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Allowance for Credit Losses | 12 Months Ended
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Dec. 31, 2024
Allowance for Credit Losses |
Allowance for Credit Losses | 5. 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 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 second quarter of 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. During the fourth quarter of 2024, the Company also changed its framework for the single family residential portfolio to utilize a Loss Probability/Loss Severity framework (previously a Probability of Default/Loss Given Default framework). The impact of this change resulted in a $0.6 million decrease to the total ACL as of December 31, 2024. The Company’s methodology is more fully described in Note 1. Organization and Summary of Significant Accounting Policies. ​ Rollforward of the Allowance for Credit Losses ​ The following presents the activity in the ACL by class of loans and leases for the years ended December 31, 2024, 2023 and 2022: ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 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 year | ​ | $ | 14,956 | ​ | $ | 43,944 | ​ | $ | 10,392 | ​ | $ | 1,754 | ​ | $ | 36,880 | ​ | $ | 11,728 | ​ | $ | 36,879 | ​ | $ | 156,533
Charge-offs | ​ | ​ | (3,615) | ​ | ​ | (400) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (18,002) | ​ | ​ | (22,017)
Recoveries | ​ | ​ | 919 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 119 | ​ | ​ | 274 | ​ | ​ | 7,057 | ​ | ​ | 8,369
Provision | ​ | ​ | 4,072 | ​ | ​ | (2,920) | ​ | ​ | (1,822) | ​ | ​ | 515 | ​ | ​ | 2,231 | ​ | ​ | (1,797) | ​ | ​ | 17,229 | ​ | ​ | 17,508
Balance at end of year | ​ | $ | 16,332 | ​ | $ | 40,624 | ​ | $ | 8,570 | ​ | $ | 2,269 | ​ | $ | 39,230 | ​ | $ | 10,205 | ​ | $ | 43,163 | ​ | $ | 160,393
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 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 year | ​ | $ | 14,564 | ​ | $ | 43,810 | ​ | $ | 5,843 | ​ | $ | 1,551 | ​ | $ | 35,175 | ​ | $ | 8,296 | ​ | $ | 34,661 | ​ | $ | 143,900
Charge-offs | ​ | ​ | (3,482) | ​ | ​ | (2,500) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (122) | ​ | ​ | (292) | ​ | ​ | (17,110) | ​ | ​ | (23,506)
Recoveries | ​ | ​ | 3,346 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 141 | ​ | ​ | 702 | ​ | ​ | 7,090 | ​ | ​ | 11,279
Provision | ​ | ​ | 528 | ​ | ​ | 2,634 | ​ | ​ | 4,549 | ​ | ​ | 203 | ​ | ​ | 1,686 | ​ | ​ | 3,022 | ​ | ​ | 12,238 | ​ | ​ | 24,860
Balance at end of year | ​ | $ | 14,956 | ​ | $ | 43,944 | ​ | $ | 10,392 | ​ | $ | 1,754 | ​ | $ | 36,880 | ​ | $ | 11,728 | ​ | $ | 36,879 | ​ | $ | 156,533
​ ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 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 year | ​ | $ | 20,080 | ​ | $ | 42,951 | ​ | $ | 9,773 | ​ | $ | 1,659 | ​ | $ | 34,364 | ​ | $ | 5,642 | ​ | $ | 42,793 | ​ | $ | 157,262
Charge-offs | ​ | ​ | (2,012) | ​ | ​ | (750) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (103) | ​ | ​ | (1,175) | ​ | ​ | (16,848) | ​ | ​ | (20,888)
Recoveries | ​ | ​ | 897 | ​ | ​ | 14 | ​ | ​ | — | ​ | ​ | 60 | ​ | ​ | 418 | ​ | ​ | 713 | ​ | ​ | 7,545 | ​ | ​ | 9,647
Provision | ​ | ​ | (4,401) | ​ | ​ | 1,595 | ​ | ​ | (3,930) | ​ | ​ | (168) | ​ | ​ | 496 | ​ | ​ | 3,116 | ​ | ​ | 1,171 | ​ | ​ | (2,121)
Balance at end of year | ​ | $ | 14,564 | ​ | $ | 43,810 | ​ | $ | 5,843 | ​ | $ | 1,551 | ​ | $ | 35,175 | ​ | $ | 8,296 | ​ | $ | 34,661 | ​ | $ | 143,900
​ Rollforward of the Reserve for Unfunded Commitments ​ The following presents the activity in the Reserve for Unfunded Commitments for the years ended December 31, 2024, 2023 and 2022: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 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 year | ​ | $ | 9,116 | ​ | $ | 1,787 | ​ | $ | 8,048 | ​ | $ | — | ​ | $ | 24 | ​ | $ | 16,589 | ​ | $ | 41 | ​ | $ | 35,605
Provision | ​ | ​ | (1,004) | ​ | ​ | (784) | ​ | ​ | (230) | ​ | ​ | — | ​ | ​ | (21) | ​ | ​ | (696) | ​ | ​ | (23) | ​ | ​ | (2,758)
Balance at end of year | ​ | $ | 8,112 | ​ | $ | 1,003 | ​ | $ | 7,818 | ​ | $ | — | ​ | $ | 3 | ​ | $ | 15,893 | ​ | $ | 18 | ​ | $ | 32,847
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 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 year | ​ | $ | 7,811 | ​ | $ | 2,004 | ​ | $ | 7,470 | ​ | $ | — | ​ | $ | 30 | ​ | $ | 16,483 | ​ | $ | 37 | ​ | $ | 33,835
Provision | ​ | ​ | 1,305 | ​ | ​ | (217) | ​ | ​ | 578 | ​ | ​ | — | ​ | ​ | (6) | ​ | ​ | 106 | ​ | ​ | 4 | ​ | ​ | 1,770
Balance at end of year | ​ | $ | 9,116 | ​ | $ | 1,787 | ​ | $ | 8,048 | ​ | $ | — | ​ | $ | 24 | ​ | $ | 16,589 | ​ | $ | 41 | ​ | $ | 35,605
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 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 year | ​ | $ | 8,615 | ​ | $ | 2,114 | ​ | $ | 8,963 | ​ | $ | — | ​ | $ | 15 | ​ | $ | 10,546 | ​ | $ | 69 | ​ | $ | 30,322
Provision | ​ | ​ | (804) | ​ | ​ | (110) | ​ | ​ | (1,493) | ​ | ​ | — | ​ | ​ | 15 | ​ | ​ | 5,937 | ​ | ​ | (32) | ​ | ​ | 3,513
Balance at end of year | ​ | $ | 7,811 | ​ | $ | 2,004 | ​ | $ | 7,470 | ​ | $ | — | ​ | $ | 30 | ​ | $ | 16,483 | ​ | $ | 37 | ​ | $ | 33,835
​ 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 that deserves 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 December 31, 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 | ​ | $ | 163,980 | ​ | $ | 73,554 | ​ | $ | 185,433 | ​ | $ | 249,532 | ​ | $ | 17,775 | ​ | $ | 256,119 | ​ | $ | 1,118,075 | ​ | $ | 14,336 | ​ | $ | 2,078,804
Special Mention | ​ | ​ | 808 | ​ | ​ | 2,385 | ​ | ​ | 1,209 | ​ | ​ | 68 | ​ | ​ | 300 | ​ | ​ | 1,322 | ​ | ​ | 41,520 | ​ | ​ | — | ​ | ​ | 47,612
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 8,096 | ​ | ​ | 196 | ​ | ​ | 309 | ​ | ​ | 1,114 | ​ | ​ | 26,089 | ​ | ​ | — | ​ | ​ | 35,804
Other (1) | ​ | ​ | 17,132 | ​ | ​ | 8,928 | ​ | ​ | 6,937 | ​ | ​ | 2,797 | ​ | ​ | 765 | ​ | ​ | 1,279 | ​ | ​ | 47,370 | ​ | ​ | — | ​ | ​ | 85,208
Total Commercial and Industrial | ​ | ​ | 181,920 | ​ | ​ | 84,867 | ​ | ​ | 201,675 | ​ | ​ | 252,593 | ​ | ​ | 19,149 | ​ | ​ | 259,834 | ​ | ​ | 1,233,054 | ​ | ​ | 14,336 | ​ | ​ | 2,247,428
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | 578 | ​ | ​ | 335 | ​ | ​ | 105 | ​ | ​ | 221 | ​ | ​ | 2,376 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3,615
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial Real Estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 322,405 | ​ | ​ | 369,948 | ​ | ​ | 832,005 | ​ | ​ | 634,722 | ​ | ​ | 308,156 | ​ | ​ | 1,720,243 | ​ | ​ | 116,682 | ​ | ​ | 7,703 | ​ | ​ | 4,311,864
Special Mention | ​ | ​ | 9,014 | ​ | ​ | 2,252 | ​ | ​ | 7,510 | ​ | ​ | 41,399 | ​ | ​ | 3,265 | ​ | ​ | 10,860 | ​ | ​ | 11,861 | ​ | ​ | — | ​ | ​ | 86,161
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 54,952 | ​ | ​ | 1,002 | ​ | ​ | — | ​ | ​ | 9,732 | ​ | ​ | 148 | ​ | ​ | — | ​ | ​ | 65,834
Other (1) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 133 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 133
Total Commercial Real Estate | ​ | ​ | 331,419 | ​ | ​ | 372,200 | ​ | ​ | 894,467 | ​ | ​ | 677,123 | ​ | ​ | 311,421 | ​ | ​ | 1,740,968 | ​ | ​ | 128,691 | ​ | ​ | 7,703 | ​ | ​ | 4,463,992
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 400 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 400
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 91,583 | ​ | ​ | 198,382 | ​ | ​ | 332,000 | ​ | ​ | 186,682 | ​ | ​ | 41,596 | ​ | ​ | 13,824 | ​ | ​ | 14,972 | ​ | ​ | — | ​ | ​ | 879,039
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 155 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 155
Other (1) | ​ | ​ | 12,482 | ​ | ​ | 9,688 | ​ | ​ | 10,861 | ​ | ​ | 1,561 | ​ | ​ | 1,199 | ​ | ​ | 2,644 | ​ | ​ | 697 | ​ | ​ | — | ​ | ​ | 39,132
Total Construction | ​ | ​ | 104,065 | ​ | ​ | 208,070 | ​ | ​ | 342,861 | ​ | ​ | 188,243 | ​ | ​ | 42,795 | ​ | ​ | 16,623 | ​ | ​ | 15,669 | ​ | ​ | — | ​ | ​ | 918,326
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Lease Financing | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Risk rating: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 149,615 | ​ | ​ | 101,684 | ​ | ​ | 60,898 | ​ | ​ | 14,328 | ​ | ​ | 17,703 | ​ | ​ | 84,663 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 428,891
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 220 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 220
Substandard | ​ | ​ | 4,657 | ​ | ​ | 565 | ​ | ​ | 317 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 5,539
Total Lease Financing | ​ | ​ | 154,272 | ​ | ​ | 102,249 | ​ | ​ | 61,215 | ​ | ​ | 14,548 | ​ | ​ | 17,703 | ​ | ​ | 84,663 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 434,650
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Commercial Lending | ​ | $ | 771,676 | ​ | $ | 767,386 | ​ | $ | 1,500,218 | ​ | $ | 1,132,507 | ​ | $ | 391,068 | ​ | $ | 2,102,088 | ​ | $ | 1,377,414 | ​ | $ | 22,039 | ​ | $ | 8,064,396
Current period gross charge-offs | ​ | $ | — | ​ | $ | 578 | ​ | $ | 335 | ​ | $ | 105 | ​ | $ | 221 | ​ | $ | 2,776 | ​ | $ | — | ​ | $ | — | ​ | $ | 4,015
(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 | ​ | $ | 168,067 | ​ | $ | 187,710 | ​ | $ | 492,845 | ​ | $ | 946,390 | ​ | $ | 498,443 | ​ | $ | 1,115,557 | ​ | $ | — | ​ | $ | — | ​ | $ | 3,409,012
680 - 739 | ​ | ​ | 18,368 | ​ | ​ | 34,901 | ​ | ​ | 65,735 | ​ | ​ | 103,622 | ​ | ​ | 57,369 | ​ | ​ | 138,469 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 418,464
620 - 679 | ​ | ​ | 1,726 | ​ | ​ | 4,380 | ​ | ​ | 23,556 | ​ | ​ | 19,355 | ​ | ​ | 14,058 | ​ | ​ | 40,471 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 103,546
550 - 619 | ​ | ​ | — | ​ | ​ | 820 | ​ | ​ | 6,526 | ​ | ​ | 7,745 | ​ | ​ | 4,042 | ​ | ​ | 13,783 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 32,916
Less than 550 | ​ | ​ | — | ​ | ​ | 734 | ​ | ​ | 775 | ​ | ​ | 2,264 | ​ | ​ | 1,559 | ​ | ​ | 6,342 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 11,674
No Score (3) | ​ | ​ | 13,211 | ​ | ​ | 6,719 | ​ | ​ | 16,839 | ​ | ​ | 9,916 | ​ | ​ | 5,518 | ​ | ​ | 45,604 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 97,807
Other (2) | ​ | ​ | 9,456 | ​ | ​ | 12,404 | ​ | ​ | 16,564 | ​ | ​ | 14,311 | ​ | ​ | 10,769 | ​ | ​ | 28,812 | ​ | ​ | 2,419 | ​ | ​ | — | ​ | ​ | 94,735
Total Residential Mortgage | ​ | ​ | 210,828 | ​ | ​ | 247,668 | ​ | ​ | 622,840 | ​ | ​ | 1,103,603 | ​ | ​ | 591,758 | ​ | ​ | 1,389,038 | ​ | ​ | 2,419 | ​ | ​ | — | ​ | ​ | 4,168,154
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Home Equity Line | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 925,749 | ​ | ​ | 1,652 | ​ | ​ | 927,401
680 - 739 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 161,523 | ​ | ​ | 1,030 | ​ | ​ | 162,553
620 - 679 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 39,235 | ​ | ​ | 1,220 | ​ | ​ | 40,455
550 - 619 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 13,006 | ​ | ​ | 416 | ​ | ​ | 13,422
Less than 550 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 5,993 | ​ | ​ | 563 | ​ | ​ | 6,556
No Score (3) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,352 | ​ | ​ | — | ​ | ​ | 1,352
Total Home Equity Line | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,146,858 | ​ | ​ | 4,881 | ​ | ​ | 1,151,739
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Residential Lending | ​ | $ | 210,828 | ​ | $ | 247,668 | ​ | $ | 622,840 | ​ | $ | 1,103,603 | ​ | $ | 591,758 | ​ | $ | 1,389,038 | ​ | $ | 1,149,277 | ​ | $ | 4,881 | ​ | $ | 5,319,893
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer Lending | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
FICO: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
740 and greater | ​ | ​ | 92,329 | ​ | ​ | 65,738 | ​ | ​ | 84,007 | ​ | ​ | 44,192 | ​ | ​ | 14,607 | ​ | ​ | 6,897 | ​ | ​ | 101,938 | ​ | ​ | 106 | ​ | ​ | 409,814
680 - 739 | ​ | ​ | 68,371 | ​ | ​ | 46,533 | ​ | ​ | 44,504 | ​ | ​ | 21,829 | ​ | ​ | 7,652 | ​ | ​ | 5,278 | ​ | ​ | 86,935 | ​ | ​ | 509 | ​ | ​ | 281,611
620 - 679 | ​ | ​ | 30,618 | ​ | ​ | 17,728 | ​ | ​ | 19,942 | ​ | ​ | 10,252 | ​ | ​ | 4,195 | ​ | ​ | 4,152 | ​ | ​ | 50,544 | ​ | ​ | 775 | ​ | ​ | 138,206
550 - 619 | ​ | ​ | 6,108 | ​ | ​ | 6,768 | ​ | ​ | 9,312 | ​ | ​ | 5,702 | ​ | ​ | 2,574 | ​ | ​ | 3,106 | ​ | ​ | 15,641 | ​ | ​ | 778 | ​ | ​ | 49,989
Less than 550 | ​ | ​ | 2,012 | ​ | ​ | 3,950 | ​ | ​ | 5,572 | ​ | ​ | 3,594 | ​ | ​ | 1,591 | ​ | ​ | 1,830 | ​ | ​ | 5,311 | ​ | ​ | 593 | ​ | ​ | 24,453
No Score (3) | ​ | ​ | 1,881 | ​ | ​ | 106 | ​ | ​ | 38 | ​ | ​ | — | ​ | ​ | 7 | ​ | ​ | 9 | ​ | ​ | 38,932 | ​ | ​ | 176 | ​ | ​ | 41,149
Other (2) | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 277 | ​ | ​ | 887 | ​ | ​ | 99 | ​ | ​ | 956 | ​ | ​ | 76,528 | ​ | ​ | — | ​ | ​ | 78,747
Total Consumer Lending | ​ | $ | 201,319 | ​ | $ | 140,823 | ​ | $ | 163,652 | ​ | $ | 86,456 | ​ | $ | 30,725 | ​ | $ | 22,228 | ​ | $ | 375,829 | ​ | $ | 2,937 | ​ | $ | 1,023,969
Current period gross charge-offs | ​ | $ | 732 | ​ | $ | 2,055 | ​ | $ | 2,606 | ​ | $ | 1,388 | ​ | $ | 676 | ​ | $ | 2,685 | ​ | $ | 7,168 | ​ | $ | 692 | ​ | $ | 18,002
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Loans and Leases | ​ | $ | 1,183,823 | ​ | $ | 1,155,877 | ​ | $ | 2,286,710 | ​ | $ | 2,322,566 | ​ | $ | 1,013,551 | ​ | $ | 3,513,354 | ​ | $ | 2,902,520 | ​ | $ | 29,857 | ​ | $ | 14,408,258
Current period gross charge-offs | ​ | $ | 732 | ​ | $ | 2,633 | ​ | $ | 2,941 | ​ | $ | 1,493 | ​ | $ | 897 | ​ | $ | 5,461 | ​ | $ | 7,168 | ​ | $ | 692 | ​ | $ | 22,017
(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, 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 December 31, 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 December 31, 2024 and 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 December 31, 2024 and 2023, the aging analysis of the amortized cost basis of the Company’s past due loans and leases was as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 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 | ​ | $ | 1,481 | ​ | $ | 563 | ​ | $ | 1,595 | ​ | $ | 3,639 | ​ | $ | 2,243,789 | ​ | $ | 2,247,428 | ​ | $ | 1,432
Commercial real estate | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 153 | ​ | ​ | 153 | ​ | ​ | 4,463,839 | ​ | ​ | 4,463,992 | ​ | ​ | —
Construction | ​ | ​ | 434 | ​ | ​ | 1,179 | ​ | ​ | 536 | ​ | ​ | 2,149 | ​ | ​ | 916,177 | ​ | ​ | 918,326 | ​ | ​ | 536
Lease financing | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 434,650 | ​ | ​ | 434,650 | ​ | ​ | —
Residential mortgage | ​ | ​ | 19,971 | ​ | ​ | 7,478 | ​ | ​ | 9,392 | ​ | ​ | 36,841 | ​ | ​ | 4,131,313 | ​ | ​ | 4,168,154 | ​ | ​ | 1,317
Home equity line | ​ | ​ | 5,647 | ​ | ​ | 972 | ​ | ​ | 3,945 | ​ | ​ | 10,564 | ​ | ​ | 1,141,175 | ​ | ​ | 1,151,739 | ​ | ​ | —
Consumer | ​ | ​ | 17,591 | ​ | ​ | 3,946 | ​ | ​ | 2,734 | ​ | ​ | 24,271 | ​ | ​ | 999,698 | ​ | ​ | 1,023,969 | ​ | ​ | 2,734
Total | ​ | $ | 45,124 | ​ | $ | 14,138 | ​ | $ | 18,355 | ​ | $ | 77,617 | ​ | $ | 14,330,641 | ​ | $ | 14,408,258 | ​ | $ | 6,019
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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 December 31, 2024 and 2023 and the amortized cost basis of loans and leases on nonaccrual status with no allowance for credit losses as of December 31, 2024 and 2023 were as follows: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2024
​ | ​ | Nonaccrual | ​ | ​ | ​
​ | ​ | Loans | ​ | ​ | ​
​ | ​ | and Leases | ​ | ​ | ​
​ | ​ | With No | ​ | Nonaccrual
​ | ​ | Allowance | ​ | Loans
(dollars in thousands) |  | for Credit Losses | ​ | and Leases
Commercial and industrial | ​ | $ | — | ​ | $ | 329
Commercial real estate | ​ | ​ | — | ​ | ​ | 411
Residential mortgage | ​ | ​ | 4,495 | ​ | ​ | 12,768
Home equity line | ​ | ​ | 501 | ​ | ​ | 7,171
Total Nonaccrual Loans and Leases | ​ | $ | 4,996 | ​ | $ | 20,679
​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 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
​ During the years ended December 31, 2024, 2023 and 2022, the Company recognized interest income of $1.1 million, $0.6 million and $0.4 million, respectively, on nonaccrual loans and leases. Furthermore, for the years ended December 31, 2024, 2023 and 2022, the amount of accrued interest receivables written off by reversing interest income was $1.1 million, $1.0 million and $0.9 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 December 31, 2024 and 2023, the amortized cost basis of collateral-dependent loans was $39.1 million and $11.1 million, respectively. As of December 31, 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 December 31, 2024 and 2023, related to loans modified to borrowers experiencing financial difficulty during the years ended December 31, 2024 and 2023, respectively: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | Interest Rate Reduction | ​ | ​ | ​
​ | ​ | ​ | Year Ended December 31, | ​ | ​ | ​ | Year Ended December 31, | ​ | ​ | ​
​ | ​ | ​ | 2024 | ​ | ​ | ​ | 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 real estate | ​ | $ | — | ​ | — | % | ​ | $ | 5 | ​ | n/m | % | ​ | ​
Consumer | ​ | ​ | 1,485 | ​ | 0.15 | ​ | ​ | ​ | 1,161 | ​ | 0.10 | ​ | ​ | ​
Total | ​ | $ | 1,485 | ​ | 0.01 | % | ​ | $ | 1,166 | ​ | 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 year. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | Term Extension | ​ | ​ | ​
​ | ​ | ​ | Year Ended December 31, | ​ | ​ | ​ | Year Ended December 31, | ​ | ​ | ​
​ | ​ | ​ | 2024 | ​ | ​ | ​ | 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 | ​ | $ | 456 | ​ | 0.02 | % | ​ | $ | 524 | ​ | 0.02 | % | ​ | ​
Commercial real estate | ​ | ​ | 1,861 | ​ | 0.04 | ​ | ​ | ​ | 3,114 | ​ | 0.07 | ​ | ​ | ​
Construction | ​ | ​ | — | ​ | — | ​ | ​ | ​ | 665 | ​ | 0.07 | ​ | ​ | ​
Residential mortgage | ​ | ​ | 1,057 | ​ | 0.03 | ​ | ​ | ​ | 1,410 | ​ | 0.03 | ​ | ​ | ​
Consumer | ​ | ​ | 263 | ​ | 0.03 | ​ | ​ | ​ | 135 | ​ | 0.01 | ​ | ​ | ​
Total | ​ | $ | 3,637 | ​ | 0.03 | % | ​ | $ | 5,848 | ​ | 0.04 | % | ​ | ​
(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 year. ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | Other-Than-Insignificant Payment Delay | ​ | ​ | ​
​ | ​ | ​ | Year Ended December 31, | ​ | ​ | ​ | Year Ended December 31, | ​ | ​ | ​
​ | ​ | ​ | 2024 | ​ | ​ | ​ | 2023 | ​ | ​ | ​
​ | ​ | ​ | 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 | ​ | $ | 1,966 | ​ | 0.05 | % | ​ | $ | — | ​ | — | % | ​ | ​
Total | ​ | $ | 1,966 | ​ | 0.01 | % | ​ | $ | — | ​ | — | % | ​ | ​
(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 year. ​
​ 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 years ended December 31, 2024 and 2023, respectively: ​
​ | ​ | ​ | ​ | ​
​ | ​ | Interest Rate Reduction
​ | ​ | Financial Effect
​ | ​ | Year Ended December 31, 2024 | ​ | Year Ended December 31, 2023
Commercial real estate | ​ | — | ​ | Reduced weighted-average contractual interest rate by 0.75%.
Consumer | ​ | Reduced weighted-average contractual interest rate by 13.47%. | ​ | Reduced weighted-average contractual interest rate by 13.01%.
​
​ | ​ | ​ | ​ | ​
​ | ​ | Term Extension
​ | ​ | Financial Effect
​ | ​ | Year Ended December 31, 2024 | ​ | Year Ended December 31, 2023
Commercial and industrial | ​ | Added a weighted-average 3.6 years to the life of loans. | ​ | Added a weighted-average 2.1 years to the life of loans.
Commercial real estate | ​ | Added a weighted-average 0.8 years to the life of loans. | ​ | Added a weighted-average 2.1 years to the life of loans.
Construction | ​ | — | ​ | Added a weighted-average 1.0 years to the life of loans.
Residential mortgage | ​ | Added a weighted-average 0.8 years to the life of loans. | ​ | Added a weighted-average 2.1 years to the life of loans.
Consumer | ​ | Added a weighted-average 4.7 years to the life of loans. | ​ | Added a weighted-average 3.8 years to the life of loans.
​
​ | ​ | ​ | ​ | ​
​ | ​ | Other-Than-Insignificant Payment Delay
​ | ​ | Financial Effect
​ | ​ | Year Ended December 31, 2024 | ​ | Year Ended December 31, 2023
Residential mortgage | ​ | Deferred a weighted-average of $342 thousand in loan payments. | ​ | —
​ ​ The following table presents, by class of financing receivable and type of modification granted, the amortized cost basis, as of December 31, 2024 and 2023, of loans that had a payment default during the years ended December 31, 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)
​ | ​ | Year Ended December 31, 2024 | ​ | Year Ended December 31, 2023
(dollars in thousands) | ​ | Interest Rate Reduction | ​ | Term Extension | ​ | Interest Rate Reduction | ​ | Term Extension
Commercial and industrial | ​ | $ | — | ​ | $ | 121 | ​ | $ | — | ​ | $ | —
Residential mortgage | ​ | ​ | — | ​ | ​ | 316 | ​ | ​ | — | ​ | ​ | —
Consumer | ​ | ​ | 807 | ​ | ​ | 26 | ​ | ​ | 318 | ​ | ​ | 6
Total | ​ | $ | 807 | ​ | $ | 463 | ​ | $ | 318 | ​ | $ | 6
(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 year.
​ 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 December 31, 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: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | December 31, 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 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 456 | ​ | $ | 456
Commercial real estate | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,861 | ​ | ​ | 1,861
Residential mortgage | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 316 | ​ | ​ | 316 | ​ | ​ | 2,707 | ​ | ​ | 3,023
Consumer | ​ | ​ | 120 | ​ | ​ | 269 | ​ | ​ | 104 | ​ | ​ | 493 | ​ | ​ | 1,255 | ​ | ​ | 1,748
Total | ​ | $ | 120 | ​ | $ | 269 | ​ | $ | 420 | ​ | $ | 809 | ​ | $ | 6,279 | ​ | $ | 7,088
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | December 31, 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 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 524 | ​ | $ | 524
Commercial real estate | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3,119 | ​ | ​ | 3,119
Construction | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 665 | ​ | ​ | 665
Residential mortgage | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,410 | ​ | ​ | 1,410
Consumer | ​ | ​ | 107 | ​ | ​ | 70 | ​ | ​ | 15 | ​ | ​ | 192 | ​ | ​ | 1,104 | ​ | ​ | 1,296
Total | ​ | $ | 107 | ​ | $ | 70 | ​ | $ | 15 | ​ | $ | 192 | ​ | $ | 6,822 | ​ | $ | 7,014
​ The Company had commitments to extend credit, standby letters of credit, and commercial letters of credit totaling $6.0 billion and $6.5 billion as of December 31, 2024 and 2023, respectively. Of the $6.0 billion at December 31, 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 year ended December 31, 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. ​ Troubled Debt Restructuring Disclosures Prior to Adoption of ASU No. 2022-02 ​ Prior to the adoption of ASU No. 2022-02, Financial Instruments – Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures, 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 troubled debt restructuring (“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 year ended December 31, 2022, presented in accordance with Subtopic 310-40, Receivables—Troubled Debt Restructurings by Creditors: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2022
​ | ​ | Number of | ​ | Recorded | ​ | Related
(dollars in thousands) |  | Contracts(1) |  | Investment(2) |  | ACL
Commercial and industrial | ​ | 5 | ​ | $ | 205 | ​ | $ | 17
Residential mortgage | ​ | 1 | ​ | ​ | 247 | ​ | ​ | 31
Consumer | ​ | 258 | ​ | ​ | 2,173 | ​ | ​ | 443
Total | ​ | 264 | ​ | $ | 2,625 | ​ | $ | 491
(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 year.
(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 year.
​ The above loans were modified in a TDR through an extension of maturity dates, reduced payments, or below-market interest rates. The following table presents, by class, loans modified in TDRs that have defaulted during the year ended December 31, 2022 within 12 months of their permanent modification date for the year 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: ​
​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2022
​ | ​ | Number of | ​ | Recorded
(dollars in thousands) |  | Contracts(1) |  | Investment(2)
Commercial and industrial | ​ | 2 | ​ | $ | 541
Consumer | ​ | 213 | ​ | ​ | 2,623
Total | ​ | 215 | ​ | $ | 3,164
(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 year.
(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 year.
​ Foreclosed Property ​ As of both December 31, 2024 and 2023, there were no residential real estate properties held from foreclosed residential mortgage loans.

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