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Loans (Tables) | 12 Months Ended
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Dec. 31, 2024
Loans and Leases Receivable Disclosure [Abstract] |
Schedule of composition of loan portfolio by class of loan | The composition of the loan portfolio at December 31, 2024 and December 31, 2023 was as follows:
| December 31, 2024 |  |  | December 31, 2023
(In thousands) | Amortized Cost |  |  | Amortized Cost
Commercial, financial and agricultural: (1) |  |  |  |
Commercial, financial and agricultural (1) | $ | 1,267,263 |  |  |  | $ | 1,292,025 |
PPP loans | 847 |  |  |  | 2,116 |
Overdrafts | 1,475 |  |  |  | 1,499 |
Commercial real estate (1) | 1,994,332 |  |  |  | 1,875,993 |
Construction real estate: |  |  |  |
Commercial | 311,122 |  |  |  | 209,226 |
Retail | 101,455 |  |  |  | 95,873 |
Residential real estate: |  |  |  |
Commercial | 644,418 |  |  |  | 609,410 |
Mortgage | 1,346,543 |  |  |  | 1,239,861 |
HELOC | 203,459 |  |  |  | 174,349 |
Installment | 6,013 |  |  |  | 5,904 |
Consumer: |  |  |  |
Consumer | 1,908,473 |  |  |  | 1,943,869 |
Check loans | 1,899 |  |  |  | 2,067 |
Leases | 29,829 |  |  |  | 24,029 |
Total | $ | 7,817,128 |  |  |  | $ | 7,476,221 |
Allowance for credit losses | (87,966) |  |  |  | (83,745) |
Net loans | $ | 7,729,162 |  |  |  | $ | 7,392,476 |
(1) Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that were not broken out by class.
Schedule of recorded investment in nonaccrual restructured and loans past due 90 days or more and accruing | The following tables present the amortized cost of nonaccrual loans and loans past due 90 days or more and still accruing, by class of loan, at December 31, 2024 and December 31, 2023:
|  | December 31, 2024
(In thousands) |  | Nonaccrual Loans |  | Loans Past Due 90 Days or More and Accruing |  | Total Nonperforming Loans
Commercial, financial and agricultural: |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 24,241 |  |  | $ | — |  |  | $ | 24,241 |
PPP loans |  | — |  |  | — |  |  | $ | — |
Overdrafts |  | — |  |  | — |  |  | $ | — |
Commercial real estate |  | 23,230 |  |  | — |  |  | $ | 23,230 |
Construction real estate: |  |  |  |  |  |
Commercial |  | 8 |  |  | — |  |  | $ | 8 |
Retail |  | 22 |  |  | — |  |  | $ | 22 |
Residential real estate: |  |  |  |  |  |
Commercial |  | 5,700 |  |  | — |  |  | $ | 5,700 |
Mortgage |  | 11,368 |  |  | 913 |  |  | $ | 12,281 |
HELOC |  | 918 |  |  | 15 |  |  | $ | 933 |
Installment |  | 31 |  |  | — |  |  | $ | 31 |
Consumer: |  |  |  |  |  |
Consumer |  | 2,643 |  |  | 826 |  |  | $ | 3,469 |
Check loans |  | — |  |  | — |  |  | $ | — |
Leases |  | 17 |  |  | — |  |  | $ | 17 |
Total loans |  | $ | 68,178 |  |  | $ | 1,754 |  |  | $ | 69,932 |
|  | December 31, 2023
(In thousands) |  | Nonaccrual Loans |  | Loans Past Due 90 Days or More and Accruing |  | Total Nonperforming Loans
Commercial, financial and agricultural |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 21,284 |  |  | $ | 14 |  |  | $ | 21,298 |
PPP loans |  | — |  |  | — |  |  | $ | — |
Overdrafts |  | — |  |  | — |  |  | $ | — |
Commercial real estate |  | 20,740 |  |  | — |  |  | $ | 20,740 |
Construction real estate: |  |  |  |  |  |
Commercial |  | 504 |  |  | — |  |  | $ | 504 |
Retail |  | — |  |  | 26 |  |  | $ | 26 |
Residential real estate: |  |  |  |  |  |
Commercial |  | 2,670 |  |  | — |  |  | $ | 2,670 |
Mortgage |  | 11,786 |  |  | 206 |  |  | $ | 11,992 |
HELOC |  | 815 |  |  | — |  |  | $ | 815 |
Installment |  | 16 |  |  | — |  |  | $ | 16 |
Consumer |  |  |  |  |  |
Consumer |  | 2,371 |  |  | 613 |  |  | $ | 2,984 |
Check loans |  | — |  |  | — |  |  | $ | — |
Leases |  | 73 |  |  | — |  |  | $ | 73 |
Total loans |  | $ | 60,259 |  |  | $ | 859 |  |  | $ | 61,118 |
Financing Receivable, Nonaccrual | The following tables provide additional detail on nonaccrual loans and the related ACL, by class of loan, at December 31, 2024 and December 31, 2023:
|  | December 31, 2024
(In thousands) |  | Nonaccrual Loans With No ACL |  | Nonaccrual Loans With an ACL |  | Related ACL
Commercial, financial and agricultural: |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 18,778 |  |  | $ | 5,463 |  |  | $ | 1,261 |
PPP loans |  | — |  |  | — |  |  | — |
Overdrafts |  | — |  |  | — |  |  | — |
Commercial real estate |  | 23,230 |  |  | — |  |  | — |
Construction real estate: |  |  |  |  |  |
Commercial |  | 8 |  |  | — |  |  | — |
Retail |  | — |  |  | 22 |  |  | 1 |
Residential real estate: |  |  |  |  |  |
Commercial |  | 3,755 |  |  | 1,945 |  |  | 39 |
Mortgage |  | — |  |  | 11,368 |  |  | 128 |
HELOC |  | — |  |  | 918 |  |  | 154 |
Installment |  | — |  |  | 31 |  |  | 1 |
Consumer |  |  |  |  |  |
Consumer |  | — |  |  | 2,643 |  |  | 786 |
Check loans |  | — |  |  | — |  |  | — |
Leases |  | 17 |  |  | — |  |  | — |
Total loans |  | $ | 45,788 |  |  | $ | 22,390 |  |  | $ | 2,370 |
|  | December 31, 2023
(In thousands) |  | Nonaccrual Loans With No ACL |  | Nonaccrual Loans With an ACL |  | Related ACL
Commercial, financial and agricultural: |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 8,634 |  |  | $ | 12,650 |  |  | $ | 4,985 |
PPP loans |  | — |  |  | — |  |  | — |
Overdrafts |  | — |  |  | — |  |  | — |
Commercial real estate |  | 20,175 |  |  | 565 |  |  | 2 |
Construction real estate: |  |  |  |  |  |
Commercial |  | 504 |  |  | — |  |  | — |
Retail |  | — |  |  | — |  |  | — |
Residential real estate: |  |  |  |  |  |
Commercial |  | 2,670 |  |  | — |  |  | — |
Mortgage |  | — |  |  | 11,786 |  |  | 117 |
HELOC |  | — |  |  | 815 |  |  | 25 |
Installment |  | — |  |  | 16 |  |  | — |
Consumer |  |  |  |  |  |
Consumer |  | — |  |  | 2,371 |  |  | 672 |
Check loans |  | — |  |  | — |  |  | — |
Leases |  | 73 |  |  | — |  |  | — |
Total loans |  | $ | 32,056 |  |  | $ | 28,203 |  |  | $ | 5,801 |
Schedule of Collateral Dependent By Class Of Loans | The following tables provide the amortized cost basis of collateral-dependent loans by class of loan, as of December 31, 2024 and December 31, 2023:
|  | December 31, 2024
(In thousands) |  | Real Estate |  | Business Assets |  | Other | Total
Commercial, financial and agricultural |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 5,583 |  |  | $ | 11,423 |  |  | $ | 22,187 |  | $ | 39,193 |
Commercial real estate |  | 24,539 |  |  | 8 |  |  | — |  | 24,547 |
Construction real estate: |  |  |  |  |  |  |
Commercial |  | 589 |  |  | — |  |  | — |  | 589 |
Residential real estate: |  |  |  |  |  |  |
Commercial |  | 5,898 |  |  | — |  |  | — |  | 5,898 |
Mortgage |  | 78 |  |  | — |  |  | — |  | 78 |
Leases |  | — |  |  | 17 |  |  | — |  | 17 |
Total loans |  | $ | 36,687 |  |  | $ | 11,448 |  |  | $ | 22,187 |  | $ | 70,322 |
|  | December 31, 2023
(In thousands) |  | Real Estate |  | Business Assets |  | Other | Total
Commercial, financial and agricultural |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 8,137 |  |  | $ | 9,377 |  |  | $ | 3,737 |  | $ | 21,251 |
Commercial real estate |  | 22,096 |  |  | 514 |  |  | — |  | 22,610 |
Construction real estate: |  |  |  |  |  |  |
Commercial |  | 1,130 |  |  | — |  |  | — |  | 1,130 |
Residential real estate: |  |  |  |  |  |  |
Commercial |  | 2,910 |  |  | — |  |  | — |  | 2,910 |
Mortgage |  | 76 |  |  | — |  |  | — |  | 76 |
Leases |  | — |  |  | 73 |  |  | — |  | 73 |
Total loans |  | $ | 34,349 |  |  | $ | 9,964 |  |  | $ | 3,737 |  | $ | 48,050 |
Schedule of loans individually evaluated for impairment by class of loan | The following table presents interest income recognized on nonaccrual loans for the years ended December 31, 2024, 2023 and 2022:
| Interest Income Recognized
(In thousands) | December 31, 2024 |  | December 31, 2023 |  | December 31, 2022
Commercial, financial and agricultural: |  |  |  |  |
Commercial, financial and agricultural | $ | 1,595 |  |  | $ | 1,843 |  |  | $ | 438 |
PPP loans | — |  |  | — |  |  | — |
Overdrafts | — |  |  | — |  |  | — |
Commercial real estate | 1,132 |  |  | 781 |  |  | 956 |
Construction real estate: |  |  |  |  |
Commercial | 38 |  |  | 65 |  |  | 32 |
Retail | 1 |  |  | — |  |  | 13 |
Residential real estate: |  |  |  |  |
Commercial | 238 |  |  | 136 |  |  | 88 |
Mortgage | 434 |  |  | 227 |  |  | 157 |
HELOC | 16 |  |  | 20 |  |  | 16 |
Installment | — |  |  | 3 |  |  | 3 |
Consumer: |  |  |  |  |
Consumer | 134 |  |  | 97 |  |  | 59 |
Check loans |  |  |  |  |
Leases | — |  |  | — |  |  | 33 |
Total loans | $ | 3,588 |  |  | $ | 3,172 |  |  | $ | 1,795 |
Financing Receivable, Past Due | The following tables present the aging of the amortized cost in past due loans at December 31, 2024 and December 31, 2023 by class of loan:
| December 31, 2024
(In thousands) | Accruing Loans Past Due 30-89 Days |  | Past Due Nonaccrual Loans and Loans Past Due 90 Days or More and Accruing (1) |  | Total Past Due |  | Total Current (2) |  | Total Amortized Cost
Commercial, financial and agricultural: |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 1,881 |  |  | $ | 13,234 |  |  | $ | 15,115 |  |  | $ | 1,252,148 |  |  | $ | 1,267,263 |
PPP loans | 20 |  |  | — |  |  | 20 |  |  | 827 |  |  | 847 |
Overdrafts | — |  |  | — |  |  | — |  |  | 1,475 |  |  | 1,475 |
Commercial real estate | 458 |  |  | 2,594 |  |  | 3,052 |  |  | 1,991,280 |  |  | 1,994,332 |
Construction real estate: |  |  |  |  |  |  |  |  |
Commercial | — |  |  | — |  |  | — |  |  | 311,122 |  |  | 311,122 |
Retail | 100 |  |  | 22 |  |  | 122 |  |  | 101,333 |  |  | 101,455 |
Residential real estate: |  |  |  |  |  |  |  |  |
Commercial | — |  |  | 2,164 |  |  | 2,164 |  |  | 642,254 |  |  | 644,418 |
Mortgage | 13,403 |  |  | 5,946 |  |  | 19,349 |  |  | 1,327,194 |  |  | 1,346,543 |
HELOC | 438 |  |  | 620 |  |  | 1,058 |  |  | 202,401 |  |  | 203,459 |
Installment | 39 |  |  | 22 |  |  | 61 |  |  | 5,952 |  |  | 6,013 |
Consumer: |  |  |  |  |  |  |  |  |
Consumer | 10,309 |  |  | 1,195 |  |  | 11,504 |  |  | 1,896,969 |  |  | 1,908,473 |
Check loans | 3 |  |  | — |  |  | 3 |  |  | 1,896 |  |  | 1,899 |
Leases | — |  |  | — |  |  | — |  |  | 29,829 |  |  | 29,829 |
Total loans | $ | 26,651 |  |  | $ | 25,797 |  |  | $ | 52,448 |  |  | $ | 7,764,680 |  |  | $ | 7,817,128 |
(1) Includes an aggregate of $1.8 million of loans past due 90 days or more and accruing. The remaining loans were past due nonaccrual loans. (2) Includes an aggregate of $44.1 million of nonaccrual loans which were current in regards to contractual principal and interest payments.
| December 31, 2023
(in thousands) | Accruing Loans Past Due 30-89 Days |  | Past Due Nonaccrual Loans and Loans Past Due 90 Days or More and Accruing (1) |  | Total Past Due |  | Total Current (2) |  | Total Amortized Cost
Commercial, financial and agricultural |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 522 |  |  | $ | 11,629 |  |  | $ | 12,151 |  |  | $ | 1,279,874 |  |  | $ | 1,292,025 |
PPP loans | 9 |  |  | — |  |  | 9 |  |  | 2,107 |  |  | 2,116 |
Overdrafts | — |  |  | — |  |  | — |  |  | 1,499 |  |  | 1,499 |
Commercial real estate | 1,656 |  |  | 1,839 |  |  | 3,495 |  |  | 1,872,498 |  |  | 1,875,993 |
Construction real estate: |  |  |  |  |  |  |  |  |
Commercial | — |  |  | 205 |  |  | 205 |  |  | 209,021 |  |  | 209,226 |
Retail | 554 |  |  | 26 |  |  | 580 |  |  | 95,293 |  |  | 95,873 |
Residential real estate: |  |  |  |  |  |  |  |  |
Commercial | 295 |  |  | 219 |  |  | 514 |  |  | 608,896 |  |  | 609,410 |
Mortgage | 9,831 |  |  | 6,450 |  |  | 16,281 |  |  | 1,223,580 |  |  | 1,239,861 |
HELOC | 788 |  |  | 611 |  |  | 1,399 |  |  | 172,950 |  |  | 174,349 |
Installment | 52 |  |  | — |  |  | 52 |  |  | 5,852 |  |  | 5,904 |
Consumer |  |  |  |  |  |  |  |  |
Consumer | 8,974 |  |  | 1,183 |  |  | 10,157 |  |  | 1,933,712 |  |  | 1,943,869 |
Check loans | 5 |  |  | — |  |  | 5 |  |  | 2,062 |  |  | 2,067 |
Leases | — |  |  | — |  |  | — |  |  | 24,029 |  |  | 24,029 |
Total loans | $ | 22,686 |  |  | $ | 22,162 |  |  | $ | 44,848 |  |  | $ | 7,431,373 |  |  | $ | 7,476,221 |
(1) Includes an aggregate of $859,000 of loans past due 90 days or more and accruing. The remaining loans were past due nonaccrual loans. (2) Includes an aggregate of $39.0 million of nonaccrual loans which were current in regards to contractual principal and interest payments.
Financing Receivable Credit Quality Indicators | Based on the most recent analysis performed, the risk category of loans by class of loans as of December 31, 2024 and December 31, 2023 are detailed in the tables below. Also included in the tables detailing balances at December 31, 2024 and December 31, 2023 are gross charge offs for the years ended December 31, 2024 and December 31, 2023.
December 31, 2024 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Total
Commercial, financial and agricultural: Commercial, financial and agricultural (1) |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 239,260 |  | $ | 150,007 |  | $ | 97,761 |  | $ | 80,409 |  | $ | 66,032 |  | $ | 53,327 |  | $ | 506,998 |  | $ | 1,193,794 |
Special Mention | 2,709 |  | 1,222 |  | 3,819 |  | 314 |  | 818 |  | 1,467 |  | 37,447 |  | 47,796 |
Substandard | 1,574 |  | 633 |  | 264 |  | 1,879 |  | 817 |  | 5,232 |  | 12,417 |  | 22,816 |
Doubtful | 371 |  | 944 |  | 256 |  | 104 |  | 336 |  | — |  | 846 |  | 2,857 |
Total | $ | 243,914 |  | $ | 152,806 |  | $ | 102,100 |  | $ | 82,706 |  | $ | 68,003 |  | $ | 60,026 |  | $ | 557,708 |  | $ | 1,267,263 |
Current period gross charge-offs | $ | — |  | $ | 104 |  | $ | 143 |  | $ | 20 |  | $ | 1,317 |  | $ | 2,872 |  | $ | 50 |  | $ | 4,506 |
Commercial, financial and agricultural: PPP |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | — |  | $ | — |  | $ | — |  | $ | 547 |  | $ | 300 |  | $ | — |  | $ | — |  | $ | 847 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | — |  | $ | — |  | $ | — |  | $ | 547 |  | $ | 300 |  | $ | — |  | $ | — |  | $ | 847 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Commercial real estate (1) |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 329,203 |  | $ | 252,923 |  | $ | 289,622 |  | $ | 296,745 |  | $ | 276,181 |  | $ | 459,856 |  | $ | 30,203 |  | $ | 1,934,733 |
Special Mention | 3,054 |  | 2,779 |  | 11,978 |  | 4,071 |  | 5,728 |  | 7,416 |  | 1,165 |  | 36,191 |
Substandard | 2,083 |  | 1,477 |  | 3,037 |  | 3,310 |  | 2,223 |  | 7,850 |  | 2,985 |  | 22,965 |
Doubtful | — |  | — |  | 443 |  | — |  | — |  | — |  | — |  | 443 |
Total | $ | 334,340 |  | $ | 257,179 |  | $ | 305,080 |  | $ | 304,126 |  | $ | 284,132 |  | $ | 475,122 |  | $ | 34,353 |  | $ | 1,994,332 |
Current period gross charge-offs | $ | — |  | $ | 99 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 99 |
Construction real estate: Commercial |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 158,403 |  | $ | 83,233 |  | $ | 32,035 |  | $ | 2,623 |  | $ | 3,014 |  | $ | 2,783 |  | $ | 22,896 |  | $ | 304,987 |
Special Mention | 5,084 |  | — |  | 374 |  | — |  | — |  | — |  | 88 |  | 5,546 |
Substandard | 8 |  | 581 |  | — |  | — |  | — |  | — |  | — |  | 589 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 163,495 |  | $ | 83,814 |  | $ | 32,409 |  | $ | 2,623 |  | $ | 3,014 |  | $ | 2,783 |  | $ | 22,984 |  | $ | 311,122 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
December 31, 2024 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Total
Residential Real Estate: Commercial |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 120,873 |  | $ | 111,577 |  | $ | 88,292 |  | $ | 92,240 |  | $ | 102,999 |  | $ | 93,918 |  | $ | 20,455 |  | $ | 630,354 |
Special Mention | 1,403 |  | 540 |  | 661 |  | 437 |  | 831 |  | 941 |  | 3,165 |  | 7,978 |
Substandard | 351 |  | 91 |  | 2,790 |  | 324 |  | 1,262 |  | 1,123 |  | 145 |  | 6,086 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 122,627 |  | $ | 112,208 |  | $ | 91,743 |  | $ | 93,001 |  | $ | 105,092 |  | $ | 95,982 |  | $ | 23,765 |  | $ | 644,418 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Leases |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 17,537 |  | $ | 5,868 |  | $ | 3,557 |  | $ | 1,243 |  | $ | 967 |  | $ | 315 |  | $ | — |  | $ | 29,487 |
Special Mention | — |  | 46 |  | 251 |  | — |  | 28 |  | — |  | — |  | 325 |
Substandard | 17 |  | — |  | — |  | — |  | — |  | — |  | — |  | 17 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 17,554 |  | $ | 5,914 |  | $ | 3,808 |  | $ | 1,243 |  | $ | 995 |  | $ | 315 |  | $ | — |  | $ | 29,829 |
Current period gross charge-offs | $ | 8 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 8 |
Total Commercial Loans |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 865,276 |  | $ | 603,608 |  | $ | 511,267 |  | $ | 473,807 |  | $ | 449,493 |  | $ | 610,199 |  | $ | 580,552 |  | $ | 4,094,202 |
Special Mention | 12,250 |  | 4,587 |  | 17,083 |  | 4,822 |  | 7,405 |  | 9,824 |  | 41,865 |  | 97,836 |
Substandard | 4,033 |  | 2,782 |  | 6,091 |  | 5,513 |  | 4,302 |  | 14,205 |  | 15,547 |  | 52,473 |
Doubtful | 371 |  | 944 |  | 699 |  | 104 |  | 336 |  | — |  | 846 |  | 3,300 |
Total | $ | 881,930 |  | $ | 611,921 |  | $ | 535,140 |  | $ | 484,246 |  | $ | 461,536 |  | $ | 634,228 |  | $ | 638,810 |  | $ | 4,247,811 |
Current period gross charge-offs | $ | 8 |  | $ | 203 |  | $ | 143 |  | $ | 20 |  | $ | 1,317 |  | $ | 2,872 |  | $ | 50 |  | $ | 4,613 |
(1) Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that are not broken out by class.
December 31, 2023 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Total
Commercial, financial and agricultural: Commercial, financial and agricultural (1) |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 204,601 |  | $ | 149,386 |  | $ | 118,992 |  | $ | 93,495 |  | $ | 38,205 |  | $ | 45,814 |  | $ | 600,301 |  | $ | 1,250,794 |
Special Mention | 530 |  | 1,549 |  | 435 |  | 128 |  | 252 |  | 2 |  | 16,260 |  | 19,156 |
Substandard | 149 |  | 894 |  | 1,041 |  | 1,133 |  | 143 |  | 582 |  | 7,427 |  | 11,369 |
Doubtful | — |  | — |  | 39 |  | 1,771 |  | 96 |  | 7,848 |  | 952 |  | 10,706 |
Total | $ | 205,280 |  | $ | 151,829 |  | $ | 120,507 |  | $ | 96,527 |  | $ | 38,696 |  | $ | 54,246 |  | $ | 624,940 |  | $ | 1,292,025 |
Current period gross charge-offs | $ | — |  | $ | 13 |  | $ | 73 |  | $ | — |  | $ | 5 |  | $ | 52 |  | $ | 19 |  | $ | 162 |
Commercial, financial and agricultural: PPP |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | — |  | $ | — |  | $ | 925 |  | $ | 1,191 |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,116 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | — |  | $ | — |  | $ | 925 |  | $ | 1,191 |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,116 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Commercial real estate (1) |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 278,922 |  | $ | 322,096 |  | $ | 334,452 |  | $ | 318,473 |  | $ | 204,740 |  | $ | 347,389 |  | $ | 17,174 |  | $ | 1,823,246 |
Special Mention | 2,092 |  | 2,951 |  | 4,637 |  | 7,629 |  | — |  | 13,043 |  | 98 |  | 30,450 |
Substandard | 1,828 |  | 1,589 |  | 2,509 |  | 2,668 |  | 3,406 |  | 7,495 |  | 1,584 |  | 21,079 |
Doubtful | 889 |  | — |  | — |  | — |  | — |  | 329 |  | — |  | 1,218 |
Total | $ | 283,731 |  | $ | 326,636 |  | $ | 341,598 |  | $ | 328,770 |  | $ | 208,146 |  | $ | 368,256 |  | $ | 18,856 |  | $ | 1,875,993 |
Current period gross charge-offs | $ | 224 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 530 |  | $ | — |  | $ | 754 |
Construction real estate: Commercial |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 89,283 |  | $ | 77,988 |  | $ | 7,480 |  | $ | 18,195 |  | $ | 1,090 |  | $ | 2,718 |  | $ | 11,342 |  | $ | 208,096 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | 831 |  | 236 |  | 63 |  | — |  | — |  | — |  | — |  | 1,130 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 90,114 |  | $ | 78,224 |  | $ | 7,543 |  | $ | 18,195 |  | $ | 1,090 |  | $ | 2,718 |  | $ | 11,342 |  | $ | 209,226 |
Current period gross charge-offs | $ | 546 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 546 |
Residential Real Estate: Commercial |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 128,589 |  | $ | 104,008 |  | $ | 105,225 |  | $ | 117,442 |  | $ | 49,797 |  | $ | 71,489 |  | $ | 23,535 |  | $ | 600,085 |
Special Mention | — |  | 333 |  | 623 |  | 1,964 |  | 914 |  | 1,578 |  | — |  | 5,412 |
Substandard | 195 |  | 560 |  | 159 |  | 1,192 |  | 16 |  | 1,601 |  | 190 |  | 3,913 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 128,784 |  | $ | 104,901 |  | $ | 106,007 |  | $ | 120,598 |  | $ | 50,727 |  | $ | 74,668 |  | $ | 23,725 |  | $ | 609,410 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
December 31, 2023 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Total
Leases |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 11,440 |  | $ | 4,404 |  | $ | 2,197 |  | $ | 1,941 |  | $ | 356 |  | $ | 623 |  | $ | — |  | $ | 20,961 |
Special Mention | 731 |  | 1,564 |  | 391 |  | 297 |  | 10 |  | 2 |  | — |  | 2,995 |
Substandard | — |  | — |  | — |  | — |  | 67 |  | 6 |  | — |  | 73 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 12,171 |  | $ | 5,968 |  | $ | 2,588 |  | $ | 2,238 |  | $ | 433 |  | $ | 631 |  | $ | — |  | $ | 24,029 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Total Commercial Loans |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 712,835 |  | $ | 657,882 |  | $ | 569,271 |  | $ | 550,737 |  | $ | 294,188 |  | $ | 468,033 |  | $ | 652,352 |  | $ | 3,905,298 |
Special Mention | 3,353 |  | 6,397 |  | 6,086 |  | 10,018 |  | 1,176 |  | 14,625 |  | 16,358 |  | 58,013 |
Substandard | 3,003 |  | 3,279 |  | 3,772 |  | 4,993 |  | 3,632 |  | 9,684 |  | 9,201 |  | 37,564 |
Doubtful | 889 |  | — |  | 39 |  | 1,771 |  | 96 |  | 8,177 |  | 952 |  | 11,924 |
Total | $ | 720,080 |  | $ | 667,558 |  | $ | 579,168 |  | $ | 567,519 |  | $ | 299,092 |  | $ | 500,519 |  | $ | 678,863 |  | $ | 4,012,799 |
Current period gross charge-offs | $ | 770 |  | $ | 13 |  | $ | 73 |  | $ | — |  | $ | 5 |  | $ | 582 |  | $ | 19 |  | $ | 1,462 |
(1) Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that are not broken out by class. Park considers the performance of the loan portfolio and its impact on the allowance for credit losses. For residential and consumer loan classes, Park also evaluates credit quality based on the aging status of the loan, which was previously presented, and by performing status. The following tables present the amortized cost in residential and consumer loans based on performing status and gross charge-offs for the years ended December 31, 2024 and December 31, 2023. Nonperforming loans consisted of nonaccrual loans and loans past due 90 days or more and still accruing.
December 31, 2024 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Total
Commercial, financial and agricultural: Overdrafts |  |  |  |  |  |
Performing | $ | 1,475 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,475 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 1,475 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,475 |
Current period gross charge-offs | $ | 937 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 937 |
Construction Real Estate: Retail |  |  |  |  |  |
Performing | $ | 51,109 |  | $ | 26,237 |  | $ | 8,517 |  | $ | 6,233 |  | $ | 3,571 |  | $ | 5,306 |  | $ | 460 |  | $ | 101,433 |
Nonperforming | — |  | — |  | — |  | — |  | 22 |  | — |  | — |  | 22 |
Total | $ | 51,109 |  | $ | 26,237 |  | $ | 8,517 |  | $ | 6,233 |  | $ | 3,593 |  | $ | 5,306 |  | $ | 460 |  | $ | 101,455 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Residential Real Estate: Mortgage |  |  |  |  |  |
Performing | $ | 194,883 |  | $ | 236,260 |  | $ | 250,132 |  | $ | 192,193 |  | $ | 157,438 |  | $ | 303,356 |  | $ | — |  | $ | 1,334,262 |
Nonperforming | 536 |  | 721 |  | 1,324 |  | 729 |  | 1,508 |  | 7,463 |  | — |  | 12,281 |
Total | $ | 195,419 |  | $ | 236,981 |  | $ | 251,456 |  | $ | 192,922 |  | $ | 158,946 |  | $ | 310,819 |  | $ | — |  | $ | 1,346,543 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 22 |  | $ | — |  | $ | 22 |
December 31, 2024 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Total
Residential Real Estate: HELOC |  |  |  |  |  |
Performing | $ | 13 |  | $ | 153 |  | $ | 577 |  | $ | 333 |  | $ | 56 |  | $ | 1,048 |  | $ | 200,346 |  | $ | 202,526 |
Nonperforming | — |  | 39 |  | 14 |  | 56 |  | — |  | 610 |  | 214 |  | 933 |
Total | $ | 13 |  | $ | 192 |  | $ | 591 |  | $ | 389 |  | $ | 56 |  | $ | 1,658 |  | $ | 200,560 |  | $ | 203,459 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 9 |  | $ | — |  | $ | 9 |
Residential Real Estate: Installment |  |  |  |  |  |
Performing | $ | 1,198 |  | $ | 1,704 |  | $ | 133 |  | $ | — |  | $ | — |  | $ | 2,947 |  | $ | — |  | $ | 5,982 |
Nonperforming | — |  | — |  | — |  | — |  | 2 |  | 29 |  | — |  | 31 |
Total | $ | 1,198 |  | $ | 1,704 |  | $ | 133 |  | $ | — |  | $ | 2 |  | $ | 2,976 |  | $ | — |  | $ | 6,013 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Consumer: Consumer |  |  |  |  |  |  |  |
Performing | $ | 607,783 |  | $ | 454,403 |  | $ | 427,982 |  | $ | 204,806 |  | $ | 126,075 |  | $ | 76,707 |  | $ | 7,248 |  | $ | 1,905,004 |
Nonperforming | 337 |  | 1,035 |  | 928 |  | 452 |  | 310 |  | 404 |  | 3 |  | 3,469 |
Total | $ | 608,120 |  | $ | 455,438 |  | $ | 428,910 |  | $ | 205,258 |  | $ | 126,385 |  | $ | 77,111 |  | $ | 7,251 |  | $ | 1,908,473 |
Current period gross charge-offs | $ | 683 |  | $ | 3,532 |  | $ | 4,596 |  | $ | 2,328 |  | $ | 809 |  | $ | 743 |  | $ | 2 |  | $ | 12,693 |
Consumer: Check loans |  |  |  |  |  |  |  |
Performing | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,899 |  | $ | 1,899 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,899 |  | $ | 1,899 |
Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | 60 |  | 60 |
Total Consumer Loans |  |  |  |  |  |  |  |
Performing | $ | 856,461 |  | $ | 718,757 |  | $ | 687,341 |  | $ | 403,565 |  | $ | 287,140 |  | $ | 389,364 |  | $ | 209,953 |  | $ | 3,552,581 |
Nonperforming | 873 |  | 1,795 |  | 2,266 |  | 1,237 |  | 1,842 |  | 8,506 |  | 217 |  | 16,736 |
Total | $ | 857,334 |  | $ | 720,552 |  | $ | 689,607 |  | $ | 404,802 |  | $ | 288,982 |  | $ | 397,870 |  | $ | 210,170 |  | $ | 3,569,317 |
Current period gross charge-offs | $ | 1,620 |  | $ | 3,532 |  | $ | 4,596 |  | $ | 2,328 |  | $ | 809 |  | $ | 774 |  | $ | 62 |  | $ | 13,721 |
December 31, 2023 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Total
Commercial, financial and agricultural: Overdrafts |  |  |  |  |  |
Performing | $ | 1,499 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,499 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 1,499 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,499 |
Current period gross charge-offs | $ | 1,064 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,064 |
Construction Real Estate: Retail |  |  |  |  |  |
Performing | $ | 52,904 |  | $ | 24,219 |  | $ | 7,709 |  | $ | 4,251 |  | $ | 3,604 |  | $ | 2,891 |  | $ | 269 |  | $ | 95,847 |
Nonperforming | — |  | — |  | — |  | 26 |  | — |  | — |  | — |  | 26 |
Total | $ | 52,904 |  | $ | 24,219 |  | $ | 7,709 |  | $ | 4,277 |  | $ | 3,604 |  | $ | 2,891 |  | $ | 269 |  | $ | 95,873 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
December 31, 2023 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Total
Residential Real Estate: Mortgage |  |  |  |  |  |
Performing | $ | 209,315 |  | $ | 259,076 |  | $ | 218,417 |  | $ | 177,518 |  | $ | 80,627 |  | $ | 282,916 |  | $ | — |  | $ | 1,227,869 |
Nonperforming | 197 |  | 1,144 |  | 1,172 |  | 406 |  | 581 |  | 8,492 |  | — |  | 11,992 |
Total | $ | 209,512 |  | $ | 260,220 |  | $ | 219,589 |  | $ | 177,924 |  | $ | 81,208 |  | $ | 291,408 |  | $ | — |  | $ | 1,239,861 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 35 |  | $ | — |  | $ | 35 |
Residential Real Estate: HELOC |  |  |  |  |  |
Performing | $ | 99 |  | $ | 205 |  | $ | 379 |  | $ | 98 |  | $ | 221 |  | $ | 1,838 |  | $ | 170,694 |  | $ | 173,534 |
Nonperforming | — |  | — |  | — |  | — |  | 32 |  | 603 |  | 180 |  | 815 |
Total | $ | 99 |  | $ | 205 |  | $ | 379 |  | $ | 98 |  | $ | 253 |  | $ | 2,441 |  | $ | 170,874 |  | $ | 174,349 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 9 |  | $ | — |  | $ | 9 |
Residential Real Estate: Installment |  |  |  |  |  |
Performing | $ | 2,225 |  | $ | 162 |  | $ | — |  | $ | 3 |  | $ | 144 |  | $ | 3,354 |  | $ | — |  | $ | 5,888 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | 16 |  | — |  | 16 |
Total | $ | 2,225 |  | $ | 162 |  | $ | — |  | $ | 3 |  | $ | 144 |  | $ | 3,370 |  | $ | — |  | $ | 5,904 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Consumer: Consumer |  |  |  |  |  |  |  |
Performing | $ | 627,985 |  | $ | 613,019 |  | $ | 319,161 |  | $ | 214,714 |  | $ | 81,446 |  | $ | 65,955 |  | $ | 18,605 |  | $ | 1,940,885 |
Nonperforming | 395 |  | 891 |  | 654 |  | 435 |  | 216 |  | 389 |  | 4 |  | 2,984 |
Total | $ | 628,380 |  | $ | 613,910 |  | $ | 319,815 |  | $ | 215,149 |  | $ | 81,662 |  | $ | 66,344 |  | $ | 18,609 |  | $ | 1,943,869 |
Current period gross charge-offs | $ | 560 |  | $ | 3,517 |  | $ | 2,371 |  | $ | 763 |  | $ | 545 |  | $ | 480 |  | $ | 6 |  | $ | 8,242 |
Consumer: Check loans |  |  |  |  |  |  |  |
Performing | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,067 |  | $ | 2,067 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,067 |  | $ | 2,067 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 51 |  | $ | 51 |
Total Consumer Loans |  |  |  |  |  |  |  |
Performing | $ | 894,027 |  | $ | 896,681 |  | $ | 545,666 |  | $ | 396,584 |  | $ | 166,042 |  | $ | 356,954 |  | $ | 191,635 |  | $ | 3,447,589 |
Nonperforming | 592 |  | 2,035 |  | 1,826 |  | 867 |  | 829 |  | 9,500 |  | 184 |  | 15,833 |
Total | $ | 894,619 |  | $ | 898,716 |  | $ | 547,492 |  | $ | 397,451 |  | $ | 166,871 |  | $ | 366,454 |  | $ | 191,819 |  | $ | 3,463,422 |
Current period gross charge-offs | $ | 1,624 |  | $ | 3,517 |  | $ | 2,371 |  | $ | 763 |  | $ | 545 |  | $ | 524 |  | $ | 57 |  | $ | 9,401 |
Financing Receivable, Modified [Table Text Block] | The following tables present the amortized cost basis of loans at December 31, 2024 and 2023 that were both experiencing financial difficulty and modified during the years ended December 31, 2024 and 2023 by class of and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial difficulty as compared to the amortized cost basis of each class of financing receivable is also presented below.
|  | Year ended December 31, 2024
(Dollars in thousands) |  | Principal Forgiveness |  | Payment Delay |  | Term Extension |  | Interest Rate Reduction |  | Combination Term Extension and Interest Rate Reduction |  | Other |  | Total |  | Percent of Total Class of Financing Receivable
Commercial, financial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | — |  |  | $ | 54 |  |  | $ | 19,008 |  |  | $ | 765 |  |  | $ | — |  |  | $ | — |  |  | $ | 19,827 |  |  | 1.56 | %
PPP loans |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Overdrafts |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Commercial real estate |  | — |  |  | 160 |  |  | 6,508 |  |  | 718 |  |  | 533 |  |  | — |  |  | 7,919 |  |  | 0.40 | %
Construction real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | — |  |  | — |  |  | 8 |  |  | — |  |  | — |  |  | — |  |  | 8 |  |  | — | %
Retail |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | — |  |  | — |  |  | 136 |  |  | 12 |  |  | 639 |  |  | — |  |  | 787 |  |  | 0.12 | %
Mortgage |  | — |  |  | — |  |  | 574 |  |  | 84 |  |  | 82 |  |  | — |  |  | 740 |  |  | 0.05 | %
HELOC |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Installment |  | — |  |  | — |  |  | 232 |  |  | — |  |  | 92 |  |  | — |  |  | 324 |  |  | 5.39 | %
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  | — |  |  | — |  |  | — |  |  | 14 |  |  | — |  |  | — |  |  | 14 |  |  | — | %
Check loans |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Total |  | $ | — |  |  | $ | 214 |  |  | $ | 26,466 |  |  | $ | 1,593 |  |  | $ | 1,346 |  |  | $ | — |  |  | $ | 29,619 |  |  | 0.38 | %
The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the years ended December 31, 2024 and 2023:
| Year ended December 31, 2024
(Dollars in thousands) |  | Weighted Average Interest Rate Reduction |  | Weighted Average Term Extension (years) |  | Weighted Average Payment Delay (years)
Commercial, financial and agricultural: |  |  |  |  |  |
Commercial, financial and agricultural |  | (2.00) | % |  | 0.8 |  | 0.4
PPP loans |  | — | % |  | 0.0 |  | 0.0
Overdrafts |  | — | % |  | 0.0 |  | 0.0
Commercial real estate |  | (1.80) | % |  | 3.9 |  | 0.4
Construction real estate: |  |  |  |  |  |
Commercial |  | — | % |  | 0.4 |  | 0.0
Retail |  | — | % |  | 0.0 |  | 0.0
Residential real estate: |  |  |  |  |  |
Commercial |  | (0.77) | % |  | 3.1 |  | 0.0
Mortgage |  | (2.30) | % |  | 3.3 |  | 0.0
HELOC |  | — | % |  | 0.0 |  | 0.0
Installment |  | (1.28) | % |  | 9.1 |  | 0.0
Consumer: |  |  |  |  |  |
Consumer |  | (4.09) | % |  | 0.0 |  | 0.0
Check loans |  | — | % |  | 0.0 |  | 0.0
Leases |  | — | % |  | 0.0 |  | 0.0
Total |  | (1.65) | % |  | 1.8 |  | 0.4
| Year ended December 31, 2023
(Dollars in thousands) |  | Weighted Average Interest Rate Reduction |  | Weighted Average Term Extension (years)
Commercial, financial and agricultural: |  |  |  |
Commercial, financial and agricultural |  | (1.64) | % |  | 0.8
PPP loans |  | — | % |  | 0.0
Overdrafts |  | — | % |  | 0.0
Commercial real estate |  | — | % |  | 4.1
Construction real estate: |  |  |  |
Commercial |  | — | % |  | 1.6
Retail |  | — | % |  | 0.0
Residential real estate: |  |  |  |
Commercial |  | (2.75) | % |  | 1.4
Mortgage |  | (2.34) | % |  | 0.5
HELOC |  | — | % |  | 0.0
Installment |  | (1.00) | % |  | 12.1
Consumer: |  |  |  |
Consumer |  | (2.52) | % |  | 0.0
Check loans |  | — | % |  | 0.0
Leases |  | — | % |  | 0.0
Total |  | (1.82) | % |  | 1.8
Financing Receivable, Modified, Subsequent Default | The following tables present the performance of such loans that have been modified in the last 12 months for the years ended December 31, 2024 and 2023:
| Year ended December 31, 2024
(In thousands) | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due
Commercial, financial and agricultural: |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 115 |  |  | $ | — |  |  | $ | 4,611 |  |  | $ | 4,726 |
PPP loans | — |  |  | — |  |  | — |  |  | — |
Overdrafts | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | — |  |  | — |  |  | — |  |  | — |
Construction real estate: |  |  |  |  |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |
Retail | — |  |  | — |  |  | — |  |  | — |
Residential real estate: |  |  |  |  |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |
Mortgage | 71 |  |  | — |  |  | 84 |  |  | 155 |
HELOC | — |  |  | — |  |  | — |  |  | — |
Installment | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  | — |
Consumer | — |  |  | — |  |  | — |  |  | — |
Check loans | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |
Total loans | $ | 186 |  |  | $ | — |  |  | $ | 4,695 |  |  | $ | 4,881 |
| Year ended December 31, 2023
(In thousands) | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due
Commercial, financial and agricultural: |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
PPP loans | — |  |  | — |  |  | — |  |  | — |
Overdrafts | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | 219 |  |  | — |  |  | — |  |  | 219 |
Construction real estate: |  |  |  |  |  |  | — |
Commercial | — |  |  | 205 |  |  | — |  |  | 205 |
Retail | — |  |  | — |  |  | — |  |  | — |
Residential real estate: |  |  |  |  |  |  | — |
Commercial | — |  |  | — |  |  | — |  |  | — |
Mortgage | — |  |  | — |  |  | — |  |  | — |
HELOC | — |  |  | — |  |  | — |  |  | — |
Installment | 20 |  |  | — |  |  | — |  |  | 20 |
Consumer: |  |  |  |  |  |  | — |
Consumer | — |  |  | — |  |  | — |  |  | — |
Check loans | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |
Total loans | $ | 239 |  |  | $ | 205 |  |  | $ | — |  |  | $ | 444 |
The following tables present the amortized cost basis of loans that had a payment default during the years ended December 31, 2024 and 2023 and were modified in the year prior to that default to borrowers experiencing financial difficulty. For this table, a loan is considered to be in default when it becomes 30 days contractually past due under the modified terms:
| Year ended December 31, 2024
(In thousands) | Payment Delay |  | Term Extension |  | Interest Rate Reduction |  | Combination Term Extension and Interest Rate Reduction
Commercial, financial and agricultural: |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 54 |  |  | $ | 6,756 |  |  | $ | 115 |  |  | $ | — |
PPP loans | — |  |  | — |  |  | — |  |  | — |
Overdrafts | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | — |  |  | — |  |  | — |  |  | — |
Construction real estate: |  |  |  |  |  |  |
Commercial | — |  |  | — |  |  | — |  |  | — |
Retail | — |  |  | — |  |  | — |  |  | — |
Residential real estate: |  |  |  |  |  |  |
Commercial | — |  |  | — |  |  | — |  |  | — |
Mortgage | — |  |  | 47 |  |  | 84 |  |  | 71 |
HELOC | — |  |  | — |  |  | — |  |  | — |
Installment | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |
Consumer | — |  |  | — |  |  | — |  |  | — |
Check loans | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |
Total loans | $ | 54 |  |  | $ | 6,803 |  |  | $ | 199 |  |  | $ | 71 |
| Year ended December 31, 2023
(In thousands) | Term Extension |  | Interest Rate Reduction |  | Combination Term Extension and Interest Rate Reduction |  | Other
Commercial, financial and agricultural: |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 9 |
PPP loans | — |  |  | — |  |  | — |  |  | — |
Overdrafts | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | 219 |  |  | — |  |  | — |  |  | — |
Construction real estate: |  |  | — |  |  | — |  |  | — |
Commercial | 205 |  |  | — |  |  | — |  |  | — |
Retail | — |  |  | — |  |  | — |  |  | — |
Residential real estate: |  |  | — |  |  | — |  |  | — |
Commercial | — |  |  | — |  |  | 144 |  |  | — |
Mortgage | — |  |  | — |  |  | 133 |  |  | — |
HELOC | — |  |  | — |  |  | — |  |  | — |
Installment | 20 |  |  | — |  |  | — |  |  | — |
Consumer: |  |  | — |  |  | — |  |  | — |
Consumer | — |  |  | — |  |  | — |  |  | — |
Check loans | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |
Total loans | $ | 444 |  |  | $ | — |  |  | $ | 277 |  |  | $ | 9 |

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