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Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Schedule of allowance for credit losses on loans and liabilities for off-balance sheet credit exposures and amortized cost basis of collateral dependent loans | The following tables detail activity in the allowance for credit losses on loans for the three and nine months ended September 30, 2025 and 2024. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
(In thousands) | Commercial & Industrial | Commercial Real Estate | Residential Real Estate | Consumer and Other | Finance Leases | Total
Three Months Ended September 30, 2025 |  |  |  |
Allowance for credit losses:
Beginning balance | $ | 9,160 | $ | 35,765 | $ | 12,065 | $ | 1,509 | $ | 56 | $ | 58,555
Charge-offs | (738) | 0 | 0 | (595) | 0 | (1,333)
Recoveries | 18 | 0 | 55 | 140 | 0 | 213
Provision (credit) for credit loss expense | 3,092 | 360 | (1,242) | 245 | (1) | 2,454
Ending Balance | $ | 11,532 | $ | 36,125 | $ | 10,878 | $ | 1,299 | $ | 55 | $ | 59,889
Three Months Ended September 30, 2024 |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | $ | 7,412 | $ | 32,559 |  | $ | 11,569 |  | $ | 1,451 |  | $ | 68 |  | $ | 53,059 |
Charge-offs | (253) | 0 |  | 0 |  | (796) |  | 0 |  | (1,049) |
Recoveries | 11 | 3 |  | 5 |  | 118 |  | 0 |  | 137 |
Provision (credit) for credit loss expense | 444 | 1,302 |  | 802 |  | 694 |  | (5) |  | 3,237 |
Ending Balance | $ | 7,614 | $ | 33,864 |  | $ | 12,376 |  | $ | 1,467 |  | $ | 63 |  | $ | 55,384 |
(In thousands) | Commercial & Industrial | Commercial Real Estate | Residential Real Estate | Consumer and Other | Finance Leases | Total
Nine Months Ended September 30, 2025 |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | $ | 7,684 | $ | 35,837 |  | $ | 11,345 |  | $ | 1,568 |  | $ | 62 |  | $ | 56,496 |
Charge-offs | (936) | (4,882) |  | 0 |  | (1,892) |  | 0 |  | (7,710) |
Recoveries | 69 | 4 |  | 90 |  | 440 |  | 0 |  | 603 |
Provision (credit) for credit loss expense | 4,715 | 5,166 |  | (557) |  | 1,183 |  | (7) |  | 10,500 |
Ending Balance | $ | 11,532 | $ | 36,125 |  | $ | 10,878 |  | $ | 1,299 |  | $ | 55 |  | $ | 59,889 |
Nine Months Ended September 30, 2024 |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | $ | 6,667 | $ | 31,581 |  | $ | 11,700 |  | $ | 1,557 |  | $ | 79 |  | $ | 51,584 |
Charge-offs | (283) | 0 |  | 0 |  | (1,867) |  | 0 |  | (2,150) |
Recoveries | 29 | 6 |  | 130 |  | 336 |  | 0 |  | 501 |
Provision (credit) for credit loss expense | 1,201 | 2,277 |  | 546 |  | 1,441 |  | (16) |  | 5,449 |
Ending Balance | $ | 7,614 | $ | 33,864 |  | $ | 12,376 |  | $ | 1,467 |  | $ | 63 |  | $ | 55,384 |
The following tables detail activity in the liabilities for off-balance sheet credit exposures for the three and nine months ended September 30, 2025 and 2024:
(In thousands) | 2025 | 2024
Three Months Ended September 30,
Liabilities for off-balance sheet credit exposures at beginning of period | $ | 1,484 |  | $ | 3,084 |
Provision (Credit) for credit loss expense related to off-balance sheet credit exposures | 36 |  | (1,063) |
Liabilities for off-balance sheet credit exposures at end of period | $ | 1,520 |  | $ | 2,021 |
Nine Months Ended September 30, |  |
Liabilities for off-balance sheet credit exposures at beginning of period | $ | 1,463 |  | $ | 2,270 |
Provision for credit loss expense related to off-balance sheet credit exposures | 57 |  | (249) |
Liabilities for off-balance sheet credit exposures at end of period | $ | 1,520 |  | $ | 2,021 |
The following tables present the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related allowance for credit losses allocated to these loans, as of September 30, 2025 and December 31, 2024:
(In thousands) | Real Estate | Business Assets | Other | Total | ACL Allocation
September 30, 2025 |  |  |  |  |
Commercial and Industrial | $ | 482 |  | $ | 0 |  | $ | 0 |  | $ | 482 |  | $ | 250 |
Commercial Real Estate | 29,163 |  | 0 |  | 0 |  | 29,163 |  | 2,797 |
Total Loans and Leases | $ | 29,645 |  | $ | 0 |  | $ | 0 |  | $ | 29,645 |  | $ | 3,047 |
December 31, 2024 |  |  |  |  |
Commercial and Industrial | $ | 610 |  | $ | 0 |  | $ | 0 |  | $ | 610 |  | $ | 0 |
Commercial Real Estate | 31,051 |  | 0 |  | 0 |  | 31,051 |  | 1,712 |
Total Loans and Leases | $ | 31,661 |  | $ | 0 |  | $ | 0 |  | $ | 31,661 |  | $ | 1,712 |
Schedule of loan modifications to borrowers experiencing financial difficulty | The following table shows the amortized cost basis as of September 30, 2025 and December 31, 2024 of the modified loans to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted:
(In thousands) | Term Extension | Interest Rate Reduction | Payment Delay and Term Extension | Term Extension and Interest Rate Reduction | Payment Delay | Total | % of Total Class of Loans and Leases
September 30, 2025 |  |  |  |  |  |  |
Commercial and Industrial |  |  |  |  |  |  |
Commercial and industrial other | $ | 89 |  | $ | 420 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 509 |  | 0.05 | %
Subtotal commercial and industrial | 89 |  | 420 |  | 0 |  | 0 |  | 0 |  | 509 |  | 0.05 | %
Commercial Real Estate |  |  |  |  |  |  |
Commercial real estate other | 0 |  | 2,891 |  | 0 |  | 0 |  | 385 |  | 3,276 |  | 0.11 | %
Subtotal commercial real estate | 0 |  | 2,891 |  | 0 |  | 0 |  | 385 |  | 3,276 |  | 0.09 | %
Residential |  |  |  |  |  |  |
Home equity | 0 |  | 0 |  | 0 |  | 50 |  | 0 |  | 50 |  | 0.02 | %
Mortgages | 0 |  | 0 |  | 0 |  | 109 |  | 970 |  | 1,079 |  | 0.08 | %
Subtotal residential | 0 |  | 0 |  | 0 |  | 159 |  | 970 |  | 1,129 |  | 0.07 | %
Consumer |  |  |  |  |  |  |
Consumer and other | 23 |  | 0 |  | 0 |  | 0 |  | 0 |  | 23 |  | 0.03 | %
Subtotal consumer | 23 |  | 0 |  | 0 |  | 0 |  | 0 |  | 23 |  | 0.03 | %
Total loans and leases | $ | 112 |  | $ | 3,311 |  | $ | 0 |  | $ | 159 |  | $ | 1,355 |  | $ | 4,937 |  | 0.08 | %
(In thousands) | Term Extension | Interest Rate Reduction | Payment Delay and Term Extension | Term Extension and Interest Rate Reduction | Payment Delay | Total | % of Total Class of Loans and Leases
December 31, 2024 |  |  |  |  |  |  |
Commercial and Industrial |  |  |  |  |  |  |
Commercial and industrial other | $ | 10 |  | $ | 463 |  | $ | 0 |  | $ | 110 |  | $ | 45 |  | $ | 628 |  | 0.07 | %
Subtotal commercial and industrial | 10 |  | 463 |  | 0 |  | 110 |  | 45 |  | 628 |  | 0.07 | %
Commercial Real Estate |  |  |  |  |  |  |
Commercial real estate other | 0 |  | 2,990 |  | 0 |  | 0 |  | 394 |  | 3,384 |  | 0.12 | %
Subtotal commercial real estate | 0 |  | 2,990 |  | 0 |  | 0 |  | 394 |  | 3,384 |  | 0.10 | %
Residential |  |  |  |  |  |  |
Home equity | 0 |  | 0 |  | 0 |  | 40 |  | 0 |  | 40 |  | 0.02 | %
Mortgages | 0 |  | 0 |  | 0 |  | 112 |  | 548 |  | 660 |  | 0.05 | %
Subtotal residential | 0 |  | 0 |  | 0 |  | 152 |  | 548 |  | 700 |  | 0.04 | %
Consumer |  |  |  |  |  |  |
Consumer and other | 22 |  | 0 |  | 0 |  | 0 |  | 0 |  | 22 |  | 0.02 | %
Subtotal consumer | 22 |  | 0 |  | 0 |  | 0 |  | 0 |  | 22 |  | 0.02 | %
Total loans and leases | $ | 32 |  | $ | 3,453 |  | $ | 0 |  | $ | 262 |  | $ | 987 |  | $ | 4,734 |  | 0.08 | %
The following table shows the aging analysis of loan modifications made to borrowers experiencing financial difficulty as of September 30, 2025 and December 31, 2024:
| Payment Status (Amortized Cost Basis)
(In thousands) | Current | 30-59 Days Past Due | 60-89 Days Past Due | 90+ Days Past Due | Non-Accrual | Total
September 30, 2025 |  |  |  |  |  |
Commercial and Industrial |  |  |  |  |  |
Commercial and industrial other | $ | 505 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 4 |  | $ | 509 |
Subtotal commercial and industrial | 505 |  | 0 |  | 0 |  | 0 |  | 4 |  | 509 |
Commercial Real Estate |  |  |  |  |  |
Commercial real estate other | 3,276 |  | 0 |  | 0 |  | 0 |  | 0 |  | 3,276 |
Subtotal commercial real estate | 3,276 |  | 0 |  | 0 |  | 0 |  | 0 |  | 3,276 |
Residential Real Estate |  |  |  |  |  |
Home equity | 50 |  | 0 |  | 0 |  | 0 |  | 0 |  | 50 |
Mortgages | 261 |  | 0 |  | 0 |  | 0 |  | 818 |  | 1,079 |
Subtotal residential real estate | 311 |  | 0 |  | 0 |  | 0 |  | 818 |  | 1,129 |
Consumer and Other |  |  |  |  |  |
Consumer and other | 23 |  | 0 |  | 0 |  | 0 |  | 0 |  | 23 |
Subtotal consumer and other | 23 |  | 0 |  | 0 |  | 0 |  | 0 |  | 23 |
Total | $ | 4,115 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 822 |  | $ | 4,937 |
| Payment Status (Amortized Cost Basis)
(In thousands) | Current | 30-59 Days Past Due | 60-89 Days Past Due | 90+ Days Past Due | Non-Accrual | Total
December 31, 2024 |  |  |  |  |  |
Commercial and Industrial |  |  |  |  |  |
Commercial and industrial other | $ | 618 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 10 |  | $ | 628 |
Subtotal commercial and industrial | 618 |  | 0 |  | 0 |  | 0 |  | 10 |  | 628 |
Commercial Real Estate |  |  |  |  |  |
Commercial real estate other | 3,384 |  | 0 |  | 0 |  | 0 |  | 0 |  | 3,384 |
Subtotal commercial real estate | 3,384 |  | 0 |  | 0 |  | 0 |  | 0 |  | 3,384 |
Residential Real Estate |  |  |  |  |  |
Home equity | 0 |  | 0 |  | 0 |  | 0 |  | 40 |  | 40 |
Mortgages | 154 |  | 0 |  | 112 |  | 0 |  | 394 |  | 660 |
Subtotal residential real estate | 154 |  | 0 |  | 112 |  | 0 |  | 434 |  | 700 |
Consumer and Other |  |  |  |  |  |
Consumer and other | 0 |  | 0 |  | 0 |  | 0 |  | 22 |  | 22 |
Subtotal consumer and other | 0 |  | 0 |  | 0 |  | 0 |  | 22 |  | 22 |
Total | $ | 4,156 |  | $ | 0 |  | $ | 112 |  | $ | 0 |  | $ | 466 |  | $ | 4,734 |
Schedule of credit quality indicators by total loans on an amortized cost basis | The following tables present credit quality indicators by total loans on an amortized cost basis by origination year as of September 30, 2025 and December 31, 2024:
September 30, 2025 |  |  |  |  |  |  |  |
(In thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total Loans
Commercial and Industrial - Other: |  |  |  |  |  |
Pass | $ | 116,818 |  | $ | 160,017 |  | $ | 100,931 |  | $ | 55,850 |  | $ | 41,891 |  | $ | 157,356 |  | $ | 250,115 |  | $ | 3,075 |  | $ | 886,053 |
Special Mention | 130 |  | 485 |  | 1,301 |  | 21,217 |  | 57 |  | 1,501 |  | 23,626 |  | 0 |  | 48,317 |
Substandard | 0 |  | 447 |  | 196 |  | 0 |  | 427 |  | 456 |  | 2,515 |  | 190 |  | 4,231 |
Total Commercial and Industrial - Other | $ | 116,948 |  | $ | 160,949 |  | $ | 102,428 |  | $ | 77,067 |  | $ | 42,375 |  | $ | 159,313 |  | $ | 276,256 |  | $ | 3,265 |  | $ | 938,601 |
Current-period gross writeoffs | $ | 138 |  | $ | 380 |  | $ | 85 |  | $ | 66 |  | $ | 254 |  | $ | 13 |  | $ | 0 |  | $ | 0 |  | $ | 936 |
Commercial and Industrial - Agriculture: |  |  |  |  |  |
Pass | $ | 9,959 |  | $ | 11,862 |  | $ | 24,477 |  | $ | 8,204 |  | $ | 1,698 |  | $ | 6,815 |  | $ | 38,344 |  | $ | 383 |  | $ | 101,742 |
Special Mention | 0 |  | 0 |  | 0 |  | 0 |  | 26 |  | 0 |  | 0 |  | 0 |  | 26 |
Substandard | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 29 |  | 0 |  | 0 |  | 29 |
Total Commercial and Industrial - Agriculture | $ | 9,959 |  | $ | 11,862 |  | $ | 24,477 |  | $ | 8,204 |  | $ | 1,724 |  | $ | 6,844 |  | $ | 38,344 |  | $ | 383 |  | $ | 101,797 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Commercial Real Estate |  |  |  |  |  |
Pass | $ | 265,343 |  | $ | 323,283 |  | $ | 266,662 |  | $ | 332,272 |  | $ | 354,721 |  | $ | 1,251,036 |  | $ | 66,634 |  | $ | 30,415 |  | $ | 2,890,366 |
Special Mention | 6,500 |  | 0 |  | 0 |  | 1,479 |  | 580 |  | 31,336 |  | 0 |  | 0 |  | 39,895 |
Substandard | 0 |  | 399 |  | 927 |  | 1,149 |  | 1,462 |  | 29,301 |  | 831 |  | 0 |  | 34,069 |
Total Commercial Real Estate | $ | 271,843 |  | $ | 323,682 |  | $ | 267,589 |  | $ | 334,900 |  | $ | 356,763 |  | $ | 1,311,673 |  | $ | 67,465 |  | $ | 30,415 |  | $ | 2,964,330 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 2,000 |  | $ | 2,884 |  | $ | 0 |  | $ | 0 |  | $ | 4,884 |
Commercial Real Estate - Agriculture: |  |  |  |  |  |
Pass | $ | 13,648 |  | $ | 24,237 |  | $ | 11,641 |  | $ | 39,874 |  | $ | 20,694 |  | $ | 107,171 |  | $ | 6,944 |  | $ | 2,156 |  | $ | 226,365 |
Special Mention | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 160 |  | 0 |  | 0 |  | 160 |
Substandard | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 131 |  | 0 |  | 0 |  | 131 |
Total Commercial Real Estate - Agriculture | $ | 13,648 |  | $ | 24,237 |  | $ | 11,641 |  | $ | 39,874 |  | $ | 20,694 |  | $ | 107,462 |  | $ | 6,944 |  | $ | 2,156 |  | $ | 226,656 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Commercial Real Estate - Construction |  |  |  |  |  |
Pass | $ | 6,195 |  | $ | 34,179 |  | $ | 6,622 |  | $ | 1,846 |  | $ | 14,376 |  | $ | 321 |  | $ | 297,581 |  | $ | 3,256 |  | $ | 364,376 |
Special Mention | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |
Substandard | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 17,302 |  | 0 |  | 17,302 |
Total Commercial Real Estate - Construction | $ | 6,195 |  | $ | 34,179 |  | $ | 6,622 |  | $ | 1,846 |  | $ | 14,376 |  | $ | 321 |  | $ | 314,883 |  | $ | 3,256 |  | $ | 381,678 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
(In thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total Loans
Residential - Home Equity |  |  |  |  |  |  |
Performing | $ | 2,249 |  | $ | 16,294 |  | $ | 3,547 |  | $ | 2,937 |  | $ | 1,499 |  | $ | 15,364 |  | $ | 176,477 |  | $ | 1,135 |  | $ | 219,502 |
Nonperforming | 0 |  | 0 |  | 0 |  | 57 |  | 0 |  | 634 |  | 2,009 |  | 0 |  | 2,700 |
Total Residential - Home Equity | $ | 2,249 |  | $ | 16,294 |  | $ | 3,547 |  | $ | 2,994 |  | $ | 1,499 |  | $ | 15,998 |  | $ | 178,486 |  | $ | 1,135 |  | $ | 222,202 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Residential - Mortgages |  |  |  |  |  |  |
Performing | $ | 75,438 |  | $ | 107,485 |  | $ | 123,351 |  | $ | 162,612 |  | $ | 225,756 |  | $ | 649,101 |  | $ | 0 |  | $ | 0 |  | $ | 1,343,743 |
Nonperforming | 0 |  | 188 |  | 886 |  | 1,055 |  | 1,274 |  | 10,508 |  | 0 |  | 0 |  | 13,911 |
Total Residential - Mortgages | $ | 75,438 |  | $ | 107,673 |  | $ | 124,237 |  | $ | 163,667 |  | $ | 227,030 |  | $ | 659,609 |  | $ | 0 |  | $ | 0 |  | $ | 1,357,654 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Consumer - Direct |  |  |  |  |  |  |
Performing | $ | 33,180 |  | $ | 12,532 |  | $ | 12,363 |  | $ | 7,975 |  | $ | 7,246 |  | $ | 13,174 |  | $ | 2,213 |  | $ | 0 |  | $ | 88,683 |
Nonperforming | 0 |  | 0 |  | 20 |  | 10 |  | 0 |  | 58 |  | 2 |  | 0 |  | 90 |
Total Consumer - Direct | $ | 33,180 |  | $ | 12,532 |  | $ | 12,383 |  | $ | 7,985 |  | $ | 7,246 |  | $ | 13,232 |  | $ | 2,215 |  | $ | 0 |  | $ | 88,773 |
Current-period gross writeoffs | $ | 1,789 |  | $ | 7 |  | $ | 0 |  | $ | 17 |  | $ | 17 |  | $ | 51 |  | $ | 0 |  | $ | 0 |  | $ | 1,881 |
Consumer - Indirect |  |  |  |  |  |  |
Performing | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 24 |  | $ | 62 |  | $ | 0 |  | $ | 0 |  | $ | 86 |
Nonperforming | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 4 |  | 0 |  | 0 |  | 4 |
Total Consumer - Indirect | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 24 |  | $ | 66 |  | $ | 0 |  | $ | 0 |  | $ | 90 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 10 |  | $ | 0 |  | $ | 0 |  | $ | 10 |
December 31, 2024 |  |  |  |  |  |  |  |
(In thousands) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total Loans
Commercial and Industrial - Other: |  |  |  |  |  |  |
Pass | $ | 164,809 |  | $ | 114,591 |  | $ | 60,984 |  | $ | 54,087 |  | $ | 19,311 |  | $ | 144,785 |  | $ | 256,621 |  | $ | 35,968 |  | $ | 851,156 |
Special Mention | 334 |  | 288 |  | 174 |  | 808 |  | 144 |  | 375 |  | 157 |  | 0 |  | 2,280 |
Substandard | 425 |  | 0 |  | 41 |  | 43 |  | 4 |  | 608 |  | 1,011 |  | 0 |  | 2,132 |
Total Commercial and Industrial - Other | $ | 165,568 |  | $ | 114,879 |  | $ | 61,199 |  | $ | 54,938 |  | $ | 19,459 |  | $ | 145,768 |  | $ | 257,789 |  | $ | 35,968 |  | $ | 855,568 |
Current-period gross writeoffs | $ | 0 |  | $ | 15 |  | $ | 30 |  | $ | 44 |  | $ | 21 |  | $ | 432 |  | $ | 0 |  | $ | 0 |  | $ | 542 |
Commercial and Industrial - Agriculture: |  |  |  |  |  |
Pass | $ | 15,686 |  | $ | 23,823 |  | $ | 9,893 |  | $ | 2,233 |  | $ | 1,660 |  | $ | 11,304 |  | $ | 42,438 |  | $ | 2,895 |  | $ | 109,932 |
Special Mention | 0 |  | 0 |  | 0 |  | 34 |  | 0 |  | 0 |  | 0 |  | 0 |  | 34 |
Substandard | 0 |  | 0 |  | 0 |  | 0 |  | 41 |  | 0 |  | 0 |  | 0 |  | 41 |
Total Commercial and Industrial - Agriculture | $ | 15,686 |  | $ | 23,823 |  | $ | 9,893 |  | $ | 2,267 |  | $ | 1,701 |  | $ | 11,304 |  | $ | 42,438 |  | $ | 2,895 |  | $ | 110,007 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Commercial Real Estate |  |  |  |  |  |  |  |
Pass | $ | 331,943 |  | $ | 242,564 |  | $ | 324,510 |  | $ | 355,090 |  | $ | 277,220 |  | $ | 1,088,575 |  | $ | 50,632 |  | $ | 16,958 |  | $ | 2,687,492 |
Special Mention | 0 |  | 0 |  | 1,499 |  | 599 |  | 15,205 |  | 12,637 |  | 4,452 |  | 0 |  | 34,392 |
Substandard | 731 |  | 973 |  | 1,474 |  | 2,561 |  | 1,840 |  | 45,856 |  | 985 |  | 0 |  | 54,420 |
Total Commercial Real Estate | $ | 332,674 |  | $ | 243,537 |  | $ | 327,483 |  | $ | 358,250 |  | $ | 294,265 |  | $ | 1,147,068 |  | $ | 56,069 |  | $ | 16,958 |  | $ | 2,776,304 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Commercial Real Estate - Agriculture: |  |  |  |  |  |  |
Pass | $ | 23,754 |  | $ | 11,594 |  | $ | 37,398 |  | $ | 21,510 |  | $ | 19,853 |  | $ | 96,967 |  | $ | 4,169 |  | $ | 1,950 |  | $ | 217,195 |
Special Mention | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 217 |  | 0 |  | 0 |  | 217 |
Substandard | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 170 |  | 0 |  | 0 |  | 170 |
Total Commercial Real Estate - Agriculture | $ | 23,754 |  | $ | 11,594 |  | $ | 37,398 |  | $ | 21,510 |  | $ | 19,853 |  | $ | 97,354 |  | $ | 4,169 |  | $ | 1,950 |  | $ | 217,582 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Commercial Real Estate - Construction |  |  |  |  |  |
Pass | $ | 13,160 |  | $ | 744 |  | $ | 682 |  | $ | 5,003 |  | $ | 1,986 |  | $ | 802 |  | $ | 293,479 |  | $ | 52,675 |  | $ | 368,531 |
Special Mention | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |
Substandard | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 17,400 |  | 0 |  | 17,400 |
Total Commercial Real Estate - Construction | $ | 13,160 |  | $ | 744 |  | $ | 682 |  | $ | 5,003 |  | $ | 1,986 |  | $ | 802 |  | $ | 310,879 |  | $ | 52,675 |  | $ | 385,931 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
(In thousands) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total Loans
Residential - Home Equity |  |  |  |  |  |
Performing | $ | 15,181 |  | $ | 3,106 |  | $ | 2,383 |  | $ | 1,053 |  | $ | 784 |  | $ | 12,993 |  | $ | 163,202 |  | $ | 2,603 |  | $ | 201,305 |
Nonperforming | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 594 |  | 2,295 |  | 0 |  | 2,889 |
Total Residential - Home Equity | $ | 15,181 |  | $ | 3,106 |  | $ | 2,383 |  | $ | 1,053 |  | $ | 784 |  | $ | 13,587 |  | $ | 165,497 |  | $ | 2,603 |  | $ | 204,194 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Residential - Mortgages |  |  |  |  |  |  |
Performing | $ | 106,698 |  | $ | 130,463 |  | $ | 172,310 |  | $ | 239,307 |  | $ | 204,310 |  | $ | 500,169 |  | $ | 0 |  | $ | 0 |  | $ | 1,353,257 |
Nonperforming | 0 |  | 707 |  | 612 |  | 737 |  | 948 |  | 10,385 |  | 0 |  | 0 |  | 13,389 |
Total Residential - Mortgages | $ | 106,698 |  | $ | 131,170 |  | $ | 172,922 |  | $ | 240,044 |  | $ | 205,258 |  | $ | 510,554 |  | $ | 0 |  | $ | 0 |  | $ | 1,366,646 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Consumer - Direct |  |  |  |  |  |  |  |
Performing | $ | 40,812 |  | $ | 18,082 |  | $ | 10,022 |  | $ | 9,109 |  | $ | 3,953 |  | $ | 11,485 |  | $ | 2,575 |  | $ | 0 |  | $ | 96,038 |
Nonperforming | 0 |  | 4 |  | 24 |  | 8 |  | 4 |  | 77 |  | 8 |  | 0 |  | 125 |
Total Consumer - Direct | $ | 40,812 |  | $ | 18,086 |  | $ | 10,046 |  | $ | 9,117 |  | $ | 3,957 |  | $ | 11,562 |  | $ | 2,583 |  | $ | 0 |  | $ | 96,163 |
Current-period gross writeoffs | $ | 2,272 |  | $ | 15 |  | $ | 11 |  | $ | 32 |  | $ | 10 |  | $ | 229 |  | $ | 0 |  | $ | 0 |  | $ | 2,569 |
Consumer - Indirect |  |  |  |  |  |  |
Performing | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 52 |  | $ | 23 |  | $ | 141 |  | $ | 0 |  | $ | 0 |  | $ | 216 |
Nonperforming | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 13 |  | 0 |  | 0 |  | 13 |
Total Consumer - Indirect | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 52 |  | $ | 23 |  | $ | 154 |  | $ | 0 |  | $ | 0 |  | $ | 229 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 29 |  | $ | 0 |  | $ | 0 |  | $ | 29 |

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