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Allowance for Credit Losses (Tables)
3 Months Ended
Mar. 31, 2026
Receivables [Abstract]  
Schedule of Originated and Acquired Credit 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, 2026 and 2025. 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 March 31, 2026
Allowance for credit losses:
Beginning balance$10,234 $35,255 $10,893 $1,230 $59 $57,671 
Charge-offs(336)(250)(416)(1,002)
Recoveries17 63 141 227 
Provision (credit) for credit loss expense808 307 (140)236 1,212 
Ending Balance$10,723 $35,568 $10,566 $1,191 $60 $58,108 
Three Months Ended March 31, 2025
Allowance for credit losses:
Beginning balance$7,684 $35,837 $11,345 $1,568 $62 $56,496 
Charge-offs(185)(779)(964)
Recoveries42 27 160 231 
Provision (credit) for credit loss expense1,077 3,469 170 548 (4)5,260 
Ending Balance$8,618 $39,308 $11,542 $1,497 $58 $61,023 
The following table details activity in the liabilities for off-balance sheet credit exposures for the three months ended March 31, 2026 and 2025:
(In thousands)20262025
Liabilities for off-balance sheet credit exposures at beginning of period$1,433 $1,463 
Provision for credit loss expense related to off-balance sheet credit exposures290 27 
Liabilities for off-balance sheet credit exposures at end of period$1,723 $1,490 
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:
(In thousands)Real EstateBusiness AssetsOtherTotalACL Allocation
March 31, 2026
Commercial and Industrial$2,231 $4,986 $$7,217 $251 
Commercial Real Estate20,148 20,148 1,288 
Total Loans and Leases$22,379 $4,986 $0 $27,365 $1,539 
December 31, 2025
Commercial and Industrial$482 $4,565 $$5,047 $250 
Commercial Real Estate21,052 21,052 1,178 
Total Loans and Leases$21,534 $4,565 $0 $26,099 $1,428 
Schedule of Loan Modifications with Financial Difficulty
The following tables show the amortized cost basis as of March 31, 2026 and December 31, 2025 of the loans modified to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted:
(In thousands)Term ExtensionInterest Rate ReductionPayment Delay and Term ExtensionTerm Extension and Interest Rate ReductionPayment DelayTotal% of Total Class of Loans and Leases
March 31, 2026
Commercial and Industrial
Commercial and industrial other$78 $835 $$$$913 0.09 %
Subtotal commercial and industrial78 835 913 0.08 %
Commercial Real Estate
Commercial real estate other3,304 379 3,683 0.12 %
Subtotal commercial real estate3,304 379 3,683 0.10 %
Residential
Home equity49 49 0.02 %
Mortgages297 940 1,237 0.09 %
Subtotal residential346 940 1,286 0.08 %
Consumer
Consumer and other23 23 0.03 %
Subtotal consumer23 23 0.03 %
Total loans and leases$101 $4,139 $0 $346 $1,319 $5,905 0.09 %
(In thousands)Term ExtensionInterest Rate ReductionPayment Delay and Term ExtensionTerm Extension and Interest Rate ReductionPayment DelayTotal% of Total Class of Loans and Leases
December 31, 2025
Commercial and Industrial
Commercial and industrial other$101 $410 $$262 $$773 0.08 %
Subtotal commercial and industrial101 410 262 773 0.07 %
Commercial Real Estate
Commercial real estate other2,856 382 3,238 0.11 %
Subtotal commercial real estate2,856 382 3,238 0.09 %
Residential
Home equity50 50 0.02 %
Mortgages109 953 1,062 0.08 %
Subtotal residential159 953 1,112 0.07 %
Consumer
Consumer and other23 23 0.03 %
Subtotal consumer23 23 0.03 %
Total loans and leases$124 $3,266 $0 $421 $1,335 $5,146 0.08 %
The following tables show the aging analysis of loan modifications made to borrowers experiencing financial difficulty as of March 31, 2026 and December 31, 2025:
Payment Status (Amortized Cost Basis)
(In thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past DueNon-AccrualTotal
March 31, 2026
Commercial and Industrial
Commercial and industrial other$436 $$$$477 $913 
Subtotal commercial and industrial436 477 913 
Commercial Real Estate
Commercial real estate other3,199 484 3,683 
Subtotal commercial real estate3,199 484 3,683 
Residential Real Estate
Home equity49 49 
Mortgages258 979 1,237 
Subtotal residential real estate307 979 1,286 
Consumer and Other
Consumer and other23 23 
Subtotal consumer and other23 23 
Total$3,965 $0 $0 $0 $1,940 $5,905 
Payment Status (Amortized Cost Basis)
(In thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past DueNon-AccrualTotal
December 31, 2025
Commercial and Industrial
Commercial and industrial other$474 $262 $$$37 $773 
Subtotal commercial and industrial474 262 37 773 
Commercial Real Estate
Commercial real estate other3,238 3,238 
Subtotal commercial real estate3,238 3,238 
Residential Real Estate
Home equity50 50 
Mortgages260 802 1,062 
Subtotal residential real estate310 802 1,112 
Consumer and Other
Consumer and other23 23 
Subtotal consumer and other23 23 
Total$4,045 $262 $0 $0 $839 $5,146 
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, 2026 and December 31, 2025:
March 31, 2026
(In thousands)20262025202420232022PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Commercial and Industrial - Other:
Pass$63,659 $164,262 $113,700 $72,835 $76,150 $148,294 $331,280 $5,901 $976,081 
Special Mention112 1,388 71 2,730 22,048 26,349 
Substandard61 674 1,419 1,295 930 6,458 10,837 
Total Commercial and Industrial - Other$63,659 $164,435 $115,762 $74,325 $77,445 $151,954 $359,786 $5,901 $1,013,267 
Current-period gross writeoffs$0 $223 $113 $250 $0 $0 $0 $0 $586 
Commercial and Industrial - Agriculture:
Pass$4,402 $9,799 $8,107 $22,930 $6,900 $4,585 $47,679 $$104,402 
Special Mention23 19 66 111 
Substandard21 21 
Total Commercial and Industrial - Agriculture$4,402 $9,822 $8,107 $22,930 $6,903 $4,625 $47,745 $0 $104,534 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate
Pass$65,266 $420,999 $327,844 $245,834 $295,832 $1,520,790 $18,783 $11,815 $2,907,163 
Special Mention6,500 303 920 1,459 29,853 39,035 
Substandard399 927 2,119 21,890 737 26,072 
Total Commercial Real Estate$65,266 $427,499 $328,546 $247,681 $299,410 $1,572,533 $19,520 $11,815 $2,972,270 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Agriculture:
Pass$7,375 $27,881 $24,249 $11,325 $40,488 $118,948 $5,599 $2,043 $237,908 
Special Mention157 157 
Substandard100 100 
Total Commercial Real Estate - Agriculture$7,375 $27,881 $24,249 $11,325 $40,488 $119,205 $5,599 $2,043 $238,165 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Construction
Pass$$$9,000 $37,160 $18,226 $15,930 $366,998 $6,311 $453,625 
Special Mention452 452 
Substandard17,301 17,301 
Total Commercial Real Estate - Construction$0 $0 $9,000 $37,160 $18,226 $15,930 $384,751 $6,311 $471,378 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
(In thousands)20262025202420232022PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Residential - Home Equity
Performing$396 $1,537 $744 $1,366 $1,232 $17,735 $202,873 $788 $226,671 
Nonperforming1,515 1,741 3,256 
Total Residential - Home Equity$396 $1,537 $744 $1,366 $1,232 $19,250 $204,614 $788 $229,927 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Residential - Mortgages
Performing$26,020 $110,382 $100,262 $117,613 $158,819 $831,884 $$$1,344,980 
Nonperforming103 474 865 832 11,848 14,122 
Total Residential - Mortgages$26,020 $110,485 $100,736 $118,478 $159,651 $843,732 $0 $0 $1,359,102 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Consumer - Direct
Performing$15,963 $20,715 $9,858 $10,416 $6,872 $17,629 $2,099 $$83,552 
Nonperforming14 14 14 57 
Total Consumer - Direct$15,963 $20,720 $9,867 $10,430 $6,886 $17,643 $2,100 $0 $83,609 
Current-period gross writeoffs$355 $15 $0 $5 $5 $36 $0 $0 $416 
Consumer - Indirect
Performing$$$$$$58 $$$58 
Nonperforming
Total Consumer - Indirect$0 $0 $0 $0 $0 $58 $0 $0 $58 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
December 31, 2025
(In thousands)20252024202320222021PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Commercial and Industrial - Other:
Pass$178,999 $111,528 $81,883 $73,977 $37,104 $126,706 $316,314 $8,606 $935,117 
Special Mention9,871 9,447 90 1,154 178 1,468 21,037 43,245 
Substandard423 1,433 390 192 5,032 341 7,811 
Total Commercial and Industrial - Other$188,870 $121,398 $83,406 $75,131 $37,672 $128,366 $342,383 $8,947 $986,173 
Current-period gross writeoffs$526 $597 $85 $66 $254 $13 $0 $0 $1,541 
Commercial and Industrial - Agriculture:
Pass$11,890 $9,337 $24,659 $7,539 $1,418 $3,852 $55,263 $470 $114,428 
Special Mention22 25 47 
Substandard
Total Commercial and Industrial - Agriculture$11,890 $9,337 $24,659 $7,539 $1,440 $3,877 $55,263 $470 $114,475 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate
Pass$409,529 $320,178 $256,566 $310,051 $374,436 $1,204,064 $19,291 $19,216 $2,913,331 
Special Mention6,500 305 927 1,961 1,362 45,932 56,987 
Substandard399 927 1,149 1,461 3,804 784 8,524 
Total Commercial Real Estate$416,029 $320,882 $258,420 $313,161 $377,259 $1,253,800 $20,075 $19,216 $2,978,842 
Current-period gross writeoffs$0 $0 $0 $0 $2,000 $5,310 $0 $0 $7,310 
Commercial Real Estate - Agriculture:
Pass$26,485 $23,114 $11,133 $41,082 $20,087 $103,609 $4,488 $4,026 $234,024 
Special Mention141 141 
Substandard127 127 
Total Commercial Real Estate - Agriculture$26,485 $23,114 $11,133 $41,082 $20,087 $103,877 $4,488 $4,026 $234,292 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Construction
Pass$$13,222 $30,274 $1,542 $15,688 $349 $344,568 $25,659 $431,302 
Special Mention297 297 
Substandard17,302 17,302 
Total Commercial Real Estate - Construction$0 $13,222 $30,274 $1,542 $15,688 $349 $362,167 $25,659 $448,901 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
 
(In thousands)20252024202320222021PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Residential - Home Equity
Performing$1,613 $767 $1,448 $1,309 $795 $17,309 $200,118 $1,671 $225,030 
Nonperforming1,382 1,242 2,624 
Total Residential - Home Equity$1,613 $767 $1,448 $1,309 $795 $18,691 $201,360 $1,671 $227,654 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Residential - Mortgages
Performing$113,023 $104,677 $120,785 $160,682 $220,793 $629,641 $$$1,349,601 
Nonperforming103 294 878 982 1,037 10,637 13,931 
Total Residential - Mortgages$113,126 $104,971 $121,663 $161,664 $221,830 $640,278 $0 $0 $1,363,532 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Consumer - Direct
Performing$34,987 $11,109 $11,207 $7,430 $6,887 $12,427 $2,282 $$86,329 
Nonperforming21 40 70 
Total Consumer - Direct$34,987 $11,109 $11,209 $7,451 $6,887 $12,467 $2,289 $0 $86,399 
Current-period gross writeoffs$2,220 $15 $17 $17 $20 $55 $0 $0 $2,344 
Consumer - Indirect
Performing$$$$$17 $51 $$$68 
Nonperforming
Total Consumer - Indirect$0 $0 $0 $0 $17 $51 $0 $0 $68 
Current-period gross writeoffs$0 $0 $0 $0 $0 $15 $0 $0 $15