distress as compared to the total loans of each class is also presented below. Payment Delay Term Extension Total Class of Loans Commercial and industrial $ 4,819 $ 326 1.03 % Total $ 4,819 $ 326 0.23 %
Financial Effect of the Loan Modification	The following table presents the financial effect of the loan modifications represented above to borrowers experiencing financial difficulty for the year ended December 31, 2023 (in thousands). Weighted-Average Weighted-Average Payment Term Delay Extension Commercial and industrial 4 mos. 3 mos. Total 4 mos. 3 mos.
Schedule of Collateral Dependent Loans by Class of Loan and Type of Collateral	The following table presents collateral dependent loans, which are individually evaluated to determine expected credit losses, as of December 31, 2023 by class of loan and type of collateral. Real Estate Total Commercial real estate - non-owner occupied $ 456 $ 456 Consumer 5,118 5,118 Commercial and industrial 982 982 Other 395 395 Total $ 6,951 $ 6,951
Summary of Changes and Breakdown of Allowance for Loan Losses and Loan Portfolio by Loan Category	The following table details the changes in the ACL for the years ended December 31, 2023, 2022, and 2021 (in thousands): CECL For the year ended December 31, 2023 Beginning Balance Adoption of CECL Jan. 1, 2023 Charge-Offs Recoveries Provision Ending Balance Commercial real estate - owner occupied $ 1,967 $ 209 $ 2,176 $ — $ — $ 16 $ 2,192 Commercial real estate - non-owner occupied 5,967 ( 632 ) 5,335 — — 674 6,009 Consumer real estate 3,153 650 3,803 ( 48 ) 44 301 4,100 Construction and land development 3,830 ( 266 ) 3,564 — — ( 673 ) 2,891 Commercial and industrial 7,654 ( 995 ) 6,659 ( 561 ) 117 206 6,421 Consumer 430 1,127 1,557 ( 391 ) 186 568 1,920 Other 805 1,404 2,209 ( 176 ) 24 ( 1,298 ) 759 Total $ 23,806 $ 1,497 $ 25,303 $ ( 1,176 ) $ 371 $ ( 206 ) $ 24,292 Allowance for credit losses - unfunded commitments $ 319 $ 3,350 $ 3,669 $ - $ - $ ( 945 ) $ 2,724 Incurred Loss Incurred Loss For the years ended December 31, 2022 2021 Beginning Balance Charge-Offs Recoveries Provision Ending Balance Beginning Balance Charge-Offs Recoveries Provision Ending Balance Commercial real estate - owner occupied $ 1,685 $ — $ — $ 282 $ 1,967 $ 1,561 $ — $ — $ 124 $ 1,685 Commercial real estate - non-owner occupied 5,439 ( 12 ) 225 315 5,967 5,788 ( 10 ) 10 ( 349 ) 5,439 Consumer real estate 2,412 ( 8 ) 6 743 3,153 1,831 ( 1 ) 18 564 2,412 Construction and land development 3,769 — — 61 3,830 3,476 — — 293 3,769 Commercial and industrial 7,441 ( 205 ) 33 385 7,654 9,708 ( 199 ) 10 ( 2,078 ) 7,441 Consumer 397 ( 330 ) 110 253 430 305 ( 210 ) 87 215 397 Other 555 ( 201 ) 16 435 805 576 ( 227 ) 41 165 555 Total $ 21,698 $ ( 756 ) $ 390 $ 2,474 $ 23,806 $ 23,245 $ ( 647 ) $ 166 $ ( 1,066 ) $ 21,698 Allowance for credit losses - unfunded commitments $ 319 $ - $ - $ - $ 319 $ 319 $ - $ - $ - $ 319 A breakdown of the ALL and the loan portfolio by loan category at December 31, 2022 follows (in thousands): Commercial real estate - owner occupied Commercial real estate - non-owner occupied Consumer Construction Commercial Consumer Other Total December 31, 2022 Allowance for Loan Losses: Collectively evaluated for impairment $ 1,967 $ 5,967 $ 3,153 $ 3,830 $ 6,909 $ 378 $ 805 $ 23,009 Individually evaluated for impairment — — — — 716 — — 716 Purchased credit impaired — — — — 29 52 — 81 Balances, end of period $ 1,967 $ 5,967 $ 3,153 $ 3,830 $ 7,654 $ 430 $ 805 $ 23,806 Loans: Collectively evaluated for impairment $ 239,790 $ 802,107 $ 394,756 $ 229,897 $ 490,475 $ 52,997 $ 80,572 $ 2,290,594 Individually evaluated for impairment 4,543 — 367 7 4,305 19 — 9,241 Purchased credit impaired 1,776 1,504 7,492 68 1,567 366 190 12,963 Balances, end of period $ 246,109 $ 803,611 $ 402,615 $ 229,972 $ 496,347 $ 53,382 $ 80,762 $ 2,312,798
Allocation of ACL with Corresponding Percentage of Loans in Each Category to Total Loans, Net of Deferred Fee	The following table presents the allocation of the ACL for each respective loan category with the corresponding percentage of loans in each category to total loans, net of deferred fees as of December 31, 2023, 2022, and 2021. December 31, 2023 December 31, 2022 Amount Percent of total Amount Percent of total Commercial real estate - owner occupied $ 2,192 0.10 % $ 1,967 0.08 % Commercial real estate - non-owner occupied 6,009 0.26 5,967 0.26 Consumer real estate 4,100 0.18 3,153 0.14 Construction and land development 2,891 0.13 3,830 0.17 Commercial and industrial 6,421 0.28 7,654 0.33 Consumer 1,920 0.08 430 0.02 Other 759 0.03 805 0.03 Total allowance for credit losses $ 24,292 1.07 % $ 23,806 1.03 %
Summary of Loans Individually Evaluated for Impairment	The following table presents additional detail on loans individually evaluated for impairment as previously required by ASC Topic 310 as of December 31, 2022 (in thousands): December 31, 2022 Recorded Unpaid Related With no related allowance recorded: Commercial real estate - owner occupied $ 4,543 $ 4,551 $ — Commercial real estate - non-owner occupied — — — Consumer real estate 367 393 — Construction and land development 7 8 — Commercial and industrial 420 412 — Consumer 19 19 — Other — — — Subtotal 5,356 5,383 — With an allowance recorded: Commercial real estate - owner occupied — — — Commercial real estate - non-owner occupied — Consumer real estate — — — Construction and land development — — — Commercial and industrial 3,885 4,061 716 Consumer — — — Other — — — Subtotal 3,885 4,061 716 Total $ 9,241 $ 9,444 $ 716 The average balances of impaired loans and income recognized on impaired loans while they were considered impaired under the Incurred Loss methodology are below for the years ended December 31, 2022 and 2021 (in thousands): December 31, 2022 December 31, 2021 Average recorded investment Interest income recognized Average recorded investment Interest income recognized With no related allowance recorded: Commercial real estate - owner occupied $ 4,612 $ 210 $ 1,169 $ 64 Commercial real estate - non-owner occupied — — — — Consumer real estate 387 9 577 3 Construction and land development 8 — 12 1 Commercial and industrial 228 17 263 13 Consumer 21 1 35 3 Other — — — — Subtotal 5,256 237 2,056 84 With an allowance recorded: Commercial real estate - owner occupied — — — — Commercial real estate - non-owner occupied — 665 Consumer real estate — — — — Construction and land development — — — — Commercial and industrial 4,189 422 — — Consumer — — — — Other — — — — Subtotal 4,189 422 665 — Total $ 9,445 $ 659 $ 2,721 $ 84
Schedule of Aging of Recorded Investment in Past-due Loans, by Class of Loans	The following table presents the aging of the recorded investment in past-due loans as of December 31, 2023 and 2022 by class of loans (in thousands): Accruing 30 - 59 60 - 89 Greater Than Days Days 89 Days Total Loans Not Non-Accrual Past Due Past Due Past Due Past Due Past Due Loans Total December 31, 2023 Commercial real estate - owner occupied $ 1,238 $ — $ 6 $ 1,244 $ 278,255 $ 1,720 $ 281,219 Commercial real estate - non-owner occupied 2 — — 2 760,769 454 761,225 Consumer real estate 1,220 960 273 2,453 415,691 5,194 423,338 Construction and land development 445 — — 445 212,079 4 212,528 Commercial and industrial 50 156 466 672 496,011 5,229 501,912 Consumer 245 111 182 538 46,437 1,783 48,758 Other — — 15 15 40,337 414 40,766 Total $ 3,200 $ 1,227 $ 942 $ 5,369 $ 2,249,579 $ 14,798 $ 2,269,746 Accruing 30 - 59 60 - 89 Greater Than Days Days 89 Days Total Loans Not Non-Accrual Past Due Past Due Past Due Past Due Past Due Loans Total December 31, 2022 Commercial real estate - owner occupied $ — $ — $ — $ — $ 239,351 $ 4,982 $ 244,333 Commercial real estate - non-owner occupied — — — — 802,107 — 802,107 Consumer real estate 456 231 87 774 393,893 456 395,123 Construction and land development — — — — 229,896 8 229,904 Commercial and industrial 76 53 744 873 489,842 4,065 494,780 Consumer 178 39 14 231 52,731 54 53,016 Other — — 37 37 80,535 — 80,572 Purchased credit impaired 175 149 143 467 11,347 1,149 12,963 Total $ 885 $ 472 $ 1,025 $ 2,382 $ 2,299,702 $ 10,714 $ 2,312,798
Schedule of Non-Accrual Loans, Past Due Loans over 89 Days and Accruing and Troubled Debt Restructurings by Class of Loans	The following table presents the recorded investment in non-accrual loans by class of loans as of December 31, 2023 (in thousands): Non-Accrual loans with no allowance Non-Accrual loans with allowance Total Non-Accrual Loans Commercial real estate - owner occupied $ — $ 1,720 $ 1,720 Commercial real estate - non-owner occupied 215 239 454 Consumer real estate 4,101 1,093 5,194 Construction and land development — 4 4 Commercial and industrial 262 4,967 5,229 Consumer 1,707 76 1,783 Other 395 19 414 Total $ 6,680 $ 8,118 $ 14,798
Schedule of Loans by Class Modified as TDR	The following table presents loans by class modified as TDR that occurred during the year ended December 31, 2022 (in thousands). Number of contracts Pre modification outstanding recorded investment Post modification outstanding recorded investment, net of related allowance 2022 Commercial real estate — $ — $ — Consumer real estate — — — Construction and land development — — — Commercial and industrial 1 86 86 Consumer — — — Other — — — Total 1 86 86
Schedule of Activity in Purchased Credit Impaired Loans	The following table presents changes in the carrying value of PCI loans for the year ended December 31, 2022 and 2021 (in thousands): Year Ended December 31, 2022 Year Ended December 31, 2021 Balance at beginning of period $ 19,261 $ 28,392 Change due to payments received and accretion ( 6,217 ) ( 8,940 ) Reclassification of discount to allowance for loan losses ( 81 ) ( 191 ) Balance at end of period $ 12,963 $ 19,261 The following table presents changes in the accretable yield for PCI loans for the year ended December 31, 2022 and 2021 (in thousands): Year Ended December 31, 2022 Year Ended December 31, 2021 Balance at beginning of period $ 5,763 $ 4,068 Accretion ( 1,565 ) ( 1,987 ) Reclassification from nonaccretable difference 304 1,519 Other, net ( 206 ) 2,163 Balance at end of period $ 4,296 $ 5,763

Loan Servicing (Tables)

Loan Servicing (Tables)	12 Months Ended
Loan Servicing (Tables)	Dec. 31, 2023
Transfers and Servicing [Abstract]
Schedule of Activity for Loan Servicing Rights and Related Valuation Allowance	Activity for loan servicing rights and the related valuation allowance are summarized as follows (in thousands): For the year ended December 31, 2023 For the year ended December 31, 2022 For the year ended December 31, 2021 Loan servicing rights: Balance at beginning of period $ 1,004 $ 1,425 $ 1,634 Additions — 29 229 Amortized to offset other noninterest income ( 112 ) ( 450 ) ( 438 ) Balance at end of period $ 892 $ 1,004 $ 1,425 Valuation allowance: Balance at beginning of period $ ( 325 ) $ ( 372 ) $ ( 449 ) Additions expensed — — — Reductions credited to other noninterest income — 47 77 Direct write-downs — — — Other ( 47 ) — — Balance at end of period $ ( 372 ) $ ( 325 ) $ ( 372 )

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
Premises and Equipment (Tables)	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Summary of Premises and Equipment	Premises and equipment at December 31, 2023 and 2022 are summarized as follows (in thousands): Range of December 31, 2023 December 31, 2022 Land Not applicable $ 5,097 $ 6,402 Buildings 39 years 18,192 18,686 Leasehold improvements 1 to 17 years 1,821 1,007 Furniture and equipment 1 to 7 years 6,915 6,312 Fixed assets in process Not applicable 120 234 32,145 32,641 Less accumulated depreciation and amortization ( 9,151 ) ( 7,786 ) $ 22,994 $ 24,855

Leases (Tables)

Leases (Tables)	12 Months Ended
Leases (Tables)	Dec. 31, 2023
Leases [Abstract]
Summary of Lease Costs	Lease costs were as follows (in thousands): December 31, 2023 December 31, 2022 December 31, 2021 Operating lease cost $ 2,336 $ 2,164 $ 2,102 Short-term lease cost 16 16 — Total lease cost $ 2,352 $ 2,180 $ 2,102
Maturity Analysis of Operating Lease Liabilities and Reconciliation of Undiscounted Cash Flows	A maturity analysis of operating lease liabilities and reconciliation of the undiscounted cash flows to the total operating lease liability is as follows (in thousands): December 31, 2023 Lease payments due: 2024 $ 1,717 2025 1,693 2026 1,576 2027 1,425 2028 1,270 2029 and thereafter 3,757 Total undiscounted cash flows 11,438 Discount on cash flows ( 1,127 ) Total lease liability $ 10,311

Goodwill and Intangible Assets

Goodwill and Intangible Assets (Tables)	12 Months Ended
Goodwill and Intangible Assets (Tables)	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Change in Goodwill	The change in goodwill during the years ended December 31, 2023 and 2022 was as follows (in thousands): 2023 2022 Beginning of year $ 41,068 $ 41,068 Acquired goodwill — — Impairment — — End of year $ 41,068 $ 41,068
Summary of Acquired Intangible Assets	Acquired intangible assets at December 31, 2023 and 2022 were as follows (in thousands): December 31, 2023 December 31, 2022 Gross Accumulated Gross Accumulated Amortized intangible assets: Core deposit intangibles $ 12,837 $ ( 9,277 ) $ 12,837 $ ( 7,836 )
Summary of Estimated Amortization Expense	Estimated amortization expense for each of the next five years is as follows (in thousands): Year ending December 31: 2024 $ 1,192 2025 943 2026 694 2027 445 2028 200 Thereafter 86 Total $ 3,560

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	12 Months Ended
Other Real Estate Owned (Tables)	Dec. 31, 2023
Other Real Estate [Abstract]
Summary of Other Real Estate Owned Activity	Other real estate owned activity was as follows (in thousands): 2023 2022 2021 Beginning balance $ — $ 266 $ 523 Loans transferred to other real estate owned 11 — 2,022 Sales of other real estate owned — ( 266 ) ( 2,279 ) End of year $ 11 $ — $ 266
Summary of Expenses Related to Other Real Estate Owned	related to other real estate owned during the years ended December 31, 2023, 2022 and 2021, respectively include (in thousands): 2023 2022 2021 Net gain on sales $ — $ ( 102 ) $ ( 49 ) Total $ — $ ( 102 ) $ ( 49 )

Deposits (Tables)

Deposits (Tables)	12 Months Ended
Deposits (Tables)	Dec. 31, 2023
Deposits [Abstract]
Scheduled Maturities of Time Deposits	Scheduled maturities of time deposits for the next five years and thereafter are as follows (in thousands): Maturity: 2024 $ 602,881 2025 42,228 2026 2,604 2027 4,064 2028 2,434 Thereafter 601 $ 654,812

Short-Term Borrowings and Lon_2

Short-Term Borrowings and Long-Term Debt (Tables)	12 Months Ended
Short-Term Borrowings and Long-Term Debt (Tables)	Dec. 31, 2023
Federal Home Loan Banks [Abstract]
Summary of Contractual Maturities and Average Effective Rates of Outstanding Advances	The following is a summary of the contractual maturities and average effective rates of outstanding advances (dollars in thousands): December 31, 2023 December 31, 2022 Year Amount Interest Rates Amount Interest Rates 2023 $ - — $ 15,000 4.33 % 2024 50,000 5.17 % — — Total $ 50,000 5.17 % $ 15,000 4.33 %

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
Accumulated Other Comprehensive Income (Loss) (Tables)	Dec. 31, 2023
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Summary of Changes in Accumulated Other Comprehensive Income (Loss) by Component, Net of Tax	The following were changes in accumulated other comprehensive income (loss) by component, net of tax, for the years ended December 31, 2023 and 2022 (in thousands): Unrealized Gains and Losses on Available for Sale Securities Year Ended December 31, 2023 Beginning balance $ ( 50,052 ) Other comprehensive income before reclassification, net of tax 4,788 Amounts reclassified from accumulated other comprehensive loss, net of tax ( 4 ) Net current period other comprehensive income 4,784 Ending balance $ ( 45,268 ) Year Ended December 31, 2022 Beginning balance $ ( 1,270 ) Other comprehensive loss before reclassification, net of tax ( 48,776 ) Amounts reclassified from accumulated other comprehensive loss, net of tax ( 6 ) Net current period other comprehensive loss ( 48,782 ) Ending balance $ ( 50,052 ) Year Ended December 31, 2021 Beginning balance $ 7,728 Other comprehensive loss before reclassification, net of tax ( 8,977 ) Amounts reclassified from accumulated other comprehensive loss, net of tax ( 21 ) Net current period other comprehensive loss ( 8,998 ) Ending balance $ ( 1,270 )
Summary of Significant Amounts Reclassified out off Accumulated Other Comprehensive Income (Loss)	The following were amounts reclassified out of each component of accumulated other comprehensive income (loss) for the years ended December 31, 2023, 2022 and 2021 (in thousands): Affected Line Item Details about Accumulated Other Year Ended December 31, in the Statement Where Comprehensive Income (Loss) Components 2023 2022 2021 Net Income is Presented Realized gains on available- for-sale securities $ 5 $ 8 $ 28 Net gain on sale of securities ( 1 ) ( 2 ) ( 7 ) Income tax expense $ 4 $ 6 $ 21 Net of tax There were no significant amounts reclassified out of each component of accumulated other comprehensive income (loss) for the years ended December 31, 2023, 2022, and 2021.

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
Income Taxes (Tables)	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit)	The components of income tax expense are summarized as follows (in thousands): 2023 2022 2021 Current: Federal $ 6,290 $ 8,956 $ 12,174 State 17 327 732 6,307 9,283 12,906 Deferred: Federal 712 451 ( 158 ) State ( 624 ) 19 ( 49 ) 88 470 ( 207 ) Total $ 6,395 $ 9,753 $ 12,699
Schedule of Reconciliation of Actual Income Tax Expense	A reconciliation of actual income tax expense in the financial statements to the “expected” tax expense (computed by applying the statutory federal income tax rate of 21 % to income before income taxes) for the years ended December 31, 2023, 2022, and 2021 is as follows (in thousands): 2023 2022 2021 Computed tax expense at statutory rate $ 7,602 $ 10,242 $ 12,889 State income taxes, net of effect of federal income ( 480 ) 273 540 Tax-exempt interest income ( 253 ) ( 265 ) ( 294 ) Earnings on bank owned life insurance contracts ( 828 ) ( 629 ) ( 384 ) Disallowed expenses 147 61 66 Excess tax (benefit) expense related to stock compensation 6 ( 45 ) ( 163 ) Nondeductible acquisition related expenses 322 — — Federal tax credits ( 709 ) ( 421 ) ( 57 ) Amortization of investment in low-income housing credits 681 412 56 Other ( 93 ) 125 46 Total $ 6,395 $ 9,753 $ 12,699
Schedule of Deferred Tax Assets and Liabilities	Significant items that gave rise to deferred taxes at December 31, 2023 and 2022 were as follows (in thousands): December 31, 2023 December 31, 2022 Deferred tax assets: Allowance for loan losses $ 6,332 $ 5,525 Net operating loss carryforward 578 317 Organization and preopening costs — 56 Stock-based compensation 633 307 Acquired loans 478 673 Accrued contributions 116 336 Lease liability 2,658 ( 381 ) Acquired deposits 28 95 Accrued compensation 708 1,001 Deferred loan fees 2,479 2,301 Unrealized loss on securities available for sale 16,619 18,285 Contingency reserve 702 82 Other 702 118 Deferred tax assets 32,033 28,715 Deferred tax liabilities: Depreciation 1,616 1,609 Goodwill 777 624 Right of use asset 2,438 ( 428 ) Partnership investments 1,777 826 Amortization of core deposit intangible 459 770 Other acquired assets 187 229 Other 722 456 Deferred tax liabilities 7,976 4,086 Net deferred tax asset $ 24,057 $ 24,629

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
Commitments and Contingencies (Tables)	Dec. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
Schedule of Financial Instruments Representing Credit Risk	The following table sets forth outstanding financial instruments whose contract amounts represent credit risk as of December 31, 2023 and 2022 (in thousands): Contract or notional amount December 31, 2023 December 31, 2022 Financial instruments whose contract amounts represent Unused commitments to extend credit $ 988,464 $ 1,112,950 Standby letters of credit 7,742 7,288 Total $ 996,206 $ 1,120,238

Regulatory Matters And Restri_2

Regulatory Matters And Restrictions On Dividends (Tables)	12 Months Ended
Regulatory Matters And Restrictions On Dividends (Tables)	Dec. 31, 2023
Banking and Thrift, Interest [Abstract]
Schedule of Capital Amounts and Ratios	The Company’s and the Bank’s capital amounts and ratios are presented in the following table (dollars in thousands): Actual Minimum capital Minimum to be Amount Ratio Amount Ratio Amount Ratio At December 31, 2023: Total capital to risk-weighted assets: CapStar Financial Holdings, Inc. $ 416,556 15.78 % $ 210,505 8.00 % N/A N/A CapStar Bank 406,099 15.40 210,920 8.00 $ 263,651 10.00 % Tier I capital to risk-weighted assets: CapStar Financial Holdings, Inc. 363,377 13.77 157,879 6.00 N/A N/A CapStar Bank 382,720 14.52 158,190 6.00 210,920 8.00 Common equity Tier 1 capital to risk weighted CapStar Financial Holdings, Inc. 363,377 13.77 118,409 4.50 N/A N/A CapStar Bank 366,220 13.89 118,643 4.50 171,373 6.50 Tier I capital to average assets: CapStar Financial Holdings, Inc. 363,377 11.22 129,523 4.00 N/A N/A CapStar Bank 382,720 11.82 129,467 4.00 164,185 5.00 At December 31, 2022: Total capital to risk-weighted assets: CapStar Financial Holdings, Inc. $ 410,704 14.51 % $ 226,491 8.00 % N/A N/A CapStar Bank 402,453 14.22 226,407 8.00 $ 283,009 10 % Tier I capital to risk-weighted assets: CapStar Financial Holdings, Inc. 356,913 12.61 169,868 6.00 N/A N/A CapStar Bank 378,328 13.37 169,805 6.00 226,407 8.00 Common equity Tier 1 capital to risk weighted CapStar Financial Holdings, Inc. 356,913 12.61 127,401 4.50 N/A N/A CapStar Bank 361,828 12.79 127,354 4.50 183,956 6.50 Tier I capital to average assets: CapStar Financial Holdings, Inc. 356,913 11.40 125,202 4.00 N/A N/A CapStar Bank 378,328 12.10 125,089 4.00 156,361 5.00 (1) For the calendar years 2023 and 2022, the Company was required to maintain a capital conservation buffer of Tier 1 common equity capital in excess of minimum risk-based capital ratios by at least 2.5 % to avoid limits on capital distributions and certain discretionary bonus payments to executive officers and similar employees. (2) For the Company to be well-capitalized, the Bank must be well-capitalized and the Company must not be subject to any written agreement, order, capital directive, or prompt corrective action directive issued by the Federal Reserve to meet and maintain a specific capital level for any capital measure.

Stock Options and Restricted _2

Stock Options and Restricted Shares (Tables)	12 Months Ended
Stock Options and Restricted Shares (Tables)	Dec. 31, 2023
Share-Based Payment Arrangement [Abstract]
Summary of Company Recognized Stock-Based Compensation Expense	The Company has recognized stock-based compensation expense, within salaries and employee benefits for employees, and within other noninterest expense for directors, in the consolidated statements of income as follows (in thousands): For the years ended December 31, 2023 2022 2021 Stock-based compensation expense before income taxes $ 1,677 $ 1,355 $ 1,600 Less: deferred tax benefit ( 438 ) ( 354 ) ( 418 ) Reduction of net income $ 1,239 $ 1,001 $ 1,182
Summary of Changes in Company's Nonvested Stock Awards	A summary of the changes in the Company’s nonvested stock awards for the years ended December 31, 2023, 2022, and 2021 follows: Weighted Average Restricted Grant Date Nonvested Shares Shares Fair Value For the Year December 31, 2023 Nonvested at beginning of period 170,426 $ 16.76 Granted 116,941 17.75 Vested ( 39,434 ) 14.51 Forfeited ( 44,770 ) 15.17 Nonvested at end of period 203,163 $ 17.57 For the Year December 31, 2022 Nonvested at beginning of period 177,020 $ 14.00 Granted 92,212 21.22 Vested ( 58,637 ) 16.34 Forfeited ( 40,169 ) 15.35 Nonvested at end of period 170,426 $ 16.76 For the Year December 31, 2021 Nonvested at beginning of period 148,414 $ 14.39 Granted 143,591 14.84 Vested ( 91,763 ) 14.99 Forfeited ( 23,222 ) 14.52 Nonvested at end of period 177,020 $ 14.00
Summary of Activity in Stock Options	A summary of the activity in stock options for years ended December 31, 2023, 2022, and 2021 follows: Weighted Weighted Average Average Remaining Exercise Contractual Shares Price Term (years) Year ended December 31, 2023 Outstanding at the beginning of period 124,445 $ 12.11 Granted — — Exercised ( 31,458 ) 8.79 Forfeited or expired ( 122 ) 8.79 Outstanding at end of period 92,865 $ 13.24 3.7 Fully vested and expected to vest 92,865 $ 13.24 3.7 Exercisable at end of period 92,865 $ 13.24 3.7 Year ended December 31, 2022 Outstanding at the beginning of period 130,245 $ 11.96 Granted — — Exercised ( 5,800 ) 8.79 Forfeited or expired — 8.79 Outstanding at end of period 124,445 $ 12.11 4.0 Fully vested and expected to vest 124,445 $ 12.11 4.0 Exercisable at end of period 124,445 $ 12.11 4.0 Year ended December 31, 2021 Outstanding at the beginning of period 226,589 $ 11.73 Granted — — Exercised ( 96,344 ) 11.41 Forfeited or expired — — Outstanding at end of period 130,245 $ 11.96 4.9 Fully vested and expected to vest 130,245 $ 11.96 4.9 Exercisable at end of period 113,578 $ 11.54 4.5
Information Related to Stock Options	Information related to stock options during 2023, 2022 and 2021 follows: 2023 2022 2021 Intrinsic value of options exercised $ 162,330 $ 71,340 $ 821,174 Cash received from option exercises 276,516 50,982 1,077,489 Tax benefit realized from option exercises 42,206 18,648 148,312 Weighted average fair value of options granted — — —

Derivative Instruments (Tables)

Derivative Instruments (Tables)	12 Months Ended
Derivative Instruments (Tables)	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Summary of Customer Related Interest Rate Swaps	A summary of the Company’s customer related interest rate swaps is as follows (in thousands): December 31, 2023 December 31, 2022 Notional Estimated Notional Estimated amount fair value amount fair value Interest rate swap agreements: Pay fixed/receive variable swaps $ 30,134 $ 1,560 $ 35,641 $ ( 2,343 ) Pay variable/receive fixed swaps 30,134 ( 1,560 ) 35,641 2,343 Total $ 60,268 $ — $ 71,282 $ —
Summary of Net Gains (Losses) Relating to Mortgage Banking Derivative Instruments Included in Mortgage Banking Income	The net gains (losses) relating to mortgage banking derivative instruments included in mortgage banking income were as follows (dollars in thousands): For the Year Ended December 31, 2023 2022 2021 Mortgage loan interest rate lock commitments $ 279 $ 690 $ ( 1,911 ) Mortgage-backed securities forward sales commitments ( 171 ) ( 187 ) 466 Total $ 108 $ 503 $ ( 1,445 )
Summary of Amount and Fair Value of Mortgage Banking Derivative Instruments Included in Consolidated Balance Sheets	The amount and fair value of mortgage banking derivatives included in the consolidated balance sheets was as follows (dollars in thousands): December 31, 2023 December 31, 2022 Notional Estimated Notional Estimated amount fair value amount fair value Included in other assets: Mortgage loan interest rate lock commitments $ 12,218 $ 285 $ 19,413 $ 6 Mortgage-backed securities forward sales commitments 14,500 — 12,500 27

Related Party (Tables)

Related Party (Tables)	12 Months Ended
Related Party (Tables)	Dec. 31, 2023
Related Party Transactions [Abstract]
Schedule of Related Party Transactions Activity within Loans	Total Total funded Year ended December 31, 2023 Beginning of period $ 52,763 $ 33,305 New commitments/draw downs 15,000 14,677 Repayments ( 7,591 ) ( 7,976 ) End of period $ 60,172 $ 40,006 Year ended December 31, 2022 Beginning of period $ 10,577 $ 8,538 New commitments/draw downs 42,625 24,871 Repayments ( 439 ) ( 104 ) End of period $ 52,763 $ 33,305

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
Fair Value (Tables)	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Summary of Assets and Liabilities Measured at Fair Value on a Recurring Basis	Assets and liabilities measured at fair value on a recurring basis are summarized below (in thousands): Fair value measurements at December 31, 2023 Quoted prices in active Significant markets for other Significant identical observable unobservable Carrying assets inputs inputs Value (Level 1) (Level 2) (Level 3) Assets: Securities available-for-sale: U. S. government agency securities $ 11,604 $ — $ 11,604 $ — State and municipal securities 68,052 — 68,052 — Mortgage-backed securities 220,065 — 220,065 — Asset-backed securities 3,146 — 3,146 — Other debt securities 56,453 — 56,453 — Loans held for sale 10,287 — 10,287 — Derivative assets: Interest rate swaps - customer related 1,560 — 1,560 — Mortgage loan interest rate lock commitments 285 — — 285 Liabilities: Derivative liabilities: Interest rate swaps - customer related 1,560 — 1,560 — Fair value measurements at December 31, 2022 Quoted prices in active Significant markets for other Significant identical observable unobservable Carrying assets inputs inputs Value (Level 1) (Level 2) (Level 3) Assets: Securities available-for-sale: U. S. government agency securities $ 12,902 $ — $ 12,902 $ — State and municipal securities 68,312 — 68,312 — Mortgage-backed securities 244,828 — 244,828 — Asset-backed securities 3,270 — 3,270 — Other debt securities 67,104 — 67,104 — Loans held for sale 12,636 — 12,636 — Derivative assets: Interest rate swaps - customer related 2,343 — 2,343 — Mortgage loan interest rate lock commitments 6 — — 6 Mortgage-backed securities forward sales commitments 27 — 27 — Liabilities: Derivative liabilities: Interest rate swaps - customer related 2,343 — 2,343 —
Reconciliation of Assets Measured at Fair Value on Recurring Basis using Significant Unobservable Inputs (Level 3)	The table below presents a reconciliation of all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2023 and 2022 (dollars in thousands): Mortgage Loan Interest Rate Lock Commitments 2023 2022 Balance of recurring Level 3 assets at January 1st $ 6 $ 696 Total gains or losses for the period: Included in mortgage banking income 279 ( 690 ) Balance of recurring Level 3 assets at December 31st $ 285 $ 6
Summary of Quantitative Information About Level 3 Fair Value Measurements for Assets Measured at Fair Value on Recurring and Non-recurring Basis	The following table presents quantitative information about recurring Level 3 fair value measurements at December 31, 2023 and 2022 (dollars in thousands). Range Fair Valuation (Weighted- December 31, 2023 Value Technique(s) Unobservable Input(s) Average) Assets: Non-hedging derivatives: Mortgage loan interest rate lock commitments $ 285 Consensus pricing Origination pull-through rate 80 % - 100 % ( 95 %) Range Fair Valuation (Weighted- December 31, 2022 Value Technique(s) Unobservable Input(s) Average) Assets: Non-hedging derivatives: Mortgage loan interest rate lock commitments $ 6 Consensus pricing Origination pull-through rate 80 % - 100 % ( 94 %) The following table presents quantitative information about Level 3 fair value measurements for assets measured at fair value on a nonrecurring basis (dollars in thousands): Range Fair Valuation (Weighted- December 31, 2023 Value Technique(s) Unobservable Input(s) Average) Individually evaluated loans: Commercial and industrial $ 384 Income approach Fair value discount 10 % Commercial real estate - non-owner occupied 152 Income approach Fair value discount 10 % December 31, 2022 Impaired loans: Commercial and industrial $ 3,069 Sales comparison approach Appraisal discounts 10 % Commercial and industrial 100 Income approach Fair value discount 9 %
Summary of Assets Measured at Fair Value on a Nonrecurring Basis	Assets measured at fair value on a nonrecurring basis are summarized below (in thousands): Quoted prices in active Significant markets for other Significant identical observable unobservable Carrying assets inputs inputs Value (level 1) (level 2) (level 3) Fair value measurements at December 31, 2023 Assets: Individually evaluated loans: Commercial and industrial $ 384 — — $ 384 Commercial real estate - non-owner occupied 152 — — 152 Fair value measurements at December 31, 2022 Assets: Impaired loans: Commercial and industrial $ 3,169 — — $ 3,169
Summary of Carrying Value and Fair Values of the Company's Financial Instruments	The carrying value and estimated fair values of the Company’s financial instruments at December 31, 2023 and 2022 were as follows (in thousands): December 31, 2023 December 31, 2022 Carrying Carrying Fair value amount Fair value amount Fair value level of input Financial assets: Cash and due from banks, interest-bearing deposits in $ 249,611 $ 249,611 $ 130,838 $ 130,838 Level 1 Federal funds sold 10,000 10,000 4,467 4,467 Level 1 Securities available-for-sale 359,320 359,320 396,416 396,416 Level 2 Securities held-to-maturity — — 1,240 1,240 Level 2 Loans held for sale 32,264 33,937 44,708 46,585 Level 2 Restricted equity securities 13,334 N/A 16,632 N/A N/A Loans held for investment 2,269,746 2,178,502 2,312,798 2,265,617 Level 3 Accrued interest receivable 12,588 12,588 10,511 10,511 Level 2 Other assets 92,408 92,408 93,230 93,230 Level 2 / Level 3 Financial liabilities: Deposits 2,662,252 2,422,383 2,679,819 2,659,822 Level 2 Subordinated notes and Federal Home Loan bank advances and other borrowings 79,800 79,768 44,666 43,831 Level 2 Other liabilities 9,216 9,216 4,605 4,605 Level 3

Parent Company Only Financial_2

Parent Company Only Financial Information (Tables)	12 Months Ended
Parent Company Only Financial Information (Tables)	Dec. 31, 2023
Condensed Financial Information Disclosure [Abstract]
Condensed Balance Sheets	The following information presents the condensed balance sheets of CapStar Financial Holdings, Inc. as of the years ended December 31, 2023 and 2022 (in thousands). Condensed Balance Sheets December 31, 2023 December 31, 2022 Assets Cash and cash equivalents $ 9,650 $ 7,346 Investment in consolidated subsidiary 380,900 375,596 Other assets 1,187 932 Total assets $ 391,737 $ 383,874 Liabilities and Shareholders' Equity Subordinated debt $ 29,800 $ 29,666 Other liabilities 379 26 Total shareholders' equity 361,558 354,182 Total liabilities and shareholders' equity $ 391,737 $ 383,874
Condensed Income Statements	The following information presents the statements of income, and statements of cash flows of CapStar Financial Holdings, Inc. for the years ended December 31, 2023, 2022 and 2021 (in thousands). Condensed Income Statements Year Ended Year Ended Year Ended December 31, 2023 December 31, 2022 December 31, 2021 Income - dividends from subsidiary $ 30,830 $ 14,100 $ 5,150 Interest expense subordinated debt 1,575 1,575 1,575 Other expenses 2,604 884 954 Income (loss) before income taxes and equity in undistributed net income of subsidiary 26,651 11,641 2,621 Income tax benefit ( 676 ) ( 651 ) ( 645 ) Income before equity in undistributed net income of subsidiary 27,327 12,292 3,266 Equity in undistributed net income of subsidiary 2,477 26,725 45,411 Net income $ 29,804 $ 39,017 $ 48,677
Condensed Statements of Cash Flow	Condensed Statements of Cash Flow Year Ended Year Ended Year Ended December 31, 2023 December 31, 2022 December 31, 2021 Cash flows from operating activities: Net income $ 29,804 $ 39,017 $ 48,677 Adjustments to reconcile net income to net cash used in operating activities: Changes in other assets and liabilities ( 30,408 ) ( 13,594 ) ( 4,871 ) Equity in undistributed net income of subsidiary ( 2,477 ) ( 26,725 ) ( 45,411 ) Net cash used in operating activities ( 3,081 ) ( 1,302 ) ( 1,605 ) Cash flows from investing activities: Dividends received from CapStar Bank 30,830 14,100 5,150 Net cash provided by investing activities 30,830 14,100 5,150 Cash flows from financing activities: Issuance of subordinated debt — — — Repurchase of common stock ( 16,447 ) ( 9,574 ) ( 462 ) Exercise of common stock options and warrants 85 ( 79 ) 858 Common stock dividends paid ( 9,083 ) ( 7,849 ) ( 5,067 ) Net cash used in financing activities ( 25,445 ) ( 17,502 ) ( 4,671 ) Net (decrease) increase in cash and cash equivalents 2,304 ( 4,704 ) ( 1,126 ) Cash and cash equivalents at beginning of period 7,346 12,050 13,176 Cash and cash equivalents at end of period $ 9,650 $ 7,346 $ 12,050

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Additional Information (Details)		12 Months Ended
	Jan. 01, 2023 USD ($)	Dec. 31, 2023 USD ($) Security shares	Dec. 31, 2022 USD ($) shares	Dec. 31, 2021 USD ($) shares	Dec. 31, 2020
Summary Of Significant Accounting Policies [Line Items]
Number of Securities \| Security		3
Transition adjustment increase in allowance for credit losses	$ 1,500,000
Reclassification of purchased accounting discounts	200,000
Unfunded commitments credit exposures	3,400,000
Increased deferred tax assets	1,300,000
Accrual of interest on loans due discontinued period		90 days
period of mortgage loans charged off		180 days
Noninterest income		$ 3,383,000	$ 5,073,000	$ 16,058,000
Servicing rights impairment charges			$ 47,000	$ 77,000
Goodwill impairment		$ 0
Income tax examination description		A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded.
Tax benefit from income tax examination		$ 0
Antidilutive stock options excluded from diluted earnings per share \| shares		0	0	0
Allowance for loan losses		$ (2,000,000)
Cumulative Effect, Period of Adoption, Adjustment
Summary Of Significant Accounting Policies [Line Items]
Net decrease to retained earnings	$ 3,400,000
Increase to ACL		200,000
Other Operating Expenses
Summary Of Significant Accounting Policies [Line Items]
Advertising expense		$ 800,000	$ 900,000	$ 800,000
IRS
Summary Of Significant Accounting Policies [Line Items]
Open to audit					2017 2018 2019 2020
States
Summary Of Significant Accounting Policies [Line Items]
Open to audit					2017 2018 2019 2020
Accounting Standards Update 2016-02
Summary Of Significant Accounting Policies [Line Items]
Change in accounting principle, accounting standards update, adopted [true false]					true
Accounting Standards Update 2017-12
Summary Of Significant Accounting Policies [Line Items]
Change in accounting principle, accounting standards update, adopted [true false]					true
Change in accounting principle accounting standards update immaterial effect					true
Minimum
Summary Of Significant Accounting Policies [Line Items]
Minimum number of days past due for debt security		90 days
Premises and equipment, useful lives		1 year
Income tax benefit recognized percentage		50%
Minimum \| Core Deposit
Summary Of Significant Accounting Policies [Line Items]
Intangible assets, useful lives			6 years
Maximum
Summary Of Significant Accounting Policies [Line Items]
Premises and equipment, useful lives		39 years
Maximum \| Core Deposit
Summary Of Significant Accounting Policies [Line Items]
Intangible assets, useful lives			10 years
Bank Servicing
Summary Of Significant Accounting Policies [Line Items]
Noninterest income		$ 1,000,000	$ 400,000	600,000
Residential mortgage loans held for sale
Summary Of Significant Accounting Policies [Line Items]
Mortgage banking income		$ (200,000)	$ (500,000)	$ (2,500,000)
Consumer Loan
Summary Of Significant Accounting Policies [Line Items]
Accrual of interest on loans due charged off		120 days
Available For Sale Debt Securities
Summary Of Significant Accounting Policies [Line Items]
Accrued interest receivable on debt securities		$ 1,600

Summary of Significant Accoun_5

Summary of Significant Accounting Policies - Summary of Difference Between the Fair Value and Aggregate Unpaid Principal Balance (Details) - Residential mortgage loans held for sale - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	$ 10,287	$ 12,636
Aggregate Unpaid Principal Balance	10,043	12,582
Difference	$ 244	$ 54

Summary of Significant Accoun_6

Summary of Significant Accounting Policies - Summary of Basic and Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Basic net income per share calculation:
Numerator – Net income	$ 29,804	$ 39,017	$ 48,677
Denominator – Average common shares outstanding	21,142,177	22,010,462	22,127,919
Basic net income per share	$ 1.41	$ 1.77	$ 2.20
Diluted net income per share calculation:
Numerator – Net income	$ 29,804	$ 39,017	$ 48,677
Denominator – Average common shares outstanding	21,142,177	22,010,462	22,127,919
Dilutive shares contingently issuable	30,535	49,393	51,542
Average diluted common shares outstanding	21,172,712	22,059,855	22,179,461
Diluted net income per share	$ 1.41	$ 1.77	$ 2.19

Business Combination - Addition

Business Combination - Additional Information (Details) - USD ($) $ / shares in Units, $ in Thousands		12 Months Ended
	Oct. 26, 2023	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Business Acquisition [Line Items]
All-stock transaction aggregate value		$ 16,447	$ 9,574	$ 462
Loss Contingency, Actions Taken by Plaintiff		One
ONB
Business Acquisition [Line Items]
Common stock, par value	$ 16.64
All-stock transaction aggregate value	$ 344,000
Shares of Common Stock	1.155

Investment Securities - Summary

Investment Securities - Summary of Company's Classification of Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Securities available for sale [Abstract]
Amortized Cost	$ 422,915	$ 466,461
Gross unrealized gains	1,072	132
Gross unrealized (losses)	(64,667)	(70,177)
Estimated fair value	359,320	396,416
Securities held to maturity [Abstract]
Amortized Cost	0	1,240
Estimated fair value	0	1,240
U. S. government agency securities
Securities available for sale [Abstract]
Amortized Cost	12,989	14,537
Gross unrealized (losses)	(1,385)	(1,635)
Estimated fair value	11,604	12,902
State and municipal securities
Securities available for sale [Abstract]
Amortized Cost	74,668	77,562
Gross unrealized gains	310	129
Gross unrealized (losses)	(6,926)	(9,379)
Estimated fair value	68,052	68,312
Securities held to maturity [Abstract]
Amortized Cost	0	1,240
Estimated fair value	0	1,240
Mortgage-backed securities
Securities available for sale [Abstract]
Amortized Cost	271,024	300,488
Gross unrealized (losses)	(50,959)	(55,660)
Estimated fair value	220,065	244,828
Asset-backed securities
Securities available for sale [Abstract]
Amortized Cost	3,192	3,332
Gross unrealized (losses)	(46)	(62)
Estimated fair value	3,146	3,270
Other debt securities
Securities available for sale [Abstract]
Amortized Cost	61,042	70,542
Gross unrealized gains	762	3
Gross unrealized (losses)	(5,351)	(3,441)
Estimated fair value	$ 56,453	$ 67,104

Investment Securities - Summa_2

Investment Securities - Summary of Amortized Cost and Fair Value of Debt and Equity Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Available-for-sale, Amortized cost [Abstract]
Due in less than one year	$ 1,153
Due one to five years	21,422
Due five to ten years	93,600
Due beyond ten years	32,524
Amortized Cost	422,915
Available-for-sale, Estimated fair value [Abstract]
Due in less than one year	1,076
Due one to five years	20,240
Due five to ten years	84,966
Due beyond ten years	29,827
Estimated fair value	359,320	$ 396,416
Held-to-maturity, Amortized cost [Abstract]
Amortized Cost	0	1,240
Securities held to maturity [Abstract]
Estimated fair value	0	1,240
Mortgage-backed securities
Available-for-sale, Amortized cost [Abstract]
Amortized cost	271,024
Available-for-sale, Estimated fair value [Abstract]
Estimated fair value	220,065
Estimated fair value	220,065	244,828
Asset-backed securities
Available-for-sale, Amortized cost [Abstract]
Amortized cost	3,192
Available-for-sale, Estimated fair value [Abstract]
Estimated fair value	3,146
Estimated fair value	$ 3,146	$ 3,270

Investment Securities - Summa_3

Investment Securities - Summary of Sales, Maturities, Prepayments and Calls of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Proceeds	$ 40,177	$ 64,177	$ 104,733
Gross gains	6	8	45
Gross losses	$ (1)	$ 0	$ (17)

Investment Securities - Additio

Investment Securities - Additional Information (Details)	3 Months Ended	12 Months Ended
Investment Securities - Additional Information (Details)	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($) Security	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Schedule Of Available For Sale Securities [Line Items]
Provision for credit losses on available-for-sale securities		$ 2,000,000	$ 0	$ 0
Financing Receivable, Allowance for Credit Loss		$ 2,000,000
Number of debt securities available-for-sale in an unrealized loss position \| Security		288
Forecast
Schedule Of Available For Sale Securities [Line Items]
Amount recovered from sale of subordinated debt securities	$ 800,000
Allowance For Credit Loss
Schedule Of Available For Sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss		$ 0
Securities Other Than U S Government and Agencies
Schedule Of Available For Sale Securities [Line Items]
Holdings of securities of any one issuer greater than ten percent of stockholder's equity		0	0
Public Deposits, Derivative Positions and Federal Home Loan Bank Advances
Schedule Of Available For Sale Securities [Line Items]
Market value of securities		$ 190,900,000	$ 217,300,000

Investment Securities - Summa_4

Investment Securities - Summary of Securities with Unrealized Losses Aggregated by Major Security Type and Length of Time Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Schedule Of Available For Sale Securities [Line Items]
Less than 12 months, Estimated fair value	$ 2,770	$ 145,234
Less than 12 months, Gross unrealized losses	(69)	(10,995)
12 months or more, Estimated fair value	337,134	234,230
12 months or more, Gross unrealized losses	(64,598)	(59,182)
Total, Estimated fair value	339,904	379,464
Total, Gross unrealized losses	(64,667)	(70,177)
U. S. government agency securities
Schedule Of Available For Sale Securities [Line Items]
Less than 12 months, Estimated fair value	0	6,243
Less than 12 months, Gross unrealized losses	0	(836)
12 months or more, Estimated fair value	11,604	6,659
12 months or more, Gross unrealized losses	(1,385)	(799)
Total, Estimated fair value	11,604	12,902
Total, Gross unrealized losses	(1,385)	(1,635)
State and municipal securities
Schedule Of Available For Sale Securities [Line Items]
Less than 12 months, Estimated fair value	832	12,952
Less than 12 months, Gross unrealized losses	(7)	(422)
12 months or more, Estimated fair value	48,567	41,779
12 months or more, Gross unrealized losses	(6,919)	(8,957)
Total, Estimated fair value	49,399	54,731
Total, Gross unrealized losses	(6,926)	(9,379)
Mortgage-backed securities
Schedule Of Available For Sale Securities [Line Items]
Less than 12 months, Estimated fair value	0	81,751
Less than 12 months, Gross unrealized losses	0	(7,647)
12 months or more, Estimated fair value	220,065	161,708
12 months or more, Gross unrealized losses	(50,959)	(48,013)
Total, Estimated fair value	220,065	243,459
Total, Gross unrealized losses	(50,959)	(55,660)
Asset-backed securities
Schedule Of Available For Sale Securities [Line Items]
Less than 12 months, Estimated fair value	0	3,270
Less than 12 months, Gross unrealized losses	0	(62)
12 months or more, Estimated fair value	3,146
12 months or more, Gross unrealized losses	(46)
Total, Estimated fair value	3,146	3,270
Total, Gross unrealized losses	(46)	(62)
Other debt securities
Schedule Of Available For Sale Securities [Line Items]
Less than 12 months, Estimated fair value	1,938	41,018
Less than 12 months, Gross unrealized losses	(62)	(2,028)
12 months or more, Estimated fair value	53,752	24,084
12 months or more, Gross unrealized losses	(5,289)	(1,413)
Total, Estimated fair value	55,690	65,102
Total, Gross unrealized losses	$ (5,351)	$ (3,441)

Investment Securities - Summa_5

Investment Securities - Summary of Allowance for Credit Loss Rollforward (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Balance as of December 31, 2022	$ 2,000	$ 0
Adoption of CECL	0
Additions for securities for which no previous expected credit losses were recognized	2,000
Total	$ 2,000	$ 0

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses - Summary of Loans Held for Investment Portfolio (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Loans And Leases Receivable Disclosure [Line Items]
Total loans	$ 2,269,746	$ 2,312,798
Allowance for credit losses on loans	(24,292)	(23,806)
Loans, net	2,245,454	2,288,992
Commercial real estate - owner occupied
Loans And Leases Receivable Disclosure [Line Items]
Total loans	281,219	246,109
Commercial real estate - non-owner occupied
Loans And Leases Receivable Disclosure [Line Items]
Total loans	761,225	803,611
Consumer real estate
Loans And Leases Receivable Disclosure [Line Items]
Total loans	423,338	402,615
Construction and land development
Loans And Leases Receivable Disclosure [Line Items]
Total loans	212,528	229,972
Commercial and industrial
Loans And Leases Receivable Disclosure [Line Items]
Total loans	501,912	496,347
Consumer
Loans And Leases Receivable Disclosure [Line Items]
Total loans	48,758	53,382
Other
Loans And Leases Receivable Disclosure [Line Items]
Total loans	$ 40,766	$ 80,762

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses - Schedule of Aging of Recorded Investment in Past-due Loans, by Class of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	$ 5,369	$ 2,382
Loans Not Past Due	2,249,579	2,299,702
Non-Accrual Loans	14,798	10,714
Total loans excluding purchased credit impaired	2,269,746	2,312,798
Commercial Real Estate Owner Occupied [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	1,244
Loans Not Past Due	278,255	239,351
Non-Accrual Loans	1,720	4,982
Total loans excluding purchased credit impaired	281,219	244,333
Commercial Real Estate Non-Owner Occupied [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	2
Loans Not Past Due	760,769	802,107
Non-Accrual Loans	454
Total loans excluding purchased credit impaired	761,225	802,107
Consumer real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	2,453	774
Loans Not Past Due	415,691	393,893
Non-Accrual Loans	5,194	456
Total loans excluding purchased credit impaired	423,338	395,123
Consumer real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Non-Accrual Loans	5,194
Total loans excluding purchased credit impaired		395,123
Construction and land development
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	445
Loans Not Past Due	212,079	229,896
Non-Accrual Loans	4	8
Total loans excluding purchased credit impaired	212,528	229,904
Commercial and industrial
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	672	873
Loans Not Past Due	496,011	489,842
Non-Accrual Loans	5,229	4,065
Total loans excluding purchased credit impaired	501,912	494,780
Consumer
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	538	231
Loans Not Past Due	46,437	52,731
Non-Accrual Loans	1,783	54
Total loans excluding purchased credit impaired	48,758	53,016
Other
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	15	37
Loans Not Past Due	40,337	80,535
Non-Accrual Loans	414
Total loans excluding purchased credit impaired	40,766	80,572
Purchased credit impaired
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due		467
Loans Not Past Due		11,347
Non-Accrual Loans		1,149
Total loans excluding purchased credit impaired		12,963
30 - 59 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	3,200	885
30 - 59 Days Past Due \| Commercial Real Estate Owner Occupied [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	1,238
30 - 59 Days Past Due \| Commercial Real Estate Non-Owner Occupied [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	2
30 - 59 Days Past Due \| Consumer real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	1,220	456
30 - 59 Days Past Due \| Construction and land development
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	445
30 - 59 Days Past Due \| Commercial and industrial
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	50	76
30 - 59 Days Past Due \| Consumer
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	245	178
30 - 59 Days Past Due \| Purchased credit impaired
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due		175
Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	1,227	472
Financial Asset, 60 to 89 Days Past Due [Member] \| Consumer real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	960	231
Financial Asset, 60 to 89 Days Past Due [Member] \| Commercial and industrial
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	156	53
Financial Asset, 60 to 89 Days Past Due [Member] \| Consumer
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	111	39
Financial Asset, 60 to 89 Days Past Due [Member] \| Purchased credit impaired
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due		149
Greater than 90 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	942	1,025
Greater than 90 Days Past Due \| Commercial Real Estate Owner Occupied [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	6
Greater than 90 Days Past Due \| Consumer real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	273	87
Greater than 90 Days Past Due \| Commercial and industrial
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	466	744
Greater than 90 Days Past Due \| Consumer
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	182	14
Greater than 90 Days Past Due \| Other
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due	$ 15	37
Greater than 90 Days Past Due \| Purchased credit impaired
Financing Receivable Recorded Investment Past Due [Line Items]
Total Past Due		$ 143

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses - Schedule of Recorded Investment in Nonaccrual Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Accounts Notes And Loans Receivable [Line Items]
Non-Accrual loans with no allowance	$ 6,680
Non-Accrual loans with allowance	8,118
Total Non-Accrual Loans	14,798	$ 10,714
Commercial Real Estate Non-Owner Occupied [Member]
Accounts Notes And Loans Receivable [Line Items]
Non-Accrual loans with no allowance	215
Non-Accrual loans with allowance	239
Total Non-Accrual Loans	454
Commercial Real Estate Owner Occupied [Member]
Accounts Notes And Loans Receivable [Line Items]
Non-Accrual loans with allowance	1,720
Total Non-Accrual Loans	1,720	4,982
Consumer real estate
Accounts Notes And Loans Receivable [Line Items]
Non-Accrual loans with no allowance	4,101
Non-Accrual loans with allowance	1,093
Total Non-Accrual Loans	5,194
Construction and land development
Accounts Notes And Loans Receivable [Line Items]
Non-Accrual loans with allowance	4
Total Non-Accrual Loans	4	8
Commercial and industrial
Accounts Notes And Loans Receivable [Line Items]
Non-Accrual loans with no allowance	262
Non-Accrual loans with allowance	4,967
Total Non-Accrual Loans	5,229	4,065
Consumer
Accounts Notes And Loans Receivable [Line Items]
Non-Accrual loans with no allowance	1,707
Non-Accrual loans with allowance	76
Total Non-Accrual Loans	1,783	$ 54
Other
Accounts Notes And Loans Receivable [Line Items]
Non-Accrual loans with no allowance	395
Non-Accrual loans with allowance	19
Total Non-Accrual Loans	$ 414

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses - Additional Information (Details)	12 Months Ended
	Dec. 31, 2023 USD ($) Contract	Dec. 31, 2022 USD ($) Contract	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Loans And Leases Receivable Disclosure [Line Items]
Outstanding balance of loans originated under PPP	$ 2,245,454,000	$ 2,288,992,000
Variable-rate loans	994,500,000	934,900,000
Fixed-rate loans	1,300,000,000	1,400,000,000
Minimum loan amount for loans analyzed by credit risk	$ 500,000
Interest income recognized on a cash basis for impaired loans		0	$ 0
Financing Receivable, Modifications		300,000
Specific allowance related to loans		716,000
Additional commitments related to TDR		$ 0
New TDR identified during the period \| Contract		1
TDR, payment default within twelve months \| Contract	0
Loans held for sale	$ 32,264,000	$ 44,708,000
Allowance for loan and lease losses, Amount	24,292,000	23,806,000	21,698,000	$ 23,245,000
Interest income recognized		659,000	84,000
Impact of PCI loans on ALL		100,000	200,000
Residential Mortgage Loans
Loans And Leases Receivable Disclosure [Line Items]
Mortgage-backed securities forward sales commitments, asset	10,600,000	12,600,000
Unfunded Loan Commitment
Loans And Leases Receivable Disclosure [Line Items]
ACL for unfunded loan commitments	2,700,000	300,000
Non-accrual Loans
Loans And Leases Receivable Disclosure [Line Items]
Interest income recognized	0	0	0
Commercial and industrial
Loans And Leases Receivable Disclosure [Line Items]
Specific allowance related to loans		$ 716,000
New TDR identified during the period \| Contract		1
Allowance for loan and lease losses, Amount	6,421,000	$ 7,654,000	$ 7,441,000	$ 9,708,000
Troubled Debt Restructurings
Loans And Leases Receivable Disclosure [Line Items]
Specific allowance related to loans		0
Loans Insured Or Guaranteed By Us Government Authorities
Loans And Leases Receivable Disclosure [Line Items]
Allowance for loan and lease losses, Amount	$ 21,700,000	$ 32,100,000

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses - Summary of Risk Category of Loans by Applicable Class of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired	$ 2,269,746	$ 2,312,798
Purchased Credit Impaired		12,963
Total loans	2,269,746	2,312,798
Originated in current fiscal year	52
Originated in prior year	164
Originated two years prior	206
Originated three years prior	128
Originated four years prior	71
Originated five or more years prior	410
Revolvers	145
Revolvers converted to term loans	0
Total	1,176
Commercial real estate - owner occupied
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired	281,219	244,333
Purchased Credit Impaired		1,776
Total loans	281,219	246,109
Originated in current fiscal year	0
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	0
Revolvers	0
Revolvers converted to term loans	0
Total	0
Commercial real estate - non-owner occupied
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired	761,225	802,107
Purchased Credit Impaired		1,504
Total loans	761,225	803,611
Originated in current fiscal year	0
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	0
Revolvers	0
Revolvers converted to term loans	0
Total	0
Consumer real estate
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		395,123
Purchased Credit Impaired		7,492
Total loans	423,338	402,615
Originated in current fiscal year	38
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	10
Revolvers	0
Revolvers converted to term loans	0
Total	48
Construction and land development
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired	212,528	229,904
Purchased Credit Impaired		68
Total loans	212,528	229,972
Originated in current fiscal year	0
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	0
Revolvers	0
Revolvers converted to term loans	0
Total	0
Commercial and industrial
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired	501,912	494,780
Purchased Credit Impaired		1,567
Total loans	501,912	496,347
Originated in current fiscal year	0
Originated in prior year	92
Originated two years prior	167
Originated three years prior	98
Originated four years prior	59
Originated five or more years prior	0
Revolvers	145
Revolvers converted to term loans	0
Total	561
Consumer
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired	48,758	53,016
Purchased Credit Impaired		366
Total loans	48,758	53,382
Originated in current fiscal year	14
Originated in prior year	72
Originated two years prior	39
Originated three years prior	30
Originated four years prior	12
Originated five or more years prior	224
Revolvers	0
Revolvers converted to term loans	0
Total	391
Other
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired	40,766	80,572
Purchased Credit Impaired		190
Total loans	40,766	80,762
Originated in current fiscal year	0
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	176
Revolvers	0
Revolvers converted to term loans	0
Total	176
Purchased Credit Impaired
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		12,963
Purchased Credit Impaired		12,963
Pass
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	233,106
Originated in prior year	726,758
Originated two years prior	473,943
Originated three years prior	202,362
Originated four years prior	86,361
Originated five or more years prior	146,069
Revolvers	374,102
Revolvers converted to term loans	1,479
Total	2,244,180
Pass \| Commercial real estate - owner occupied
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	22,826
Originated in prior year	90,775
Originated two years prior	85,829
Originated three years prior	31,626
Originated four years prior	18,978
Originated five or more years prior	22,599
Revolvers	2,072
Revolvers converted to term loans	0
Total	274,705
Pass \| Commercial real estate - non-owner occupied
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	51,160
Originated in prior year	281,832
Originated two years prior	200,858
Originated three years prior	103,062
Originated four years prior	39,425
Originated five or more years prior	71,397
Revolvers	13,038
Revolvers converted to term loans	0
Total	760,772
Pass \| Consumer real estate
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	31,138
Originated in prior year	79,723
Originated two years prior	34,024
Originated three years prior	16,028
Originated four years prior	14,019
Originated five or more years prior	40,607
Revolvers	200,020
Revolvers converted to term loans	1,352
Total	416,911
Pass \| Construction and land development
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	25,119
Originated in prior year	126,610
Originated two years prior	53,408
Originated three years prior	3,860
Originated four years prior	332
Originated five or more years prior	2,096
Revolvers	1,099
Revolvers converted to term loans	0
Total	212,524
Pass \| Commercial and industrial
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	80,805
Originated in prior year	131,266
Originated two years prior	76,003
Originated three years prior	41,763
Originated four years prior	13,112
Originated five or more years prior	7,040
Revolvers	142,151
Revolvers converted to term loans	72
Total	492,212
Pass \| Consumer
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	17,207
Originated in prior year	9,956
Originated two years prior	4,076
Originated three years prior	1,215
Originated four years prior	195
Originated five or more years prior	534
Revolvers	13,613
Revolvers converted to term loans	55
Total	46,851
Pass \| Other
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	4,851
Originated in prior year	6,596
Originated two years prior	19,745
Originated three years prior	4,808
Originated four years prior	300
Originated five or more years prior	1,796
Revolvers	2,109
Revolvers converted to term loans	0
Total	40,205
Special Mention
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	327
Originated in prior year	137
Originated two years prior	2,466
Originated three years prior	2,784
Originated four years prior	0
Originated five or more years prior	2,388
Revolvers	0
Revolvers converted to term loans	13
Total	8,115
Special Mention \| Commercial real estate - owner occupied
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	0
Originated in prior year	0
Originated two years prior	2,466
Originated three years prior	0
Originated four years prior
Originated five or more years prior	2,156
Revolvers	0
Revolvers converted to term loans	0
Total	4,622
Special Mention \| Commercial real estate - non-owner occupied
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	0
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	0
Revolvers	0
Revolvers converted to term loans	0
Total	0
Special Mention \| Consumer real estate
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	163
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	232
Revolvers	0
Revolvers converted to term loans	13
Total	408
Special Mention \| Construction and land development
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	0
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	0
Revolvers	0
Revolvers converted to term loans	0
Total	0
Special Mention \| Commercial and industrial
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	164
Originated in prior year	85
Originated two years prior	0
Originated three years prior	2,784
Originated four years prior	0
Originated five or more years prior	0
Revolvers	0
Revolvers converted to term loans	0
Total	3,033
Special Mention \| Consumer
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	0
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	0
Revolvers	0
Revolvers converted to term loans	0
Total	0
Special Mention \| Other
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	0
Originated in prior year	52
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	0
Revolvers	0
Revolvers converted to term loans	0
Total	52
Substandard
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	462
Originated in prior year	7,395
Originated two years prior	1,842
Originated three years prior	3,339
Originated four years prior	804
Originated five or more years prior	1,472
Revolvers	1,612
Revolvers converted to term loans	236
Total	17,162
Substandard \| Commercial real estate - owner occupied
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	0
Originated in prior year	1,583
Originated two years prior	0
Originated three years prior
Originated four years prior	172
Originated five or more years prior	137
Revolvers	0
Revolvers converted to term loans	0
Total	1,892
Substandard \| Commercial real estate - non-owner occupied
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	0
Originated in prior year	236
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	2
Revolvers	215
Revolvers converted to term loans	0
Total	453
Substandard \| Consumer real estate
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	0
Originated in prior year	4,091
Originated two years prior	39
Originated three years prior	41
Originated four years prior	234
Originated five or more years prior	1,310
Revolvers	162
Revolvers converted to term loans	1
Total	5,878
Substandard \| Construction and land development
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	0
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	4
Revolvers	0
Revolvers converted to term loans	0
Total	4
Substandard \| Commercial and industrial
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	368
Originated in prior year	1,388
Originated two years prior	55
Originated three years prior	3,245
Originated four years prior	0
Originated five or more years prior	0
Revolvers	1,235
Revolvers converted to term loans	235
Total	6,526
Substandard \| Consumer
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	50
Originated in prior year	97
Originated two years prior	1,747
Originated three years prior	3
Originated four years prior	3
Originated five or more years prior	0
Revolvers	0
Revolvers converted to term loans	0
Total	1,900
Substandard \| Other
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	44
Originated in prior year	0
Originated two years prior	1
Originated three years prior	50
Originated four years prior	395
Originated five or more years prior	19
Revolvers	0
Revolvers converted to term loans	0
Total	509
Doubtful
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	77
Originated in prior year	7
Originated two years prior	0
Originated three years prior	70
Originated four years prior	21
Originated five or more years prior	0
Revolvers	88
Revolvers converted to term loans	26
Total	289
Doubtful \| Commercial real estate - owner occupied
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	0
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	0
Revolvers	0
Revolvers converted to term loans	0
Total	0
Doubtful \| Commercial real estate - non-owner occupied
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	0
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	0
Revolvers	0
Revolvers converted to term loans	0
Total	0
Doubtful \| Consumer real estate
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	77
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	0
Revolvers	64
Revolvers converted to term loans	0
Total	141
Doubtful \| Construction and land development
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	0
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	0
Revolvers	0
Revolvers converted to term loans	0
Total	0
Doubtful \| Commercial and industrial
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	0
Originated in prior year	0
Originated two years prior	0
Originated three years prior	70
Originated four years prior	21
Originated five or more years prior	0
Revolvers	24
Revolvers converted to term loans	26
Total	141
Doubtful \| Consumer
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	0
Originated in prior year	7
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	0
Revolvers	0
Revolvers converted to term loans	0
Total	7
Doubtful \| Other
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	0
Originated in prior year	0
Originated two years prior	0
Originated three years prior	0
Originated four years prior	0
Originated five or more years prior	0
Revolvers	0
Revolvers converted to term loans	0
Total	0
Total Impaired Loans
Financing Receivable Recorded Investment [Line Items]
Total loans		9,241
Originated in current fiscal year	233,972
Originated in prior year	734,297
Originated two years prior	478,251
Originated three years prior	208,555
Originated four years prior	87,186
Originated five or more years prior	149,929
Revolvers	375,802
Revolvers converted to term loans	1,754
Total	2,269,746
Total Impaired Loans \| Commercial real estate - owner occupied
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		4,543
Originated in current fiscal year	22,826
Originated in prior year	92,358
Originated two years prior	88,295
Originated three years prior	31,626
Originated four years prior	19,150
Originated five or more years prior	24,892
Revolvers	2,072
Revolvers converted to term loans	0
Total	281,219
Total Impaired Loans \| Commercial real estate - non-owner occupied
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	51,160
Originated in prior year	282,068
Originated two years prior	200,858
Originated three years prior	103,062
Originated four years prior	39,425
Originated five or more years prior	71,399
Revolvers	13,253
Revolvers converted to term loans	0
Total	761,225
Total Impaired Loans \| Consumer real estate
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		367
Originated in current fiscal year	31,378
Originated in prior year	83,814
Originated two years prior	34,063
Originated three years prior	16,069
Originated four years prior	14,253
Originated five or more years prior	42,149
Revolvers	200,246
Revolvers converted to term loans	1,366
Total	423,338
Total Impaired Loans \| Construction and land development
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		7
Originated in current fiscal year	25,119
Originated in prior year	126,610
Originated two years prior	53,408
Originated three years prior	3,860
Originated four years prior	332
Originated five or more years prior	2,100
Revolvers	1,099
Revolvers converted to term loans	0
Total	212,528
Total Impaired Loans \| Commercial and industrial
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		4,305
Originated in current fiscal year	81,337
Originated in prior year	132,739
Originated two years prior	76,058
Originated three years prior	47,862
Originated four years prior	13,133
Originated five or more years prior	7,040
Revolvers	143,410
Revolvers converted to term loans	333
Total	501,912
Total Impaired Loans \| Consumer
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		19
Originated in current fiscal year	17,257
Originated in prior year	10,060
Originated two years prior	5,823
Originated three years prior	1,218
Originated four years prior	198
Originated five or more years prior	534
Revolvers	13,613
Revolvers converted to term loans	55
Total	48,758
Total Impaired Loans \| Other
Financing Receivable Recorded Investment [Line Items]
Originated in current fiscal year	4,895
Originated in prior year	6,648
Originated two years prior	19,746
Originated three years prior	4,858
Originated four years prior	695
Originated five or more years prior	1,815
Revolvers	2,109
Revolvers converted to term loans	0
Total	$ 40,766
Performing Financial Instruments \| Pass
Financing Receivable Recorded Investment [Line Items]
Total loans		2,282,448
Performing Financial Instruments \| Pass \| Commercial real estate - owner occupied
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		234,619
Performing Financial Instruments \| Pass \| Commercial real estate - non-owner occupied
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		802,107
Performing Financial Instruments \| Pass \| Consumer real estate
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		393,734
Performing Financial Instruments \| Pass \| Construction and land development
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		229,897
Performing Financial Instruments \| Pass \| Commercial and industrial
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		477,081
Performing Financial Instruments \| Pass \| Consumer
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		52,911
Performing Financial Instruments \| Pass \| Other
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		80,504
Performing Financial Instruments \| Pass \| Purchased Credit Impaired
Financing Receivable Recorded Investment [Line Items]
Purchased Credit Impaired		11,595
Performing Financial Instruments \| Special Mention
Financing Receivable Recorded Investment [Line Items]
Total loans		5,870
Performing Financial Instruments \| Special Mention \| Commercial real estate - owner occupied
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		4,731
Performing Financial Instruments \| Special Mention \| Consumer real estate
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		555
Performing Financial Instruments \| Special Mention \| Commercial and industrial
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		516
Performing Financial Instruments \| Special Mention \| Purchased Credit Impaired
Financing Receivable Recorded Investment [Line Items]
Purchased Credit Impaired		68
Performing Financial Instruments \| Substandard
Financing Receivable Recorded Investment [Line Items]
Total loans		15,069
Performing Financial Instruments \| Substandard \| Commercial real estate - owner occupied
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		440
Performing Financial Instruments \| Substandard \| Consumer real estate
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		467
Performing Financial Instruments \| Substandard \| Commercial and industrial
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		12,751
Performing Financial Instruments \| Substandard \| Consumer
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		84
Performing Financial Instruments \| Substandard \| Other
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		68
Performing Financial Instruments \| Substandard \| Purchased Credit Impaired
Financing Receivable Recorded Investment [Line Items]
Purchased Credit Impaired		1,259
Performing Financial Instruments \| Doubtful
Financing Receivable Recorded Investment [Line Items]
Total loans		170
Performing Financial Instruments \| Doubtful \| Commercial and industrial
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		127
Performing Financial Instruments \| Doubtful \| Consumer
Financing Receivable Recorded Investment [Line Items]
Total loans excluding purchased credit impaired		2
Performing Financial Instruments \| Doubtful \| Purchased Credit Impaired
Financing Receivable Recorded Investment [Line Items]
Purchased Credit Impaired		$ 41

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses - Schedule of Loan Modification (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Modified [Line Items]
Financing Receivable, Modifications		$ 300
Percentage Related to Loan Modification	0.23%
Commercial Portfolio Segment [Member]
Financing Receivable, Modified [Line Items]
Percentage Related to Loan Modification	1.03%
Extended Maturity [Member]
Financing Receivable, Modified [Line Items]
Financing Receivable, Modifications	$ 326
Extended Maturity [Member] \| Commercial Portfolio Segment [Member]
Financing Receivable, Modified [Line Items]
Financing Receivable, Modifications	326
Payment Deferral [Member]
Financing Receivable, Modified [Line Items]
Financing Receivable, Modifications	4,819
Payment Deferral [Member] \| Commercial Portfolio Segment [Member]
Financing Receivable, Modified [Line Items]
Financing Receivable, Modifications	$ 4,819

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses - Schedule of Financial Effect of the Loan Modification (Details)	12 Months Ended
	Dec. 31, 2023
Financing Receivable, Modified [Line Items]
Weighted-average payment delay	4 months
Weighted-average term extension	3 months
Commercial and industrial
Financing Receivable, Modified [Line Items]
Weighted-average payment delay	4 months
Weighted-average term extension	3 months

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses - Schedule of Collateral Dependent Loans by Class of Loan and Type of Collateral (Details) $ in Thousands	Dec. 31, 2023 USD ($)
Real Estate
Financing Receivable, Modified [Line Items]
Securities Loaned, Fair Value of Collateral	$ 6,951
Collateral Pledged
Financing Receivable, Modified [Line Items]
Securities Loaned, Fair Value of Collateral	6,951
Commercial real estate - non-owner occupied \| Real Estate
Financing Receivable, Modified [Line Items]
Securities Loaned, Fair Value of Collateral	456
Commercial real estate - non-owner occupied \| Collateral Pledged
Financing Receivable, Modified [Line Items]
Securities Loaned, Fair Value of Collateral	456
Consumer \| Real Estate
Financing Receivable, Modified [Line Items]
Securities Loaned, Fair Value of Collateral	5,118
Consumer \| Collateral Pledged
Financing Receivable, Modified [Line Items]
Securities Loaned, Fair Value of Collateral	5,118
Commercial and industrial \| Real Estate
Financing Receivable, Modified [Line Items]
Securities Loaned, Fair Value of Collateral	982
Commercial and industrial \| Collateral Pledged
Financing Receivable, Modified [Line Items]
Securities Loaned, Fair Value of Collateral	982
Other \| Real Estate
Financing Receivable, Modified [Line Items]
Securities Loaned, Fair Value of Collateral	395
Other \| Collateral Pledged
Financing Receivable, Modified [Line Items]
Securities Loaned, Fair Value of Collateral	$ 395

Loans and Allowance for Cred_11

Loans and Allowance for Credit Losses - Summary of Changes in Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning Balance	$ 23,806	$ 21,698	$ 23,245
Adoption of CECL	0
After Adoption of CECL	25,303
Charged-off loans	(1,176)	(756)	(647)
Recoveries	371	390	166
Provision for loan losses	(206)	2,474	(1,066)
Ending Balance	24,292	23,806	21,698
Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable Allowance For Credit Losses [Line Items]
Adoption of CECL	1,497
Commercial real estate - owner occupied
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning Balance	1,967	1,685	1,561
After Adoption of CECL	2,176
Charged-off loans	0	0	0
Recoveries	0	0	0
Provision for loan losses	16	282	124
Ending Balance	2,192	1,967	1,685
Commercial real estate - owner occupied \| Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable Allowance For Credit Losses [Line Items]
Adoption of CECL	209
Commercial real estate - non-owner occupied
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning Balance	5,967	5,439	5,788
After Adoption of CECL	5,335
Charged-off loans	0	(12)	(10)
Recoveries	0	225	10
Provision for loan losses	674	315	(349)
Ending Balance	6,009	5,967	5,439
Commercial real estate - non-owner occupied \| Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable Allowance For Credit Losses [Line Items]
Adoption of CECL	(632)
Consumer real estate
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning Balance	3,153	2,412	1,831
After Adoption of CECL	3,803
Charged-off loans	(48)	(8)	(1)
Recoveries	44	6	18
Provision for loan losses	301	743	564
Ending Balance	4,100	3,153	2,412
Consumer real estate \| Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable Allowance For Credit Losses [Line Items]
Adoption of CECL	650
Consumer real estate
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning Balance	3,153
Ending Balance	4,100	3,153
Construction and land development
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning Balance	3,830	3,769	3,476
After Adoption of CECL	3,564
Charged-off loans	0	0	0
Recoveries	0	0	0
Provision for loan losses	(673)	61	293
Ending Balance	2,891	3,830	3,769
Construction and land development \| Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable Allowance For Credit Losses [Line Items]
Adoption of CECL	(266)
Commercial and industrial
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning Balance	7,654	7,441	9,708
After Adoption of CECL	6,659
Charged-off loans	(561)	(205)	(199)
Recoveries	117	33	10
Provision for loan losses	206	385	(2,078)
Ending Balance	6,421	7,654	7,441
Commercial and industrial \| Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable Allowance For Credit Losses [Line Items]
Adoption of CECL	(995)
Consumer
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning Balance	430	397	305
After Adoption of CECL	1,557
Charged-off loans	(391)	(330)	(210)
Recoveries	186	110	87
Provision for loan losses	568	253	215
Ending Balance	1,920	430	397
Consumer \| Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable Allowance For Credit Losses [Line Items]
Adoption of CECL	1,127
Other
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning Balance	805	555	576
After Adoption of CECL	2,209
Charged-off loans	(176)	(201)	(227)
Recoveries	24	16	41
Provision for loan losses	(1,298)	435	165
Ending Balance	759	805	555
Other \| Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable Allowance For Credit Losses [Line Items]
Adoption of CECL	1,404
Unfunded commitments
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning Balance	319	319	319
After Adoption of CECL	3,669
Charged-off loans	0	0
Recoveries	0	0	0
Provision for loan losses	(945)	0	0
Ending Balance	2,724	$ 319	$ 319
Unfunded commitments \| Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable Allowance For Credit Losses [Line Items]
Adoption of CECL	$ 3,350

Loans and Allowance for Cred_12

Loans and Allowance for Credit Losses - Summary of Breakdown of Allowance for Loan Losses and Loan Portfolio by Loan Category (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Allowance for Loan Losses:
Collectively evaluated for impairment		$ 23,009
Individually evaluated for impairment		716
Purchased credit impaired		81
Allowance for Loan Losses, Ending Balance	$ 24,292	23,806	$ 21,698	$ 23,245
Loans:
Collectively evaluated for impairment		2,290,594
Individually evaluated for impairment		9,241
Purchased credit impaired		12,963
Total	2,269,746	2,312,798
Commercial real estate - owner occupied
Allowance for Loan Losses:
Collectively evaluated for impairment		1,967
Allowance for Loan Losses, Ending Balance	2,192	1,967	1,685	1,561
Loans:
Collectively evaluated for impairment		239,790
Individually evaluated for impairment		4,543
Purchased credit impaired		1,776
Total	281,219	246,109
Commercial real estate - non-owner occupied
Allowance for Loan Losses:
Collectively evaluated for impairment		5,967
Allowance for Loan Losses, Ending Balance	6,009	5,967	5,439	5,788
Loans:
Collectively evaluated for impairment		802,107
Purchased credit impaired		1,504
Total	761,225	803,611
Consumer real estate
Allowance for Loan Losses:
Collectively evaluated for impairment		3,153
Allowance for Loan Losses, Ending Balance	4,100	3,153
Loans:
Collectively evaluated for impairment		394,756
Individually evaluated for impairment		367
Purchased credit impaired		7,492
Total	423,338	402,615
Construction and land development
Allowance for Loan Losses:
Collectively evaluated for impairment		3,830
Allowance for Loan Losses, Ending Balance	2,891	3,830	3,769	3,476
Loans:
Collectively evaluated for impairment		229,897
Individually evaluated for impairment		7
Purchased credit impaired		68
Total	212,528	229,972
Commercial and industrial
Allowance for Loan Losses:
Collectively evaluated for impairment		6,909
Individually evaluated for impairment		716
Purchased credit impaired		29
Allowance for Loan Losses, Ending Balance	6,421	7,654	7,441	9,708
Loans:
Collectively evaluated for impairment		490,475
Individually evaluated for impairment		4,305
Purchased credit impaired		1,567
Total	501,912	496,347
Consumer
Allowance for Loan Losses:
Collectively evaluated for impairment		378
Purchased credit impaired		52
Allowance for Loan Losses, Ending Balance	1,920	430	397	305
Loans:
Collectively evaluated for impairment		52,997
Individually evaluated for impairment		19
Purchased credit impaired		366
Total	48,758	53,382
Other
Allowance for Loan Losses:
Collectively evaluated for impairment		805
Allowance for Loan Losses, Ending Balance	759	805	$ 555	$ 576
Loans:
Collectively evaluated for impairment		80,572
Purchased credit impaired		190
Total	$ 40,766	$ 80,762

Loans and Allowance for Cred_13

Loans and Allowance for Credit Losses - Allocation of ACL with Corresponding Percentage of Loans in Each Category to Total Loans, Net of Deferred Fee (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Loans And Leases Receivable Disclosure [Line Items]
Allowance for loan and lease losses, Amount	$ 24,292	$ 23,806	$ 21,698	$ 23,245
Allowance for loan and lease losses, Percentage of total loans	1.07%	1.03%
Commercial real estate - owner occupied
Loans And Leases Receivable Disclosure [Line Items]
Allowance for loan and lease losses, Amount	$ 2,192	$ 1,967	1,685	1,561
Allowance for loan and lease losses, Percentage of total loans	0.10%	0.08%
Commercial real estate - non-owner occupied
Loans And Leases Receivable Disclosure [Line Items]
Allowance for loan and lease losses, Amount	$ 6,009	$ 5,967	5,439	5,788
Allowance for loan and lease losses, Percentage of total loans	0.26%	0.26%
Consumer real estate
Loans And Leases Receivable Disclosure [Line Items]
Allowance for loan and lease losses, Amount	$ 4,100	$ 3,153
Allowance for loan and lease losses, Percentage of total loans	0.18%	0.14%
Construction and land development
Loans And Leases Receivable Disclosure [Line Items]
Allowance for loan and lease losses, Amount	$ 2,891	$ 3,830	3,769	3,476
Allowance for loan and lease losses, Percentage of total loans	0.13%	0.17%
Commercial and industrial
Loans And Leases Receivable Disclosure [Line Items]
Allowance for loan and lease losses, Amount	$ 6,421	$ 7,654	7,441	9,708
Allowance for loan and lease losses, Percentage of total loans	0.28%	0.33%
Consumer
Loans And Leases Receivable Disclosure [Line Items]
Allowance for loan and lease losses, Amount	$ 1,920	$ 430	397	305
Allowance for loan and lease losses, Percentage of total loans	0.08%	0.02%
Other
Loans And Leases Receivable Disclosure [Line Items]
Allowance for loan and lease losses, Amount	$ 759	$ 805	$ 555	$ 576
Allowance for loan and lease losses, Percentage of total loans	0.03%	0.03%

Loans and Allowance for Cred_14

Loans and Allowance for Credit Losses - Summary of Loans Individually Evaluated for Impairment (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Financing Receivable Impaired [Line Items]
Impaired loans with no related allowance recorded, Recorded investment	$ 5,356
Impaired loans with no related allowance recorded, Unpaid principal balance	5,383
Impaired loans with an allowance recorded, Recorded investment	3,885
Impaired loans with an allowance recorded, Unpaid principal balance	4,061
Impaired loans with an allowance recorded, Related allowance	716
Recorded investment	9,241
Unpaid principal balance	9,444
Commercial real estate - owner occupied
Financing Receivable Impaired [Line Items]
Impaired loans with no related allowance recorded, Recorded investment	4,543
Impaired loans with no related allowance recorded, Unpaid principal balance	4,551
Commercial real estate - non-owner occupied
Financing Receivable Impaired [Line Items]
Impaired loans with no related allowance recorded, Recorded investment	0
Impaired loans with no related allowance recorded, Unpaid principal balance	0
Consumer real estate
Financing Receivable Impaired [Line Items]
Impaired loans with no related allowance recorded, Recorded investment	367
Impaired loans with no related allowance recorded, Unpaid principal balance	393
Construction and land development
Financing Receivable Impaired [Line Items]
Impaired loans with no related allowance recorded, Recorded investment	7
Impaired loans with no related allowance recorded, Unpaid principal balance	8
Commercial and industrial
Financing Receivable Impaired [Line Items]
Impaired loans with no related allowance recorded, Recorded investment	420
Impaired loans with no related allowance recorded, Unpaid principal balance	412
Impaired loans with an allowance recorded, Recorded investment	3,885
Impaired loans with an allowance recorded, Unpaid principal balance	4,061
Impaired loans with an allowance recorded, Related allowance	716
Consumer
Financing Receivable Impaired [Line Items]
Impaired loans with no related allowance recorded, Recorded investment	19
Impaired loans with no related allowance recorded, Unpaid principal balance	$ 19

Loans and Allowance for Cred_15

Loans and Allowance for Credit Losses - Summary of Average Balances of Impaired Loans and Income Recognized on Impaired Loans While They were Considered Impaired Under Incurred Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable Impaired [Line Items]
Impaired loans with no related allowance recorded, Average recorded investment	$ 5,256	$ 2,056
Impaired loans with no related allowance recorded, Interest income recognized	237	84
Impaired loans with an allowance recorded, Average recorded investment	4,189	665
Impaired loans with an allowance recorded, Interest income recognized	422
Average recorded investment	9,445	2,721
Interest income recognized	659	84
Commercial real estate - owner occupied
Financing Receivable Impaired [Line Items]
Impaired loans with no related allowance recorded, Average recorded investment	4,612	1,169
Impaired loans with no related allowance recorded, Interest income recognized	210	64
Commercial real estate - non-owner occupied
Financing Receivable Impaired [Line Items]
Impaired loans with an allowance recorded, Average recorded investment		665
Consumer real estate
Financing Receivable Impaired [Line Items]
Impaired loans with no related allowance recorded, Average recorded investment	387	577
Impaired loans with no related allowance recorded, Interest income recognized	9	3
Construction and land development
Financing Receivable Impaired [Line Items]
Impaired loans with no related allowance recorded, Average recorded investment	8	12
Impaired loans with no related allowance recorded, Interest income recognized		1
Commercial and industrial
Financing Receivable Impaired [Line Items]
Impaired loans with no related allowance recorded, Average recorded investment	228	263
Impaired loans with no related allowance recorded, Interest income recognized	17	13
Impaired loans with an allowance recorded, Average recorded investment	4,189
Impaired loans with an allowance recorded, Interest income recognized	422
Consumer
Financing Receivable Impaired [Line Items]
Impaired loans with no related allowance recorded, Average recorded investment	21	35
Impaired loans with no related allowance recorded, Interest income recognized	$ 1	$ 3

Loans and Allowance for Cred_16

Loans and Allowance for Credit Losses - Schedule of Loans by Class Modified as TDR (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) Contract
Financing Receivable, Modifications
Number of contracts \| Contract	1
Pre modification outstanding recorded investment	$ 86
Post modification outstanding recorded investment, net of related allowance	$ 86
Consumer real estate
Financing Receivable, Modifications
Number of contracts \| Contract	0
Pre modification outstanding recorded investment	$ 0
Post modification outstanding recorded investment, net of related allowance	$ 0
Commercial and industrial
Financing Receivable, Modifications
Number of contracts \| Contract	1
Pre modification outstanding recorded investment	$ 86
Post modification outstanding recorded investment, net of related allowance	$ 86

Loans and Allowance for Cred_17

Loans and Allowance for Credit Losses - Schedule of Activity in Purchased Credit Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Certain Loans Acquired In Transfer Accounted For As Debt Securities Accretable Yield Movement Schedule [Line Items]
Balance at beginning of period	$ 19,261	$ 28,392
Change due to payments received and accretion	(6,217)	(8,940)
Reclassification of discount to allowance for loan losses	(81)	(191)
Balance at end of period	12,963	19,261
Accretable Yield For PCI Loans
Certain Loans Acquired In Transfer Accounted For As Debt Securities Accretable Yield Movement Schedule [Line Items]
Balance at beginning of period	5,763	4,068
Accretion	(1,565)	(1,987)
Reclassification from nonaccretable difference	304	1,519
Other, Net	(206)	2,163
Balance at end of period	$ 4,296	$ 5,763

Loan Servicing - Additional Inf

Loan Servicing - Additional Information (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Transfers and Servicing [Abstract]
Loan principal balance	$ 122.3	$ 137.2

Loan Servicing - Schedule of Ac

Loan Servicing - Schedule of Activity for Loan Servicing Rights and Related Valuation Allowance (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Loan servicing rights:
Balance at beginning of period	$ 1,004	$ 1,425	$ 1,634
Additions	0	29	229
Amortized to offset other noninterest income	(112)	(450)	(438)
Balance at end of period	892	1,004	1,425
Valuation allowance:
Balance at beginning of period	(325)	(372)	(449)
Reductions credited to other noninterest income	0	47	77
Direct write-downs	0	0	0
Other	(47)	0	0
Balance at end of period	$ (372)	$ (325)	$ (372)

Premises and Equipment - Summar

Premises and Equipment - Summary of Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 32,145	$ 32,641
Less accumulated depreciation and amortization	(9,151)	(7,786)
Premises and equipment, net	$ 22,994	24,855
Minimum
Property Plant And Equipment [Line Items]
Premises and equipment, useful lives	1 year
Maximum
Property Plant And Equipment [Line Items]
Premises and equipment, useful lives	39 years
Buildings
Property Plant And Equipment [Line Items]
Premises and equipment, useful lives	39 years
Premises and equipment, gross	$ 18,192	18,686
Leasehold improvements
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 1,821	1,007
Leasehold improvements \| Minimum
Property Plant And Equipment [Line Items]
Premises and equipment, useful lives	1 year
Leasehold improvements \| Maximum
Property Plant And Equipment [Line Items]
Premises and equipment, useful lives	17 years
Furniture and equipment
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 6,915	6,312
Furniture and equipment \| Minimum
Property Plant And Equipment [Line Items]
Premises and equipment, useful lives	1 year
Furniture and equipment \| Maximum
Property Plant And Equipment [Line Items]
Premises and equipment, useful lives	7 years
Land
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 5,097	6,402
Fixed Assets In Process
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 120	$ 234

Premises and Equipment - Additi

Premises and Equipment - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Premises and equipment depreciation and amortization expense	$ 1.4	$ 1.4	$ 1.5

Leases - Additional Information

Leases - Additional Information (Details) - USD ($)	12 Months Ended
Leases - Additional Information (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Operating lease, expiration year	2032
Operating lease, liability	$ 10,311,000
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other liabilities
Operating lease, right-of-use asset	$ 9,500,000
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other assets
Operating lease, weighted average remaining lease term	8 years
Operating lease, weighted average discount rate, percent	3.25%
Sale and leaseback transaction	$ 0	$ 0	$ 0

Leases - Summary of Lease Costs

Leases - Summary of Lease Costs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Operating lease cost	$ 2,336	$ 2,164	$ 2,102
Short-term lease cost	16	16	0
Total lease cost	$ 2,352	$ 2,180	$ 2,102

Leases - Maturity Analysis of O

Leases - Maturity Analysis of Operating Lease Liabilities and Reconciliation of Undiscounted Cash Flows (Details) $ in Thousands	Dec. 31, 2023 USD ($)
Lease payments due:
2024	$ 1,717
2025	1,693
2026	1,576
2027	1,425
2028	1,270
2029 and thereafter	3,757
Total undiscounted cash flows	11,438
Discount on cash flows	(1,127)
Total lease liability	$ 10,311

Goodwill And Intangible Asset_2

Goodwill And Intangible Assets - Summary of Change In Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Beginning of year	$ 41,068	$ 41,068
Acquired goodwill	0	0
Impairment	0	0
End of year	$ 41,068	$ 41,068

Goodwill And Intangible Asset_3

Goodwill And Intangible Assets - Summary of Acquired Intangible Assets (Details) - Core Deposit - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Finite Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 12,837	$ 12,837
Accumulated Amortization	$ (9,277)	$ (7,836)

Goodwill And Intangible Asset_4

Goodwill And Intangible Assets - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Finite-Lived Intangible Assets [Line Items]
Aggregate amortization expense	$ 1,441	$ 1,690	$ 1,939

Goodwill And Intangible Asset_5

Goodwill And Intangible Assets - Summary of Estimated Amortization Expense (Details) $ in Thousands	Dec. 31, 2023 USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2024	$ 1,192
2025	943
2026	694
2027	445
2028	200
Thereafter	86
Total	$ 3,560

Other Real Estate Owned - Summa

Other Real Estate Owned - Summary of Other Real Estate Owned Activity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Other Real Estate [Roll Forward]
Beginning balance	$ 0	$ 266	$ 523
Loans transferred to other real estate owned	11	0	2,022
Sales of other real estate owned	0	(266)	(2,279)
End of year	$ 11	$ 0	$ 266

Other Real Estate Owned - Addit

Other Real Estate Owned - Additional Information (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Other Real Estate [Roll Forward]
Valuation allowance allocated to properties	$ 0	$ 0

Other Real Estate Owned - Sum_2

Other Real Estate Owned - Summary of Expenses Related to Other Real Estate Owned (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Other Real Estate [Abstract]
Net gain on sales	$ 0	$ (102)	$ (49)
Total	$ 0	$ (102)	$ (49)

Deposits - Additional Informati

Deposits - Additional Information (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Deposits [Abstract]
FDIC deposit insurance limit	$ 250,000	$ 250,000
Time deposits	121,400,000	105,400,000
Brokered certificates of deposit	200,500,000	348,700,000
Deposit accounts in overdraft status reclassified to loans	$ 500,000	$ 1,000,000

Deposits - Scheduled Maturities

Deposits - Scheduled Maturities of Time Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Maturities of Time Deposits [Abstract]
2024	$ 602,881
2025	42,228
2026	2,604
2027	4,064
2028	2,434
Thereafter	601
Total	$ 654,812	$ 708,696

Short-Term Borrowings And Lon_3

Short-Term Borrowings And Long-Term Debt - Additional Information (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2020 USD ($)	Dec. 31, 2023 USD ($) BasisPoint	Dec. 31, 2022 USD ($)
Debt Instrument [Line Items]
Short-term borrowings		$ 50,000	$ 15,000
Subordinated Notes
Debt Instrument [Line Items]
Proceeds from issuance of subordinated notes, net of debt issuance expense	$ 30,000
Debt issuance costs	$ 600
Maturity date	Jun. 30, 2030
Redemption date		Jun. 30, 2025
Fixed interest rate		5.25%
Debt instrument, frequency of periodic interest payment		quarterly
Debt instrument, description of variable rate basis		The notes have a fixed interest rate of 5.25% per annum for the first five years. Thereafter, the interest rate will reset quarterly to an interest rate per annum equal to a benchmark rate (which is expected to be Three-Month Term SOFR) plus 513 basis points.
Carrying value of subordinated notes		$ 29,800	$ 29,700
Subordinated Notes \| SOFR
Debt Instrument [Line Items]
Debt instrument, interest rate plus basis point \| BasisPoint		513
Investment securities, FHLB stock and commercial and residential real estate mortgage loans
Debt Instrument [Line Items]
Federal Home Loan Bank Advances Collateralized Investment Securities Value		$ 20,300
Mortgage loans collateralized amount		721,000
Amount of available credit		$ 414,000

Short-Term Borrowings And Lon_4

Short-Term Borrowings And Long-Term Debt - Summary of Contractual Maturities and Average Effective Rates of Outstanding Advances (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Debt Disclosure [Abstract]
2023	$ 0	$ 15,000
2024	50,000	0
Total amount	$ 50,000	$ 15,000
2023	0%	4.33%
2024	5.17%	0%
Total interest rates	5.17%	4.33%

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) - Summary of Changes In Accumulated Other Comprehensive Income (Loss) By Component, Net of Tax (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	$ 354,182	$ 380,094	$ 343,486
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	0	0	0
Other comprehensive income (loss), net of tax	4,784	(48,782)	(8,998)
Ending balance	361,558	354,182	380,094
Unrealized Gains and Losses on Available for Sale Securities
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	(50,052)	(1,270)	7,728
Other comprehensive income before reclassification, net of tax	4,788	(48,776)	(8,977)
Amounts reclassified from accumulated other comprehensive income (loss), net of tax	(4)	(6)	(21)
Other comprehensive income (loss), net of tax	4,784	(48,782)	(8,998)
Ending balance	(45,268)	(50,052)	(1,270)
Accumulated Other Comprehensive Income (Loss)
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	(50,052)	(1,270)	7,728
Other comprehensive income (loss), net of tax	4,784	(48,782)	(8,998)
Ending balance	$ (45,268)	$ (50,052)	$ (1,270)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) - Summary of Significant Amounts Reclassified out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income On Derivatives [Line Items]
Net gain (loss) on sale of securities	$ 5	$ 8	$ 28
Interest expense - Federal Home Loan Bank advances	(2,944)	(862)	(12)
Income tax expense	(6,395)	(9,753)	(12,699)
Net income	29,804	39,017	48,677
Reclassification out of Accumulated Other Comprehensive Income \| Realized Gains and (Losses) on Available for Sale Securities
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income On Derivatives [Line Items]
Net gain (loss) on sale of securities	5	8	28
Income tax expense	(1)	(2)	(7)
Net income	$ 4	$ 6	$ 21

Accumulated Other Comprehensi_5

Accumulated Other Comprehensive Income (Loss) - (Additional Information) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Stockholders' Equity Note [Abstract]
Reclassification from AOCI, Current Period, Net of Tax, Attributable to Parent	$ 0	$ 0	$ 0

Income Taxes - Schedule of Comp

Income Taxes - Schedule of Components of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Current:
Federal	$ 6,290	$ 8,956	$ 12,174
State	17	327	732
Total Current tax expense (Benefit)	6,307	9,283	12,906
Deferred:
Federal	712	451	(158)
State	(624)	19	(49)
Total deferred tax expense (Benefit)	88	470	(207)
Total	$ 6,395	$ 9,753	$ 12,699

Income Taxes - Additional Infor

Income Taxes - Additional Information (Details) - USD ($)	12 Months Ended
Income Taxes - Additional Information (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Taxes [Line Items]
Federal statutory income tax rate	21%	21%	21%
CARES act of 2020, net operating loss carryback period				5 years
Unrecognized income tax benefits	$ 0	$ 0
Accrued penalties related to uncertain tax positions	0	$ 0
State and Local Jurisdiction
Income Taxes [Line Items]
Federal net operating loss carryforwards	400,000
Federal
Income Taxes [Line Items]
Federal net operating loss carryforwards	$ 1,000,000
Federal net operating loss carryforwards, start year	2030
Federal net operating loss carryforwards, end year	2043
Tennessee \| State and Local Jurisdiction
Income Taxes [Line Items]
Excise tax rate	6.50%

Income Taxes - Schedule of Reco

Income Taxes - Schedule of Reconciliation of Actual Income Tax Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Computed tax expense at statutory rate	$ 7,602	$ 10,242	$ 12,889
State income taxes, net of effect of federal income taxes	(480)	273	540
Tax-exempt interest income	(253)	(265)	(294)
Earnings on bank owned life insurance contracts	(828)	(629)	(384)
Disallowed expenses	147	61	66
Excess tax (benefit) expense related to stock compensation	6	(45)	(163)
Nondeductible acquisition related expenses	322	0	0
Federal tax credits	(709)	(421)	(57)
Amortization of investment in low-income housing credits	681	412	56
Other	(93)	125	46
Total	$ 6,395	$ 9,753	$ 12,699

Income Taxes - Schedule of Defe

Income Taxes - Schedule of Deferred Taxes (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deferred tax assets:
Allowance for loan losses	$ 6,332	$ 5,525
Net operating loss carryforward	578	317
Organization and preopening costs	0	56
Stock-based compensation	633	307
Acquired loans	478	673
Accrued contributions	116	336
Lease liability	2,658	(381)
Acquired deposits	28	95
Accrued compensation	708	1,001
Deferred loan fees	2,479	2,301
Unrealized loss on securities available-for-sale	16,619	18,285
Contingency reserve	702	82
Other	702	118
Deferred tax assets	32,033	28,715
Deferred tax liabilities:
Depreciation	1,616	1,609
Goodwill	777	624
Right of use asset	2,438	(428)
Partnership investments	1,777	826
Amortization of core deposit intangible	459	770
Other acquired assets	187	229
Other	722	456
Deferred tax liabilities	7,976	4,086
Net deferred tax asset	$ 24,057	$ 24,629

Commitments and Contingencies -

Commitments and Contingencies - Schedule of Financial Instruments Representing Credit Risk (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Unused commitments to extend credit	$ 988,464	$ 1,112,950
Standby letters of credit	7,742	7,288
Total	$ 996,206	$ 1,120,238

Commitments and Contingencies_2

Commitments and Contingencies - Additional Information (Details) - USD ($) $ in Millions	3 Months Ended
	Dec. 31, 2022	Sep. 30, 2022
Commitments and Contingencies Disclosure [Abstract]
Potential operational loss		$ 0.7
Reversal of expected operational loss	$ 0.7

Concentration of Credit Risk -

Concentration of Credit Risk - Additional Information (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Concentration Risk [Line Items]
Cash due from banks, federal funds sold and interest bearing deposits	$ 259,611	$ 135,305
Due from federal reserve	25,752	25,280
Federal reserve
Concentration Risk [Line Items]
Due from federal reserve	216,100	99,300
Excess Of Insured Limits
Concentration Risk [Line Items]
Cash due from banks, federal funds sold and interest bearing deposits	$ 259,600	$ 135,300

Regulatory Matters And Restri_3

Regulatory Matters And Restrictions On Dividends - Additional Information (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($) Capital	Dec. 31, 2022 USD ($)
Banking and Thrift, Interest [Abstract]
Number of capital categories \| Capital	5
Dividends	$ 74.6	$ 89.9
Dividends paid	$ 30.8	$ 14.1

Regulatory Matters And Restri_4

Regulatory Matters And Restrictions On Dividends - Schedule of Capital Amounts and Ratios (Details) $ in Thousands		Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
CapStar Financial Holdings, Inc.
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total capital to risk-weighted assets, actual amount		$ 416,556	$ 410,704
Tier I capital to risk-weighted assets, actual amount		363,377	356,913
Tier I capital to average assets, actual amount		$ 363,377	$ 356,913
Total capital to risk-weighted assets, actual ratio		0.1578	0.1451
Tier I capital to risk-weighted assets, actual ratio		0.1377	0.1261
Tier I capital to average assets, actual ratio		0.1122	0.114
Total capital to risk-weighted assets, minimum capital requirement amount	[1]	$ 210,505	$ 226,491
Tier I capital to risk-weighted assets, minimum capital requirement amount	[1]	157,879	169,868
Tier I capital to average assets, minimum capital requirement amount	[1]	$ 129,523	$ 125,202
Total capital to risk-weighted assets, minimum capital requirement ratio	[1]	0.08	0.08
Tier I capital to risk-weighted assets, minimum capital requirement ratio	[1]	0.06	0.06
Tier I capital to average assets, minimum capital requirement ratio	[1]	0.04	0.04
CapStar Financial Holdings, Inc. \| Common Stock
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Tier I capital to risk-weighted assets, actual amount		$ 363,377	$ 356,913
Tier I capital to risk-weighted assets, actual ratio		0.1377	0.1261
Tier I capital to risk-weighted assets, minimum capital requirement amount	[1]	$ 118,409	$ 127,401
Tier I capital to risk-weighted assets, minimum capital requirement ratio	[1]	0.045	0.045
CapStar Bank
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total capital to risk-weighted assets, actual amount		$ 406,099	$ 402,453
Tier I capital to risk-weighted assets, actual amount		382,720	378,328
Tier I capital to average assets, actual amount		$ 382,720	$ 378,328
Total capital to risk-weighted assets, actual ratio		0.154	0.1422
Tier I capital to risk-weighted assets, actual ratio		0.1452	0.1337
Tier I capital to average assets, actual ratio		0.1182	0.121
Total capital to risk-weighted assets, minimum capital requirement amount	[1]	$ 210,920	$ 226,407
Tier I capital to risk-weighted assets, minimum capital requirement amount	[1]	158,190	169,805
Tier I capital to average assets, minimum capital requirement amount	[1]	$ 129,467	$ 125,089
Total capital to risk-weighted assets, minimum capital requirement ratio	[1]	0.08	0.08
Tier I capital to risk-weighted assets, minimum capital requirement ratio	[1]	0.06	0.06
Tier I capital to average assets, minimum capital requirement ratio	[1]	0.04	0.04
Total capital to risk-weighted assets, minimum to be well capitalized amount	[2]	$ 263,651	$ 283,009
Tier I capital to risk-weighted assets, minimum to be well capitalized amount	[2]	210,920	226,407
Tier I capital to average assets, minimum to be well capitalized amount	[2]	$ 164,185	$ 156,361
Total capital to risk-weighted assets, minimum to be well capitalized ratio	[2]	0.10	0.10
Tier I capital to risk-weighted assets, minimum to be well capitalized ratio	[2]	0.08	0.08
Tier I capital to average assets, minimum to be well capitalized ratio	[2]	0.05	0.05
CapStar Bank \| Common Stock
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Tier I capital to risk-weighted assets, actual amount		$ 366,220	$ 361,828
Tier I capital to risk-weighted assets, actual ratio		0.1389	0.1279
Tier I capital to risk-weighted assets, minimum capital requirement amount	[1]	$ 118,643	$ 127,354
Tier I capital to risk-weighted assets, minimum capital requirement ratio	[1]	0.045	0.045
Tier I capital to risk-weighted assets, minimum to be well capitalized amount	[2]	$ 171,373	$ 183,956
Tier I capital to risk-weighted assets, minimum to be well capitalized ratio	[2]	0.065	0.065

[1] For the calendar years 2023 and 2022, the Company was required to maintain a capital conservation buffer of Tier 1 common equity capital in excess of minimum risk-based capital ratios by at least 2.5 % to avoid limits on capital distributions and certain discretionary bonus payments to executive officers and similar employees. For the Company to be well-capitalized, the Bank must be well-capitalized and the Company must not be subject to any written agreement, order, capital directive, or prompt corrective action directive issued by the Federal Reserve to meet and maintain a specific capital level for any capital measure.

Regulatory Matters And Restri_5

Regulatory Matters And Restrictions On Dividends - Schedule of Capital Amounts and Ratios (Parenthetical) (Details)	Dec. 31, 2023	Dec. 31, 2022
Banking and Thrift, Interest [Abstract]
Minimum risk based capital ratios	0.25	0.25

Stock Options and Restricted _3

Stock Options and Restricted Shares - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Options granted	0	0	0
Time-Vested Restricted Stock Units and Performance Stock Units
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting period	2 years
Performance Stock Units
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting period	3 years
Restricted Shares
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Total unrecognized compensation cost	$ 1.2
Cost expected to be recognized over a weighted-average period	1 year 8 months 12 days
Total fair value of shares vested	$ 0.6	$ 1	$ 1.7
Employee Stock Option
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting period	3 years
Contractual term	10 years
Minimum \| Time-Vested Restricted Stock Units and Performance Stock Units
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting period	1 year
Minimum \| Performance Stock Units
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Awards earning percentage	0%
Maximum \| Time-Vested Restricted Stock Units and Performance Stock Units
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting period	3 years
Maximum \| Performance Stock Units
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Awards earning percentage	188%
CapStar Bank 2008 Stock Incentive Plan
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Shares of stock reserved for issuance of stock incentives	1,168,543
Shares issuable under both restricted share and stock option grants	1,046,291

Stock Options and Restricted _4

Stock Options and Restricted Shares - Summary of Company Recognized Stock-Based Compensation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-Based Payment Arrangement [Abstract]
Stock-based compensation expense before income taxes	$ 1,677	$ 1,355	$ 1,600
Less: deferred tax benefit	(438)	(354)	(418)
Reduction of net income	$ 1,239	$ 1,001	$ 1,182

Stock Options and Restricted _5

Stock Options and Restricted Shares - Summary of Changes in Company's Nonvested Stock Awards (Details) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Restricted Shares, Abstract
Restricted Shares, Nonvested Beginning Balance	170,426	177,020	148,414
Restricted Shares, Granted	116,941	92,212	143,591
Restricted Shares, Vested	(39,434)	(58,637)	(91,763)
Restricted Shares, Forfeited	(44,770)	(40,169)	(23,222)
Restricted Shares, Nonvested Ending Balance	203,163	170,426	177,020
Weighted Average Grant Date Fair Value, Abstract
Weighted Average Grant Date Fair Value, Nonvested Beginning Balance	$ 16.76	$ 14	$ 14.39
Weighted Average Grant Date Fair Value, Granted	17.75	21.22	14.84
Weighted Average Grant Date Fair Value, Vested	14.51	16.34	14.99
Weighted Average Grant Date Fair Value, Forfeited	15.17	15.35	14.52
Weighted Average Grant Date Fair Value, Nonvested Ending Balance	$ 17.57	$ 16.76	$ 14

Stock Options and Restricted _6

Stock Options and Restricted Shares - Summary of Activity in Stock Options (Details) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Shares, Abstract
Shares Outstanding, Beginning Balance	124,445	130,245	226,589
Shares Outstanding, Granted	0	0	0
Shares Outstanding, Exercised	(31,458)	(5,800)	(96,344)
Shares Outstanding, Forfeited or Expired	(122)		0
Shares Outstanding, Ending Balance	92,865	124,445	130,245
Shares, Fully Vested and Expected to Vest	92,865	124,445	130,245
Shares, Exercisable at End of Period	92,865	124,445	113,578
Weighted Average Exercise Price, Abstract
Weighted Average Exercise Price Outstanding, Beginning Balance	$ 12.11	$ 11.96	$ 11.73
Weighted Average Exercise Price Outstanding, Granted	0	0	0
Weighted Average Exercise Price Outstanding, Exercised	8.79	8.79	11.41
Weighted Average Exercise Price Outstanding, Forfeited or expired	8.79	8.79	0
Weighted Average Exercise Price Outstanding, Ending Balance	13.24	12.11	11.96
Weighted Average Exercise Price, Fully vested and expected to vest	13.24	12.11	11.96
Weighted Average Exercise Price, Exercisable at End of Period	$ 13.24	$ 12.11	$ 11.54
Weighted Average Remaining Contractual Term (year), Abstract
Weighted Average Remaining Contractual Term Outstanding	3 years 8 months 12 days	4 years	4 years 10 months 24 days
Weighted Average Remaining Contractual Term, Fully Vested and Expected to Vest	3 years 8 months 12 days	4 years	4 years 10 months 24 days
Weighted Average Remaining Contractual Term, Exercisable at End of Period	3 years 8 months 12 days	4 years	4 years 6 months

Stock Options and Restricted _7

Stock Options and Restricted Shares - Information Related to Stock Options (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-Based Payment Arrangement [Abstract]
Intrinsic value of options exercised	$ 162,330	$ 71,340	$ 821,174
Cash received from option exercises	276,516	50,982	1,077,489
Tax benefit realized from option exercises	$ 42,206	$ 18,648	$ 148,312
Weighted average fair value of options granted	$ 0	$ 0	$ 0

Employee Benefit Plans- Additio

Employee Benefit Plans- Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Retirement Benefits [Abstract]
Annual contribution percentage	3%
Additional discretionary contribution of employees' salary percentage	6%
Company's contribution to 401(k) Plan	$ 1	$ 1	$ 1

Derivative Instruments - Additi

Derivative Instruments - Additional Information (Details) - Designated as Hedging Instrument - Interest Rate Swaps - Cash Flow Hedges - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments [Line Items]
Notional amount	$ 0	$ 0	$ 0
Unrealized gains or losses in accumulated other comprehensive income	$ 0	$ 0

Derivative Instruments - Summar

Derivative Instruments - Summary of Customer Related Interest Rate Swaps (Details) - Interest Rate Swaps - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments [Line Items]
Notional	$ 60,268,000	$ 71,282,000
Estimated	0	0
Pay fixed/receive variable swaps
Derivative Instruments [Line Items]
Notional	30,134,000	35,641,000
Estimated	1,560,000	(2,343,000)
Pay variable/receive fixed swaps
Derivative Instruments [Line Items]
Notional	30,134,000	35,641,000
Estimated	$ (1,560,000)	$ 2,343,000

Derivative Instruments - Summ_2

Derivative Instruments - Summary of Net Gains (Losses) Relating to Mortgage Banking Derivative Instruments Included in Mortgage Banking Income (Details) - Mortgage Banking Derivative Instruments - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments [Line Items]
Net gains (losses) relating to mortgage banking derivative instruments	$ 108	$ 503	$ (1,445)
Mortgage Loan Interest Rate Lock Commitments
Derivative Instruments [Line Items]
Net gains (losses) relating to mortgage banking derivative instruments	279	690	(1,911)
Mortgage-Backed Securities Forward Sales Commitments
Derivative Instruments [Line Items]
Net gains (losses) relating to mortgage banking derivative instruments	$ (171)	$ (187)	$ 466

Derivative Instruments - Summ_3

Derivative Instruments - Summary of Amount and Fair Value of Mortgage Banking Derivative Instruments Included in Consolidated Balance Sheets (Details) - Other Assets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Mortgage Loan Interest Rate Lock Commitments
Derivative Instruments [Line Items]
Notional amount, assets	$ 12,218	$ 19,413
Estimated fair value, asset	285	6
Mortgage-Backed Securities Forward Sales Commitments
Derivative Instruments [Line Items]
Notional amount, liabilities	14,500	12,500
Estimated fair value, liabilities	$ 0	$ 27

Related Party - Additional Info

Related Party - Additional Information (Details) - USD ($)	12 Months Ended
Related Party - Additional Information (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Related Party Transaction [Line Items]
Impairment of loans	$ 0	$ 0
Directors Executive Officers, Shareholders and Affiliates
Related Party Transaction [Line Items]
Deposit from related parties	$ 51,700,000	$ 30,900,000

Related Party - Schedule of Rel

Related Party - Schedule of Related Party Transactions Activity within Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Total Commitment
Related Party Transaction [Line Items]
Beginning of period	$ 52,763	$ 10,577
New commitments/draw downs	15,000	42,625
Repayments	(7,591)	(439)
End of period	60,172	52,763
Total Funded Commitment
Related Party Transaction [Line Items]
Beginning of period	33,305	8,538
New commitments/draw downs	14,677	24,871
Repayments	(7,976)	(104)
End of period	$ 40,006	$ 33,305

Fair Value - Additional Informa

Fair Value - Additional Information (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Other real estate owned	$ 0	$ 0

Fair Value - Summary of Assets

Fair Value - Summary of Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets:
Securities available-for-sale, at fair value net of allowance for credit losses of $2,000 and $0 at December 31, 2023 and 2022, respectively	$ 359,320	$ 396,416
Loans held for sale carried at fair value	$ 10,287	12,636
Derivative liabilities:
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities
U. S. government agency securities
Assets:
Securities available-for-sale, at fair value net of allowance for credit losses of $2,000 and $0 at December 31, 2023 and 2022, respectively	$ 11,604	12,902
State and municipal securities
Assets:
Securities available-for-sale, at fair value net of allowance for credit losses of $2,000 and $0 at December 31, 2023 and 2022, respectively	68,052	68,312
Asset-backed securities
Assets:
Securities available-for-sale, at fair value net of allowance for credit losses of $2,000 and $0 at December 31, 2023 and 2022, respectively	3,146	3,270
Other debt securities
Assets:
Securities available-for-sale, at fair value net of allowance for credit losses of $2,000 and $0 at December 31, 2023 and 2022, respectively	56,453	67,104
Significant Unobservable Inputs (Level 3) \| Interest Rate Lock Commitments [Member] \| Non designated
Derivative assets:
Loan, Mortgage, Held-for-Sale, Fair Value Disclosure	285	6
Fair Value Measurements Recurring Basis
Assets:
Loans held for sale carried at fair value	10,287	12,636
Fair Value Measurements Recurring Basis \| U. S. government agency securities
Assets:
Loans held for sale carried at fair value	11,604	12,902
Fair Value Measurements Recurring Basis \| State and municipal securities
Assets:
Loans held for sale carried at fair value	68,052	68,312
Fair Value Measurements Recurring Basis \| Mortgage-backed Securities-residential
Assets:
Loans held for sale carried at fair value	220,065	244,828
Fair Value Measurements Recurring Basis \| Asset-backed securities
Assets:
Loans held for sale carried at fair value	3,146	3,270
Fair Value Measurements Recurring Basis \| Other debt securities
Assets:
Loans held for sale carried at fair value	56,453	67,104
Fair Value Measurements Recurring Basis \| Forward Sales Commitments \| Non designated
Derivative liabilities:
Derivative Liabilities - customer related	1,560	2,343
Mortgage-backed securities forward sales commitments, asset		27
Fair Value Measurements Recurring Basis \| Interest Rate Lock Commitments [Member] \| Non designated
Derivative assets:
Loan, Mortgage, Held-for-Sale, Fair Value Disclosure	285	6
Fair Value Measurements Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Assets:
Loans held for sale carried at fair value	0
Fair Value Measurements Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| U. S. government agency securities
Assets:
Loans held for sale carried at fair value	0	0
Fair Value Measurements Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| State and municipal securities
Assets:
Loans held for sale carried at fair value	0	0
Fair Value Measurements Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Mortgage-backed Securities-residential
Assets:
Loans held for sale carried at fair value	0	0
Fair Value Measurements Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Asset-backed securities
Assets:
Loans held for sale carried at fair value	0	0
Fair Value Measurements Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Other debt securities
Assets:
Loans held for sale carried at fair value	0	0
Fair Value Measurements Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Forward Sales Commitments \| Non designated
Derivative liabilities:
Derivative Liabilities - customer related	0	0
Mortgage-backed securities forward sales commitments, asset		0
Fair Value Measurements Recurring Basis \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Interest Rate Lock Commitments [Member] \| Non designated
Derivative assets:
Loan, Mortgage, Held-for-Sale, Fair Value Disclosure	0	0
Fair Value Measurements Recurring Basis \| Significant Other Observable Inputs (Level 2)
Assets:
Loans held for sale carried at fair value	10,287	12,636
Fair Value Measurements Recurring Basis \| Significant Other Observable Inputs (Level 2) \| U. S. government agency securities
Assets:
Loans held for sale carried at fair value	11,604	12,902
Fair Value Measurements Recurring Basis \| Significant Other Observable Inputs (Level 2) \| State and municipal securities
Assets:
Loans held for sale carried at fair value	68,052	68,312
Fair Value Measurements Recurring Basis \| Significant Other Observable Inputs (Level 2) \| Mortgage-backed Securities-residential
Assets:
Loans held for sale carried at fair value	220,065	244,828
Fair Value Measurements Recurring Basis \| Significant Other Observable Inputs (Level 2) \| Asset-backed securities
Assets:
Loans held for sale carried at fair value	3,146	3,270
Fair Value Measurements Recurring Basis \| Significant Other Observable Inputs (Level 2) \| Other debt securities
Assets:
Loans held for sale carried at fair value	56,453	67,104
Fair Value Measurements Recurring Basis \| Significant Other Observable Inputs (Level 2) \| Forward Sales Commitments \| Non designated
Derivative liabilities:
Derivative Liabilities - customer related	1,560	2,343
Mortgage-backed securities forward sales commitments, asset		27
Fair Value Measurements Recurring Basis \| Significant Other Observable Inputs (Level 2) \| Interest Rate Lock Commitments [Member] \| Non designated
Derivative assets:
Loan, Mortgage, Held-for-Sale, Fair Value Disclosure		0
Fair Value Measurements Recurring Basis \| Significant Unobservable Inputs (Level 3)
Assets:
Loans held for sale carried at fair value	0
Fair Value Measurements Recurring Basis \| Significant Unobservable Inputs (Level 3) \| U. S. government agency securities
Assets:
Loans held for sale carried at fair value	0	0
Fair Value Measurements Recurring Basis \| Significant Unobservable Inputs (Level 3) \| State and municipal securities
Assets:
Loans held for sale carried at fair value	0	0
Fair Value Measurements Recurring Basis \| Significant Unobservable Inputs (Level 3) \| Mortgage-backed Securities-residential
Assets:
Loans held for sale carried at fair value	0	0
Fair Value Measurements Recurring Basis \| Significant Unobservable Inputs (Level 3) \| Asset-backed securities
Assets:
Loans held for sale carried at fair value	0	0
Fair Value Measurements Recurring Basis \| Significant Unobservable Inputs (Level 3) \| Other debt securities
Assets:
Loans held for sale carried at fair value	0	0
Fair Value Measurements Recurring Basis \| Significant Unobservable Inputs (Level 3) \| Forward Sales Commitments \| Non designated
Derivative liabilities:
Derivative Liabilities - customer related	0	0
Mortgage-backed securities forward sales commitments, asset		0
Fair Value Measurements Recurring Basis \| Significant Unobservable Inputs (Level 3) \| Interest Rate Lock Commitments [Member] \| Non designated
Derivative assets:
Loan, Mortgage, Held-for-Sale, Fair Value Disclosure	285	6
Fair Value Measurements Recurring Basis \| Customer Related \| Non designated
Derivative assets:
Interest rate swaps - customer related	1,560	2,343
Fair Value Measurements Recurring Basis \| Customer Related \| Quoted Prices in Active Markets for Identical Assets (Level 1) \| Non designated
Derivative assets:
Interest rate swaps - customer related	0	0
Fair Value Measurements Recurring Basis \| Customer Related \| Significant Other Observable Inputs (Level 2) \| Non designated
Derivative assets:
Interest rate swaps - customer related	1,560	2,343
Fair Value Measurements Recurring Basis \| Customer Related \| Significant Unobservable Inputs (Level 3) \| Non designated
Derivative assets:
Interest rate swaps - customer related	$ 0	$ 0

Fair Value - Reconciliation of

Fair Value - Reconciliation of Assets Measured at Fair Value on Recurring Basis using Significant Unobservable Inputs (Level 3) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Fair Value Assets Measured On Recurring Basis Unobservable Input Reconciliation [Line Items]
Fair Value, Net Derivative Asset (Liability), Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Mortgage Banking Non Interest Income	Mortgage Banking Non Interest Income
Mortgage Loan Interest Rate Lock Commitments \| Significant Unobservable Inputs (Level 3) \| Fair Value Measurements Recurring Basis
Fair Value Assets Measured On Recurring Basis Unobservable Input Reconciliation [Line Items]
Balance of recurring Level 3 assets at January 1st	$ 6	$ 696
Included in mortgage banking income	279	(690)
Balance of recurring Level 3 assets at December 31st	$ 285	$ 6

Fair Value - Summary of Asset_2

Fair Value - Summary of Assets Measured at Fair Value on a Nonrecurring Basis (Details) - Fair Value, Nonrecurring - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Commercial real estate - non-owner occupied
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Individually evaluated loans	$ 152
Commercial and industrial
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Individually evaluated loans	384
Impaired loans		$ 3,169
Quoted Prices in Active Markets for Identical Assets (Level 1) \| Commercial real estate - non-owner occupied
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Individually evaluated loans	0
Quoted Prices in Active Markets for Identical Assets (Level 1) \| Commercial and industrial
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Individually evaluated loans	0
Impaired loans		0
Significant Other Observable Inputs (Level 2) \| Commercial real estate - non-owner occupied
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Individually evaluated loans	0
Significant Other Observable Inputs (Level 2) \| Commercial and industrial
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Individually evaluated loans	0
Impaired loans		0
Significant Unobservable Inputs (Level 3) \| Commercial real estate - non-owner occupied
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Individually evaluated loans	152
Significant Unobservable Inputs (Level 3) \| Commercial and industrial
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Individually evaluated loans	$ 384
Impaired loans		$ 3,169

Fair Value - Summary of Quantit

Fair Value - Summary of Quantitative Information About Level 3 Fair Value Measurements on Recurring and Non-recurring Basis (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Commercial and industrial \| Fair Value, Nonrecurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Individually evaluated loans	$ 384
Impaired loans		$ 3,169
Significant Unobservable Inputs (Level 3) \| Commercial and industrial \| Fair Value, Nonrecurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Individually evaluated loans	384
Impaired loans		3,169
Significant Unobservable Inputs (Level 3) \| Commercial and industrial \| Fair Value, Nonrecurring \| Income Approach
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Individually evaluated loans	$ 384	$ 100
Valuation Technique(s)	Income approach	Income approach
Unobservable Input(s)	Fair value discount	Fair value discount
Unobservable inputs range	0.10	0.09
Significant Unobservable Inputs (Level 3) \| Commercial and industrial \| Fair Value, Nonrecurring \| Sales Comparison Approach
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Individually evaluated loans		$ 3,069
Valuation Technique(s)		Sales comparison approach
Unobservable Input(s)		Appraisal discounts
Unobservable inputs range		0.10
Significant Unobservable Inputs (Level 3) \| Commercial real estate - non-owner occupied \| Fair Value, Nonrecurring \| Income Approach
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Individually evaluated loans	$ 152
Valuation Technique(s)	Income approach
Unobservable Input(s)	Fair value discount
Unobservable inputs range	0.10
Significant Unobservable Inputs (Level 3) \| Mortgage Loan Interest Rate Lock Commitments \| Non designated
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Loan, Mortgage, Held-for-Sale, Fair Value Disclosure	$ 285	$ 6
Valuation Technique(s)	Consensus pricing	Consensus pricing
Unobservable Input(s)	Origination pull-through rate	Origination pull-through rate
Significant Unobservable Inputs (Level 3) \| Mortgage Loan Interest Rate Lock Commitments \| Non designated \| Minimum
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Unobservable inputs range	0.80	0.80
Significant Unobservable Inputs (Level 3) \| Mortgage Loan Interest Rate Lock Commitments \| Non designated \| Maximum
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Unobservable inputs range	1	1
Significant Unobservable Inputs (Level 3) \| Mortgage Loan Interest Rate Lock Commitments \| Non designated \| Weighted Average
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Unobservable inputs range	(0.95)	(0.94)

Fair Value - Summary of Carryin

Fair Value - Summary of Carrying Value and Fair Values of the Company's Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financial assets:
Securities available-for-sale, at fair value net of allowance for credit losses of $2,000 and $0 at December 31, 2023 and 2022, respectively	$ 359,320	$ 396,416
Securities held to maturity, fair value	0	1,240
Loans held for sale carried at fair value	10,287	12,636
Carrying amount
Financial assets:
Cash and due from banks, interest-bearing deposits in financial institutions	249,611	130,838
Federal funds sold	10,000	4,467
Securities available-for-sale, at fair value net of allowance for credit losses of $2,000 and $0 at December 31, 2023 and 2022, respectively	359,320	396,416
Securities held to maturity, fair value	0	1,240
Loans held for sale carried at fair value	32,264	44,708
Restricted equity securities	13,334	16,632
Loans held for investment	2,269,746	2,312,798
Accrued interest receivable	12,588	10,511
Other assets	92,408	93,230
Financial liabilities:
Deposits	2,662,252	2,679,819
Subordinated notes and Federal Home Loan bank advances and other borrowings	79,800	44,666
Other liabilities	9,216	4,605
Fair value \| Level 1
Financial assets:
Cash and due from banks, interest-bearing deposits in financial institutions	249,611	130,838
Federal funds sold	10,000	4,467
Fair value \| Level 2
Financial assets:
Securities available-for-sale, at fair value net of allowance for credit losses of $2,000 and $0 at December 31, 2023 and 2022, respectively	359,320	396,416
Securities held to maturity, fair value	0	1,240
Loans held for sale carried at fair value	33,937	46,585
Accrued interest receivable	12,588	10,511
Financial liabilities:
Deposits	2,422,383	2,659,822
Subordinated notes and Federal Home Loan bank advances and other borrowings	79,768	43,831
Fair value \| Level 3
Financial assets:
Loans held for investment	2,178,502	2,265,617
Financial liabilities:
Other liabilities	9,216	4,605
Fair value \| Level 2 / Level 3
Financial assets:
Other assets	$ 92,408	$ 93,230

Parent Company Only Financial_3

Parent Company Only Financial Information - Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Assets
Other assets	$ 151,971	$ 152,441
Total assets	3,142,175	3,117,169
Liabilities and Shareholders’ Equity
Subordinated notes	29,800	29,666
Other liabilities	38,565	38,502
Total shareholders’ equity	361,558	354,182	$ 380,094	$ 343,486
Total liabilities and shareholders’ equity	3,142,175	3,117,169
CapStar Financial Holdings, Inc.
Assets
Cash and cash equivalents	9,650	7,346
Investment in consolidated subsidiary	380,900	375,596
Other assets	1,187	932
Total assets	391,737	383,874
Liabilities and Shareholders’ Equity
Subordinated notes	29,800	29,666
Other liabilities	379	26
Total shareholders’ equity	361,558	354,182
Total liabilities and shareholders’ equity	$ 391,737	$ 383,874

Parent Company Only Financial_4

Parent Company Only Financial Information - Condensed Income Statements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income tax expense	$ 6,395	$ 9,753	$ 12,699
Net income	29,804	39,017	48,677
CapStar Financial Holdings, Inc.
Income - dividends from subsidiary	30,830	14,100	5,150
Interest expense subordinated debt	1,575	1,575	1,575
Other expenses	2,604	884	954
Income(loss) before income taxes and equity in undistributed net income of subsidiary	26,651	11,641	2,621
Income tax expense	(676)	(651)	(645)
Income before equity in undistributed net income of subsidiary	27,327	12,292	3,266
Equity in undistributed net income of subsidiary	2,477	26,725	45,411
Net income	$ 29,804	$ 39,017	$ 48,677

Parent Company Only Financial_5

Parent Company Only Financial Information - Condensed Statements of Cash Flow (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Cash flows from operating activities:
Net Income (Loss)	$ 29,804	$ 39,017	$ 48,677
Adjustments to reconcile net income to net cash used in operating activities:
Net cash provided by (used in) operating activities	44,358	(23,717)	116,364
Cash flows from investing activities:
Net cash provided by (used in) investing activities	87,960	(249,139)	(80,287)
Cash flows from financing activities:
Repurchase of common stock	(16,447)	(9,574)	(462)
Net cash provided by (used in) financing activities	(8,012)	(6,964)	101,609
Net increase (decrease) in cash and cash equivalents	124,306	(279,820)	137,686
Cash and cash equivalents at beginning of period	135,305	415,125	277,439
Cash and cash equivalents at end of period	259,611	135,305	415,125
CapStar Financial Holdings, Inc.
Cash flows from operating activities:
Net Income (Loss)	29,804	39,017	48,677
Adjustments to reconcile net income to net cash used in operating activities:
Changes in other assets and liabilities	(30,408)	(13,594)	(4,871)
Equity in undistributed net income of subsidiary	(2,477)	(26,725)	(45,411)
Net cash provided by (used in) operating activities	(3,081)	(1,302)	(1,605)
Cash flows from investing activities:
Dividends received from CapStar Bank	30,830	14,100	5,150
Net cash provided by (used in) investing activities	30,830	14,100	(5,150)
Cash flows from financing activities:
Issuance of subordinated debt	0	0	0
Repurchase of common stock	(16,447)	(9,574)	(462)
Exercise of common stock options and warrants	85	(79)	858
Common stock dividends paid	(9,083)	(7,849)	(5,067)
Net cash provided by (used in) financing activities	(25,445)	(17,502)	(4,671)
Net increase (decrease) in cash and cash equivalents	2,304	(4,704)	(1,126)
Cash and cash equivalents at beginning of period	7,346	12,050	13,176
Cash and cash equivalents at end of period	$ 9,650	$ 7,346	$ 12,050