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Allowance for Credit Losses | 9 Months Ended
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Sep. 30, 2023
Allowance for Credit Losses |
Allowance for Credit Losses | 4. Allowance for Credit Losses ​ The Company maintains the ACL that is deducted from the amortized cost basis of loans and leases to present the net carrying value of loans and leases expected to be collected. The measurement of expected credit losses is based on relevant information about past events, including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectibility of the reported amount of loans and leases. While management utilizes its best judgment and information available, the ultimate appropriateness of the ACL is dependent upon a variety of factors beyond our control, including the performance of our loan portfolio, the economy, changes in interest rates and the view of the regulatory authorities toward loan classifications. The Company’s methodology is more fully described in our Annual Report on Form 10-K for the year ended December 31, 2022. ​ The Company also maintains an estimated reserve for unfunded commitments on the unaudited interim consolidated balance sheets. The reserve for unfunded commitments is reduced in the period in which the off-balance sheet financial instruments expire, loan funding occurs, or is otherwise settled. ​ Rollforward of the Allowance for Credit Losses ​ The following presents the activity in the ACL by class of loans and leases for the three and nine months ended September 30, 2023 and 2022: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended September 30, 2023
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Total
Allowance for credit losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 13,810 | ​ | $ | 39,887 | ​ | $ | 9,871 | ​ | $ | 1,447 | ​ | $ | 32,803 | ​ | $ | 11,806 | ​ | $ | 38,957 | ​ | $ | 148,581
Charge-offs | ​ | ​ | (784) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (3,665) | ​ | ​ | (4,449)
Recoveries | ​ | ​ | 2,637 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 53 | ​ | ​ | 303 | ​ | ​ | 1,746 | ​ | ​ | 4,739
Provision | ​ | ​ | (1,963) | ​ | ​ | 3,911 | ​ | ​ | 333 | ​ | ​ | 263 | ​ | ​ | 4,143 | ​ | ​ | (682) | ​ | ​ | (81) | ​ | ​ | 5,924
Balance at end of period | ​ | $ | 13,700 | ​ | $ | 43,798 | ​ | $ | 10,204 | ​ | $ | 1,710 | ​ | $ | 36,999 | ​ | $ | 11,427 | ​ | $ | 36,957 | ​ | $ | 154,795
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nine Months Ended September 30, 2023
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Total
Allowance for credit losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 14,564 | ​ | $ | 43,810 | ​ | $ | 5,843 | ​ | $ | 1,551 | ​ | $ | 35,175 | ​ | $ | 8,296 | ​ | $ | 34,661 | ​ | $ | 143,900
Charge-offs | ​ | ​ | (2,572) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (122) | ​ | ​ | (272) | ​ | ​ | (12,963) | ​ | ​ | (15,929)
Recoveries | ​ | ​ | 3,175 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 110 | ​ | ​ | 539 | ​ | ​ | 5,640 | ​ | ​ | 9,464
Provision | ​ | ​ | (1,467) | ​ | ​ | (12) | ​ | ​ | 4,361 | ​ | ​ | 159 | ​ | ​ | 1,836 | ​ | ​ | 2,864 | ​ | ​ | 9,619 | ​ | ​ | 17,360
Balance at end of period | ​ | $ | 13,700 | ​ | ​ | 43,798 | ​ | $ | 10,204 | ​ | $ | 1,710 | ​ | $ | 36,999 | ​ | $ | 11,427 | ​ | $ | 36,957 | ​ | $ | 154,795
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended September 30, 2022
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Total
Allowance for credit losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 15,924 | ​ | $ | 44,726 | ​ | $ | 5,367 | ​ | $ | 1,398 | ​ | $ | 33,635 | ​ | $ | 4,734 | ​ | $ | 43,158 | ​ | $ | 148,942
Charge-offs | ​ | ​ | (328) | ​ | ​ | (750) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (1) | ​ | ​ | — | ​ | ​ | (3,986) | ​ | ​ | (5,065)
Recoveries | ​ | ​ | 240 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 37 | ​ | ​ | 356 | ​ | ​ | 1,653 | ​ | ​ | 2,286
Provision | ​ | ​ | (703) | ​ | ​ | 416 | ​ | ​ | (643) | ​ | ​ | 235 | ​ | ​ | 248 | ​ | ​ | 164 | ​ | ​ | 2,283 | ​ | ​ | 2,000
Balance at end of period | ​ | $ | 15,133 | ​ | $ | 44,392 | ​ | $ | 4,724 | ​ | $ | 1,633 | ​ | $ | 33,919 | ​ | $ | 5,254 | ​ | $ | 43,108 | ​ | $ | 148,163
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nine Months Ended September 30, 2022
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Total
Allowance for credit losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 20,080 | ​ | $ | 42,951 | ​ | $ | 9,773 | ​ | $ | 1,659 | ​ | $ | 34,364 | ​ | $ | 5,642 | ​ | $ | 42,793 | ​ | $ | 157,262
Charge-offs | ​ | ​ | (1,277) | ​ | ​ | (750) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (1) | ​ | ​ | (1,163) | ​ | ​ | (11,754) | ​ | ​ | (14,945)
Recoveries | ​ | ​ | 594 | ​ | ​ | 14 | ​ | ​ | — | ​ | ​ | 60 | ​ | ​ | 245 | ​ | ​ | 575 | ​ | ​ | 5,741 | ​ | ​ | 7,229
Provision | ​ | ​ | (4,264) | ​ | ​ | 2,177 | ​ | ​ | (5,049) | ​ | ​ | (86) | ​ | ​ | (689) | ​ | ​ | 200 | ​ | ​ | 6,328 | ​ | ​ | (1,383)
Balance at end of period | ​ | $ | 15,133 | ​ | $ | 44,392 | ​ | $ | 4,724 | ​ | $ | 1,633 | ​ | $ | 33,919 | ​ | $ | 5,254 | ​ | $ | 43,108 | ​ | $ | 148,163
​ Rollforward of the Reserve for Unfunded Commitments ​ The following presents the activity in the Reserve for Unfunded Commitments for the three and nine months ended September 30, 2023 and 2022: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended September 30, 2023
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Total
Reserve for unfunded commitments: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 6,354 | ​ | $ | 1,991 | ​ | $ | 9,789 | ​ | $ | — | ​ | $ | 19 | ​ | $ | 18,015 | ​ | $ | 31 | ​ | $ | 36,199
Provision | ​ | ​ | 3,577 | ​ | ​ | (129) | ​ | ​ | (382) | ​ | ​ | — | ​ | ​ | (6) | ​ | ​ | (1,475) | ​ | ​ | (9) | ​ | ​ | 1,576
Balance at end of period | ​ | $ | 9,931 | ​ | $ | 1,862 | ​ | $ | 9,407 | ​ | $ | — | ​ | $ | 13 | ​ | $ | 16,540 | ​ | $ | 22 | ​ | $ | 37,775
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nine Months Ended September 30, 2023
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Total
Reserve for unfunded commitments: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 7,811 | ​ | $ | 2,004 | ​ | $ | 7,470 | ​ | $ | — | ​ | $ | 30 | ​ | $ | 16,483 | ​ | $ | 37 | ​ | $ | 33,835
Provision | ​ | ​ | 2,120 | ​ | ​ | (142) | ​ | ​ | 1,937 | ​ | ​ | — | ​ | ​ | (17) | ​ | ​ | 57 | ​ | ​ | (15) | ​ | ​ | 3,940
Balance at end of period | ​ | $ | 9,931 | ​ | $ | 1,862 | ​ | $ | 9,407 | ​ | $ | — | ​ | $ | 13 | ​ | $ | 16,540 | ​ | $ | 22 | ​ | $ | 37,775
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended September 30, 2022
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Total
Reserve for unfunded commitments: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 7,640 | ​ | $ | 3,750 | ​ | $ | 6,084 | ​ | $ | — | ​ | $ | 32 | ​ | $ | 11,423 | ​ | $ | 29 | ​ | $ | 28,958
Provision | ​ | ​ | 478 | ​ | ​ | (1,397) | ​ | ​ | 630 | ​ | ​ | — | ​ | ​ | (4) | ​ | ​ | 1,473 | ​ | ​ | 3 | ​ | ​ | 1,183
Balance at end of period | ​ | $ | 8,118 | ​ | $ | 2,353 | ​ | $ | 6,714 | ​ | $ | — | ​ | $ | 28 | ​ | $ | 12,896 | ​ | $ | 32 | ​ | $ | 30,141
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nine Months Ended September 30, 2022
​ | ​ | Commercial Lending | ​ | Residential Lending | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Home | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | and | ​ | Real | ​ | ​ | ​ | Lease | ​ | Residential | ​ | Equity | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) |  | Industrial |  | Estate |  | Construction |  | Financing |  | Mortgage |  | Line |  | Consumer |  | Total
Reserve for unfunded commitments: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance at beginning of period | ​ | $ | 8,615 | ​ | $ | 2,114 | ​ | $ | 8,963 | ​ | $ | — | ​ | $ | 15 | ​ | $ | 10,546 | ​ | $ | 69 | ​ | $ | 30,322
Provision | ​ | ​ | (497) | ​ | ​ | 239 | ​ | ​ | (2,249) | ​ | ​ | — | ​ | ​ | 13 | ​ | ​ | 2,350 | ​ | ​ | (37) | ​ | ​ | (181)
Balance at end of period | ​ | $ | 8,118 | ​ | $ | 2,353 | ​ | $ | 6,714 | ​ | $ | — | ​ | $ | 28 | ​ | $ | 12,896 | ​ | $ | 32 | ​ | $ | 30,141
​ Credit Quality Information ​ The Company performs an internal loan review and grading or scoring procedures on an ongoing basis. The review provides management with periodic information as to the quality of the loan portfolio and effectiveness of the Company’s lending policies and procedures. The objective of the loan review and grading or scoring procedures is to identify, in a timely manner, existing or emerging credit quality issues so that appropriate steps can be initiated to avoid or minimize future losses. ​ Loans and leases subject to grading primarily include: commercial and industrial loans, commercial real estate loans, construction loans and lease financing. Other loans subject to grading include installment loans to businesses or individuals for business and commercial purposes, overdraft lines of credit, commercial credit cards, and other credits as may be determined. Credit quality indicators for internally graded loans and leases are generally updated on an annual basis or on a quarterly basis for those loans and leases deemed to be of potentially higher risk. ​ An internal credit risk rating system is used to determine loan grade and is based on borrower credit risk and transactional risk. The loan grading process is a mechanism used to determine the risk of a particular borrower and is based on the following factors of a borrower: character, earnings and operating cash flow, asset and liability structure, debt capacity, management and controls, borrowing entity, and industry and operating environment. ​ Pass – “Pass” (uncriticized) loans and leases, are not considered to carry greater than normal risk. The borrower has the apparent ability to satisfy obligations to the Company, and therefore no loss in ultimate collection is anticipated. ​ Special Mention – Loans and leases that have potential weaknesses deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for assets or in the institution’s credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. ​ Substandard – Loans and leases that are inadequately protected by the current financial condition and paying capacity of the obligor or by any collateral pledged. Loans and leases so classified must have a well-defined weakness or weaknesses that jeopardize the collection of the debt. They are characterized by the distinct possibility that the bank may sustain some loss if the deficiencies are not corrected. ​ Doubtful – Loans and leases that have weaknesses found in substandard borrowers with the added provision that the weaknesses make collection of debt in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. ​ Loss – Loans and leases classified as loss are considered uncollectible and of such little value that their continuance as an asset is not warranted. This classification does not mean that the loan or lease has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be effected in the future. ​ Loans that are primarily monitored for credit quality using FICO scores include: residential mortgage loans, home equity lines and consumer loans. FICO scores are calculated primarily based on a consideration of payment history, the current amount of debt, the length of credit history available, a recent history of new sources of credit and the mix of credit type. FICO scores are updated on a monthly, quarterly or bi-annual basis, depending on the product type. ​ The amortized cost basis by year of origination and credit quality indicator of the Company’s loans and leases as of September 30, 2023 was as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Converted | ​ | ​ | ​
​ | ​ | Term Loans | ​ | Revolving | ​ | to Term | ​ | ​ | ​
​ | ​ | Amortized Cost Basis by Origination Year | ​ | Loans | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized | ​ | Amortized | ​ | ​ | ​
(dollars in thousands) | ​ | 2023 | ​ | 2022 | ​ | 2021 | ​ | 2020 | ​ | 2019 | ​ | Prior | ​ | Cost Basis | ​ | Cost Basis | ​ | Total
Commercial Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and Industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 55,062 | ​ | $ | 294,558 | ​ | $ | 368,460 | ​ | $ | 35,603 | ​ | $ | 150,195 | ​ | $ | 147,197 | ​ | $ | 906,094 | ​ | $ | 3,427 | ​ | $ | 1,960,596
Special Mention | ​ | ​ | 1 | ​ | ​ | 31,427 | ​ | ​ | 95 | ​ | ​ | 730 | ​ | ​ | 1,125 | ​ | ​ | 1,569 | ​ | ​ | 2,677 | ​ | ​ | 87 | ​ | ​ | 37,711
Substandard | ​ | ​ | 217 | ​ | ​ | 532 | ​ | ​ | 245 | ​ | ​ | 847 | ​ | ​ | 1,839 | ​ | ​ | 1,034 | ​ | ​ | 13,947 | ​ | ​ | — | ​ | ​ | 18,661
Other (1) | ​ | ​ | 13,438 | ​ | ​ | 12,424 | ​ | ​ | 5,575 | ​ | ​ | 2,856 | ​ | ​ | 2,226 | ​ | ​ | 1,513 | ​ | ​ | 46,442 | ​ | ​ | — | ​ | ​ | 84,474
Total Commercial and Industrial | ​ | ​ | 68,718 | ​ | ​ | 338,941 | ​ | ​ | 374,375 | ​ | ​ | 40,036 | ​ | ​ | 155,385 | ​ | ​ | 151,313 | ​ | ​ | 969,160 | ​ | ​ | 3,514 | ​ | ​ | 2,101,442
Current period gross charge-offs | ​ | $ | 130 | ​ | $ | 69 | ​ | $ | 74 | ​ | $ | 28 | ​ | $ | 108 | ​ | $ | 2,163 | ​ | $ | — | ​ | $ | — | ​ | $ | 2,572
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial Real Estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 288,996 | ​ | ​ | 881,117 | ​ | ​ | 665,048 | ​ | ​ | 329,663 | ​ | ​ | 559,287 | ​ | ​ | 1,508,430 | ​ | ​ | 60,613 | ​ | ​ | — | ​ | ​ | 4,293,154
Special Mention | ​ | ​ | 2,322 | ​ | ​ | 7,643 | ​ | ​ | 41,304 | ​ | ​ | 543 | ​ | ​ | 6,935 | ​ | ​ | 13,039 | ​ | ​ | 12,483 | ​ | ​ | — | ​ | ​ | 84,269
Substandard | ​ | ​ | — | ​ | ​ | 5,110 | ​ | ​ | 2,004 | ​ | ​ | 170 | ​ | ​ | — | ​ | ​ | 2,599 | ​ | ​ | 300 | ​ | ​ | — | ​ | ​ | 10,183
Other (1) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 145 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 145
Total Commercial Real Estate | ​ | ​ | 291,318 | ​ | ​ | 893,870 | ​ | ​ | 708,356 | ​ | ​ | 330,376 | ​ | ​ | 566,222 | ​ | ​ | 1,524,213 | ​ | ​ | 73,396 | ​ | ​ | — | ​ | ​ | 4,387,751
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 129,160 | ​ | ​ | 209,227 | ​ | ​ | 335,433 | ​ | ​ | 59,164 | ​ | ​ | 64,168 | ​ | ​ | 28,916 | ​ | ​ | 3,826 | ​ | ​ | — | ​ | ​ | 829,894
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 197 | ​ | ​ | 669 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 866
Other (1) | ​ | ​ | 10,194 | ​ | ​ | 24,825 | ​ | ​ | 10,313 | ​ | ​ | 2,260 | ​ | ​ | 2,115 | ​ | ​ | 3,932 | ​ | ​ | 713 | ​ | ​ | — | ​ | ​ | 54,352
Total Construction | ​ | ​ | 139,354 | ​ | ​ | 234,052 | ​ | ​ | 345,746 | ​ | ​ | 61,424 | ​ | ​ | 66,480 | ​ | ​ | 33,517 | ​ | ​ | 4,539 | ​ | ​ | — | ​ | ​ | 885,112
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Lease Financing | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 83,255 | ​ | ​ | 88,367 | ​ | ​ | 19,869 | ​ | ​ | 35,583 | ​ | ​ | 34,828 | ​ | ​ | 69,043 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 330,945
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 341 | ​ | ​ | 38 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 379
Substandard | ​ | ​ | 747 | ​ | ​ | 440 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,191
Total Lease Financing | ​ | ​ | 84,002 | ​ | ​ | 88,807 | ​ | ​ | 20,210 | ​ | ​ | 35,621 | ​ | ​ | 34,832 | ​ | ​ | 69,043 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 332,515
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Commercial Lending | ​ | $ | 583,392 | ​ | $ | 1,555,670 | ​ | $ | 1,448,687 | ​ | $ | 467,457 | ​ | $ | 822,919 | ​ | $ | 1,778,086 | ​ | $ | 1,047,095 | ​ | $ | 3,514 | ​ | $ | 7,706,820
Current period gross charge-offs | ​ | $ | 130 | ​ | $ | 69 | ​ | $ | 74 | ​ | $ | 28 | ​ | $ | 108 | ​ | $ | 2,163 | ​ | $ | — | ​ | $ | — | ​ | $ | 2,572
(continued)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Converted | ​ | ​ | ​
​ | ​ | Term Loans | ​ | Revolving | ​ | to Term | ​ | ​ | ​
​ | ​ | Amortized Cost Basis by Origination Year | ​ | Loans | ​ | Loans | ​ | ​ | ​
(continued) | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized | ​ | Amortized | ​ | ​ | ​
(dollars in thousands) | ​ | 2023 | ​ | 2022 | ​ | 2021 | ​ | 2020 | ​ | 2019 | ​ | Prior | ​ | Cost Basis | ​ | Cost Basis | ​ | Total
Residential Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential Mortgage | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | $ | 195,053 | ​ | $ | 527,072 | ​ | $ | 1,018,441 | ​ | $ | 536,878 | ​ | $ | 231,038 | ​ | $ | 1,012,924 | ​ | $ | — | ​ | $ | — | ​ | $ | 3,521,406
680 - 739 | ​ | ​ | 29,006 | ​ | ​ | 78,642 | ​ | ​ | 116,247 | ​ | ​ | 73,209 | ​ | ​ | 32,906 | ​ | ​ | 131,547 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 461,557
620 - 679 | ​ | ​ | 2,847 | ​ | ​ | 11,153 | ​ | ​ | 15,830 | ​ | ​ | 10,678 | ​ | ​ | 5,705 | ​ | ​ | 36,289 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 82,502
550 - 619 | ​ | ​ | 269 | ​ | ​ | 3,343 | ​ | ​ | 4,037 | ​ | ​ | 2,458 | ​ | ​ | 249 | ​ | ​ | 11,724 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 22,080
Less than 550 | ​ | ​ | — | ​ | ​ | 196 | ​ | ​ | 2,362 | ​ | ​ | 1,573 | ​ | ​ | 50 | ​ | ​ | 5,373 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 9,554
No Score (3) | ​ | ​ | 5,589 | ​ | ​ | 19,402 | ​ | ​ | 11,729 | ​ | ​ | 6,343 | ​ | ​ | 9,757 | ​ | ​ | 53,515 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 106,335
Other (2) | ​ | ​ | 10,518 | ​ | ​ | 17,079 | ​ | ​ | 17,682 | ​ | ​ | 12,840 | ​ | ​ | 8,733 | ​ | ​ | 26,171 | ​ | ​ | 7,467 | ​ | ​ | — | ​ | ​ | 100,490
Total Residential Mortgage | ​ | ​ | 243,282 | ​ | ​ | 656,887 | ​ | ​ | 1,186,328 | ​ | ​ | 643,979 | ​ | ​ | 288,438 | ​ | ​ | 1,277,543 | ​ | ​ | 7,467 | ​ | ​ | — | ​ | ​ | 4,303,924
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 122 | ​ | $ | — | ​ | $ | — | ​ | $ | 122
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Home Equity Line | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 961,974 | ​ | ​ | 1,503 | ​ | ​ | 963,477
680 - 739 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 148,629 | ​ | ​ | 2,382 | ​ | ​ | 151,011
620 - 679 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 34,333 | ​ | ​ | 1,326 | ​ | ​ | 35,659
550 - 619 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 9,099 | ​ | ​ | 948 | ​ | ​ | 10,047
Less than 550 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 5,257 | ​ | ​ | 264 | ​ | ​ | 5,521
No Score (3) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,673 | ​ | ​ | — | ​ | ​ | 1,673
Total Home Equity Line | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,160,965 | ​ | ​ | 6,423 | ​ | ​ | 1,167,388
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 254 | ​ | $ | 18 | ​ | $ | 272
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Residential Lending | ​ | $ | 243,282 | ​ | $ | 656,887 | ​ | $ | 1,186,328 | ​ | $ | 643,979 | ​ | $ | 288,438 | ​ | $ | 1,277,543 | ​ | $ | 1,168,432 | ​ | $ | 6,423 | ​ | $ | 5,471,312
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 122 | ​ | $ | 254 | ​ | $ | 18 | ​ | $ | 394
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | ​ | 85,839 | ​ | ​ | 139,753 | ​ | ​ | 84,741 | ​ | ​ | 39,390 | ​ | ​ | 27,790 | ​ | ​ | 13,589 | ​ | ​ | 116,342 | ​ | ​ | 153 | ​ | ​ | 507,597
680 - 739 | ​ | ​ | 60,184 | ​ | ​ | 79,628 | ​ | ​ | 43,948 | ​ | ​ | 20,531 | ​ | ​ | 16,192 | ​ | ​ | 8,577 | ​ | ​ | 74,428 | ​ | ​ | 416 | ​ | ​ | 303,904
620 - 679 | ​ | ​ | 21,797 | ​ | ​ | 32,632 | ​ | ​ | 18,094 | ​ | ​ | 8,650 | ​ | ​ | 9,214 | ​ | ​ | 6,191 | ​ | ​ | 33,543 | ​ | ​ | 892 | ​ | ​ | 131,013
550 - 619 | ​ | ​ | 3,745 | ​ | ​ | 10,422 | ​ | ​ | 7,898 | ​ | ​ | 4,953 | ​ | ​ | 5,597 | ​ | ​ | 4,069 | ​ | ​ | 12,456 | ​ | ​ | 684 | ​ | ​ | 49,824
Less than 550 | ​ | ​ | 774 | ​ | ​ | 5,629 | ​ | ​ | 4,519 | ​ | ​ | 3,175 | ​ | ​ | 3,048 | ​ | ​ | 2,459 | ​ | ​ | 4,567 | ​ | ​ | 560 | ​ | ​ | 24,731
No Score (3) | ​ | ​ | 1,455 | ​ | ​ | 297 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 5 | ​ | ​ | 13 | ​ | ​ | 41,852 | ​ | ​ | 150 | ​ | ​ | 43,772
Other (2) | ​ | ​ | — | ​ | ​ | 1,188 | ​ | ​ | 1,007 | ​ | ​ | 340 | ​ | ​ | 1,086 | ​ | ​ | 1 | ​ | ​ | 89,740 | ​ | ​ | — | ​ | ​ | 93,362
Total Consumer Lending | ​ | $ | 173,794 | ​ | $ | 269,549 | ​ | $ | 160,207 | ​ | $ | 77,039 | ​ | $ | 62,932 | ​ | $ | 34,899 | ​ | $ | 372,928 | ​ | $ | 2,855 | ​ | $ | 1,154,203
Current period gross charge-offs | ​ | $ | 152 | ​ | $ | 1,710 | ​ | $ | 1,723 | ​ | $ | 880 | ​ | $ | 1,500 | ​ | $ | 1,995 | ​ | $ | 4,541 | ​ | $ | 462 | ​ | $ | 12,963
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Loans and Leases | ​ | $ | 1,000,468 | ​ | $ | 2,482,106 | ​ | $ | 2,795,222 | ​ | $ | 1,188,475 | ​ | $ | 1,174,289 | ​ | $ | 3,090,528 | ​ | $ | 2,588,455 | ​ | $ | 12,792 | ​ | $ | 14,332,335
Current period gross charge-offs | ​ | $ | 282 | ​ | $ | 1,779 | ​ | $ | 1,797 | ​ | $ | 908 | ​ | $ | 1,608 | ​ | $ | 4,280 | ​ | $ | 4,795 | ​ | $ | 480 | ​ | $ | 15,929
(1) | Other credit quality indicators used for monitoring purposes are primarily FICO scores. The majority of the loans in this population were originated to borrowers with a prime FICO score.
(2) | Other credit quality indicators used for monitoring purposes are primarily internal risk ratings. The majority of the loans in this population were graded with a “Pass” rating.
(3) | No FICO scores are primarily related to loans and leases extended to non-residents. Loans and leases of this nature are primarily secured by collateral and/or are closely monitored for performance.
​ The amortized cost basis by year of origination and credit quality indicator of the Company’s loans and leases as of December 31, 2022 was as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Converted | ​ | ​ | ​
​ | ​ | Term Loans | ​ | Revolving | ​ | to Term | ​ | ​ | ​
​ | ​ | Amortized Cost Basis by Origination Year | ​ | Loans | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized | ​ | Amortized | ​ | ​ | ​
(dollars in thousands) | ​ | 2022 | ​ | 2021 | ​ | 2020 | ​ | 2019 | ​ | 2018 | ​ | Prior | ​ | Cost Basis | ​ | Cost Basis | ​ | Total
Commercial Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and Industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 359,881 | ​ | $ | 422,567 | ​ | $ | 54,656 | ​ | $ | 170,222 | ​ | $ | 51,476 | ​ | $ | 137,257 | ​ | $ | 894,384 | ​ | $ | 15,715 | ​ | $ | 2,106,158
Special Mention | ​ | ​ | 2,059 | ​ | ​ | 240 | ​ | ​ | 1,371 | ​ | ​ | 2,643 | ​ | ​ | 184 | ​ | ​ | 1,431 | ​ | ​ | 22,897 | ​ | ​ | 378 | ​ | ​ | 31,203
Substandard | ​ | ​ | 625 | ​ | ​ | 289 | ​ | ​ | 1,117 | ​ | ​ | 1,092 | ​ | ​ | 668 | ​ | ​ | 885 | ​ | ​ | 14,733 | ​ | ​ | 65 | ​ | ​ | 19,474
Other (1) | ​ | ​ | 17,679 | ​ | ​ | 7,721 | ​ | ​ | 4,329 | ​ | ​ | 3,965 | ​ | ​ | 1,881 | ​ | ​ | 1,167 | ​ | ​ | 42,320 | ​ | ​ | — | ​ | ​ | 79,062
Total Commercial and Industrial | ​ | ​ | 380,244 | ​ | ​ | 430,817 | ​ | ​ | 61,473 | ​ | ​ | 177,922 | ​ | ​ | 54,209 | ​ | ​ | 140,740 | ​ | ​ | 974,334 | ​ | ​ | 16,158 | ​ | ​ | 2,235,897
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial Real Estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 889,583 | ​ | ​ | 695,882 | ​ | ​ | 319,838 | ​ | ​ | 565,587 | ​ | ​ | 395,474 | ​ | ​ | 1,173,163 | ​ | ​ | 48,081 | ​ | ​ | — | ​ | ​ | 4,087,608
Special Mention | ​ | ​ | 170 | ​ | ​ | — | ​ | ​ | 555 | ​ | ​ | 14,878 | ​ | ​ | 512 | ​ | ​ | 11,398 | ​ | ​ | 675 | ​ | ​ | — | ​ | ​ | 28,188
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 173 | ​ | ​ | — | ​ | ​ | 1,704 | ​ | ​ | 14,485 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 16,362
Other (1) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 151 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 151
Total Commercial Real Estate | ​ | ​ | 889,753 | ​ | ​ | 695,882 | ​ | ​ | 320,566 | ​ | ​ | 580,465 | ​ | ​ | 397,690 | ​ | ​ | 1,199,197 | ​ | ​ | 48,756 | ​ | ​ | — | ​ | ​ | 4,132,309
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 124,464 | ​ | ​ | 261,536 | ​ | ​ | 96,423 | ​ | ​ | 97,000 | ​ | ​ | 88,973 | ​ | ​ | 84,704 | ​ | ​ | 25,957 | ​ | ​ | — | ​ | ​ | 779,057
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 221 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 221
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 21 | ​ | ​ | 490 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 511
Other (1) | ​ | ​ | 29,694 | ​ | ​ | 21,339 | ​ | ​ | 4,686 | ​ | ​ | 2,201 | ​ | ​ | 3,784 | ​ | ​ | 2,196 | ​ | ​ | 954 | ​ | ​ | — | ​ | ​ | 64,854
Total Construction | ​ | ​ | 154,158 | ​ | ​ | 282,875 | ​ | ​ | 101,109 | ​ | ​ | 99,422 | ​ | ​ | 92,778 | ​ | ​ | 87,390 | ​ | ​ | 26,911 | ​ | ​ | — | ​ | ​ | 844,643
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Lease Financing | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 113,563 | ​ | ​ | 24,052 | ​ | ​ | 43,497 | ​ | ​ | 37,502 | ​ | ​ | 6,004 | ​ | ​ | 67,687 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 292,305
Special Mention | ​ | ​ | — | ​ | ​ | 411 | ​ | ​ | 2,498 | ​ | ​ | 1,299 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,208
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 197 | ​ | ​ | 12 | ​ | ​ | 11 | ​ | ​ | 1,357 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,577
Total Lease Financing | ​ | ​ | 113,563 | ​ | ​ | 24,463 | ​ | ​ | 46,192 | ​ | ​ | 38,813 | ​ | ​ | 6,015 | ​ | ​ | 69,044 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 298,090
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Commercial Lending | ​ | $ | 1,537,718 | ​ | $ | 1,434,037 | ​ | $ | 529,340 | ​ | $ | 896,622 | ​ | $ | 550,692 | ​ | $ | 1,496,371 | ​ | $ | 1,050,001 | ​ | $ | 16,158 | ​ | $ | 7,510,939
(continued)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Converted | ​ | ​ | ​
​ | ​ | Term Loans | ​ | Revolving | ​ | to Term | ​ | ​ | ​
​ | ​ | Amortized Cost Basis by Origination Year | ​ | Loans | ​ | Loans | ​ | ​ | ​
(continued) | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized | ​ | Amortized | ​ | ​ | ​
(dollars in thousands) | ​ | 2022 | ​ | 2021 | ​ | 2020 | ​ | 2019 | ​ | 2018 | ​ | Prior | ​ | Cost Basis | ​ | Cost Basis | ​ | Total
Residential Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential Mortgage | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | $ | 557,636 | ​ | $ | 1,064,444 | ​ | $ | 560,463 | ​ | $ | 245,241 | ​ | $ | 165,258 | ​ | $ | 920,100 | ​ | $ | — | ​ | $ | — | ​ | $ | 3,513,142
680 - 739 | ​ | ​ | 73,929 | ​ | ​ | 112,672 | ​ | ​ | 82,416 | ​ | ​ | 40,355 | ​ | ​ | 22,126 | ​ | ​ | 130,508 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 462,006
620 - 679 | ​ | ​ | 12,320 | ​ | ​ | 13,804 | ​ | ​ | 9,881 | ​ | ​ | 3,649 | ​ | ​ | 3,054 | ​ | ​ | 35,441 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 78,149
550 - 619 | ​ | ​ | 2,455 | ​ | ​ | 2,246 | ​ | ​ | 1,791 | ​ | ​ | 263 | ​ | ​ | 601 | ​ | ​ | 6,955 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 14,311
Less than 550 | ​ | ​ | — | ​ | ​ | 1,321 | ​ | ​ | 367 | ​ | ​ | — | ​ | ​ | 966 | ​ | ​ | 5,304 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7,958
No Score (3) | ​ | ​ | 22,289 | ​ | ​ | 14,671 | ​ | ​ | 6,820 | ​ | ​ | 10,599 | ​ | ​ | 15,921 | ​ | ​ | 47,245 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 117,545
Other (2) | ​ | ​ | 18,970 | ​ | ​ | 18,211 | ​ | ​ | 15,287 | ​ | ​ | 9,201 | ​ | ​ | 9,124 | ​ | ​ | 29,128 | ​ | ​ | 9,202 | ​ | ​ | 554 | ​ | ​ | 109,677
Total Residential Mortgage | ​ | ​ | 687,599 | ​ | ​ | 1,227,369 | ​ | ​ | 677,025 | ​ | ​ | 309,308 | ​ | ​ | 217,050 | ​ | ​ | 1,174,681 | ​ | ​ | 9,202 | ​ | ​ | 554 | ​ | ​ | 4,302,788
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Home Equity Line | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 817,123 | ​ | ​ | 2,059 | ​ | ​ | 819,182
680 - 739 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 171,117 | ​ | ​ | 2,714 | ​ | ​ | 173,831
620 - 679 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 45,368 | ​ | ​ | 2,100 | ​ | ​ | 47,468
550 - 619 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7,485 | ​ | ​ | 1,029 | ​ | ​ | 8,514
Less than 550 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,151 | ​ | ​ | 481 | ​ | ​ | 1,632
No Score (3) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,724 | ​ | ​ | — | ​ | ​ | 4,724
Total Home Equity Line | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,046,968 | ​ | ​ | 8,383 | ​ | ​ | 1,055,351
Total Residential Lending | ​ | ​ | 687,599 | ​ | ​ | 1,227,369 | ​ | ​ | 677,025 | ​ | ​ | 309,308 | ​ | ​ | 217,050 | ​ | ​ | 1,174,681 | ​ | ​ | 1,056,170 | ​ | ​ | 8,937 | ​ | ​ | 5,358,139
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | ​ | 200,887 | ​ | ​ | 111,047 | ​ | ​ | 53,534 | ​ | ​ | 43,912 | ​ | ​ | 24,951 | ​ | ​ | 8,432 | ​ | ​ | 125,126 | ​ | ​ | 185 | ​ | ​ | 568,074
680 - 739 | ​ | ​ | 99,787 | ​ | ​ | 67,140 | ​ | ​ | 37,260 | ​ | ​ | 31,751 | ​ | ​ | 15,874 | ​ | ​ | 7,665 | ​ | ​ | 72,101 | ​ | ​ | 514 | ​ | ​ | 332,092
620 - 679 | ​ | ​ | 25,949 | ​ | ​ | 29,587 | ​ | ​ | 14,226 | ​ | ​ | 16,872 | ​ | ​ | 9,672 | ​ | ​ | 6,488 | ​ | ​ | 31,854 | ​ | ​ | 937 | ​ | ​ | 135,585
550 - 619 | ​ | ​ | 3,017 | ​ | ​ | 5,475 | ​ | ​ | 5,226 | ​ | ​ | 8,056 | ​ | ​ | 5,396 | ​ | ​ | 3,924 | ​ | ​ | 11,269 | ​ | ​ | 854 | ​ | ​ | 43,217
Less than 550 | ​ | ​ | 656 | ​ | ​ | 1,351 | ​ | ​ | 2,286 | ​ | ​ | 3,779 | ​ | ​ | 1,869 | ​ | ​ | 1,593 | ​ | ​ | 3,541 | ​ | ​ | 443 | ​ | ​ | 15,518
No Score (3) | ​ | ​ | 3,205 | ​ | ​ | 258 | ​ | ​ | — | ​ | ​ | 51 | ​ | ​ | 24 | ​ | ​ | 29 | ​ | ​ | 38,805 | ​ | ​ | 227 | ​ | ​ | 42,599
Other (2) | ​ | ​ | 1,615 | ​ | ​ | 4,082 | ​ | ​ | 353 | ​ | ​ | 1,368 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 78,430 | ​ | ​ | 1 | ​ | ​ | 85,849
Total Consumer Lending | ​ | ​ | 335,116 | ​ | ​ | 218,940 | ​ | ​ | 112,885 | ​ | ​ | 105,789 | ​ | ​ | 57,786 | ​ | ​ | 28,131 | ​ | ​ | 361,126 | ​ | ​ | 3,161 | ​ | ​ | 1,222,934
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Loans and Leases | ​ | $ | 2,560,433 | ​ | $ | 2,880,346 | ​ | $ | 1,319,250 | ​ | $ | 1,311,719 | ​ | $ | 825,528 | ​ | $ | 2,699,183 | ​ | $ | 2,467,297 | ​ | $ | 28,256 | ​ | $ | 14,092,012
(1) | Other credit quality indicators used for monitoring purposes are primarily FICO scores. The majority of the loans in this population were originated to borrowers with a prime FICO score.
(2) | Other credit quality indicators used for monitoring purposes are primarily internal risk ratings. The majority of the loans in this population were graded with a “Pass” rating.
(3) | No FICO scores are primarily related to loans and leases extended to non-residents. Loans and leases of this nature are primarily secured by collateral and/or are closely monitored for performance.
​ There were no loans and leases graded as Loss as of September 30, 2023 and December 31, 2022. ​ Past-Due Status ​ The Company continually updates its aging analysis for loans and leases to monitor the migration of loans and leases into past due categories. The Company considers loans and leases that are delinquent for 30 days or more to be past due. As of September 30, 2023 and December 31, 2022, the aging analysis of the amortized cost basis of the Company’s past due loans and leases was as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2023
​ | ​ | Past Due | ​ | ​ | ​ | ​ | ​ | Loans and
​ | ​ | ​ | ​ | ​ | ​ | Greater | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Leases Past
​ | ​ | ​ | ​ | ​ | ​ | Than or | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Due 90 Days
​ | ​ | 30-59 | ​ | 60-89 | ​ | Equal to | ​ | ​ | ​ | ​ | ​ | ​ | ​ | or More and
​ | ​ | Days | ​ | Days | ​ | 90 Days | ​ | Total | ​ | ​ | ​ | Total Loans | ​ | Still Accruing
(dollars in thousands) |  | Past Due |  | Past Due |  | Past Due |  | Past Due |  | Current |  | and Leases | ​ | Interest
Commercial and industrial | ​ | $ | 3,989 | ​ | $ | 673 | ​ | $ | 1,277 | ​ | $ | 5,939 | ​ | $ | 2,095,503 | ​ | $ | 2,101,442 | ​ | $ | 289
Commercial real estate | ​ | ​ | — | ​ | ​ | 300 | ​ | ​ | 170 | ​ | ​ | 470 | ​ | ​ | 4,387,281 | ​ | ​ | 4,387,751 | ​ | ​ | 170
Construction | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 885,112 | ​ | ​ | 885,112 | ​ | ​ | —
Lease financing | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 332,515 | ​ | ​ | 332,515 | ​ | ​ | —
Residential mortgage | ​ | ​ | 3,239 | ​ | ​ | — | ​ | ​ | 6,575 | ​ | ​ | 9,814 | ​ | ​ | 4,294,110 | ​ | ​ | 4,303,924 | ​ | ​ | 1,430
Home equity line | ​ | ​ | 6,741 | ​ | ​ | 938 | ​ | ​ | 3,320 | ​ | ​ | 10,999 | ​ | ​ | 1,156,389 | ​ | ​ | 1,167,388 | ​ | ​ | —
Consumer | ​ | ​ | 20,327 | ​ | ​ | 3,967 | ​ | ​ | 1,681 | ​ | ​ | 25,975 | ​ | ​ | 1,128,228 | ​ | ​ | 1,154,203 | ​ | ​ | 1,681
Total | ​ | $ | 34,296 | ​ | $ | 5,878 | ​ | $ | 13,023 | ​ | $ | 53,197 | ​ | $ | 14,279,138 | ​ | $ | 14,332,335 | ​ | $ | 3,570
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2022
​ | ​ | Past Due | ​ | ​ | ​ | ​ | ​ | Loans and
​ | ​ | ​ | ​ | ​ | ​ | Greater | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Leases Past
​ | ​ | ​ | ​ | ​ | ​ | Than or | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Due 90 Days
​ | ​ | 30-59 | ​ | 60-89 | ​ | Equal to | ​ | ​ | ​ | ​ | ​ | ​ | ​ | or More and
​ | ​ | Days | ​ | Days | ​ | 90 Days | ​ | Total | ​ | ​ | ​ | Total Loans | ​ | Still Accruing
(dollars in thousands) |  | Past Due |  | Past Due |  | Past Due |  | Past Due |  | Current |  | and Leases | ​ | Interest
Commercial and industrial | ​ | $ | 2,682 | ​ | $ | 769 | ​ | $ | 1,441 | ​ | $ | 4,892 | ​ | $ | 2,231,005 | ​ | $ | 2,235,897 | ​ | $ | 291
Commercial real estate | ​ | ​ | 4,505 | ​ | ​ | — | ​ | ​ | 727 | ​ | ​ | 5,232 | ​ | ​ | 4,127,077 | ​ | ​ | 4,132,309 | ​ | ​ | —
Construction | ​ | ​ | 109 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 109 | ​ | ​ | 844,534 | ​ | ​ | 844,643 | ​ | ​ | —
Lease financing | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 298,090 | ​ | ​ | 298,090 | ​ | ​ | —
Residential mortgage | ​ | ​ | 3,681 | ​ | ​ | 1,983 | ​ | ​ | 2,572 | ​ | ​ | 8,236 | ​ | ​ | 4,294,552 | ​ | ​ | 4,302,788 | ​ | ​ | 58
Home equity line | ​ | ​ | 5,161 | ​ | ​ | 1,381 | ​ | ​ | 2,072 | ​ | ​ | 8,614 | ​ | ​ | 1,046,737 | ​ | ​ | 1,055,351 | ​ | ​ | —
Consumer | ​ | ​ | 29,927 | ​ | ​ | 6,801 | ​ | ​ | 2,886 | ​ | ​ | 39,614 | ​ | ​ | 1,183,320 | ​ | ​ | 1,222,934 | ​ | ​ | 2,885
Total | ​ | $ | 46,065 | ​ | $ | 10,934 | ​ | $ | 9,698 | ​ | $ | 66,697 | ​ | $ | 14,025,315 | ​ | $ | 14,092,012 | ​ | $ | 3,234
​ Nonaccrual Loans and Leases ​ The Company generally places a loan or lease on nonaccrual status when management believes that collection of principal or interest has become doubtful or when a loan or lease becomes 90 days past due as to principal or interest, unless it is well secured and in the process of collection. The Company charges off a loan or lease when facts indicate that the loan or lease is considered uncollectible. ​ The amortized cost basis of loans and leases on nonaccrual status as of September 30, 2023 and December 31, 2022 and the amortized cost basis of loans and leases on nonaccrual status with no ACL as of September 30, 2023 and December 31, 2022 were as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2023
​ | ​ | Nonaccrual | ​ | ​ | ​
​ | ​ | Loans | ​ | ​ | ​
​ | ​ | and Leases | ​ | ​ | ​
​ | ​ | With No | ​ | Nonaccrual
​ | ​ | Allowance | ​ | Loans
(dollars in thousands) |  | for Credit Losses | ​ | and Leases
Commercial and industrial | ​ | $ | 503 | ​ | $ | 988
Residential mortgage | ​ | ​ | 2,674 | ​ | ​ | 7,435
Home equity line | ​ | ​ | 596 | ​ | ​ | 6,200
Total Nonaccrual Loans and Leases | ​ | $ | 3,773 | ​ | $ | 14,623
​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2022
​ | ​ | Nonaccrual | ​ | ​ | ​
​ | ​ | Loans | ​ | ​ | ​
​ | ​ | and Leases | ​ | ​ | ​
​ | ​ | With No | ​ | Nonaccrual
​ | ​ | Allowance | ​ | Loans
(dollars in thousands) |  | for Credit Losses | ​ | and Leases
Commercial and industrial | ​ | $ | 665 | ​ | $ | 1,215
Commercial real estate | ​ | ​ | 727 | ​ | ​ | 727
Residential mortgage | ​ | ​ | 1,560 | ​ | ​ | 6,166
Home equity line | ​ | ​ | 596 | ​ | ​ | 3,797
Total Nonaccrual Loans and Leases | ​ | $ | 3,548 | ​ | $ | 11,905
​ For the three and nine months ended September 30, 2023, the Company recognized interest income of $0.1 million and $0.4 million, respectively, on nonaccrual loans and leases, and for the three and nine months ended September 30, 2022, the Company recognized interest income of $0.1 million and $0.2 million, respectively, on nonaccrual loans and leases. Furthermore, for the three and nine months ended September 30, 2023, the amount of accrued interest receivables written off by reversing interest income was $0.2 million and $0.7 million, respectively, and for the three and nine months ended September 30, 2022 the amount of accrued interest receivables written off by reversing interest income was $0.3 million and $0.7 million, respectively. ​ Collateral-Dependent Loans and Leases ​ Collateral-dependent loans and leases are those for which repayment (on the basis of the Company’s assessment as of the reporting date) is expected to be provided substantially through the operation or sale of the collateral and the borrower is experiencing financial difficulty. As of September 30, 2023 and December 31, 2022, the amortized cost basis of collateral-dependent loans were $7.5 million and $8.2 million, respectively. As of both September 30, 2023 and December 31, 2022, these loans were primarily collateralized by residential real estate property and the fair value of collateral on substantially all collateral-dependent loans were significantly in excess of their amortized cost basis. ​ Loan Modifications to Borrowers Experiencing Financial Difficulty ​ The Company adopted the provisions of Accounting Standards Update (“ASU”) No. 2022-02, Financial Instruments – Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures, on January 1, 2023. This update eliminates the accounting guidance on troubled debt restructurings (“TDRs”) for creditors in Subtopic 310-40, updates the requirements related to accounting for credit losses under Topic 326 and adds enhanced disclosures for creditors with respect to loan refinancings and restructurings for borrowers experiencing financial difficulty. For additional information, see “Note 1. Organization and Basis of Presentation.” ​ Commercial and industrial loans with a borrower experiencing financial difficulty may be modified through interest rate reductions, term extensions, and converting revolving credit lines to term loans. Modifications of commercial real estate and construction loans with a borrower experiencing financial difficulty may involve reducing the interest rate for the remaining term of the loan or extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk. Modifications of construction loans with a borrower experiencing financial difficulty may also involve extending the interest-only payment period. Interest continues to accrue on the missed payments and as a result, the effective yield on the loan remains unchanged. Modifications of residential real estate loans with a borrower experiencing financial difficulty may be comprised of loans where monthly payments are lowered to accommodate the borrowers' financial needs for a period of time, including extended interest-only periods and reamortization of the balance. Modifications of consumer loans with a borrower experiencing financial difficulty may involve interest rate reductions and term extensions. ​ Loans modified with a borrower experiencing financial difficulty, whether in default or not, may already be on nonaccrual status and in some cases, partial charge-offs may have already been taken against the outstanding loan balance. Loans modified with a borrower experiencing financial difficulty are evaluated for impairment. As a result, this may have a financial effect of impacting the specific ACL associated with the loan. An ACL for impaired commercial loans, including commercial real estate and construction loans, is measured based on the present value of expected future cash flows discounted at the loan's effective interest rate or if the loan is collateral-dependent, the estimated fair value of the collateral, less any selling costs. An ACL for impaired residential real estate loans is measured based on the estimated fair value of the collateral, less any selling costs. Management exercises significant judgment in developing these estimates. ​ The following tables present, by class of financing receivable and type of modification granted, the amortized cost basis as of September 30, 2023, related to loans modified to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2023: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | Interest Rate Reduction | ​
​ | ​ | ​ | Three Months Ended | ​ | ​ | ​ | Nine Months Ended | ​
​ | ​ | ​ | September 30, 2023 | ​ | ​ | ​ | September 30, 2023 | ​
​ | ​ | ​ | Amortized | ​ | % of Total Class | ​ | ​ | ​ | Amortized | ​ | % of Total Class | ​
(dollars in thousands) | ​ |  | Cost Basis(1) | ​ | of Financing Receivable | ​ |  |  | Cost Basis(1) | ​ | of Financing Receivable | ​
Consumer | ​ | $ | 255 | ​ | 0.02 | % | ​ | $ | 889 | ​ | 0.08 | %
Total | ​ | $ | 255 | ​ | n/m | % | ​ | $ | 889 | ​ | 0.01 | %
n/m – Represents less than 0.01% of total class of financing receivable.
(1) | The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | Term Extension | ​
​ | ​ | ​ | Three Months Ended | ​ | ​ | ​ | Nine Months Ended | ​
​ | ​ | ​ | September 30, 2023 | ​ | ​ | ​ | September 30, 2023 | ​
​ | ​ | ​ | Amortized | ​ | % of Total Class | ​ | ​ | ​ | Amortized | ​ | % of Total Class | ​
(dollars in thousands) | ​ |  | Cost Basis(1) | ​ | of Financing Receivable | ​ |  |  | Cost Basis(1) | ​ | of Financing Receivable | ​
Commercial and industrial | ​ | $ | 145 | ​ | 0.01 | % | ​ | $ | 248 | ​ | 0.01 | %
Commercial real estate | ​ | ​ | — | ​ | — | ​ | ​ | ​ | 1,214 | ​ | 0.03 | ​
Construction | ​ | ​ | 669 | ​ | 0.08 | ​ | ​ | ​ | 897 | ​ | 0.10 | ​
Residential mortgage | ​ | ​ | — | ​ | — | ​ | ​ | ​ | 33 | ​ | n/m | ​
Consumer | ​ | ​ | 17 | ​ | n/m | ​ | ​ | ​ | 130 | ​ | 0.01 | ​
Total | ​ | $ | 831 | ​ | 0.01 | % | ​ | $ | 2,522 | ​ | 0.02 | %
n/m – Represents less than 0.01% of total class of financing receivable.
(1) | The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.
​ ​ The following tables describe, by class of financing receivable and type of modification granted, the financial effect of the modifications made to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2023: ​
​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Interest Rate Reduction | ​
​ | ​ | Financial Effect | ​
​ | ​ | Three Months Ended September 30, 2023 | ​ | Nine Months Ended September 30, 2023 | ​
Consumer | ​ | Reduced weighted-average contractual interest rate by 13.31%. | ​ | Reduced weighted-average contractual interest rate by 13.22%. | ​
​ ​
​ | ​ | ​ | ​ | ​
​ | ​ | Term Extension
​ | ​ | Financial Effect
​ | ​ | Three Months Ended September 30, 2023 | ​ | Nine Months Ended September 30, 2023
Commercial and industrial | ​ | Added a weighted-average 2.6 years to the life of loans. | ​ | Added a weighted-average 3.0 years to the life of loans.
Commercial real estate | ​ | — | ​ | Added a weighted-average 1.0 years to the life of loans.
Construction | ​ | Added a weighted-average 1.0 years to the life of loans. | ​ | Added a weighted-average 1.4 years to the life of loans.
Residential mortgage | ​ | — | ​ | Added a weighted-average 5.9 years to the life of loans.
Consumer | ​ | Added a weighted-average 2.9 years to the life of loans. | ​ | Added a weighted-average 3.6 years to the life of loans.
​ ​ The following table presents, by class of financing receivable and type of modification granted, the amortized cost basis, as of September 30, 2023, of loans that had a payment default during the three and nine months ended September 30, 2023 and were modified in the 12 months before default to borrowers experiencing financial difficulty. The Company is reporting these defaulted loans based on a payment default definition of 30 days past due: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Amortized Cost Basis of Modified Loans That Subsequently Defaulted(1)
​ | ​ | Three Months Ended September 30, 2023 | ​ | Nine Months Ended September 30, 2023
(dollars in thousands) | ​ | Interest Rate Reduction | ​ | Interest Rate Reduction
Consumer | ​ | $ | 166 | ​ | $ | 186
Total | ​ | $ | 166 | ​ | $ | 186
(1) | The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.
​ Performance of the loans that are modified to borrowers experiencing financial difficulty is monitored to understand the effectiveness of the Company’s modification efforts. As of September 30, 2023, the aging analysis of the amortized cost basis of the performance of loans that have been modified in the last 12 months related to borrowers experiencing financial difficulty was as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | September 30, 2023
​ | ​ | ​ | Past Due | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Greater Than | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | or Equal to | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | 30-59 Days | ​ | ​ | 60-89 Days | ​ | ​ | 90 Days | ​ | ​ | Total | ​ | ​ | ​ | ​ | ​ | ​
(dollars in thousands) | ​ |  | Past Due | ​ |  | Past Due | ​ |  | Past Due | ​ |  | Past Due | ​ |  | Current | ​ |  | Total
Commercial and industrial | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 248 | ​ | $ | 248
Commercial real estate | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,214 | ​ | ​ | 1,214
Construction | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 897 | ​ | ​ | 897
Residential mortgage | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 33 | ​ | ​ | 33
Consumer | ​ | ​ | 62 | ​ | ​ | 18 | ​ | ​ | 18 | ​ | ​ | 98 | ​ | ​ | 921 | ​ | ​ | 1,019
Total | ​ | $ | 62 | ​ | $ | 18 | ​ | $ | 18 | ​ | $ | 98 | ​ | $ | 3,313 | ​ | $ | 3,411
​ The Company had commitments to extend credit, standby letters of credit, and commercial letters of credit totaling $7.0 billion as of September 30, 2023. Of the $7.0 billion at September 30, 2023, there were commitments of $5.0 million to lend additional funds to borrowers experiencing financial difficulty for which the Company had modified the terms of the loans in the form of an interest rate reduction or a term extension during the nine months ended September 30, 2023. ​ Troubled Debt Restructuring Disclosures Prior to Adoption of ASU No. 2022-02 ​ Prior to the adoption of ASU No. 2022-02, the Company accounted for a modification to the contractual terms of a loan that resulted in granting a concession to a borrower experiencing financial difficulty as a TDR. On January 1, 2023, the Company adopted ASU No. 2022-02, which eliminated TDR accounting prospectively for all restructurings occurring on or after January 1, 2023. Loans that were restructured in a TDR prior to the adoption of ASU No. 2022-02 will continue to be accounted for under the historical TDR accounting until the loan is paid off or subsequently modified. The disclosures below related to TDRs for prior periods are presented in accordance with Subtopic 310-40, Receivables—Troubled Debt Restructurings by Creditors. ​ Commercial and industrial loans modified in a TDR may have involved temporary interest-only payments, term extensions, and converting revolving credit lines to term loans. Modifications of commercial real estate and construction loans in a TDR may have involved reducing the interest rate for the remaining term of the loan, extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk, or substituting or adding a new borrower or guarantor. Modifications of construction loans in a TDR may have also involved extending the interest-only payment period. Interest continued to accrue on the missed payments and as a result, the effective yield on the loan remained unchanged. Residential real estate loans modified in a TDR may have been comprised of loans where monthly payments were lowered to accommodate the borrowers' financial needs for a period of time, including extended interest-only periods and reamortization of the balance. Modifications of consumer loans in a TDR may have involved temporary or permanent reduced payments, temporary interest-only payments and below-market interest rates. ​ Loans modified in a TDR may have already been on nonaccrual status and in some cases, partial charge-offs may have already been taken against the outstanding loan balance. Loans modified in a TDR were evaluated for impairment. As a result, this may have had a financial effect of impacting the specific ACL associated with the loan. An ACL for impaired commercial loans, including commercial real estate and construction loans, that had been modified in a TDR was measured based on the present value of expected future cash flows discounted at the loan's effective interest rate or if the loan was collateral-dependent, the estimated fair value of the collateral, less any selling costs. An ACL for impaired residential real estate loans that had been modified in a TDR was measured based on the estimated fair value of the collateral, less any selling costs. Management exercised significant judgment in developing these estimates. ​ The following presents, by class, information related to loans modified in a TDR during the three and nine months ended September 30, 2022 presented in accordance with Subtopic 310-40, Receivables—Troubled Debt Restructurings by Creditors: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended | ​ | Nine Months Ended
​ | ​ | September 30, 2022 | ​ | September 30, 2022
​ | ​ | Number of | ​ | Recorded | ​ | Related | ​ | Number of | ​ | Recorded | ​ | Related
(dollars in thousands) |  | Contracts(1) |  | Investment(2) |  | ACL |  | Contracts(1) |  | Investment(2) |  | ACL
Commercial and industrial | ​ | 2 | ​ | $ | 201 | ​ | $ | 4 | ​ | 2 | ​ | $ | 201 | ​ | $ | 4
Residential mortgage | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | 1 | ​ | ​ | 252 | ​ | ​ | 32
Consumer | ​ | 50 | ​ | ​ | 387 | ​ | ​ | 114 | ​ | 234 | ​ | ​ | 2,286 | ​ | ​ | 424
Total | ​ | 52 | ​ | $ | 588 | ​ | $ | 118 | ​ | 237 | ​ | $ | 2,739 | ​ | $ | 460
(1) | The number of contracts does not include TDRs that have been fully paid off, charged off, or foreclosed upon by the end of the period.
(2) | The recorded investment balances reflect all partial paydowns and charge-offs since the modification date and do not include TDRs that have been fully paid off, charged off, or foreclosed upon by the end of the period.
​ The above loans were modified in a TDR through an extension of maturity dates, reduced payments, or below-market interest rates. ​ The Company had commitments to extend credit, standby letters of credit, and commercial letters of credit totaling $7.0 billion as of December 31, 2022. Of the $7.0 billion at December 31, 2022, there were commitments of $0.1 million to lend additional funds related to borrowers who had loan terms modified in a TDR. ​ The following table presents, by class, loans modified in TDRs that have defaulted in the periods below within 12 months of their permanent modification date for the periods indicated, presented in accordance with Subtopic 310-40, Receivables—Troubled Debt Restructurings by Creditors. The Company was reporting these defaulted TDRs based on a payment default definition of 30 days past due: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended | ​ | Nine Months Ended
​ | ​ | September 30, 2022 | ​ | September 30, 2022
​ | ​ | Number of | ​ | Recorded | ​ | Number of | ​ | Recorded
(dollars in thousands) |  | Contracts(1) |  | Investment(2) |  | Contracts(1) |  | Investment(2)
Commercial and industrial | ​ | 1 | ​ | $ | 216 | ​ | 2 | ​ | $ | 541
Consumer | ​ | 123 | ​ | ​ | 1,561 | ​ | 219 | ​ | ​ | 2,939
Total | ​ | 124 | ​ | $ | 1,777 | ​ | 221 | ​ | $ | 3,480
(1) | The number of contracts does not include TDRs that have been fully paid off, charged off, or foreclosed upon by the end of the period.
(2) | The recorded investment balances reflect all partial paydowns and charge-offs since the modification date and do not include TDRs that have been fully paid off, charged off, or foreclosed upon by the end of the period.
​ Foreclosed Property ​ As of September 30, 2023, there were no residential real estate properties held from foreclosed residential mortgage loans. As of December 31, 2022, residential real estate property held from one foreclosed residential mortgage loan of $0.1 million was included in other real estate owned and repossessed personal property shown in the unaudited interim consolidated balance sheets.

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- Definition The entire disclosure for allowance for credit losses. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 310 -Publisher FASB -URI https://asc.fasb.org//310/tableOfContent + Details
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