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LOANS AND CREDIT QUALITY (Tables)

12 Months Ended

Dec. 31, 2024

Receivables [Abstract]

Schedule of loans and leases, excluding loans held for sale

Loans, net of deferred fees and costs as of December 31, 2024 and 2023 consisted of the following:

			December 31,
(Dollars in thousands)			2024						2023
Commercial and industrial			$	606,936					$	575,707
Real estate:
Construction			145,211						185,519
Residential mortgage			1,892,520						1,927,789
Home equity			676,982						736,524
Commercial mortgage			1,500,680						1,382,902
Consumer			510,523						630,541
Loans, net of deferred fees and costs			$	5,332,852					$	5,438,982

Financing Receivable, Purchased With Credit Deterioration

The following table presents loan purchases by class for the periods presented:

Schedule of balance in the allowance for loan and lease losses and the recorded investment in loans and lease based on the impairment measurement methods, by class

In accordance with ASC 326, a loan is considered collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. The following table presents the amortized cost basis of collateral-dependent loans by class, which are individually evaluated to determine expected credit losses, and the related ACL allocated to these loans as of December 31, 2024 and 2023:

			December 31, 2024
(Dollars in thousands)			Secured by 1-4 Family Residential Properties						Secured by Nonfarm Nonresidential Properties																		Total						Allocated ACL
Real estate:
Residential mortgage			$	9,044					$	—																	$	9,044					$	—
Home equity			952						—																		952						—
Total			$	9,996					$	—																	$	9,996					$	—

			December 31, 2023
(Dollars in thousands)			Secured by 1-4 Family Residential Properties						Secured by Nonfarm Nonresidential Properties																		Total						Allocated ACL
Real estate:
Residential mortgage			$	6,450					$	—																	$	6,450					$	47
Home equity			834						—																		834						—
Commercial mortgage			—						77																		77						—
Total			$	7,284					$	77																	$	7,361					$	47

Schedule of aging of the recorded investment in past due loans and leases, by class

The following tables present by class, the aging of the recorded investment in past due loans as of December 31, 2024 and 2023. The following tables also present the amortized cost of loans on nonaccrual status for which there was no related ACL as of the dates indicated:

			December 31, 2024
(Dollars in thousands)			Accruing Loans 30 - 59 Days Past Due						Accruing Loans 60 - 89 Days Past Due						Accruing Loans 90+  Days Past Due						Nonaccrual Loans						Total Past Due and Nonaccrual						Loans and Leases Not Past Due						Total						Nonaccrual Loans with No ACL
Commercial and industrial			$	2,978					$	210					$	—					$	414					$	3,602					$	603,334					$	606,936					$	—
Real estate:
Construction			—						—						—						—						—						145,211						145,211						—
Residential mortgage			8,880						3,316						323						9,044						21,563						1,870,957						1,892,520						9,044
Home equity			943						485						78						952						2,458						674,524						676,982						952
Commercial mortgage			—						—						—						—						—						1,500,680						1,500,680						—
Consumer			5,255						1,444						373						608						7,680						502,843						510,523						—
Total			$	18,056					$	5,455					$	774					$	11,018					$	35,303					$	5,297,549					$	5,332,852					$	9,996

			December 31, 2023
(Dollars in thousands)			Accruing Loans 30 - 59 Days Past Due						Accruing Loans 60 - 89 Days Past Due						Accruing Loans 90+  Days Past Due						Nonaccrual Loans						Total Past Due and Nonaccrual						Loans and Leases Not Past Due						Total						Nonaccrual Loans with No ACL
Commercial and industrial			$	513					$	169					$	—					$	432					$	1,114					$	574,593					$	575,707					$	—
Real estate:
Construction			—						—						—						—						—						185,519						185,519						—
Residential mortgage			3,082						2,140						—						4,962						10,184						1,917,605						1,927,789						4,855
Home equity			804						400						229						834						2,267						734,257						736,524						834
Commercial mortgage			—						—						—						77						77						1,382,825						1,382,902						77
Consumer			5,677						2,329						1,083						703						9,792						620,749						630,541						—
Total			$	10,076					$	5,038					$	1,312					$	7,008					$	23,434					$	5,415,548					$	5,438,982					$	5,766

Schedule of recorded investment in the loans and leases, by class and credit indicator

The following tables present the amortized cost basis, net of deferred (fees) costs of the Company's loans by class, credit quality indicator and origination year as of December 31, 2024 and 2023. Revolving loans converted to term as of and during the year ended December 31, 2024 and 2023 were not material to the total loan portfolio.

			Amortized Cost of Term Loans by Origination Year
(Dollars in thousands)			2024						2023						2022						2021						2020						Prior						Amortized Cost of Revolving Loans						Total
December 31, 2024
Commercial and industrial:
Risk Rating
Pass			$	167,816					$	58,905					$	69,576					$	57,354					$	21,827					$	142,546					$	81,876					$	599,900
Special Mention			—						—						—						2,539						—						—						—						2,539
Substandard			3,372						110						922						11						—						82						—						4,497
Subtotal			171,188						59,015						70,498						59,904						21,827						142,628						81,876						606,936
Construction:
Risk Rating
Pass			10,141						33,646						35,398						19,217						11,754						34,937						118						145,211
Subtotal			10,141						33,646						35,398						19,217						11,754						34,937						118						145,211
Residential mortgage:
Risk Rating
Pass			85,844						89,118						259,516						589,118						393,633						465,032						—						1,882,261
Substandard			—						—						1,599						616						1,855						6,189						—						10,259
Subtotal			85,844						89,118						261,115						589,734						395,488						471,221						—						1,892,520
Home equity:
Risk Rating
Pass			1,060						11,787						28,687						18,277						8,406						25,235						582,499						675,951
Substandard			—						—						—						—						—						1,031						—						1,031
Subtotal			1,060						11,787						28,687						18,277						8,406						26,266						582,499						676,982
Commercial mortgage:
Risk Rating
Pass			180,391						95,323						235,344						223,724						111,399						635,255						5,731						1,487,167
Special Mention			—						621						—						2,506						—						2,930						—						6,057
Substandard			—						—						—						—						—						7,456						—						7,456
Subtotal			180,391						95,944						235,344						226,230						111,399						645,641						5,731						1,500,680
Consumer:
Risk Rating
Pass			95,971						60,771						173,097						92,976						20,838						14,466						51,422						509,541
Substandard			21						90						162						144						27						478						60						982
Subtotal			95,992						60,861						173,259						93,120						20,865						14,944						51,482						510,523
Total loans, net of deferred fees and costs			$	544,616					$	350,371					$	804,301					$	1,006,482					$	569,739					$	1,335,637					$	721,706					$	5,332,852

The following table includes gross charge-offs of loans by origination year during the year ended December 31, 2024.

			Gross Charge-offs by Year of Origination
(Dollars in thousands)			2024						2023						2022						2021						2020						Prior						Amortized Cost of Revolving Loans						Total
Commercial and industrial:			$	102					$	434					$	438					$	519					$	33					$	1,451					$	—					$	2,977
Real estate:
Residential mortgage			—						—						175						—						—						208						—						383
Consumer			140						675						10,132						4,179						481						1,259						—						16,866
Total gross charge-offs			$	242					$	1,109					$	10,745					$	4,698					$	514					$	2,918					$	—					$	20,226

			Amortized Cost of Term Loans by Origination Year
(Dollars in thousands)			2023						2022						2021						2020						2019						Prior						Amortized Cost of Revolving Loans						Total
December 31, 2023
Commercial and industrial:
Risk Rating
Pass			$	83,333					$	82,649					$	77,551					$	32,831					$	42,162					$	152,940					$	90,177					$	561,643
Special Mention			—						—						2,916						—						—						944						93						3,953
Substandard			37						1,189						576						662						571						7,026						50						10,111
Subtotal			83,370						83,838						81,043						33,493						42,733						160,910						90,320						575,707
Construction:
Risk Rating
Pass			8,434						52,596						69,203						18,878						2,136						31,090						2,778						185,115
Special Mention			—						—						404						—						—						—						—						404
Subtotal			8,434						52,596						69,607						18,878						2,136						31,090						2,778						185,519
Residential mortgage:
Risk Rating
Pass			101,473						266,314						609,648						414,430						144,312						385,452						—						1,921,629
Special Mention			—						—						—						—						—						268						—						268
Substandard			—						1,057						299						931						818						2,787						—						5,892
Subtotal			101,473						267,371						609,947						415,361						145,130						388,507						—						1,927,789
Home equity:
Risk Rating
Pass			12,229						32,208						19,589						8,766						6,372						17,379						638,917						735,460
Substandard			—						—						—						—						66						998						—						1,064
Subtotal			12,229						32,208						19,589						8,766						6,438						18,377						638,917						736,524
Commercial mortgage:
Risk Rating
Pass			96,479						256,660						202,933						115,055						112,578						566,325						6,311						1,356,341
Special Mention			—						—						—						—						10,513						9,638						—						20,151
Substandard			—						—						2,587						—						1,654						2,169						—						6,410
Subtotal			96,479						256,660						205,520						115,055						124,745						578,132						6,311						1,382,902
Consumer:
Risk Rating
Pass			88,593						261,752						144,341						36,431						27,970						10,538						59,130						628,755
Substandard			58						231						205						87						83						1,084						10						1,758
Loss			—						—						—						—						—						28						—						28
Subtotal			88,651						261,983						144,546						36,518						28,053						11,650						59,140						630,541
Total loans, net of deferred fees and costs			$	390,636					$	954,656					$	1,130,252					$	628,071					$	349,235					$	1,188,666					$	797,466					$	5,438,982

The following table includes gross charge-offs of loans by origination year during the year ended December 31, 2023.

			Gross Charge-offs by Year of Origination
(Dollars in thousands)			2023						2022						2021						2020						2019						Prior						Amortized Cost of Revolving Loans						Total
Commercial and industrial:			$	211					$	314					$	204					$	—					$	276					$	957					$	—					$	1,962
Consumer			111						8,282						5,997						1,148						833						874						—						17,245
Total gross charge-offs			$	322					$	8,596					$	6,201					$	1,148					$	1,109					$	1,831					$	—					$	19,207

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Financing Receivable, Purchased With Credit Deterioration

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Tabular disclosure of allowance for credit loss on financing receivable.

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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.

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Tabular disclosure of aging analysis for financing receivable.

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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

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