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Allowance for Credit Losses | 9 Months Ended
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Sep. 30, 2024
Allowance for Credit Losses |
Allowance for Credit Losses | 4. Allowance for Credit Losses ​ The Company maintains the allowance for credit losses for loans and leases (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 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. ​ During the three months ended June 30, 2024, the Company updated its methodology for one of its quantitative models to estimate the total ACL (inclusive of the allowance for credit losses for loans and leases and the reserve for unfunded commitments) by changing from a one-variable forward-looking macroeconomic outlook model to a multi-variable forward-looking macroeconomic outlook model. The impact of this update was a reduction to the total ACL of $9.0 million as of June 30, 2024. Additionally, the Company updated certain components of its qualitative adjustments, resulting in a $5.8 million increase to the total ACL as of June 30, 2024. The net impact of these updates was a net $3.2 million decrease to the total ACL as of June 30, 2024. The Company’s methodology is more fully described in our Annual Report on Form 10-K for the year ended December 31, 2023 and should be read in conjunction with these unaudited interim consolidated financial statements as of and for the three and nine months ended September 30, 2024. ​ 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, 2024 and 2023: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended September 30, 2024
​ | ​ | 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 | ​ | $ | 14,713 | ​ | $ | 44,412 | ​ | $ | 9,331 | ​ | $ | 2,352 | ​ | $ | 46,152 | ​ | $ | 9,183 | ​ | $ | 34,374 | ​ | $ | 160,517
Charge-offs | ​ | ​ | (1,178) | ​ | ​ | (400) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (4,192) | ​ | ​ | (5,770)
Recoveries | ​ | ​ | 160 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 31 | ​ | ​ | 86 | ​ | ​ | 1,560 | ​ | ​ | 1,837
Provision | ​ | ​ | (470) | ​ | ​ | 1 | ​ | ​ | 481 | ​ | ​ | (62) | ​ | ​ | (3,287) | ​ | ​ | 1,268 | ​ | ​ | 9,185 | ​ | ​ | 7,116
Balance at end of period | ​ | $ | 13,225 | ​ | $ | 44,013 | ​ | $ | 9,812 | ​ | $ | 2,290 | ​ | $ | 42,896 | ​ | $ | 10,537 | ​ | $ | 40,927 | ​ | $ | 163,700
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nine Months Ended September 30, 2024
​ | ​ | 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 | ​ | $ | 14,956 | ​ | $ | 43,944 | ​ | $ | 10,392 | ​ | $ | 1,754 | ​ | $ | 36,880 | ​ | $ | 11,728 | ​ | $ | 36,879 | ​ | $ | 156,533
Charge-offs | ​ | ​ | (2,764) | ​ | ​ | (400) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (13,228) | ​ | ​ | (16,392)
Recoveries | ​ | ​ | 621 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 89 | ​ | ​ | 242 | ​ | ​ | 5,199 | ​ | ​ | 6,151
Provision | ​ | ​ | 412 | ​ | ​ | 469 | ​ | ​ | (580) | ​ | ​ | 536 | ​ | ​ | 5,927 | ​ | ​ | (1,433) | ​ | ​ | 12,077 | ​ | ​ | 17,408
Balance at end of period | ​ | $ | 13,225 | ​ | $ | 44,013 | ​ | $ | 9,812 | ​ | $ | 2,290 | ​ | $ | 42,896 | ​ | $ | 10,537 | ​ | $ | 40,927 | ​ | $ | 163,700
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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
​ 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, 2024 and 2023: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended September 30, 2024
​ | ​ | 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 | ​ | $ | 7,947 | ​ | $ | 1,435 | ​ | $ | 7,122 | ​ | $ | — | ​ | $ | 8 | ​ | $ | 16,879 | ​ | $ | 22 | ​ | $ | 33,413
Provision | ​ | ​ | 104 | ​ | ​ | (262) | ​ | ​ | 643 | ​ | ​ | — | ​ | ​ | 14 | ​ | ​ | (240) | ​ | ​ | 25 | ​ | ​ | 284
Balance at end of period | ​ | $ | 8,051 | ​ | $ | 1,173 | ​ | $ | 7,765 | ​ | $ | — | ​ | $ | 22 | ​ | $ | 16,639 | ​ | $ | 47 | ​ | $ | 33,697
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Nine Months Ended September 30, 2024
​ | ​ | 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 | ​ | $ | 9,116 | ​ | $ | 1,787 | ​ | $ | 8,048 | ​ | $ | — | ​ | $ | 24 | ​ | $ | 16,589 | ​ | $ | 41 | ​ | $ | 35,605
Provision | ​ | ​ | (1,065) | ​ | ​ | (614) | ​ | ​ | (283) | ​ | ​ | — | ​ | ​ | (2) | ​ | ​ | 50 | ​ | ​ | 6 | ​ | ​ | (1,908)
Balance at end of period | ​ | $ | 8,051 | ​ | $ | 1,173 | ​ | $ | 7,765 | ​ | $ | — | ​ | $ | 22 | ​ | $ | 16,639 | ​ | $ | 47 | ​ | $ | 33,697
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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
​ 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, 2024 was as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Converted | ​ | ​ | ​
​ | ​ | Term Loans | ​ | Revolving | ​ | to Term | ​ | ​ | ​
​ | ​ | Amortized Cost Basis by Origination Year | ​ | Loans | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized | ​ | Amortized | ​ | ​ | ​
(dollars in thousands) | ​ | 2024 | ​ | 2023 | ​ | 2022 | ​ | 2021 | ​ | 2020 | ​ | Prior | ​ | Cost Basis | ​ | Cost Basis | ​ | Total
Commercial Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and Industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 100,174 | ​ | $ | 82,175 | ​ | $ | 191,861 | ​ | $ | 256,997 | ​ | $ | 20,866 | ​ | $ | 266,720 | ​ | $ | 1,026,457 | ​ | $ | 13,396 | ​ | $ | 1,958,646
Special Mention | ​ | ​ | 303 | ​ | ​ | 1 | ​ | ​ | 7,327 | ​ | ​ | 48 | ​ | ​ | 398 | ​ | ​ | 1,371 | ​ | ​ | 18,239 | ​ | ​ | — | ​ | ​ | 27,687
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 8,251 | ​ | ​ | 219 | ​ | ​ | 358 | ​ | ​ | 2,033 | ​ | ​ | 32,296 | ​ | ​ | — | ​ | ​ | 43,157
Other (1) | ​ | ​ | 10,797 | ​ | ​ | 10,542 | ​ | ​ | 7,779 | ​ | ​ | 3,074 | ​ | ​ | 1,052 | ​ | ​ | 1,723 | ​ | ​ | 45,620 | ​ | ​ | — | ​ | ​ | 80,587
Total Commercial and Industrial | ​ | ​ | 111,274 | ​ | ​ | 92,718 | ​ | ​ | 215,218 | ​ | ​ | 260,338 | ​ | ​ | 22,674 | ​ | ​ | 271,847 | ​ | ​ | 1,122,612 | ​ | ​ | 13,396 | ​ | ​ | 2,110,077
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | 578 | ​ | ​ | 333 | ​ | ​ | 89 | ​ | ​ | 221 | ​ | ​ | 1,543 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,764
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial Real Estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 118,884 | ​ | ​ | 347,480 | ​ | ​ | 810,746 | ​ | ​ | 649,133 | ​ | ​ | 325,887 | ​ | ​ | 1,774,529 | ​ | ​ | 87,188 | ​ | ​ | 7,760 | ​ | ​ | 4,121,607
Special Mention | ​ | ​ | 3,587 | ​ | ​ | 2,261 | ​ | ​ | 7,537 | ​ | ​ | 41,384 | ​ | ​ | 3,306 | ​ | ​ | 11,973 | ​ | ​ | 7,815 | ​ | ​ | — | ​ | ​ | 77,863
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 54,984 | ​ | ​ | 1,003 | ​ | ​ | — | ​ | ​ | 9,548 | ​ | ​ | 149 | ​ | ​ | — | ​ | ​ | 65,684
Other (1) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 135 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 135
Total Commercial Real Estate | ​ | ​ | 122,471 | ​ | ​ | 349,741 | ​ | ​ | 873,267 | ​ | ​ | 691,520 | ​ | ​ | 329,193 | ​ | ​ | 1,796,185 | ​ | ​ | 95,152 | ​ | ​ | 7,760 | ​ | ​ | 4,265,289
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 400 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 400
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 61,677 | ​ | ​ | 246,176 | ​ | ​ | 361,974 | ​ | ​ | 241,212 | ​ | ​ | 58,820 | ​ | ​ | 46,344 | ​ | ​ | 4,484 | ​ | ​ | — | ​ | ​ | 1,020,687
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 164 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 164
Other (1) | ​ | ​ | 4,970 | ​ | ​ | 9,468 | ​ | ​ | 12,022 | ​ | ​ | 3,575 | ​ | ​ | 1,199 | ​ | ​ | 3,463 | ​ | ​ | 701 | ​ | ​ | — | ​ | ​ | 35,398
Total Construction | ​ | ​ | 66,647 | ​ | ​ | 255,644 | ​ | ​ | 373,996 | ​ | ​ | 244,787 | ​ | ​ | 60,019 | ​ | ​ | 49,971 | ​ | ​ | 5,185 | ​ | ​ | — | ​ | ​ | 1,056,249
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Lease Financing | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 126,380 | ​ | ​ | 105,523 | ​ | ​ | 66,764 | ​ | ​ | 15,483 | ​ | ​ | 23,133 | ​ | ​ | 89,254 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 426,537
Special Mention | ​ | ​ | — | ​ | ​ | 42 | ​ | ​ | 100 | ​ | ​ | 300 | ​ | ​ | 5 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 447
Substandard | ​ | ​ | 4,899 | ​ | ​ | 602 | ​ | ​ | 343 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 5,844
Total Lease Financing | ​ | ​ | 131,279 | ​ | ​ | 106,167 | ​ | ​ | 67,207 | ​ | ​ | 15,783 | ​ | ​ | 23,138 | ​ | ​ | 89,254 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 432,828
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Commercial Lending | ​ | $ | 431,671 | ​ | $ | 804,270 | ​ | $ | 1,529,688 | ​ | $ | 1,212,428 | ​ | $ | 435,024 | ​ | $ | 2,207,257 | ​ | $ | 1,222,949 | ​ | $ | 21,156 | ​ | $ | 7,864,443
Current period gross charge-offs | ​ | $ | — | ​ | $ | 578 | ​ | $ | 333 | ​ | $ | 89 | ​ | $ | 221 | ​ | $ | 1,943 | ​ | $ | — | ​ | $ | — | ​ | $ | 3,164
(continued)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Converted | ​ | ​ | ​
​ | ​ | Term Loans | ​ | Revolving | ​ | to Term | ​ | ​ | ​
​ | ​ | Amortized Cost Basis by Origination Year | ​ | Loans | ​ | Loans | ​ | ​ | ​
(continued) | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized | ​ | Amortized | ​ | ​ | ​
(dollars in thousands) | ​ | 2024 | ​ | 2023 | ​ | 2022 | ​ | 2021 | ​ | 2020 | ​ | Prior | ​ | Cost Basis | ​ | Cost Basis | ​ | Total
Residential Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential Mortgage | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | $ | 113,307 | ​ | $ | 206,224 | ​ | $ | 504,141 | ​ | $ | 956,983 | ​ | $ | 503,160 | ​ | $ | 1,129,857 | ​ | $ | — | ​ | $ | — | ​ | $ | 3,413,672
680 - 739 | ​ | ​ | 11,614 | ​ | ​ | 28,638 | ​ | ​ | 65,128 | ​ | ​ | 109,018 | ​ | ​ | 66,719 | ​ | ​ | 157,263 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 438,380
620 - 679 | ​ | ​ | 1,519 | ​ | ​ | 1,792 | ​ | ​ | 22,921 | ​ | ​ | 19,854 | ​ | ​ | 11,651 | ​ | ​ | 37,979 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 95,716
550 - 619 | ​ | ​ | — | ​ | ​ | 896 | ​ | ​ | 3,703 | ​ | ​ | 6,707 | ​ | ​ | 2,269 | ​ | ​ | 15,751 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 29,326
Less than 550 | ​ | ​ | — | ​ | ​ | 286 | ​ | ​ | 2,380 | ​ | ​ | 3,818 | ​ | ​ | 2,959 | ​ | ​ | 5,569 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 15,012
No Score (3) | ​ | ​ | 543 | ​ | ​ | 7,117 | ​ | ​ | 16,923 | ​ | ​ | 10,512 | ​ | ​ | 5,553 | ​ | ​ | 52,526 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 93,174
Other (2) | ​ | ​ | 8,148 | ​ | ​ | 12,786 | ​ | ​ | 16,721 | ​ | ​ | 14,776 | ​ | ​ | 11,222 | ​ | ​ | 30,022 | ​ | ​ | 8,105 | ​ | ​ | — | ​ | ​ | 101,780
Total Residential Mortgage | ​ | ​ | 135,131 | ​ | ​ | 257,739 | ​ | ​ | 631,917 | ​ | ​ | 1,121,668 | ​ | ​ | 603,533 | ​ | ​ | 1,428,967 | ​ | ​ | 8,105 | ​ | ​ | — | ​ | ​ | 4,187,060
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Home Equity Line | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 930,909 | ​ | ​ | 1,730 | ​ | ​ | 932,639
680 - 739 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 167,097 | ​ | ​ | 1,137 | ​ | ​ | 168,234
620 - 679 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 36,540 | ​ | ​ | 985 | ​ | ​ | 37,525
550 - 619 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 14,514 | ​ | ​ | 581 | ​ | ​ | 15,095
Less than 550 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,477 | ​ | ​ | 571 | ​ | ​ | 5,048
No Score (3) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,282 | ​ | ​ | — | ​ | ​ | 1,282
Total Home Equity Line | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,154,819 | ​ | ​ | 5,004 | ​ | ​ | 1,159,823
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Residential Lending | ​ | $ | 135,131 | ​ | $ | 257,739 | ​ | $ | 631,917 | ​ | $ | 1,121,668 | ​ | $ | 603,533 | ​ | $ | 1,428,967 | ​ | $ | 1,162,924 | ​ | $ | 5,004 | ​ | $ | 5,346,883
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | ​ | 71,777 | ​ | ​ | 71,423 | ​ | ​ | 94,710 | ​ | ​ | 51,952 | ​ | ​ | 18,512 | ​ | ​ | 10,435 | ​ | ​ | 121,278 | ​ | ​ | 128 | ​ | ​ | 440,215
680 - 739 | ​ | ​ | 51,651 | ​ | ​ | 51,667 | ​ | ​ | 49,864 | ​ | ​ | 23,959 | ​ | ​ | 9,995 | ​ | ​ | 7,497 | ​ | ​ | 77,278 | ​ | ​ | 525 | ​ | ​ | 272,436
620 - 679 | ​ | ​ | 21,223 | ​ | ​ | 20,604 | ​ | ​ | 21,700 | ​ | ​ | 12,515 | ​ | ​ | 5,155 | ​ | ​ | 5,577 | ​ | ​ | 35,665 | ​ | ​ | 851 | ​ | ​ | 123,290
550 - 619 | ​ | ​ | 4,116 | ​ | ​ | 7,348 | ​ | ​ | 9,802 | ​ | ​ | 5,983 | ​ | ​ | 2,862 | ​ | ​ | 3,862 | ​ | ​ | 12,674 | ​ | ​ | 825 | ​ | ​ | 47,472
Less than 550 | ​ | ​ | 1,071 | ​ | ​ | 3,266 | ​ | ​ | 6,247 | ​ | ​ | 3,999 | ​ | ​ | 1,783 | ​ | ​ | 2,492 | ​ | ​ | 4,836 | ​ | ​ | 525 | ​ | ​ | 24,219
No Score (3) | ​ | ​ | 2,291 | ​ | ​ | 117 | ​ | ​ | 47 | ​ | ​ | — | ​ | ​ | 7 | ​ | ​ | 8 | ​ | ​ | 42,658 | ​ | ​ | 205 | ​ | ​ | 45,333
Other (2) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 296 | ​ | ​ | 911 | ​ | ​ | 101 | ​ | ​ | 981 | ​ | ​ | 74,790 | ​ | ​ | — | ​ | ​ | 77,079
Total Consumer Lending | ​ | $ | 152,129 | ​ | $ | 154,425 | ​ | $ | 182,666 | ​ | $ | 99,319 | ​ | $ | 38,415 | ​ | $ | 30,852 | ​ | $ | 369,179 | ​ | $ | 3,059 | ​ | $ | 1,030,044
Current period gross charge-offs | ​ | $ | 385 | ​ | $ | 1,403 | ​ | $ | 2,107 | ​ | $ | 1,085 | ​ | $ | 518 | ​ | $ | 2,234 | ​ | $ | 4,952 | ​ | $ | 544 | ​ | $ | 13,228
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Loans and Leases | ​ | $ | 718,931 | ​ | $ | 1,216,434 | ​ | $ | 2,344,271 | ​ | $ | 2,433,415 | ​ | $ | 1,076,972 | ​ | $ | 3,667,076 | ​ | $ | 2,755,052 | ​ | $ | 29,219 | ​ | $ | 14,241,370
Current period gross charge-offs | ​ | $ | 385 | ​ | $ | 1,981 | ​ | $ | 2,440 | ​ | $ | 1,174 | ​ | $ | 739 | ​ | $ | 4,177 | ​ | $ | 4,952 | ​ | $ | 544 | ​ | $ | 16,392
(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 (680 and above). As of September 30, 2024, the majority of the loans in this population were current.
(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. As of September 30, 2024, the majority of the loans in this population were current.
(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, 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 | ​ | $ | 85,839 | ​ | $ | 273,663 | ​ | $ | 346,024 | ​ | $ | 32,753 | ​ | $ | 146,893 | ​ | $ | 141,681 | ​ | $ | 971,065 | ​ | $ | 1,823 | ​ | $ | 1,999,741
Special Mention | ​ | ​ | 1 | ​ | ​ | 44,069 | ​ | ​ | 80 | ​ | ​ | 653 | ​ | ​ | 1,032 | ​ | ​ | 1,290 | ​ | ​ | 22,807 | ​ | ​ | 14 | ​ | ​ | 69,946
Substandard | ​ | ​ | — | ​ | ​ | 342 | ​ | ​ | 230 | ​ | ​ | 677 | ​ | ​ | 1,686 | ​ | ​ | 829 | ​ | ​ | 8,330 | ​ | ​ | — | ​ | ​ | 12,094
Other (1) | ​ | ​ | 15,978 | ​ | ​ | 11,598 | ​ | ​ | 4,814 | ​ | ​ | 2,370 | ​ | ​ | 1,702 | ​ | ​ | 1,125 | ​ | ​ | 45,981 | ​ | ​ | — | ​ | ​ | 83,568
Total Commercial and Industrial | ​ | ​ | 101,818 | ​ | ​ | 329,672 | ​ | ​ | 351,148 | ​ | ​ | 36,453 | ​ | ​ | 151,313 | ​ | ​ | 144,925 | ​ | ​ | 1,048,183 | ​ | ​ | 1,837 | ​ | ​ | 2,165,349
Current period gross charge-offs | ​ | ​ | 130 | ​ | ​ | 70 | ​ | ​ | 75 | ​ | ​ | 87 | ​ | ​ | 168 | ​ | ​ | 2,952 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3,482
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial Real Estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 346,369 | ​ | ​ | 872,783 | ​ | ​ | 676,362 | ​ | ​ | 337,529 | ​ | ​ | 523,446 | ​ | ​ | 1,414,613 | ​ | ​ | 74,238 | ​ | ​ | 1,350 | ​ | ​ | 4,246,690
Special Mention | ​ | ​ | 2,307 | ​ | ​ | 7,618 | ​ | ​ | 41,320 | ​ | ​ | 1,359 | ​ | ​ | 13,550 | ​ | ​ | 11,998 | ​ | ​ | 819 | ​ | ​ | — | ​ | ​ | 78,971
Substandard | ​ | ​ | 205 | ​ | ​ | 5,079 | ​ | ​ | 2,003 | ​ | ​ | — | ​ | ​ | 2,953 | ​ | ​ | 2,545 | ​ | ​ | 1,655 | ​ | ​ | — | ​ | ​ | 14,440
Other (1) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 142 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 142
Total Commercial Real Estate | ​ | ​ | 348,881 | ​ | ​ | 885,480 | ​ | ​ | 719,685 | ​ | ​ | 338,888 | ​ | ​ | 539,949 | ​ | ​ | 1,429,298 | ​ | ​ | 76,712 | ​ | ​ | 1,350 | ​ | ​ | 4,340,243
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,500 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,500
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 156,432 | ​ | ​ | 269,623 | ​ | ​ | 265,674 | ​ | ​ | 60,057 | ​ | ​ | 63,018 | ​ | ​ | 27,847 | ​ | ​ | 6,070 | ​ | ​ | — | ​ | ​ | 848,721
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 189 | ​ | ​ | 665 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 854
Other (1) | ​ | ​ | 12,728 | ​ | ​ | 21,036 | ​ | ​ | 8,250 | ​ | ​ | 2,143 | ​ | ​ | 2,031 | ​ | ​ | 3,820 | ​ | ​ | 709 | ​ | ​ | — | ​ | ​ | 50,717
Total Construction | ​ | ​ | 169,160 | ​ | ​ | 290,659 | ​ | ​ | 273,924 | ​ | ​ | 62,200 | ​ | ​ | 65,238 | ​ | ​ | 32,332 | ​ | ​ | 6,779 | ​ | ​ | — | ​ | ​ | 900,292
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Lease Financing | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 145,914 | ​ | ​ | 82,833 | ​ | ​ | 18,680 | ​ | ​ | 31,791 | ​ | ​ | 30,299 | ​ | ​ | 68,520 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 378,037
Special Mention | ​ | ​ | 56 | ​ | ​ | 137 | ​ | ​ | 414 | ​ | ​ | 35 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 642
Substandard | ​ | ​ | 712 | ​ | ​ | 416 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,130
Total Lease Financing | ​ | ​ | 146,682 | ​ | ​ | 83,386 | ​ | ​ | 19,094 | ​ | ​ | 31,826 | ​ | ​ | 30,301 | ​ | ​ | 68,520 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 379,809
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Commercial Lending | ​ | $ | 766,541 | ​ | $ | 1,589,197 | ​ | $ | 1,363,851 | ​ | $ | 469,367 | ​ | $ | 786,801 | ​ | $ | 1,675,075 | ​ | $ | 1,131,674 | ​ | $ | 3,187 | ​ | $ | 7,785,693
Current period gross charge-offs | ​ | $ | 130 | ​ | $ | 70 | ​ | $ | 75 | ​ | $ | 87 | ​ | $ | 2,668 | ​ | $ | 2,952 | ​ | $ | — | ​ | $ | — | ​ | $ | 5,982
(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 | ​ | $ | 211,598 | ​ | $ | 529,296 | ​ | $ | 999,522 | ​ | $ | 529,881 | ​ | $ | 227,058 | ​ | $ | 987,251 | ​ | $ | — | ​ | $ | — | ​ | $ | 3,484,606
680 - 739 | ​ | ​ | 36,975 | ​ | ​ | 67,205 | ​ | ​ | 117,337 | ​ | ​ | 68,122 | ​ | ​ | 33,148 | ​ | ​ | 130,387 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 453,174
620 - 679 | ​ | ​ | 3,544 | ​ | ​ | 16,395 | ​ | ​ | 19,184 | ​ | ​ | 12,811 | ​ | ​ | 4,096 | ​ | ​ | 38,987 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 95,017
550 - 619 | ​ | ​ | 1,305 | ​ | ​ | 6,521 | ​ | ​ | 1,917 | ​ | ​ | 2,492 | ​ | ​ | 398 | ​ | ​ | 11,679 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 24,312
Less than 550 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,909 | ​ | ​ | 2,017 | ​ | ​ | 582 | ​ | ​ | 6,439 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 11,947
No Score (3) | ​ | ​ | 9,137 | ​ | ​ | 19,311 | ​ | ​ | 11,492 | ​ | ​ | 6,043 | ​ | ​ | 9,679 | ​ | ​ | 51,109 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 106,771
Other (2) | ​ | ​ | 15,802 | ​ | ​ | 17,528 | ​ | ​ | 17,432 | ​ | ​ | 12,534 | ​ | ​ | 8,599 | ​ | ​ | 25,513 | ​ | ​ | 10,080 | ​ | ​ | — | ​ | ​ | 107,488
Total Residential Mortgage | ​ | ​ | 278,361 | ​ | ​ | 656,256 | ​ | ​ | 1,169,793 | ​ | ​ | 633,900 | ​ | ​ | 283,560 | ​ | ​ | 1,251,365 | ​ | ​ | 10,080 | ​ | ​ | — | ​ | ​ | 4,283,315
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 122 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 122
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Home Equity Line | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 964,932 | ​ | ​ | 1,511 | ​ | ​ | 966,443
680 - 739 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 151,716 | ​ | ​ | 1,920 | ​ | ​ | 153,636
620 - 679 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 36,541 | ​ | ​ | 1,189 | ​ | ​ | 37,730
550 - 619 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 9,896 | ​ | ​ | 1,012 | ​ | ​ | 10,908
Less than 550 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 4,488 | ​ | ​ | 100 | ​ | ​ | 4,588
No Score (3) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,283 | ​ | ​ | — | ​ | ​ | 1,283
Total Home Equity Line | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,168,856 | ​ | ​ | 5,732 | ​ | ​ | 1,174,588
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 273 | ​ | ​ | 19 | ​ | ​ | 292
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Residential Lending | ​ | $ | 278,361 | ​ | $ | 656,256 | ​ | $ | 1,169,793 | ​ | $ | 633,900 | ​ | $ | 283,560 | ​ | $ | 1,251,365 | ​ | $ | 1,178,936 | ​ | $ | 5,732 | ​ | $ | 5,457,903
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 122 | ​ | $ | 273 | ​ | $ | 19 | ​ | $ | 414
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | ​ | 92,117 | ​ | ​ | 128,358 | ​ | ​ | 76,148 | ​ | ​ | 33,507 | ​ | ​ | 21,819 | ​ | ​ | 8,970 | ​ | ​ | 123,592 | ​ | ​ | 155 | ​ | ​ | 484,666
680 - 739 | ​ | ​ | 68,865 | ​ | ​ | 71,031 | ​ | ​ | 37,925 | ​ | ​ | 17,116 | ​ | ​ | 13,270 | ​ | ​ | 5,690 | ​ | ​ | 76,645 | ​ | ​ | 401 | ​ | ​ | 290,943
620 - 679 | ​ | ​ | 28,533 | ​ | ​ | 29,229 | ​ | ​ | 16,919 | ​ | ​ | 7,843 | ​ | ​ | 7,972 | ​ | ​ | 4,624 | ​ | ​ | 35,210 | ​ | ​ | 781 | ​ | ​ | 131,111
550 - 619 | ​ | ​ | 4,996 | ​ | ​ | 10,859 | ​ | ​ | 7,760 | ​ | ​ | 4,917 | ​ | ​ | 4,651 | ​ | ​ | 2,986 | ​ | ​ | 13,223 | ​ | ​ | 925 | ​ | ​ | 50,317
Less than 550 | ​ | ​ | 1,790 | ​ | ​ | 6,370 | ​ | ​ | 4,842 | ​ | ​ | 2,796 | ​ | ​ | 2,905 | ​ | ​ | 2,040 | ​ | ​ | 5,222 | ​ | ​ | 455 | ​ | ​ | 26,420
No Score (3) | ​ | ​ | 1,545 | ​ | ​ | 229 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1 | ​ | ​ | 10 | ​ | ​ | 42,933 | ​ | ​ | 136 | ​ | ​ | 44,854
Other (2) | ​ | ​ | 361 | ​ | ​ | 368 | ​ | ​ | 982 | ​ | ​ | 335 | ​ | ​ | 1,059 | ​ | ​ | 1 | ​ | ​ | 78,484 | ​ | ​ | — | ​ | ​ | 81,590
Total Consumer Lending | ​ | $ | 198,207 | ​ | $ | 246,444 | ​ | $ | 144,576 | ​ | $ | 66,514 | ​ | $ | 51,677 | ​ | $ | 24,321 | ​ | $ | 375,309 | ​ | $ | 2,853 | ​ | $ | 1,109,901
Current period gross charge-offs | ​ | $ | 639 | ​ | $ | 2,400 | ​ | $ | 2,135 | ​ | $ | 1,142 | ​ | $ | 1,816 | ​ | $ | 2,622 | ​ | $ | 5,790 | ​ | $ | 566 | ​ | $ | 17,110
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Loans and Leases | ​ | $ | 1,243,109 | ​ | $ | 2,491,897 | ​ | $ | 2,678,220 | ​ | $ | 1,169,781 | ​ | $ | 1,122,038 | ​ | $ | 2,950,761 | ​ | $ | 2,685,919 | ​ | $ | 11,772 | ​ | $ | 14,353,497
Current period gross charge-offs | ​ | $ | 769 | ​ | $ | 2,470 | ​ | $ | 2,210 | ​ | $ | 1,229 | ​ | $ | 4,484 | ​ | $ | 5,696 | ​ | $ | 6,063 | ​ | $ | 585 | ​ | $ | 23,506
(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 (680 and above). As of December 31, 2023, the majority of the loans in this population were current.
(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. As of December 31, 2023, the majority of the loans in this population were current.
(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, 2024 and December 31, 2023. ​ 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, 2024 and December 31, 2023, the aging analysis of the amortized cost basis of the Company’s past due loans and leases was as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2024
​ | ​ | 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 | ​ | $ | 2,118 | ​ | $ | 670 | ​ | $ | 1,463 | ​ | $ | 4,251 | ​ | $ | 2,105,826 | ​ | $ | 2,110,077 | ​ | $ | 529
Commercial real estate | ​ | ​ | — | ​ | ​ | 246 | ​ | ​ | 720 | ​ | ​ | 966 | ​ | ​ | 4,264,323 | ​ | ​ | 4,265,289 | ​ | ​ | 568
Construction | ​ | ​ | 1,179 | ​ | ​ | 139 | ​ | ​ | — | ​ | ​ | 1,318 | ​ | ​ | 1,054,931 | ​ | ​ | 1,056,249 | ​ | ​ | —
Lease financing | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 432,828 | ​ | ​ | 432,828 | ​ | ​ | —
Residential mortgage | ​ | ​ | 15,356 | ​ | ​ | 4,631 | ​ | ​ | 6,425 | ​ | ​ | 26,412 | ​ | ​ | 4,160,648 | ​ | ​ | 4,187,060 | ​ | ​ | 931
Home equity line | ​ | ​ | 4,659 | ​ | ​ | 891 | ​ | ​ | 3,408 | ​ | ​ | 8,958 | ​ | ​ | 1,150,865 | ​ | ​ | 1,159,823 | ​ | ​ | —
Consumer | ​ | ​ | 15,227 | ​ | ​ | 2,939 | ​ | ​ | 2,515 | ​ | ​ | 20,681 | ​ | ​ | 1,009,363 | ​ | ​ | 1,030,044 | ​ | ​ | 2,515
Total | ​ | $ | 38,539 | ​ | $ | 9,516 | ​ | $ | 14,531 | ​ | $ | 62,586 | ​ | $ | 14,178,784 | ​ | $ | 14,241,370 | ​ | $ | 4,543
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 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 | ​ | $ | 2,611 | ​ | $ | 349 | ​ | $ | 1,464 | ​ | $ | 4,424 | ​ | $ | 2,160,925 | ​ | $ | 2,165,349 | ​ | $ | 494
Commercial real estate | ​ | ​ | — | ​ | ​ | 196 | ​ | ​ | 300 | ​ | ​ | 496 | ​ | ​ | 4,339,747 | ​ | ​ | 4,340,243 | ​ | ​ | 300
Construction | ​ | ​ | 25,191 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 25,191 | ​ | ​ | 875,101 | ​ | ​ | 900,292 | ​ | ​ | —
Lease financing | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 379,809 | ​ | ​ | 379,809 | ​ | ​ | —
Residential mortgage | ​ | ​ | 5,244 | ​ | ​ | 1,475 | ​ | ​ | 4,720 | ​ | ​ | 11,439 | ​ | ​ | 4,271,876 | ​ | ​ | 4,283,315 | ​ | ​ | —
Home equity line | ​ | ​ | 5,940 | ​ | ​ | 624 | ​ | ​ | 3,550 | ​ | ​ | 10,114 | ​ | ​ | 1,164,474 | ​ | ​ | 1,174,588 | ​ | ​ | —
Consumer | ​ | ​ | 23,259 | ​ | ​ | 3,897 | ​ | ​ | 2,702 | ​ | ​ | 29,858 | ​ | ​ | 1,080,043 | ​ | ​ | 1,109,901 | ​ | ​ | 2,702
Total | ​ | $ | 62,245 | ​ | $ | 6,541 | ​ | $ | 12,736 | ​ | $ | 81,522 | ​ | $ | 14,271,975 | ​ | $ | 14,353,497 | ​ | $ | 3,496
​ 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, 2024 and December 31, 2023 and the amortized cost basis of loans and leases on nonaccrual status with no ACL as of September 30, 2024 and December 31, 2023 were as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2024
​ | ​ | Nonaccrual | ​ | ​ | ​
​ | ​ | Loans | ​ | ​ | ​
​ | ​ | and Leases | ​ | ​ | ​
​ | ​ | With No | ​ | Nonaccrual
​ | ​ | Allowance | ​ | Loans
(dollars in thousands) |  | for Credit Losses | ​ | and Leases
Commercial and industrial | ​ | $ | — | ​ | $ | 934
Commercial real estate | ​ | ​ | — | ​ | ​ | 152
Residential mortgage | ​ | ​ | 3,264 | ​ | ​ | 9,103
Home equity line | ​ | ​ | 1,651 | ​ | ​ | 7,645
Total Nonaccrual Loans and Leases | ​ | $ | 4,915 | ​ | $ | 17,834
​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2023
​ | ​ | Nonaccrual | ​ | ​ | ​
​ | ​ | Loans | ​ | ​ | ​
​ | ​ | and Leases | ​ | ​ | ​
​ | ​ | With No | ​ | Nonaccrual
​ | ​ | Allowance | ​ | Loans
(dollars in thousands) |  | for Credit Losses | ​ | and Leases
Commercial and industrial | ​ | $ | — | ​ | $ | 970
Commercial real estate | ​ | ​ | 2,685 | ​ | ​ | 2,953
Residential mortgage | ​ | ​ | 2,667 | ​ | ​ | 7,620
Home equity line | ​ | ​ | 1,163 | ​ | ​ | 7,052
Total Nonaccrual Loans and Leases | ​ | $ | 6,515 | ​ | $ | 18,595
​ For the three and nine months ended September 30, 2024, the Company recognized interest income of $0.3 million and $0.8 million, respectively, on nonaccrual loans and leases. 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. Furthermore, for the three and nine months ended September 30, 2024, the amount of accrued interest receivables written off by reversing interest income was $0.3 million and $0.8 million, respectively, and 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. ​ 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, 2024 and December 31, 2023, the amortized cost basis of collateral-dependent loans were $29.8 million and $11.1 million, respectively. As of September 30, 2024, these loans were primarily collateralized by residential real estate property and borrower assets and the fair value of collateral on substantially all collateral-dependent loans were significantly in excess of their amortized cost basis. As of December 31, 2023, 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 ​ 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, 2024 and 2023, related to loans modified to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2024 and 2023, respectively: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Interest Rate Reduction
​ | ​ | ​ | Three Months Ended | ​ | ​ | ​ | Nine Months Ended | ​
​ | ​ | ​ | September 30, 2024 | ​ | ​ | ​ | September 30, 2024 | ​
​ | ​ | ​ | Amortized | ​ | % of Total Class | ​ | ​ | ​ | Amortized | ​ | % of Total Class | ​
(dollars in thousands) | ​ |  | Cost Basis(1) | ​ | of Financing Receivable | ​ |  |  | Cost Basis(1) | ​ | of Financing Receivable | ​
Consumer | ​ | $ | 416 | ​ | 0.04 | % | ​ | $ | 1,384 | ​ | 0.13 | %
Total | ​ | $ | 416 | ​ | n/m | % | ​ | $ | 1,384 | ​ | n/m | %
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.
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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, 2024 | ​ | ​ | ​ | September 30, 2024 | ​
​ | ​ | ​ | 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 | ​ | $ | 115 | ​ | n/m | % | ​ | $ | 371 | ​ | 0.02 | %
Commercial real estate | ​ | ​ | 705 | ​ | 0.02 | ​ | ​ | ​ | 1,873 | ​ | 0.04 | ​
Residential mortgage | ​ | ​ | — | ​ | — | ​ | ​ | ​ | 1,077 | ​ | 0.03 | ​
Consumer | ​ | ​ | 90 | ​ | n/m | ​ | ​ | ​ | 213 | ​ | 0.02 | ​
Total | ​ | $ | 910 | ​ | n/m | % | ​ | $ | 3,534 | ​ | 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.
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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.
​ ​ ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Other-Than-Insignificant Payment Delay
​ | ​ | ​ | Three Months Ended | ​ | ​ | ​ | Nine Months Ended | ​
​ | ​ | ​ | September 30, 2024 | ​ | ​ | ​ | September 30, 2024 | ​
​ | ​ | ​ | Amortized | ​ | % of Total Class | ​ | ​ | ​ | Amortized | ​ | % of Total Class | ​
(dollars in thousands) | ​ |  | Cost Basis(1) | ​ | of Financing Receivable | ​ |  |  | Cost Basis(1) | ​ | of Financing Receivable | ​
Residential mortgage | ​ | $ | — | ​ | — | % | ​ | $ | 1,062 | ​ | 0.03 | %
Total | ​ | $ | — | ​ | — | % | ​ | $ | 1,062 | ​ | n/m | %
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, 2024 and 2023, respectively: ​
​ | ​ | ​ | ​ | ​
​ | ​ | Interest Rate Reduction
​ | ​ | Financial Effect
​ | ​ | Three Months Ended September 30, 2024 | ​ | Nine Months Ended September 30, 2024
Consumer | ​ | Reduced weighted-average contractual interest rate by 13.41%. | ​ | Reduced weighted-average contractual interest rate by 13.53%.
​
​ | ​ | ​ | ​ | ​
​ | ​ | 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, 2024 | ​ | Nine Months Ended September 30, 2024
Commercial and industrial | ​ | Added a weighted-average 5.0 years to the life of loans. | ​ | Added a weighted-average 4.3 years to the life of loans.
Commercial real estate | ​ | Added a weighted-average 0.4 years to the life of loans. | ​ | Added a weighted-average 0.8 years to the life of loans.
Residential mortgage | ​ | — | ​ | Added a weighted-average 0.8 years to the life of loans.
Consumer | ​ | Added a weighted-average 5.0 years to the life of loans. | ​ | Added a weighted-average 4.5 years to the life of loans.
​
​ | ​ | ​ | ​ | ​
​ | ​ | 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.
​
​ | ​ | ​ | ​ | ​
​ | ​ | Other-Than-Insignificant Payment Delay
​ | ​ | Financial Effect
​ | ​ | Three Months Ended September 30, 2024 | ​ | Nine Months Ended September 30, 2024
Residential mortgage | ​ | — | ​ | Deferred an average of $172 thousand in loan payments.
​ ​ The following table presents, by class of financing receivable and type of modification granted, the amortized cost basis, as of September 30, 2024 and 2023, of loans that had a payment default during the three and nine months ended September 30, 2024 and 2023, respectively, 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, 2024 | ​ | Nine Months Ended September 30, 2024
(dollars in thousands) | ​ | Interest Rate Reduction | ​ | Term Extension | ​ | Interest Rate Reduction | ​ | Term Extension
Commercial and industrial | ​ | $ | — | ​ | $ | 122 | ​ | $ | — | ​ | $ | 122
Residential mortgage | ​ | ​ | — | ​ | ​ | 323 | ​ | ​ | — | ​ | ​ | 323
Consumer | ​ | ​ | 452 | ​ | ​ | 24 | ​ | ​ | 584 | ​ | ​ | 24
Total | ​ | $ | 452 | ​ | $ | 469 | ​ | $ | 584 | ​ | $ | 469
(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.
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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 | ​ | Term Extension | ​ | Interest Rate Reduction | ​ | Term Extension
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, 2024 and 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, 2024
​ | ​ | ​ | 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 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 371 | ​ | $ | 371
Commercial real estate | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,308 | ​ | ​ | 2,308
Residential mortgage | ​ | ​ | — | ​ | ​ | 323 | ​ | ​ | — | ​ | ​ | 323 | ​ | ​ | 1,816 | ​ | ​ | 2,139
Consumer | ​ | ​ | 141 | ​ | ​ | 102 | ​ | ​ | 79 | ​ | ​ | 322 | ​ | ​ | 1,544 | ​ | ​ | 1,866
Total | ​ | $ | 141 | ​ | $ | 425 | ​ | $ | 79 | ​ | $ | 645 | ​ | $ | 6,039 | ​ | $ | 6,684
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | 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 $6.5 billion as of September 30, 2024 and December 31, 2023. Of the $6.5 billion at September 30, 2024, there were no commitments 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, term extension, or other-than-insignificant payment delay during the nine months ended September 30, 2024. Of the $6.5 billion at December 31, 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 year ended December 31, 2023. ​ Foreclosed Property ​ As of both September 30, 2024 and December 31, 2023, there were no residential real estate properties held from foreclosed residential mortgage loans.

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