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ALLOWANCE FOR CREDIT LOSSES AND RESERVE FOR OFF-BALANCE SHEET CREDIT EXPOSURES | 9 Months Ended
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Sep. 30, 2025
ALLOWANCE FOR LOAN AND LEASE LOSSES |
ALLOWANCE FOR CREDIT LOSSES AND RESERVE FOR OFF-BALANCE SHEET CREDIT EXPOSURES | 4. ALLOWANCE FOR CREDIT LOSSES AND RESERVE FOR OFF-BALANCE SHEET CREDIT EXPOSURES The following tables present by segment, the activities in the ACL on loans during the periods presented:
(dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Three Months Ended September 30, 2025 |  |  |  |  |  | Commercial and Industrial |  | Construction |  | Residential Mortgage |  | Home Equity |  | Commercial Mortgage |  | Consumer |  |  |  | Total
Beginning balance |  |  |  |  |  | $ | 7,240 |  |  | $ | 3,363 |  |  | $ | 13,878 |  |  | $ | 1,049 |  |  | $ | 20,265 |  |  | $ | 13,816 |  |  |  |  | $ | 59,611 |
Provision (credit) for credit losses on loans |  |  |  |  |  | 516 |  |  | 603 |  |  | 303 |  |  | 105 |  |  | 299 |  |  | 1,614 |  |  |  |  | 3,440 |
Gross charge-offs |  |  |  |  |  | (1,071) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (2,824) |  |  |  |  | (3,895) |
Gross recoveries |  |  |  |  |  | 204 |  |  | — |  |  | 8 |  |  | 9 |  |  | — |  |  | 1,016 |  |  |  |  | 1,237 |
Net (charge-offs) recoveries |  |  |  |  |  | (867) |  |  | — |  |  | 8 |  |  | 9 |  |  | — |  |  | (1,808) |  |  |  |  | (2,658) |
Ending balance |  |  |  |  |  | $ | 6,889 |  |  | $ | 3,966 |  |  | $ | 14,189 |  |  | $ | 1,163 |  |  | $ | 20,564 |  |  | $ | 13,622 |  |  |  |  | $ | 60,393 |
(dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Three Months Ended September 30, 2024 |  |  |  |  |  | Commercial and Industrial |  | Construction |  | Residential Mortgage |  | Home Equity |  | Commercial Mortgage |  | Consumer |  |  |  | Total
Beginning balance |  |  |  |  |  | $ | 7,071 |  |  | $ | 3,798 |  |  | $ | 15,389 |  |  | $ | 3,829 |  |  | $ | 17,337 |  |  | $ | 14,801 |  |  |  |  | $ | 62,225 |
Provision (credit) for credit losses on loans |  |  |  |  |  | 617 |  |  | (1,230) |  |  | 1,052 |  |  | (1,360) |  |  | 1,204 |  |  | 2,757 |  |  |  |  | 3,040 |
Gross charge-offs |  |  |  |  |  | (663) |  |  | — |  |  | (99) |  |  | — |  |  | — |  |  | (3,956) |  |  |  |  | (4,718) |
Gross recoveries |  |  |  |  |  | 158 |  |  | — |  |  | 8 |  |  | — |  |  | — |  |  | 934 |  |  |  |  | 1,100 |
Net (charge-offs) recoveries |  |  |  |  |  | (505) |  |  | — |  |  | (91) |  |  | — |  |  | — |  |  | (3,022) |  |  |  |  | (3,618) |
Ending balance |  |  |  |  |  | $ | 7,183 |  |  | $ | 2,568 |  |  | $ | 16,350 |  |  | $ | 2,469 |  |  | $ | 18,541 |  |  | $ | 14,536 |  |  |  |  | $ | 61,647 |
(dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nine Months Ended September 30, 2025 |  |  |  |  |  | Commercial and Industrial |  | Construction |  | Residential Mortgage |  | Home Equity |  | Commercial Mortgage |  | Consumer |  |  |  | Total
Beginning balance |  |  |  |  |  | $ | 7,113 |  |  | $ | 2,316 |  |  | $ | 15,267 |  |  | $ | 2,335 |  |  | $ | 18,882 |  |  | $ | 13,269 |  |  |  |  | $ | 59,182 |
Provision (credit) for credit losses on loans |  |  |  |  |  | 3,715 |  |  | 1,647 |  |  | (1,103) |  |  | (1,193) |  |  | 1,682 |  |  | 6,407 |  |  |  |  | 11,155 |
Gross charge-offs |  |  |  |  |  | (4,509) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (8,665) |  |  |  |  | (13,174) |
Gross recoveries |  |  |  |  |  | 570 |  |  | 3 |  |  | 25 |  |  | 21 |  |  | — |  |  | 2,611 |  |  |  |  | 3,230 |
Net (charge-offs) recoveries |  |  |  |  |  | (3,939) |  |  | 3 |  |  | 25 |  |  | 21 |  |  | — |  |  | (6,054) |  |  |  |  | (9,944) |
Ending balance |  |  |  |  |  | $ | 6,889 |  |  | $ | 3,966 |  |  | $ | 14,189 |  |  | $ | 1,163 |  |  | $ | 20,564 |  |  | $ | 13,622 |  |  |  |  | $ | 60,393 |
(dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nine Months Ended September 30, 2024 |  |  |  |  |  | Commercial and Industrial |  | Construction |  | Residential Mortgage |  | Home Equity |  | Commercial Mortgage |  | Consumer |  |  |  | Total
Beginning balance |  |  |  |  |  | $ | 7,181 |  |  | $ | 4,004 |  |  | $ | 14,626 |  |  | $ | 3,501 |  |  | $ | 17,543 |  |  | $ | 17,079 |  |  |  |  | $ | 63,934 |
Provision (credit) for credit losses on loans |  |  |  |  |  | 1,488 |  |  | (1,436) |  |  | 2,082 |  |  | (1,038) |  |  | 998 |  |  | 7,515 |  |  |  |  | 9,609 |
Gross charge-offs |  |  |  |  |  | (1,864) |  |  | — |  |  | (383) |  |  | — |  |  | — |  |  | (13,139) |  |  |  |  | (15,386) |
Gross recoveries |  |  |  |  |  | 378 |  |  | — |  |  | 25 |  |  | 6 |  |  | — |  |  | 3,081 |  |  |  |  | 3,490 |
Net (charge-offs) recoveries |  |  |  |  |  | (1,486) |  |  | — |  |  | (358) |  |  | 6 |  |  | — |  |  | (10,058) |  |  |  |  | (11,896) |
Ending balance |  |  |  |  |  | $ | 7,183 |  |  | $ | 2,568 |  |  | $ | 16,350 |  |  | $ | 2,469 |  |  | $ | 18,541 |  |  | $ | 14,536 |  |  |  |  | $ | 61,647 |
The following table presents the activities in the reserve for off-balance sheet credit exposures, which is reported within other liabilities on the Company's consolidated balance sheets, for the periods presented. The related provision (credit) for off-balance sheet credit exposures is included in the provision for credit losses on the Company's consolidated statements of income for the periods presented.
| Three Months Ended September 30, |  | Nine Months Ended September 30,
(dollars in thousands) | 2025 |  | 2024 |  | 2025 |  | 2024
Beginning balance | $ | 4,014 |  |  | $ | 3,312 |  |  | $ | 2,570 |  |  | $ | 3,706 |
Provision (credit) for off-balance sheet credit exposures | 717 |  |  | (207) |  |  | 2,161 |  |  | (601) |
Ending balance | $ | 4,731 |  |  | $ | 3,105 |  |  | $ | 4,731 |  |  | $ | 3,105 |

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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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