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Allowance for Credit Losses on Loans | 12 Months Ended
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Dec. 31, 2024
Allowance for Credit Loss [Abstract] |
Allowance for Credit Losses on Loans | Allowance for Credit Losses on Loans The following tables detail the activity in the ACL on loans by segment and class for the periods indicated:
| Year Ended December 31, 2024
| Beginning Balance |  |  |  |  |  | Charge-offs |  | Recoveries |  | Provision for (Reversal of) Credit Losses |  | Ending Balance
| (Dollars in thousands)
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 11,128 |  |  |  |  |  |  | $ | (443) |  |  | $ | 496 |  |  | $ | (1,415) |  |  | $ | 9,766 |
Owner-occupied CRE | 8,999 |  |  |  |  |  |  | (2,510) |  |  | 359 |  |  | 5,971 |  |  | 12,819 |
Non-owner occupied CRE | 11,176 |  |  |  |  |  |  | — |  |  | — |  |  | 4,532 |  |  | 15,708 |
Total commercial business | 31,303 |  |  |  |  |  |  | (2,953) |  |  | 855 |  |  | 9,088 |  |  | 38,293 |
Residential real estate | 3,473 |  |  |  |  |  |  | — |  |  | — |  |  | (9) |  |  | 3,464 |
Real estate construction and land development:
Residential | 1,643 |  |  |  |  |  |  | — |  |  | — |  |  | (864) |  |  | 779 |
Commercial and multifamily | 9,233 |  |  |  |  |  |  | — |  |  | — |  |  | (1,356) |  |  | 7,877 |
Total real estate construction and land development | 10,876 |  |  |  |  |  |  | — |  |  | — |  |  | (2,220) |  |  | 8,656 |
Consumer | 2,347 |  |  |  |  |  |  | (538) |  |  | 122 |  |  | 124 |  |  | 2,055 |
Total | $ | 47,999 |  |  |  |  |  |  | $ | (3,491) |  |  | $ | 977 |  |  | $ | 6,983 |  |  | $ | 52,468 |
| Year Ended December 31, 2023
| Beginning Balance |  | Charge-offs |  | Recoveries |  | Provision for (Reversal of) Credit Losses |  | Ending Balance
| (Dollars in thousands)
Commercial business: |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 13,962 |  |  | $ | (719) |  |  | $ | 1,372 |  |  | $ | (3,487) |  |  | $ | 11,128 |
Owner-occupied CRE | 7,480 |  |  | — |  |  | — |  |  | 1,519 |  |  | 8,999 |
Non-owner occupied CRE | 9,276 |  |  | — |  |  | — |  |  | 1,900 |  |  | 11,176 |
Total commercial business | 30,718 |  |  | (719) |  |  | 1,372 |  |  | (68) |  |  | 31,303 |
Residential real estate | 2,872 |  |  | — |  |  | — |  |  | 601 |  |  | 3,473 |
Real estate construction and land development:
Residential | 1,654 |  |  | — |  |  | — |  |  | (11) |  |  | 1,643 |
Commercial and multifamily | 5,409 |  |  | — |  |  | — |  |  | 3,824 |  |  | 9,233 |
Total real estate construction and land development | 7,063 |  |  | — |  |  | — |  |  | 3,813 |  |  | 10,876 |
Consumer | 2,333 |  |  | (586) |  |  | 210 |  |  | 390 |  |  | 2,347 |
Total | $ | 42,986 |  |  | $ | (1,305) |  |  | $ | 1,582 |  |  | $ | 4,736 |  |  | $ | 47,999 |
| Year Ended December 31, 2022
| Beginning Balance |  | Charge-offs |  | Recoveries |  | (Reversal of) Provision for Credit Losses |  | Ending Balance
| (Dollars in thousands)
Commercial business: |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 17,777 |  |  | $ | (280) |  |  | $ | 929 |  |  | $ | (4,464) |  |  | $ | 13,962 |
Owner-occupied CRE | 6,411 |  |  | (36) |  |  | — |  |  | 1,105 |  |  | 7,480 |
Non-owner occupied CRE | 8,861 |  |  | — |  |  | — |  |  | 415 |  |  | 9,276 |
Total commercial business | 33,049 |  |  | (316) |  |  | 929 |  |  | (2,944) |  |  | 30,718 |
Residential real estate | 1,409 |  |  | (30) |  |  | 3 |  |  | 1,490 |  |  | 2,872 |
Real estate construction and land development:
Residential | 1,304 |  |  | — |  |  | 229 |  |  | 121 |  |  | 1,654 |
Commercial and multifamily | 3,972 |  |  | — |  |  | 155 |  |  | 1,282 |  |  | 5,409 |
Total real estate construction and land development | 5,276 |  |  | — |  |  | 384 |  |  | 1,403 |  |  | 7,063 |
Consumer | 2,627 |  |  | (547) |  |  | 765 |  |  | (512) |  |  | 2,333 |
Total | $ | 42,361 |  |  | $ | (893) |  |  | $ | 2,081 |  |  | $ | (563) |  |  | $ | 42,986 |
The following table details the activity in the ACL on unfunded commitments during the periods indicated:
| Year Ended December 31,
| 2024 |  | 2023 |  | 2022
| (Dollars in thousands)
Balance, beginning of period | $ | 1,288 |  |  | $ | 1,744 |  |  | $ | 2,607 |
Reversal of credit losses on unfunded commitments | (701) |  |  | (456) |  |  | (863) |
Balance, end of period | $ | 587 |  |  | $ | 1,288 |  |  | $ | 1,744 |

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- Definition The entire disclosure for allowance for credit losses. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 310 -Publisher FASB -URI https://asc.fasb.org/310/tableOfContent + Details
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