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ALLOWANCE FOR CREDIT LOSSES AND RESERVE FOR OFF-BALANCE SHEET CREDIT EXPOSURES (Tables)
3 Months Ended
Mar. 31, 2025
ALLOWANCE FOR LOAN AND LEASE LOSSES  
Schedule of activity in the allowance, by class
The following tables present by class, the activities in the ACL on loans during the periods presented:

(dollars in thousands)Real Estate 
Three Months Ended March 31, 2025Commercial and IndustrialConstructionResidential MortgageHome EquityCommercial MortgageConsumerTotal
Beginning balance$7,113 $2,316 $15,267 $2,335 $18,882 $13,269 $59,182 
Provision (credit) for credit losses on loans719 (34)659 (530)641 2,450 3,905 
Subtotal7,832 2,282 15,926 1,805 19,523 15,719 63,087 
Charge-offs(580)— — — — (2,977)(3,557)
Recoveries171 — 10 — 755 939 
Net (charge-offs) recoveries(409)— 10 — (2,222)(2,618)
Ending balance$7,423 $2,282 $15,936 $1,808 $19,523 $13,497 $60,469 

(dollars in thousands)Real Estate
Three Months Ended March 31, 2024Commercial and IndustrialConstructionResidential MortgageHome EquityCommercial MortgageConsumerTotal
Beginning balance$7,181 $4,004 $14,626 $3,501 $17,543 $17,079 $63,934 
Provision (credit) for credit losses on loans419 (385)1,392 226 (539)3,008 4,121 
Subtotal7,600 3,619 16,018 3,727 17,004 20,087 68,055 
Charge-offs(682)— — — — (4,838)(5,520)
Recoveries90 — — 893 997 
Net (charge-offs) recoveries(592)— — (3,945)(4,523)
Ending balance$7,008 $3,619 $16,026 $3,733 $17,004 $16,142 $63,532 
Schedule of Credit Losses Related to Impaired Financing Receivables
The following table presents the activities in the reserve for off-balance sheet credit exposures, included in other liabilities, during the periods presented. The provision (credit) for off-balance sheet credit exposures is included in the provision for credit losses on the Company's income statement during the periods presented.

Three Months Ended March 31,
(dollars in thousands)20252024
Beginning balance$2,570 $3,706 
Provision (credit) for off-balance sheet credit exposures267 (185)
Ending balance$2,837 $3,521