Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2025

The following tables detail the activity in the ACL on loans by segment and class for the periods indicated:


	Three Months Ended September 30, 2025
	Beginning Balance		Charge-offs		Recoveries		Provision for (Reversal of) Credit Losses		Ending Balance
	(Dollars in thousands)
Commercial business:
Commercial and industrial	$	9,385	$	(195)	$	78	$	(17)	$	9,251
Owner-occupied CRE	13,434		—		141		(373)		13,202
Non-owner occupied CRE	15,534		—		—		359		15,893
Total commercial business	38,353		(195)		219		(31)		38,346
Residential real estate	3,942		(27)		1		167		4,083
Real estate construction and land development:
Residential	868		—		—		140		1,008
Commercial and multifamily	7,448		—		—		1,200		8,648
Total real estate construction and land development	8,316		—		—		1,340		9,656
Consumer	1,918		(152)		36		87		1,889
Total	$	52,529	$	(374)	$	256	$	1,563	$	53,974



	Nine Months Ended September 30, 2025
	Beginning Balance		Charge-offs		Recoveries		Provision for (Reversal of) Credit Losses		Ending Balance
	(Dollars in thousands)
Commercial business:
Commercial and industrial	$	9,766	$	(871)	$	122	$	234	$	9,251
Owner-occupied CRE	12,819		—		141		242		13,202
Non-owner occupied CRE	15,708		—		—		185		15,893
Total commercial business	38,293		(871)		263		661		38,346
Residential real estate	3,464		(27)		1		645		4,083
Real estate construction and land development:
Residential	779		—		—		229		1,008
Commercial and multifamily	7,877		—		—		771		8,648
Total real estate construction and land development	8,656		—		—		1,000		9,656
Consumer	2,055		(410)		133		111		1,889
Total	$	52,468	$	(1,308)	$	397	$	2,417	$	53,974


	Three Months Ended September 30, 2024
	Beginning Balance		Charge-offs		Recoveries		Provision for (Reversal of) Credit Losses		Ending Balance
	(Dollars in thousands)
Commercial business:
Commercial and industrial	$	11,134	$	(50)	$	72	$	(472)	$	10,684
Owner-occupied CRE	9,850		(2,510)		—		4,819		12,159
Non-owner occupied CRE	13,483		—		—		841		14,324
Total commercial business	34,467		(2,560)		72		5,188		37,167
Residential real estate	3,735		—		—		(131)		3,604


	Three Months Ended September 30, 2024
	Beginning Balance		Charge-offs		Recoveries		Provision for (Reversal of) Credit Losses		Ending Balance
	(Dollars in thousands)
Real estate construction and land development:
Residential	910		—		—		(118)		792
Commercial and multifamily	9,908		—		—		(2,235)		7,673
Total real estate construction and land development	10,818		—		—		(2,353)		8,465
Consumer	2,199		(85)		40		1		2,155
Total	$	51,219	$	(2,645)	$	112	$	2,705	$	51,391



	Nine Months Ended September 30, 2024
	Beginning Balance		Charge-offs		Recoveries		Provision for (Reversal of) Credit Losses		Ending Balance
	(Dollars in thousands)
Commercial business:
Commercial and industrial	$	11,128	$	(439)	$	448	$	(453)	$	10,684
Owner-occupied CRE	8,999		(2,510)		359		5,311		12,159
Non-owner occupied CRE	11,176		—		—		3,148		14,324
Total commercial business	31,303		(2,949)		807		8,006		37,167
Residential real estate	3,473		—		—		131		3,604
Real estate construction and land development:
Residential	1,643		—		—		(851)		792
Commercial and multifamily	9,233		—		—		(1,560)		7,673
Total real estate construction and land development	10,876		—		—		(2,411)		8,465
Consumer	2,347		(446)		101		153		2,155
Total	$	47,999	$	(3,395)	$	908	$	5,879	$	51,391

The following table details the activity in the ACL on unfunded commitments during the periods indicated:


	Three Months Ended September 30,				Nine Months Ended September 30,
	2025		2024		2025		2024
	(Dollars in thousands)
Balance, beginning of period	$	740	$	774	$	587	$	1,288
Provision for (reversal of) credit losses on unfunded commitments	212		(266)		365		(780)
Balance, end of period	$	952	$	508	$	952	$	508