Portfolio Loans

Summary of risk grades segregated by category of portfolio loans (excluding accretable purchase accounting adjustments and clearings)

The following table is a summary of risk grades segregated by category of portfolio loans (dollars in thousands):


	March 31, 2021
					Special				Substandard
	Pass		Watch		Mention		Substandard		Non-accrual
Commercial	$	1,830,063	$	123,390	$	78,546	$	27,423	$	7,949
Commercial real estate		2,400,446		407,244		68,900		31,212		5,164
Real estate construction		400,306		19,918		9		2,400		—
Retail real estate		1,318,247		9,879		2,376		4,302		8,495
Retail other		32,933		—		—		—		98
Portfolio loans	$	5,981,995	$	560,431	$	149,831	$	65,337	$	21,706


	December 31, 2020
					Special				Substandard
	Pass		Watch		Mention		Substandard		Non-accrual
Commercial	$	1,768,755	$	136,948	$	72,447	$	27,903	$	8,523
Commercial real estate		2,393,372		383,277		75,486		34,897		5,503
Real estate construction		434,681		24,481		77		2,546		1
Retail real estate		1,382,616		10,264		2,471		3,702		8,799
Retail other		37,324		—		—		—		104
Portfolio loans	$	6,016,748	$	554,970	$	150,481	$	69,048	$	22,930

Summary of portfolio loans that are past due and still accruing or on a non-accrual status

An analysis of the amortized cost basis of portfolio loans that are past due and still accruing, or on a non-accrual status, is as follows (dollars in thousands):


	March 31, 2021
	Loans past due, still accruing						Non-accrual
	30-59 Days		60-89 Days		90+Days		Loans
Commercial	$	52	$	2,614	$	—	$	7,949
Commercial real estate		4,377		—		—		5,164
Real estate construction		—		—		—		—
Retail real estate		2,248		621		1,149		8,495
Retail other		8		9		—		98
Past due and non-accrual loans	$	6,685	$	3,244	$	1,149	$	21,706


	December 31, 2020
	Loans past due, still accruing						Non-accrual
	30-59 Days		60-89 Days		90+Days		Loans
Commercial	$	243	$	—	$	—	$	8,523
Commercial real estate		—		—		—		5,503
Real estate construction		237		235		—		1
Retail real estate		6,248		400		1,305		8,799
Retail other		66		149		66		104
Past due and non-accrual loans	$	6,794	$	784	$	1,371	$	22,930

Schedule of details of impaired loans, segregated by category


	March 31, 2021
	Unpaid		Amortized
	Contractual		Cost		Amortized		Total				Average
	Principal		with No		Cost		Amortized		Related		Amortized
	Balance		Allowance		with Allowance		Cost		Allowance		Cost
Commercial	$	16,008	$	2,987	$	4,817	$	7,804	$	2,483	$	7,524
Commercial real estate		6,523		5,552		—		5,552		—		8,075
Real estate construction		287		287		—		287		—		450
Retail real estate		5,342		4,959		25		4,984		25		5,560
Retail other		—		—		—		—		—		—
Loans evaluated individually	$	28,160	$	13,785	$	4,842	$	18,627	$	2,508	$	21,609


	December 31, 2020
	Unpaid		Amortized
	Contractual		Cost		Amortized		Total				Average
	Principal		with No		Cost		Amortized		Related		Amortized
	Balance		Allowance		with Allowance		Cost		Allowance		Cost
Commercial	$	16,771	$	4,001	$	4,371	$	8,372	$	1,600	$	7,920
Commercial real estate		7,406		6,067		—		6,067		—		9,349
Real estate construction		292		292		—		292		—		581
Retail real estate		5,873		5,490		25		5,515		25		7,439
Retail other		—		—		—		—		—		10
Loans evaluated individually	$	30,342	$	15,850	$	4,396	$	20,246	$	1,625	$	25,299

Schedule of allowance for loan losses and recorded investments in portfolio loans, by category

The following table presents the ACL and amortized cost of portfolio loans by category (dollars in thousands):


	As of March 31, 2021
			Commercial		Real Estate		Retail Real
	Commercial		Real Estate		Construction		Estate		Retail Other		Total
ACL:
Ending balance attributed to:
Loans individually evaluated for impairment	$	2,483	$	—	$	—	$	25	$	—	$	2,508
Loans collectively evaluated for impairment		20,542		43,306		6,879		19,953		755		91,435
ACL ending balance	$	23,025	$	43,306	$	6,879	$	19,978	$	755	$	93,943

Loans:
Loans individually evaluated for impairment	$	7,804	$	3,644	$	287	$	4,613	$	—	$	16,348
Loans collectively evaluated for impairment		2,059,567		2,907,414		422,346		1,338,315		33,031		6,760,673
PCD loans evaluated for impairment		—		1,908		—		371		—		2,279
Loans ending balance	$	2,067,371	$	2,912,966	$	422,633	$	1,343,299	$	33,031	$	6,779,300


	As of December 31, 2020
			Commercial		Real Estate		Retail Real
	Commercial		Real Estate		Construction		Estate		Retail Other		Total
ACL:
Ending balance attributed to:
Loans individually evaluated for impairment	$	1,600	$	—	$	—	$	25	$	—	$	1,625
Loans collectively evaluated for impairment		22,266		46,230		8,193		21,967		767		99,423
ACL ending balance	$	23,866	$	46,230	$	8,193	$	21,992	$	767	$	101,048

Loans:
Loans individually evaluated for impairment	$	8,372	$	4,161	$	292	$	5,149	$	—	$	17,974
Loans collectively evaluated for impairment		2,006,204		2,886,468		461,494		1,402,337		37,428		6,793,931
PCD loans evaluated for impairment		—		1,906		—		366		—		2,272
Loans ending balance	$	2,014,576	$	2,892,535	$	461,786	$	1,407,852	$	37,428	$	6,814,177