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Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2025

Receivables [Abstract]

Schedule of originated and acquired loan and lease losses by portfolio segment

The following table details activity in the allowance for credit losses on loans and leases for the three months ended March 31, 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.

Three Months Ended March 31, 2025
(In thousands)			Commercial & Industrial			Commercial Real Estate			Residential Real Estate			Consumer and Other			Finance Leases			Total
Allowance for credit losses:
Beginning balance			$	7,684		$	35,837		$	11,345		$	1,568		$	62		$	56,496
Charge-offs			(185)			0			0			(779)			0			(964)
Recoveries			42			2			27			160			0			231
Provision (credit) for credit loss expense			1,077			3,469			170			548			(4)			5,260
Ending Balance			$	8,618		$	39,308		$	11,542		$	1,497		$	58		$	61,023

Three Months Ended March 31, 2024
(In thousands)			Commercial & Industrial			Commercial Real Estate			Residential Real Estate			Consumer and Other			Finance Leases			Total
Allowance for credit losses:
Beginning balance			$	6,667		$	31,581		$	11,700		$	1,557		$	79		$	51,584
Charge-offs			0			0			0			(445)			0			(445)
Recoveries			7			2			120			88			0			217
Provision (credit) for credit loss expense			912			(116)			(639)			196			(5)			348
Ending Balance			$	7,586		$	31,467		$	11,181		$	1,396		$	74		$	51,704

The following table details activity in the liabilities for off-balance sheet credit exposures for the three months ended March 31, 2025 and 2024:

(In thousands)			2025			2024
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			27			506
Liabilities for off-balance sheet credit exposures at end of period			$	1,490		$	2,776

The following table presents 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:

March 31, 2025
(In thousands)			Real Estate			Business Assets			Other			Total			ACL Allocation
Commercial and Industrial			$	510		$	0		$	0		$	510		$	250
Commercial Real Estate			50,420			0			0			50,420			6,364
Total Loans and Leases			$	50,930		$	0		$	0		$	50,930		$	6,614

December 31, 2024
(In thousands)			Real Estate			Business Assets			Other			Total			ACL Allocation
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 with financial difficulty

The following table shows the amortized cost basis as of March 31, 2025 and December 31, 2024 of the loans modified to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted:

March 31, 2025
(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
Commercial and Industrial
Commercial and industrial other			$	8		$	453		$	0		$	94		$	22		$	577		0.07		%
Subtotal commercial and industrial			8			453			0			94			22			577			0.06		%
Commercial Real Estate
Commercial real estate other			0			2,957			0			0			391			3,348			0.12		%
Subtotal commercial real estate			0			2,957			0			0			391			3,348			0.10		%
Residential
Home equity			0			0			0			38			0			38			0.02		%
Mortgages			0			0			0			111			643			754			0.06		%
Subtotal residential			0			0			0			149			643			792			0.05		%
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			$	30		$	3,410		$	0		$	243		$	1,056		$	4,739		0.08		%

December 31, 2024
(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
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 March 31, 2025 and December 31, 2024:

March 31, 2025			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
Commercial and Industrial
Commercial and industrial other			$	569		$	0		$	0		$	0		$	8		$	577
Subtotal commercial and industrial			569			0			0			0			8			577
Commercial Real Estate
Commercial real estate other			3,348			0			0			0			0			3,348
Subtotal commercial real estate			3,348			0			0			0			0			3,348
Residential Real Estate
Home equity			0			0			0			0			38			38
Mortgages			265			0			0			0			489			754
Subtotal residential real estate			265			0			0			0			527			792
Consumer and Other
Consumer and other			0			0			0			0			22			22
Subtotal consumer and other			0			0			0			0			22			22
Total			$	4,182		$	0		$	0		$	0		$	557		$	4,739

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
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 on loans by class of commercial and industrial loans and commercial real estate loans

The following tables present credit quality indicators by total loans on an amortized cost basis by origination year as of March 31, 2025 and December 31, 2024:

March 31, 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			$	51,511		$	139,937		$	104,517		$	87,715		$	51,230		$	162,874		$	273,078		$	2,139		$	873,001
Special Mention			0			246			221			137			111			394			150			0			1,259
Substandard			0			405			19			28			532			618			1,096			193			2,891
Total Commercial and Industrial - Other			$	51,511		$	140,588		$	104,757		$	87,880		$	51,873		$	163,886		$	274,324		$	2,332		$	877,151
Current-period gross writeoffs			$	0		$	80		$	67		$	38		$	0		$	0		$	0		$	0		$	185
Commercial and Industrial - Agriculture:
Pass			$	3,163		$	12,935		$	25,938		$	9,331		$	1,988		$	7,353		$	32,514		$	398		$	93,620
Special Mention			0			0			0			0			31			0			0			0			31
Substandard			0			0			0			0			0			37			0			0			37
Total Commercial and Industrial - Agriculture			$	3,163		$	12,935		$	25,938		$	9,331		$	2,019		$	7,390		$	32,514		$	398		$	93,688
Current-period gross writeoffs			$	0		$	0		$	0		$	0		$	0		$	0		$	0		$	0		$	0
Commercial Real Estate
Pass			$	73,427		$	337,823		$	275,679		$	343,991		$	351,697		$	1,329,497		$	19,042		$	7,217		$	2,738,373
Special Mention			0			0			0			1,494			593			31,215			0			0			33,302
Substandard			0			731			934			1,474			3,464			48,077			927			0			55,607
Total Commercial Real Estate			$	73,427		$	338,554		$	276,613		$	346,959		$	355,754		$	1,408,789		$	19,969		$	7,217		$	2,827,282
Current-period gross writeoffs			$	0		$	0		$	0		$	0		$	0		$	0		$	0		$	0		$	0
Commercial Real Estate - Agriculture:
Pass			$	8,210		$	24,501		$	12,020		$	36,942		$	21,068		$	113,053		$	5,068		$	449		$	221,311
Special Mention			0			0			0			0			0			198			0			0			198
Substandard			0			0			0			0			0			143			0			0			143
Total Commercial Real Estate - Agriculture			$	8,210		$	24,501		$	12,020		$	36,942		$	21,068		$	113,394		$	5,068		$	449		$	221,652
Current-period gross writeoffs			$	0		$	0		$	0		$	0		$	0		$	0		$	0		$	0		$	0
Commercial Real Estate - Construction
Pass			$	0		$	17,426		$	12,839		$	20,366		$	25,431		$	2,674		$	277,534		$	3,666		$	359,936
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			$	0		$	17,426		$	12,839		$	20,366		$	25,431		$	2,674		$	294,836		$	3,666		$	377,238
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			$	210		$	15,711		$	3,185		$	2,891		$	956		$	15,931		$	162,186		$	944		$	202,014
Nonperforming			0			0			0			0			0			659			2,839			0			3,498
Total Residential - Home Equity			$	210		$	15,711		$	3,185		$	2,891		$	956		$	16,590		$	165,025		$	944		$	205,512
Current-period gross writeoffs			$	0		$	0		$	0		$	0		$	0		$	0		$	0		$	0		$	0
Residential - Mortgages
Performing			$	21,477		$	109,306		$	129,055		$	169,732		$	234,890		$	688,337		$	0		$	0		$	1,352,797
Nonperforming			0			0			693			709			828			11,414			0			0			13,644
Total Residential - Mortgages			$	21,477		$	109,306		$	129,748		$	170,441		$	235,718		$	699,751		$	0		$	0		$	1,366,441
Current-period gross writeoffs			$	0		$	0		$	0		$	0		$	0		$	0		$	0		$	0		$	0
Consumer - Direct
Performing			$	25,307		$	14,881		$	15,761		$	9,403		$	8,361		$	14,402		$	2,391		$	0		$	90,506
Nonperforming			0			0			3			12			0			86			14			0			115
Total Consumer - Direct			$	25,307		$	14,881		$	15,764		$	9,415		$	8,361		$	14,488		$	2,405		$	0		$	90,621
Current-period gross writeoffs			$	722		$	3		$	0		$	13		$	17		$	20		$	0		$	0		$	775
Consumer - Indirect
Performing			$	0		$	0		$	0		$	0		$	42		$	110		$	0		$	0		$	152
Nonperforming			0			0			0			0			0			4			0			0			4
Total Consumer - Indirect			$	0		$	0		$	0		$	0		$	42		$	114		$	0		$	0		$	156
Current-period gross writeoffs			$	0		$	0		$	0		$	0		$	0		$	4		$	0		$	0		$	4

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

X

- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

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X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-5

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X

- References

No definition available.

+ Details

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Namespace Prefix:	us-gaap_
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X

- Definition

Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-42

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
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