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Loans (Tables) | 9 Months Ended
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Sep. 30, 2024
Receivables [Abstract] |
Schedule of Loan Portfolio Segments and Classes | The table below identifies the Company’s loan portfolio segments and classes.
Portfolio Segment |  | Class of Financing Receivable
Commercial |  | Owner occupied real estate
|  | Non-owner occupied real estate
|  | Residential spec homes
|  | Development & spec land
|  | Commercial and industrial
Real estate |  | Residential mortgage
|  | Residential construction
Mortgage warehouse |  | Mortgage warehouse
Consumer |  | Installment
|  | Indirect auto
|  | Home equity
Schedule of Loans Outstanding By Portfolio Class | The following table presents total loans outstanding by portfolio class, as of September 30, 2024 and December 31, 2023:
| September 30, 2024 |  | December 31, 2023
Commercial |  |  |
Owner occupied real estate | $ | 634,470 |  |  | $ | 640,731 |
Non–owner occupied real estate | 1,424,248 |  |  | 1,273,838 |
Residential spec homes | 16,447 |  |  | 13,489 |
Development & spec land | 30,294 |  |  | 34,039 |
Commercial and industrial | 808,600 |  |  | 712,863 |
Total commercial | 2,914,059 |  |  | 2,674,960 |
Real estate |  |  |
Residential mortgage | 783,957 |  |  | 654,295 |
Residential construction | 17,399 |  |  | 26,841 |
Mortgage warehouse | 80,437 |  |  | 45,078 |
Total real estate | 881,793 |  |  | 726,214 |
Consumer |  |  |
Installment | 101,554 |  |  | 52,366 |
Indirect auto | 341,979 |  |  | 399,946 |
Home equity | 564,611 |  |  | 564,144 |
Total consumer | 1,008,144 |  |  | 1,016,456 |
Total loans | 4,803,996 |  |  | 4,417,630 |
Allowance for credit losses | (52,881) |  |  | (50,029) |
Net loans | $ | 4,751,115 |  |  | $ | 4,367,601 |
Schedule of Non-accrual, Loans Past Due Over 90 Days Still on Accrual, and Troubled Debt Restructured ("TDRs") by Class of Loans | The following table presents non–accrual loans and loans past due over 90 days still on accrual by class of loans at September 30, 2024:
| September 30, 2024
| Non–accrual |  | Loans Past Due Over 90 Days Still Accruing |  | Non–accruing Loans with no Allowance for Credit Losses
Commercial |  |  |  |  |
Owner occupied real estate | $ | 3,854 |  |  | $ | — |  |  | $ | 2,976 |
Non–owner occupied real estate | 456 |  |  | — |  |  | 456 |
Residential spec homes | — |  |  | — |  |  | — |
Development & spec land | 574 |  |  | — |  |  | 574 |
Commercial and industrial | 1,946 |  |  | — |  |  | 949 |
Total commercial | 6,830 |  |  | — |  |  | 4,955 |
Real estate |  |  |  |  |
Residential mortgage | 9,529 |  |  | 71 |  |  | — |
Residential construction | — |  |  | — |  |  | — |
Mortgage warehouse | — |  |  | — |  |  | — |
Total real estate | 9,529 |  |  | 71 |  |  | — |
Consumer |  |  |  |  |
Installment | 371 |  |  | 27 |  |  | — |
Indirect auto | 1,304 |  |  | 228 |  |  | — |
Home equity | 5,533 |  |  | 493 |  |  | — |
Total consumer | 7,208 |  |  | 748 |  |  | — |
Total | $ | 23,567 |  |  | $ | 819 |  |  | $ | 4,955 |
The following table presents non–accrual loans and loans past due over 90 days still on accrual by class of loan at December 31, 2023:
| December 31, 2023
| Non–accrual |  | Loans Past Due Over 90 Days Still Accruing |  | Non–accruing Loans with no Allowance for Credit Losses
Commercial |  |  |  |  |
Owner occupied real estate | $ | 2,636 |  |  | $ | — |  |  | $ | 1,789 |
Non–owner occupied real estate | 3,485 |  |  | — |  |  | 1,242 |
Residential spec homes | — |  |  | — |  |  | — |
Development & spec land | 617 |  |  | — |  |  | 617 |
Commercial and industrial | 624 |  |  | — |  |  | 20 |
Total commercial | 7,362 |  |  | — |  |  | 3,668 |
Real estate |  |  |  |  |
Residential mortgage | 8,058 |  |  | — |  |  | — |
Residential construction | — |  |  | — |  |  | — |
Mortgage warehouse | — |  |  | — |  |  | — |
Total real estate | 8,058 |  |  | — |  |  | — |
Consumer |  |  |  |  |
Installment | 88 |  |  | — |  |  | — |
Indirect auto | 899 |  |  | 299 |  |  | — |
Home equity | 3,303 |  |  | 260 |  |  | — |
Total consumer | 4,290 |  |  | 559 |  |  | — |
Total | $ | 19,710 |  |  | $ | 559 |  |  | $ | 3,668 |
Schedule of Payment Status by Class of Loan | The following table presents the payment status by class of loan at September 30, 2024:
| September 30, 2024
| Current |  | 30–59 Days Past Due |  | 60–89 Days Past Due |  | 90 Days or Greater Past Due |  | Total Past Due Loans |  | Total Loans
Commercial |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate | $ | 630,542 |  |  | $ | 806 |  |  | $ | 1,782 |  |  | $ | 1,340 |  |  | $ | 3,928 |  |  | $ | 634,470 |
Non–owner occupied real estate | 1,423,495 |  |  | 150 |  |  | 302 |  |  | 301 |  |  | 753 |  |  | 1,424,248 |
Residential spec homes | 16,447 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 16,447 |
Development & spec land | 30,294 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 30,294 |
Commercial and industrial | 806,547 |  |  | 579 |  |  | 126 |  |  | 1,348 |  |  | 2,053 |  |  | 808,600 |
Total commercial | 2,907,325 |  |  | 1,535 |  |  | 2,210 |  |  | 2,989 |  |  | 6,734 |  |  | 2,914,059 |
Real estate |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 775,653 |  |  | 89 |  |  | 3,130 |  |  | 5,085 |  |  | 8,304 |  |  | 783,957 |
Residential construction | 17,399 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 17,399 |
Mortgage warehouse | 80,437 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 80,437 |
Total real estate | 873,489 |  |  | 89 |  |  | 3,130 |  |  | 5,085 |  |  | 8,304 |  |  | 881,793 |
Consumer |  |  |  |  |  |  |  |  |  |  |
Installment | 100,294 |  |  | 821 |  |  | 167 |  |  | 272 |  |  | 1,260 |  |  | 101,554 |
Indirect auto | 336,038 |  |  | 4,310 |  |  | 971 |  |  | 660 |  |  | 5,941 |  |  | 341,979 |
Home equity | 552,498 |  |  | 6,170 |  |  | 2,246 |  |  | 3,697 |  |  | 12,113 |  |  | 564,611 |
Total consumer | 988,830 |  |  | 11,301 |  |  | 3,384 |  |  | 4,629 |  |  | 19,314 |  |  | 1,008,144 |
Total | $ | 4,769,644 |  |  | $ | 12,925 |  |  | $ | 8,724 |  |  | $ | 12,703 |  |  | $ | 34,352 |  |  | $ | 4,803,996 |
The following table presents the payment status by class of loan at December 31, 2023:
| December 31, 2023
| Current |  | 30–59 Days Past Due |  | 60–89 Days Past Due |  | 90 Days or Greater Past Due |  | Total Past Due Loans |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate | $ | 638,389 |  |  | $ | 2,342 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,342 |  |  | $ | 640,731 |
Non–owner occupied real estate | 1,273,791 |  |  | — |  |  | — |  |  | 47 |  |  | 47 |  |  | 1,273,838 |
Residential spec homes | 13,489 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 13,489 |
Development & spec land | 33,036 |  |  | — |  |  | 1,003 |  |  | — |  |  | 1,003 |  |  | 34,039 |
Commercial and industrial | 710,567 |  |  | 1,659 |  |  | 54 |  |  | 583 |  |  | 2,296 |  |  | 712,863 |
Total commercial | 2,669,272 |  |  | 4,001 |  |  | 1,057 |  |  | 630 |  |  | 5,688 |  |  | 2,674,960 |
Real estate |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 646,984 |  |  | 2,823 |  |  | 2,353 |  |  | 2,135 |  |  | 7,311 |  |  | 654,295 |
Residential construction | 26,841 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 26,841 |
Mortgage warehouse | 45,078 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 45,078 |
Total real estate | 718,903 |  |  | 2,823 |  |  | 2,353 |  |  | 2,135 |  |  | 7,311 |  |  | 726,214 |
Consumer |  |  |  |  |  |  |  |  |  |  |
Installment | 52,001 |  |  | 304 |  |  | 10 |  |  | 51 |  |  | 365 |  |  | 52,366 |
Indirect auto | 393,615 |  |  | 4,958 |  |  | 736 |  |  | 637 |  |  | 6,331 |  |  | 399,946 |
Home equity | 558,062 |  |  | 3,748 |  |  | 1,217 |  |  | 1,117 |  |  | 6,082 |  |  | 564,144 |
Total consumer | 1,003,678 |  |  | 9,010 |  |  | 1,963 |  |  | 1,805 |  |  | 12,778 |  |  | 1,016,456 |
Total | $ | 4,391,853 |  |  | $ | 15,834 |  |  | $ | 5,373 |  |  | $ | 4,570 |  |  | $ | 25,777 |  |  | $ | 4,417,630 |
Modified Loans | The following tables detail the amortized cost at September 30, 2024 of loans that were modified to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2024 and the amortized cost at September 30, 2023, of loans that were modified to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2023:
| Three Months Ended September 30, 2024
| Principal Forgiveness |  | Term Extension |  | Interest Rate Reduction |  | Other-Than-Insignificant Payment Delay |  | Term Extension and Interest Rate Reduction |  | Multiple 1 |  | Total |  | % of Loans Held for Investment
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate | — |  |  | $ | 2,038 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,038 |  |  | 0.3 | %
Commercial and industrial | — |  |  | 1,111 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,111 |  |  | 0.1 | %
Total | $ | — |  |  | $ | 3,149 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3,149 |  |  | 0.1 | %
1 Multiple modifications represents modifications to borrowers in the form of term extensions and other-than-insignificant payment deferrals.
| Nine Months Ended September 30, 2024
| Principal Forgiveness |  | Term Extension |  | Interest Rate Reduction |  | Other-Than-Insignificant Payment Delay |  | Term Extension and Interest Rate Reduction |  | Multiple 1 |  | Total |  | % of Loans Held for Investment
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate | $ | — |  |  | $ | 3,986 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3,986 |  |  | 0.6 | %
Non–owner occupied real estate | — |  |  | 1,720 |  |  | — |  |  | 651 |  |  | — |  |  | — |  |  | 2,371 |  |  | 0.2 | %
Commercial and industrial | — |  |  | 2,205 |  |  | — |  |  | — |  |  | 437 |  |  | — |  |  | 2,642 |  |  | 0.3 | %
Total | $ | — |  |  | $ | 7,911 |  |  | $ | — |  |  | $ | 651 |  |  | $ | 437 |  |  | $ | — |  |  | $ | 8,999 |  |  | 0.3 | %
1 Multiple modifications represents modifications to borrowers in the form of term extensions and other-than-insignificant payment deferrals.
| Three Months Ended September 30, 2023
| Principal Forgiveness |  | Term Extension |  | Interest Rate Reduction |  | Other-Than-Insignificant Payment Delay |  | Term Extension and Interest Rate Reduction |  | Multiple 1 |  | Total |  | % of Loans Held for Investment
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate | $ | — |  |  | $ | 2,082 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,082 |  |  | 0.3 | %
Commercial and industrial | — |  |  | 1,278 |  |  | — |  |  | — |  |  | 171 |  |  | 69 |  |  | 1,518 |  |  | 0.2 | %
Total | $ | — |  |  | $ | 3,360 |  |  | $ | — |  |  | $ | — |  |  | $ | 171 |  |  | $ | 69 |  |  | $ | 3,600 |  |  | 0.1 | %
1 Multiple modifications represents modifications to borrowers in the form of term extensions and other-than-insignificant payment deferrals.
| Nine Months Ended September 30, 2023
| Principal Forgiveness |  | Term Extension |  | Interest Rate Reduction |  | Other-Than-Insignificant Payment Delay |  | Term Extension and Interest Rate Reduction |  | Multiple 1 |  | Total |  | % of Loans Held for Investment
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate | $ | — |  |  | $ | 2,762 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,762 |  |  | 0.4 | %
Commercial and industrial | — |  |  | 1,347 |  |  | — |  |  | — |  |  | 1,243 |  |  | 165 |  |  | 2,755 |  |  | 0.3 | %
Total | $ | — |  |  | $ | 4,109 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,243 |  |  | $ | 165 |  |  | $ | 5,517 |  |  | 0.2 | %
1 Multiple modifications represents modifications to borrowers in the form of term extensions and other-than-insignificant payment deferrals.
The following tables summarize the financial impacts of loan modifications and payment deferrals, as applicable, during the three and nine months ended September 30, 2024 and September 30, 2023:
|  | Three Months Ended September 30, 2024
|  | Weighted Average Term Extension (In Months) | Weighted Average Payment Delay (In Months) |  | Term Extension (In Months) & Rate Reduction (In Percentage Terms)
Commercial |  |  |  |  |
Owner occupied real estate |  | 6 | — |  |  | — |
Commercial and industrial |  | 21 | — |  |  | — |
|  | Nine Months Ended September 30, 2024
|  | Weighted Average Term Extension (In Months) | Weighted Average Payment Delay (In Months) |  | Term Extension (In Months) & Rate Reduction (In Percentage Terms)
Commercial |  |  |  |  |
Owner occupied real estate |  | 7 | — |  |  | — |
Non–owner occupied real estate |  | 15 | 5 |  | — |
Commercial and industrial |  | 15 | — |  |  | Weighted average term extension of 14 months & Weighted-average interest rate reduction of 2.03%
|  | Three Months Ended September 30, 2023
|  | Weighted Average Term Extension (In Months) |  |  | Term Extension (In Months) & Rate Reduction (In Percentage Terms) | Multiple 1
Commercial |  |  |  |  |  |
Owner occupied real estate |  | 6 |  |  | — |  | — |
Commercial and industrial |  | 4 |  |  | Weighted average term extension of 96 months and weighted average rate reduction of 1.95% | Weighted Average term extension of 36 months and weighted average payment delay of 4 months
1 Multiple modifications represents modifications to borrowers in the form of term extensions and other-than-insignificant payment deferrals.
|  | Nine Months Ended September 30, 2023
|  | Weighted Average Term Extension (In Months) |  |  | Term Extension (In Months) & Rate Reduction (In Percentage Terms) | Multiple 1
Commercial |  |  |  |  |  |
Owner occupied real estate |  | 15 |  |  | — |  | — |
Commercial and industrial |  | 6 |  |  | Weighted average term extension of 75 months and weighted average rate reduction of 1.04% | Weighted Average term extension of 40 months and weighted average payment delay of 7 months
1 Multiple modifications represents modifications to borrowers in the form of term extensions and other-than-insignificant payment deferrals.
Modified Loans Past Due | The following table presents the amortized cost basis at September 30, 2024 of loans to borrowers experiencing financial difficulty that had been modified within the previous 12 months:
| September 30, 2024
| Current |  | 30-89 Days Past Due |  | 90 Days Past Due |  | Total
Commercial |  |  |  |  |  |  |
Owner occupied real estate | $ | 3,986 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,986 |
Non–owner occupied real estate | 2,371 |  |  | — |  |  | — |  |  | 2,371 |
Commercial and industrial | 2,641 |  |  | — |  |  | — |  |  | 2,641 |
Total commercial | 8,998 |  |  | — |  |  | — |  |  | 8,998 |
Total | $ | 8,998 |  |  | $ | — |  |  | $ | — |  |  | $ | 8,998 |
The following table presents the amortized cost basis at September 30, 2023 of loans to borrowers experiencing financial difficulty that had been modified on or after January 1, 2023 (the date we adopted ASU 2022-02) through September 30, 2023:
| September 30, 2023
| Current |  | 30-89 Days Past Due |  | 90 Days Past Due |  | Total
Commercial |  |  |  |  |  |  |
Owner occupied real estate | $ | 2,762 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,762 |
Commercial and industrial | 2,755 |  |  | — |  |  | — |  |  | 2,755 |
Total | $ | 5,517 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,517 |
Schedule of Allowance for Credit Loss Allocated for Collateral Dependent Loans | The tables below present the amortized cost basis and allowance for credit losses (“ACL”) allocated for collateral dependent loans in accordance with ASC 326, which are individually evaluated to determine expected credit losses, at September 30, 2024 and December 31, 2023.
| September 30, 2024
| Real Estate |  | Accounts Receivable/Equipment |  | Other |  | Total (1) |  | ACL Allocation
Commercial |  |  |  |  |  |  |  |  |
Owner occupied real estate | $ | 3,854 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,854 |  |  | $ | 234 |
Non–owner occupied real estate | 456 |  |  | — |  |  | — |  |  | 456 |  |  | — |
Residential spec homes | — |  |  | — |  |  | — |  |  | — |  |  | — |
Development & spec land | 574 |  |  | — |  |  | — |  |  | 574 |  |  | — |
Commercial and industrial | 1,437 |  |  | 509 |  |  | — |  |  | 1,946 |  |  | 799 |
Total commercial | 6,321 |  |  | 509 |  |  | — |  |  | 6,830 |  |  | 1,033 |
Total collateral dependent loans | $ | 6,321 |  |  | $ | 509 |  |  | $ | — |  |  | $ | 6,830 |  |  | $ | 1,033 |
(1) Collateral dependent loans had a collateral fair value of $3.0 million at September 30, 2024
| December 31, 2023
| Real Estate |  | Accounts Receivable/Equipment |  | Other |  | Total (1) |  | ACL Allocation
Commercial |  |  |  |  |  |  |  |  |
Owner occupied real estate | $ | 2,636 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,636 |  |  | $ | 190 |
Non–owner occupied real estate | 3,485 |  |  | — |  |  | — |  |  | 3,485 |  |  | 699 |
Residential spec homes | — |  |  | — |  |  | — |  |  | — |  |  | — |
Development & spec land | 617 |  |  | — |  |  | — |  |  | 617 |  |  | — |
Commercial and industrial | 563 |  |  | 42 |  |  | 20 |  |  | 625 |  |  | 604 |
Total commercial | 7,301 |  |  | 42 |  |  | 20 |  |  | 7,363 |  |  | 1,493 |
Total collateral dependent loans | $ | 7,301 |  |  | $ | 42 |  |  | $ | 20 |  |  | $ | 7,363 |  |  | $ | 1,493 |
(1) Collateral dependent loans had a collateral fair value of $6.3 million at December 31, 2023
Schedule of Loans by Credit Grades | The following tables present loans by credit grades and origination year at September 30, 2024.
September 30, 2024 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Term Loans |  | Revolving Loans |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 45,932 |  |  | $ | 71,649 |  |  | $ | 91,609 |  |  | $ | 68,549 |  |  | $ | 38,369 |  |  | $ | 186,270 |  |  | $ | 79,812 |  |  | $ | 10,369 |  |  | $ | 592,559 |
Special Mention |  | 128 |  |  | 222 |  |  | 2,217 |  |  | 3,657 |  |  | 143 |  |  | 9,316 |  |  | — |  |  | 451 |  |  | 16,134 |
Substandard |  | 552 |  |  | 8,574 |  |  | 1,056 |  |  | 6,346 |  |  | — |  |  | 8,749 |  |  | — |  |  | 500 |  |  | 25,777 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total owner occupied real estate |  | $ | 46,612 |  |  | $ | 80,445 |  |  | $ | 94,882 |  |  | $ | 78,552 |  |  | $ | 38,512 |  |  | $ | 204,335 |  |  | $ | 79,812 |  |  | $ | 11,320 |  |  | $ | 634,470 |
Gross charge–offs for the nine months ended September 30, 2024 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |
Non–owner occupied real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 138,309 |  |  | $ | 118,039 |  |  | $ | 223,155 |  |  | $ | 136,689 |  |  | $ | 102,129 |  |  | $ | 356,777 |  |  | $ | 274,678 |  |  | $ | 12,486 |  |  | $ | 1,362,262 |
Special Mention |  | — |  |  | 1,344 |  |  | 19,090 |  |  | 1,270 |  |  | — |  |  | 37,481 |  |  | — |  |  | — |  |  | 59,185 |
Substandard |  | 84 |  |  | 302 |  |  | — |  |  | — |  |  | 137 |  |  | 2,278 |  |  | — |  |  | — |  |  | 2,801 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total non–owner occupied real estate |  | $ | 138,393 |  |  | $ | 119,685 |  |  | $ | 242,245 |  |  | $ | 137,959 |  |  | $ | 102,266 |  |  | $ | 396,536 |  |  | $ | 274,678 |  |  | $ | 12,486 |  |  | $ | 1,424,248 |
Gross charge–offs for the nine months ended September 30, 2024 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |
Residential spec homes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 364 |  |  | $ | 500 |  |  | $ | — |  |  | $ | 420 |  |  | $ | — |  |  | $ | — |  |  | $ | 6,932 |  |  | $ | 8,231 |  |  | $ | 16,447 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential spec homes |  | $ | 364 |  |  | $ | 500 |  |  | $ | — |  |  | $ | 420 |  |  | $ | — |  |  | $ | — |  |  | $ | 6,932 |  |  | $ | 8,231 |  |  | $ | 16,447 |
Gross charge–offs for the nine months ended September 30, 2024 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Development & spec land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 721 |  |  | $ | 4,152 |  |  | $ | 796 |  |  | $ | 119 |  |  | $ | 343 |  |  | $ | 1,986 |  |  | $ | 20,894 |  |  | $ | 292 |  |  | $ | 29,303 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 320 |  |  | — |  |  | — |  |  | 320 |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 97 |  |  | 574 |  |  | — |  |  | 671 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total development & spec land |  | $ | 721 |  |  | $ | 4,152 |  |  | $ | 796 |  |  | $ | 119 |  |  | $ | 343 |  |  | $ | 2,403 |  |  | $ | 21,468 |  |  | $ | 292 |  |  | $ | 30,294 |
Gross charge–offs for the nine months ended September 30, 2024 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial & industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 148,245 |  |  | $ | 108,640 |  |  | $ | 133,693 |  |  | $ | 77,002 |  |  | $ | 8,122 |  |  | $ | 66,359 |  |  | $ | 54,988 |  |  | $ | 169,710 |  |  | $ | 766,759 |
Special Mention |  | 1,043 |  |  | 905 |  |  | 1,235 |  |  | 28 |  |  | 907 |  |  | 1,556 |  |  | 10,249 |  |  | 12,948 |  |  | 28,871 |
Substandard |  | 191 |  |  | 1,813 |  |  | 853 |  |  | 365 |  |  | 292 |  |  | 3,780 |  |  | 1,325 |  |  | 4,351 |  |  | 12,970 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial & industrial |  | $ | 149,479 |  |  | $ | 111,358 |  |  | $ | 135,781 |  |  | $ | 77,395 |  |  | $ | 9,321 |  |  | $ | 71,695 |  |  | $ | 66,562 |  |  | $ | 187,009 |  |  | $ | 808,600 |
Gross charge–offs for the nine months ended September 30, 2024 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 40 |  |  | $ | 108 |  |  | $ | — |  |  | $ | 148 |
September 30, 2024 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Term Loans |  | Revolving Loans |  | Total
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 52,449 |  |  | $ | 149,467 |  |  | $ | 163,825 |  |  | $ | 142,833 |  |  | $ | 80,086 |  |  | $ | 185,697 |  |  | $ | — |  |  | $ | — |  |  | $ | 774,357 |
Non–performing |  | — |  |  | 925 |  |  | 1,965 |  |  | 1,190 |  |  | 342 |  |  | 5,178 |  |  | — |  |  | — |  |  | 9,600 |
Total residential mortgage |  | $ | 52,449 |  |  | $ | 150,392 |  |  | $ | 165,790 |  |  | $ | 144,023 |  |  | $ | 80,428 |  |  | $ | 190,875 |  |  | $ | — |  |  | $ | — |  |  | $ | 783,957 |
Gross charge–offs for the nine months ended September 30, 2024 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 5 |  |  | $ | — |  |  | $ | — |  |  | $ | 5 |
Residential construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 17,359 |  |  | $ | 40 |  |  | $ | 17,399 |
Non–performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential construction |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 17,359 |  |  | $ | 40 |  |  | $ | 17,399 |
Gross charge–offs for the nine months ended September 30, 2024 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Mortgage warehouse |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 80,437 |  |  | $ | 80,437 |
Non–performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total mortgage warehouse |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 80,437 |  |  | $ | 80,437 |
Gross charge–offs for the nine months ended September 30, 2024 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
September 30, 2024 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Term Loans |  | Revolving Loans |  | Total
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 9,771 |  |  | $ | 63,461 |  |  | $ | 10,359 |  |  | $ | 5,899 |  |  | $ | 3,010 |  |  | $ | 6,719 |  |  | $ | 5 |  |  | $ | 1,932 |  |  | $ | 101,156 |
Non–performing |  | — |  |  | 302 |  |  | 23 |  |  | 52 |  |  | — |  |  | 21 |  |  | — |  |  | — |  |  | 398 |
Total installment |  | $ | 9,771 |  |  | $ | 63,763 |  |  | $ | 10,382 |  |  | $ | 5,951 |  |  | $ | 3,010 |  |  | $ | 6,740 |  |  | $ | 5 |  |  | $ | 1,932 |  |  | $ | 101,554 |
Gross charge–offs for the nine months ended September 30, 2024 |  | $ | 66 |  |  | $ | 59 |  |  | $ | 166 |  |  | $ | 1 |  |  | $ | 35 |  |  | $ | 22 |  |  | $ | 8 |  |  | $ | — |  |  | $ | 357 |
Indirect auto |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 29,177 |  |  | $ | 76,552 |  |  | $ | 145,560 |  |  | $ | 57,303 |  |  | $ | 21,587 |  |  | $ | 10,268 |  |  | $ | — |  |  | $ | — |  |  | $ | 340,447 |
Non–performing |  | 120 |  |  | 237 |  |  | 601 |  |  | 227 |  |  | 213 |  |  | 134 |  |  | — |  |  | — |  |  | 1,532 |
Total indirect auto |  | $ | 29,297 |  |  | $ | 76,789 |  |  | $ | 146,161 |  |  | $ | 57,530 |  |  | $ | 21,800 |  |  | $ | 10,402 |  |  | $ | — |  |  | $ | — |  |  | $ | 341,979 |
Gross charge–offs for the nine months ended September 30, 2024 |  | $ | — |  |  | $ | 227 |  |  | $ | 852 |  |  | $ | 330 |  |  | $ | 125 |  |  | $ | 80 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,614 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 10,936 |  |  | $ | 23,248 |  |  | $ | 17,222 |  |  | $ | 5,498 |  |  | $ | 1,992 |  |  | $ | 10,142 |  |  | $ | 18,999 |  |  | $ | 470,548 |  |  | $ | 558,585 |
Non–performing |  | — |  |  | 190 |  |  | 318 |  |  | — |  |  | 31 |  |  | 324 |  |  | 5,163 |  |  | — |  |  | 6,026 |
Total home equity |  | $ | 10,936 |  |  | $ | 23,438 |  |  | $ | 17,540 |  |  | $ | 5,498 |  |  | $ | 2,023 |  |  | $ | 10,466 |  |  | $ | 24,162 |  |  | $ | 470,548 |  |  | $ | 564,611 |
Gross charge–offs for the nine months ended September 30, 2024 |  | $ | — |  |  | $ | 25 |  |  | $ | 52 |  |  | $ | 88 |  |  | $ | — |  |  | $ | 39 |  |  | $ | 109 |  |  | $ | 11 |  |  | $ | 324 |
The following tables present loans by credit grades and origination year at December 31, 2023.
December 31, 2023 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Term Loans |  | Revolving Loans |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 66,814 |  |  | $ | 101,620 |  |  | $ | 73,199 |  |  | $ | 44,067 |  |  | $ | 41,726 |  |  | $ | 173,913 |  |  | $ | 93,432 |  |  | $ | 8,226 |  |  | $ | 602,997 |
Special Mention |  | 3,920 |  |  | 490 |  |  | 3,777 |  |  | — |  |  | 2,038 |  |  | 8,128 |  |  | — |  |  | 452 |  |  | 18,805 |
Substandard |  | 1,376 |  |  | — |  |  | 6,490 |  |  | 966 |  |  | 228 |  |  | 9,339 |  |  | 530 |  |  | — |  |  | 18,929 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total owner occupied real estate |  | $ | 72,110 |  |  | $ | 102,110 |  |  | $ | 83,466 |  |  | $ | 45,033 |  |  | $ | 43,992 |  |  | $ | 191,380 |  |  | $ | 93,962 |  |  | $ | 8,678 |  |  | $ | 640,731 |
Gross charge–offs for the year ended December 31, 2023 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 15 |  |  | $ | 401 |  |  | $ | — |  |  | $ | 416 |
Non–owner occupied real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 116,031 |  |  | $ | 197,702 |  |  | $ | 149,540 |  |  | $ | 104,591 |  |  | $ | 83,394 |  |  | $ | 303,191 |  |  | $ | 246,569 |  |  | $ | 9,878 |  |  | $ | 1,210,896 |
Special Mention |  | 1,366 |  |  | 16,135 |  |  | 1,334 |  |  | 254 |  |  | 845 |  |  | 36,590 |  |  | — |  |  | — |  |  | 56,524 |
Substandard |  | — |  |  | — |  |  | — |  |  | 185 |  |  | — |  |  | 6,233 |  |  | — |  |  | — |  |  | 6,418 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total non–owner occupied real estate |  | $ | 117,397 |  |  | $ | 213,837 |  |  | $ | 150,874 |  |  | $ | 105,030 |  |  | $ | 84,239 |  |  | $ | 346,014 |  |  | $ | 246,569 |  |  | $ | 9,878 |  |  | $ | 1,273,838 |
Gross charge–offs for the year ended December 31, 2023 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 10 |  |  | $ | — |  |  | $ | — |  |  | $ | 10 |
Residential spec homes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | — |  |  | $ | — |  |  | $ | 498 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 5,852 |  |  | $ | 7,139 |  |  | $ | 13,489 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential spec homes |  | $ | — |  |  | $ | — |  |  | $ | 498 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 5,852 |  |  | $ | 7,139 |  |  | $ | 13,489 |
Gross charge–offs for the year ended December 31, 2023 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 29 |  |  | $ | — |  |  | $ | 29 |
Development & spec land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 5,133 |  |  | $ | 1,477 |  |  | $ | 990 |  |  | $ | 390 |  |  | $ | 247 |  |  | $ | 3,146 |  |  | $ | 20,236 |  |  | $ | 170 |  |  | $ | 31,789 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,529 |  |  | — |  |  | 1,529 |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 104 |  |  | 617 |  |  | — |  |  | 721 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total development & spec land |  | $ | 5,133 |  |  | $ | 1,477 |  |  | $ | 990 |  |  | $ | 390 |  |  | $ | 247 |  |  | $ | 3,250 |  |  | $ | 22,382 |  |  | $ | 170 |  |  | $ | 34,039 |
Gross charge–offs for the year ended December 31, 2023 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 73 |  |  | $ | — |  |  | $ | — |  |  | $ | 73 |
Commercial & industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 121,969 |  |  | $ | 151,847 |  |  | $ | 93,709 |  |  | $ | 12,154 |  |  | $ | 20,497 |  |  | $ | 59,041 |  |  | $ | 60,539 |  |  | $ | 147,773 |  |  | $ | 667,529 |
Special Mention |  | 1,434 |  |  | 726 |  |  | 265 |  |  | 2,137 |  |  | 119 |  |  | 1,305 |  |  | 9,375 |  |  | 18,836 |  |  | 34,197 |
Substandard |  | 1,595 |  |  | 703 |  |  | 223 |  |  | 211 |  |  | 768 |  |  | 2,404 |  |  | 2,863 |  |  | 2,370 |  |  | 11,137 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial & industrial |  | $ | 124,998 |  |  | $ | 153,276 |  |  | $ | 94,197 |  |  | $ | 14,502 |  |  | $ | 21,384 |  |  | $ | 62,750 |  |  | $ | 72,777 |  |  | $ | 168,979 |  |  | $ | 712,863 |
Gross charge–offs for the year ended December 31, 2023 |  | $ | — |  |  | $ | 33 |  |  | $ | — |  |  | $ | 123 |  |  | $ | 25 |  |  | $ | 351 |  |  | $ | 344 |  |  | $ | — |  |  | $ | 876 |
December 31, 2023 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Term Loans |  | Revolving Loans |  | Total
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 40,920 |  |  | $ | 154,803 |  |  | $ | 157,480 |  |  | $ | 85,159 |  |  | $ | 30,464 |  |  | $ | 177,411 |  |  | $ | — |  |  | $ | — |  |  | $ | 646,237 |
Non–performing |  | 118 |  |  | 1,591 |  |  | 748 |  |  | 259 |  |  | 647 |  |  | 4,695 |  |  | — |  |  | — |  |  | 8,058 |
Total residential mortgage |  | $ | 41,038 |  |  | $ | 156,394 |  |  | $ | 158,228 |  |  | $ | 85,418 |  |  | $ | 31,111 |  |  | $ | 182,106 |  |  | $ | — |  |  | $ | — |  |  | $ | 654,295 |
Gross charge–offs for the year ended December 31, 2023 |  | $ | — |  |  | $ | 28 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 20 |  |  | $ | — |  |  | $ | — |  |  | $ | 48 |
Residential construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 26,841 |  |  | $ | — |  |  | $ | 26,841 |
Non–performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential construction |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 26,841 |  |  | $ | — |  |  | $ | 26,841 |
Gross charge–offs for the year ended December 31, 2023 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Mortgage warehouse |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 45,078 |  |  | $ | 45,078 |
Non–performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total mortgage warehouse |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 45,078 |  |  | $ | 45,078 |
Gross charge–offs for the year ended December 31, 2023 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
December 31, 2023 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Term Loans |  | Revolving Loans |  | Total
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Installment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 14,835 |  |  | $ | 13,447 |  |  | $ | 7,859 |  |  | $ | 4,246 |  |  | $ | 4,449 |  |  | $ | 5,074 |  |  | $ | 6 |  |  | $ | 2,362 |  |  | $ | 52,278 |
Non–performing |  | — |  |  | 44 |  |  | 10 |  |  | — |  |  | 27 |  |  | 7 |  |  | — |  |  | — |  |  | 88 |
Total installment |  | $ | 14,835 |  |  | $ | 13,491 |  |  | $ | 7,869 |  |  | $ | 4,246 |  |  | $ | 4,476 |  |  | $ | 5,081 |  |  | $ | 6 |  |  | $ | 2,362 |  |  | $ | 52,366 |
Gross charge–offs for the year ended December 31, 2023 |  | $ | 33 |  |  | $ | 28 |  |  | $ | 31 |  |  | $ | 10 |  |  | $ | 32 |  |  | $ | 27 |  |  | $ | 6 |  |  | $ | — |  |  | $ | 167 |
Indirect auto |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 65,260 |  |  | $ | 191,871 |  |  | $ | 80,773 |  |  | $ | 35,995 |  |  | $ | 16,690 |  |  | $ | 8,159 |  |  | $ | — |  |  | $ | — |  |  | $ | 398,748 |
Non–performing |  | 49 |  |  | 424 |  |  | 312 |  |  | 229 |  |  | 124 |  |  | 60 |  |  | — |  |  | — |  |  | 1,198 |
Total indirect auto |  | $ | 65,309 |  |  | $ | 192,295 |  |  | $ | 81,085 |  |  | $ | 36,224 |  |  | $ | 16,814 |  |  | $ | 8,219 |  |  | $ | — |  |  | $ | — |  |  | $ | 399,946 |
Gross charge–offs for the year ended December 31, 2023 |  | $ | 86 |  |  | $ | 1,388 |  |  | $ | 708 |  |  | $ | 137 |  |  | $ | 58 |  |  | $ | 74 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,451 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 26,376 |  |  | $ | 21,379 |  |  | $ | 5,121 |  |  | $ | 2,447 |  |  | $ | 3,885 |  |  | $ | 9,987 |  |  | $ | 12,713 |  |  | $ | 478,673 |  |  | $ | 560,581 |
Non–performing |  | — |  |  | 212 |  |  | — |  |  | 54 |  |  | 177 |  |  | 260 |  |  | 2,860 |  |  | — |  |  | 3,563 |
Total home equity |  | $ | 26,376 |  |  | $ | 21,591 |  |  | $ | 5,121 |  |  | $ | 2,501 |  |  | $ | 4,062 |  |  | $ | 10,247 |  |  | $ | 15,573 |  |  | $ | 478,673 |  |  | $ | 564,144 |
Gross charge–offs for the year ended December 31, 2023 |  | $ | — |  |  | $ | 10 |  |  | $ | — |  |  | $ | 103 |  |  | $ | — |  |  | $ | 91 |  |  | $ | 13 |  |  | $ | — |  |  | $ | 217 |

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