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Loans and Allowance for Credit Losses - Loans (Tables)

6 Months Ended

Jun. 30, 2024

Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]

Schedule of Financing Receivable Credit Quality Indicators

Loans, net of unearned income, are summarized as follows by portfolio segment:

(In thousands)			June 30, 2024						December 31, 2023
Commercial real estate
CRE Nonowner Occupied			$	1,187,050					$	1,149,553
CRE Owner Occupied			623,756						629,904
Multifamily			374,175						309,059
Farmland			213,002						212,690
Total Commercial real estate			2,397,983						2,301,206
Commercial and industrial			692,703						675,079
Construction
Residential Construction			105,676						92,843
Other Construction			348,289						362,624
Total Construction			453,965						455,467
Residential mortgage
1-4 Family 1st Lien			327,302						339,142
1-4 Family Rental			351,554						341,937
HELOC and Junior Liens			134,686						132,795
Total Residential Mortgage			813,542						813,874
Consumer			6,368						7,166
Total loans			$	4,364,561					$	4,252,792

			June 30, 2024
			Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis
(In thousands)																																				2024									2023						2022						2021						2020						Prior									Total
CRE Nonowner Occupied
Pass			$	37,757					$	123,658					$	352,395					$	155,832					$	137,304					$	338,754					$	13,338					$	1,159,038
Special mention			$	—					$	—					$	286					$	—					$	—					$	8,563					$	—					$	8,849
Substandard or lower			$	—					$	—					$	—					$	—					$	3,186					$	15,977					$	—					$	19,163
Total CRE Nonowner Occupied			$	37,757					$	123,658					$	352,681					$	155,832					$	140,490					$	363,294					$	13,338					$	1,187,050
Gross charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Current period recoveries			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Net charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
CRE Owner Occupied
Pass			$	22,571					$	95,962					$	112,787					$	69,370					$	84,057					$	217,751					$	12,469					$	614,967
Special mention			$	—					$	—					$	4,197					$	—					$	—					$	1,196					$	—					$	5,393
Substandard or lower			$	—					$	—					$	—					$	202					$	—					$	3,194					$	—					$	3,396
Total CRE Owner Occupied			$	22,571					$	95,962					$	116,984					$	69,572					$	84,057					$	222,141					$	12,469					$	623,756
Gross charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Current period recoveries			$	—					$	—					$	—					$	—					$	—					$	4					$	—					$	4
Net charge offs			$	—					$	—					$	—					$	—					$	—					$	4					$	—					$	4
Multifamily
Pass			$	1,760					$	48,131					$	68,902					$	124,194					$	40,289					$	88,103					$	2,573					$	373,952
Special mention			$	—					$	—					$	—					$	—					$	—					$	58					$	—					$	58
Substandard or lower			$	—					$	—					$	—					$	—					$	—					$	165					$	—					$	165
Total Multifamily			$	1,760					$	48,131					$	68,902					$	124,194					$	40,289					$	88,326					$	2,573					$	374,175
Gross charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Current period recoveries			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Net charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Farmland
Pass			$	10,235					$	31,232					$	58,763					$	43,714					$	26,913					$	26,001					$	13,581					$	210,439
Special mention			$	—					$	130					$	—					$	—					$	—					$	2,239					$	194					$	2,563
Substandard or lower			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Total Farmland			$	10,235					$	31,362					$	58,763					$	43,714					$	26,913					$	28,240					$	13,775					$	213,002
Gross charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Current period recoveries			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Net charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial and industrial
Pass			$	61,938					$	140,077					$	93,136					$	63,424					$	26,521					$	99,786					$	198,482					$	683,364
Special mention			$	—					$	73					$	349					$	111					$	—					$	2,083					$	2,609					$	5,225
Substandard or lower			$	—					$	—					$	—					$	1,199					$	—					$	2,300					$	615					$	4,114
Total commercial and industrial			$	61,938					$	140,150					$	93,485					$	64,734					$	26,521					$	104,169					$	201,706					$	692,703
Gross charge offs			$	—					$	—					$	—					$	—					$	—					$	(56)					$	—					$	(56)
Current period recoveries			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Net charge offs			$	—					$	—					$	—					$	—					$	—					$	(56)					$	—					$	(56)
Residential Construction
Pass			$	13,518					$	48,702					$	22,406					$	2,147					$	266					$	—					$	18,637					$	105,676
Special mention			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Substandard or lower			—						—						—						—						—						—						—						—
Total Residential Construction			13,518						48,702						22,406						2,147						266						—						18,637						105,676
Gross charge offs			—						—						—						—						—						—						—						—
Current period recoveries			—						—						—						—						—						—						—						—
Net recoveries			—						—						—						—						—						—						—						—
Other Construction
Pass			16,732						126,782						141,267						15,126						15,240						13,480						17,852						346,479
Special mention			—						—						—						—						1,810						—						—						1,810
Substandard or lower			—						—						—						—						—						—						—						—
Total Other Construction			16,732						126,782						141,267						15,126						17,050						13,480						17,852						348,289
Gross charge offs			—						—						—						—						—						—						—						—
Current period recoveries			—						—						—						—						—						—						—						—
Net recoveries			—						—						—						—						—						—						—						—
1-4 Family 1st Lien
Performing			18,016						65,349						48,612						37,567						45,419						108,872						1,937						325,772
Non-performing			—						—						—						—						220						1,310						—						1,530
Total 1-4 Family 1st Lien			18,016						65,349						48,612						37,567						45,639						110,182						1,937						327,302
Gross charge offs			—						—						—						—						—						(7)						—						(7)
Current period recoveries			—						—						—						—						—						7						—						7
Net charge offs			—						—						—						—						—						—						—						—
1-4 Family Rental
Performing			17,981						61,319						91,335						62,865						37,115						76,677						1,885						349,177
Non-performing			—						148						—						—						1,430						799						—						2,377
Total 1-4 Family Rental			17,981						61,467						91,335						62,865						38,545						77,476						1,885						351,554
Gross charge offs			—						—						—						—						—						(2)						—						(2)
Current period recoveries			—						—						—						—						—						22						—						22
Net charge offs			—						—						—						—						—						20						—						20
HELOC and Junior Liens
Performing			2,535						17,139						10,644						5,294						2,500						9,918						85,377						133,407
Non-performing			—						24						—						—						—						1,255						—						1,279
Total HELOC and Junior Liens			2,535						17,163						10,644						5,294						2,500						11,173						85,377						134,686
Gross charge offs			—						—						(21)						—						—						—						—						(21)
Current period recoveries			—						—						—						—						—						—						—						—
Net charge offs			—						—						(21)						—						—						—						—						(21)
Consumer
Performing			1,606						1,147						524						470						160						267						2,194						6,368
Non-performing			—						—						—						—						—						—						—						—
Total consumer			1,606						1,147						524						470						160						267						2,194						6,368
Gross charge offs			—						—						(2)						—						—						(24)						—						(26)
Current period recoveries			—						—						1						—						—						16						—						17
Net charge offs			—						—						(1)						—						—						(8)						—						(9)
Total
Pass			164,511						614,544						849,656						473,807						330,590						783,875						276,932						3,493,915
Special mention			—						203						4,832						111						1,810						14,139						2,803						23,898
Substandard or lower			—						—						—						1,401						3,186						21,636						615						26,838
Performing			40,138						144,954						151,115						106,196						85,194						195,734						91,393						814,724
Nonperforming			—						172						—						—						1,650						3,364						—						5,186
Total			$	204,649					$	759,873					$	1,005,603					$	581,515					$	422,430					$	1,018,748					$	371,743					$	4,364,561

			December 31, 2023
			Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis
(In thousands)																																				2023									2022						2021						2020						2019						Prior									Total
CRE Nonowner Occupied
Pass			$	119,793					$	329,715					$	160,583					$	140,083					$	86,629					$	267,210					$	10,030					$	1,114,043
Special mention			$	—					$	—					$	—					$	—					$	6,009					$	7,926					$	—					$	13,935
Substandard or lower			$	—					$	5,209					$	—					$	3,162					$	229					$	12,975					$	—					$	21,575
Total CRE Nonowner Occupied			$	119,793					$	334,924					$	160,583					$	143,245					$	92,867					$	288,111					$	10,030					$	1,149,553
Gross charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Current period recoveries			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Net charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
CRE Owner Occupied
Pass			$	92,561					$	121,231					$	75,711					$	86,322					$	60,761					$	174,680					$	14,388					$	625,654
Special mention			$	—					$	—					$	—					$	—					$	—					$	190					$	—					$	190
Substandard or lower			$	—					$	—					$	208					$	—					$	—					$	3,852					$	—					$	4,060
Total CRE Owner Occupied			$	92,561					$	121,231					$	75,919					$	86,322					$	60,761					$	178,722					$	14,388					$	629,904
Gross charge offs			$	—					$	—					$	—					$	—					$	—					$	(16)					$	—					$	(16)
Current period recoveries			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Net charge offs			$	—					$	—					$	—					$	—					$	—					$	(16)					$	—					$	(16)
Multifamily
Pass			$	26,776					$	44,450					$	105,406					$	41,713					$	23,118					$	65,480					$	1,881					$	308,824
Special mention			$	—					$	—					$	—					$	—					$	—					$	62					$	—					$	62
Substandard or lower			$	—					$	—					$	—					$	—					$	—					$	173					$	—					$	173
Total Multifamily			$	26,776					$	44,450					$	105,406					$	41,713					$	23,118					$	65,715					$	1,881					$	309,059
Gross charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Current period recoveries			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Net charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Farmland
Pass			$	32,525					$	61,405					$	45,211					$	29,628					$	7,926					$	20,956					$	11,962					$	209,613
Special mention			$	194					$	—					$	—					$	—					$	—					$	2,304					$	186					$	2,684
Substandard or lower			$	—					$	—					$	—					$	—					$	—					$	345					$	48					$	393
Total Farmland			$	32,719					$	61,405					$	45,211					$	29,628					$	7,926					$	23,605					$	12,196					$	212,690
Gross charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Current period recoveries			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Net charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial and industrial
Pass			$	158,824					$	106,714					$	68,448					$	29,961					$	50,206					$	57,892					$	188,714					$	660,759
Special mention			$	—					$	89					$	2,224					$	—					$	227					$	2,200					$	4,391					$	9,131
Substandard or lower			$	—					$	—					$	662					$	—					$	—					$	1,978					$	2,549					$	5,189
Total commercial and industrial			$	158,824					$	106,803					$	71,334					$	29,961					$	50,433					$	62,070					$	195,654					$	675,079
Gross charge offs			$	—					$	(100)					$	—					$	(111)					$	—					$	(27)					$	—					$	(238)
Current period recoveries			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Net charge offs			$	—					$	(100)					$	—					$	(111)					$	—					$	(27)					$	—					$	(238)
Residential construction
Pass			$	43,043					$	25,159					$	6,444					$	979					$	—					$	—					$	16,645					$	92,270
Special mention			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Substandard or lower			—						573						—						—						—						—						—						573
Total Residential construction			43,043						25,732						6,444						979						—						—						16,645						92,843
Gross charge offs			—						—						—						—						—						—						—						—
Current period recoveries			—						—						—						—						—						—						—						—
Net recoveries			—						—						—						—						—						—						—						—
Other construction
Pass			110,553						156,055						48,214						21,378						10,247						5,856						6,617						358,920
Special mention			—						—						—						1,447						—						—						—						1,447
Substandard or lower			—						—						—						—						—						2,257						—						2,257
Total Other construction			110,553						156,055						48,214						22,825						10,247						8,113						6,617						362,624
Gross charge offs			—						—						—						—						—						—						—						—
Current period recoveries			—						—						—						—						—						—						—						—
Net recoveries			—						—						—						—						—						—						—						—
1-4 Family 1st Lien
Performing			77,801						51,651						41,133						48,748						9,348						106,353						2,240						337,274
Non-performing			—						—						37						218						—						1,613						—						1,868
Total 1-4 Family 1st Lien			77,801						51,651						41,170						48,966						9,348						107,966						2,240						339,142
Gross charge offs			—						—						—						—						—						(13)						—						(13)
Current period recoveries			—						—						—						—						—						8						—						8
Net recoveries			—						—						—						—						—						(5)						—						(5)
1-4 Family Rental
Performing			62,897						90,092						64,766						38,672						16,831						64,309						1,885						339,452
Non-performing			—						—						56						1,252						—						1,177						—						2,485
Total 1-4 Family Rental			62,897						90,092						64,822						39,924						16,831						65,486						1,885						341,937
Gross charge offs			—						—						—						—						—						—						—						—
Current period recoveries			—						—						—						—						—						30						—						30
Net recoveries			—						—						—						—						—						30						—						30
HELOC and Junior Liens
Performing			17,936						11,460						5,711						2,962						1,684						8,236						83,598						131,587
Non-performing			—						—						—						—						—						1,208						—						1,208
Total HELOC and Junior Liens			17,936						11,460						5,711						2,962						1,684						9,444						83,598						132,795
Gross charge offs			—						—						—						—						—						—						—						—
Current period recoveries			—						—						—						—						—						—						—						—
Net recoveries			—						—						—						—						—						—						—						—
Consumer
Performing			2,361						754						649						273						223						103						2,803						7,166
Non-performing			—						—						—						—						—						—						—						—
Total consumer			2,361						754						649						273						223						103						2,803						7,166
Gross charge offs			(86)						—						(10)						(9)						—						(30)						—						(135)
Current period recoveries			26						—						—						1						—						5						—						32
Net charge offs			(60)						—						(10)						(8)						—						(25)						—						(103)
Total
Pass			584,075						844,729						510,017						350,064						238,887						592,074						250,237						3,370,083
Special mention			194						89						2,224						1,447						6,236						12,682						4,577						27,449
Substandard or lower			—						5,782						870						3,162						229						21,580						2,597						34,220
Performing			160,995						153,957						112,259						90,655						28,086						179,001						90,526						815,479
Nonperforming			—						—						93						1,470						—						3,998						—						5,561
Total			745,264						1,004,557						625,463						446,798						273,438						809,335						347,937						4,252,792

Schedule of Loan Portfolio Summarized by the Past Due Status

The performance and credit quality of the loan portfolio is also monitored by analyzing the age of the loans receivable as determined by the length of time a recorded payment is past due. The classes of the loan portfolio summarized by the past due status as of June 30, 2024 and December 31, 2023, are summarized as follows:

(In thousands)			30-59 Days Past Due						60-89 Days Past Due						Greater than 90 Days						Total Past Due						Current						Total Loans						Loans Receivable > 90 Days and Accruing
June 30, 2024
Commercial real estate
CRE Nonowner Occupied			$	7,850					$	—					$	2,074					$	9,924					$	1,177,126					$	1,187,050					$	—
CRE Owner Occupied			693						—						955						1,648						622,108						623,756						—
Multifamily			—						—						—						—						374,175						374,175						—
Farmland			505						—						—						505						212,497						213,002						—
Total Commercial real estate			9,048						—						3,029						12,077						2,385,906						2,397,983						—
Commercial and industrial			493						414						1,548						2,455						690,248						692,703						—
Construction
Residential Construction			—						—						—						—						105,676						105,676						—
Other Construction			—						—						—						—						348,289						348,289						—
Total Construction			—						—						—						—						453,965						453,965						—
Residential mortgage
1-4 Family 1st Lien			5,258						41						762						6,061						321,241						327,302						—
1-4 Family Rental			69						—						301						370						351,184						351,554						—
HELOC and Junior Liens			1,424						1,077						1,157						3,658						131,028						134,686						—
Total Residential Mortgage			6,751						1,118						2,220						10,089						803,453						813,542						—
Consumer			42						—						—						42						6,326						6,368						—
Total			$	16,334					$	1,532					$	6,797					$	24,663					$	4,339,898					$	4,364,561					$	—

(In thousands)			30-59 Days Past Due						60-89 Days Past Due						Greater than 90 Days						Total Past Due						Current						Total Loans						Loans Receivable > 90 Days and Accruing
December 31, 2023
Commercial real estate
CRE Nonowner Occupied			$	3,339					$	682					$	2,115					$	6,136					$	1,143,417					$	1,149,553					$	—
CRE Owner Occupied			1,734						—						859						2,593						627,311						629,904						—
Multifamily			—						—						—						—						309,059						309,059						—
Farmland			—						—						—						—						212,690						212,690						—
Total Commercial real estate			5,073						682						2,974						8,729						2,292,477						2,301,206						—
Commercial and industrial			638						24						1,270						1,932						673,147						675,079						—
Construction
Residential Construction			—						270						303						573						92,270						92,843						—
Other Construction			—						—						2,256						2,256						360,368						362,624						—
Total Construction			—						270						2,559						2,829						452,638						455,467						—
Residential mortgage
1-4 Family 1st Lien			1,554						217						847						2,618						336,524						339,142						—
1-4 Family Rental			2,520						—						644						3,164						338,773						341,937						—
HELOC and Junior Liens			574						50						1,027						1,651						131,144						132,795						—
Total Residential Mortgage			4,648						267						2,518						7,433						806,441						813,874						—
Consumer			41						31						—						72						7,094						7,166						—
Total			$	10,400					$	1,274					$	9,321					$	20,995					$	4,231,797					$	4,252,792					$	—

Schedule of Non-accrual Loans by Classes of the Loan Portfolio Including Loans Acquired with Credit Deterioration

Nonaccrual loans by loan portfolio class, including loans acquired with credit deterioration, as of June 30, 2024 and December 31, 2023 are summarized as follows:

						June 30, 2024																		December 31, 2023
(In thousands)						With a Related Allowance						Without a Related Allowance						Total						With a Related Allowance						Without a Related Allowance						Total
Commercial real estate
CRE Nonowner Occupied						354						2,221						2,575						361						4,144						4,505
CRE Owner Occupied						—						1,642						1,642						—						1,909						1,909
Multifamily						88						77						165						93						80						173
Total Commercial real estate						442						3,940						4,382						454						6,133						6,587
Commercial and industrial						1,104						1,355						2,459						1,222						64						1,286
Construction
Residential Construction						—						—						—						—						303						303
Other Construction						—						—						—						—						2,256						2,256
Total Construction						—						—						—						—						2,559						2,559
Residential mortgage
1-4 Family 1st Lien						—						1,530						1,530						—						1,875						1,875
1-4 Family Rental						—						348						348						2						699						701
HELOC and Junior Liens						—						1,280						1,280						—						1,208						1,208
Total Residential Mortgage						$	—		$	—		$	3,158					$	3,158					$	2					$	3,782					$	3,784
Consumer						—						—						—						—						—						—
Total loans						$	1,546					$	8,453					$	9,999					$	1,678					$	12,538					$	14,216

Schedule of Allowance and Recorded Investment in Financing Receivables

The following tables present the activity in the ACL - loans by portfolio segment for the three and six months ended June 30, 2024 and the three and six months ended June 30, 2023:

(In thousands)						Balance at March 31, 2024						Charge offs						Recoveries						Net loans (charged off) recovered						(Benefit)/Provision for credit losses						Three Months Ended June 30, 2024
Commercial Real Estate
CRE Nonowner Occupied						10,417						—						—						—						230						10,647
CRE Owner Occupied						5,602						—						4						4						224						5,830
Multifamily						2,370						—						—						—						839						3,209
Farmland						2,002						—						—						—						57						2,059
Commercial and industrial						6,500						(56)						—						(56)						490						6,934
Construction
Residential Construction						1,176						—						—						—						(47)						1,129
Other Construction						2,171						—						—						—						(158)						2,013
Residential Mortgage
1-4 Family 1st Lien						1,271						—						7						7						71						1,349
1-4 Family Rental						1,539						(2)						22						20						145						1,704
HELOC and Junior Liens						457						—						—						—						(60)						397
Consumer						19						(4)						11						7						(9)						17
Total						33,524						(62)						44						(18)						1,782						35,288

(In thousands)						Balance at December 31, 2023						Charge offs						Recoveries						Net loans (charged off) recovered						(Benefit)/Provision for credit losses						Six Months Ended June 30, 2024
Commercial Real Estate
CRE Nonowner Occupied						10,267						—						—						—						380						10,647
CRE Owner Occupied						5,646						—						4						4						180						5,830
Multifamily						2,202						—						—						—						1,007						3,209
Farmland						2,064						—						—						—						(5)						2,059
Commercial and industrial						7,131						(56)						—						(56)						(141)						6,934
Construction
Residential Construction						1,256						—						—						—						(127)						1,129
Other Construction						2,146						—						—						—						(133)						2,013
Residential Mortgage
1-4 Family 1st Lien						1,207						(7)						7						—						142						1,349
1-4 Family Rental						1,859						(2)						22						20						(175)						1,704
HELOC and Junior Liens						389						(21)						—						(21)						29						397
Consumer						20						(26)						17						(9)						6						17
Total						34,187						(112)						50						(62)						1,163						35,288

(In thousands)						Balance at March 31, 2023												PCD Loans						Charge offs						Recoveries						Net loans (charged off) recovered						Provision/(Benefit) for credit losses						Three Months Ended June 30, 2023
Commercial Real Estate
CRE Nonowner Occupied						$	8,175											$	312					$	—					$	—					$	—					$	(615)					$	7,872
CRE Owner Occupied						3,079												2						—						—						—						1,060						4,141
Multifamily						1,159																		—						—						—						85						1,244
Farmland						899																		—						—						—						41						940
Commercial and industrial						11,269												5						(109)						—						(109)						238						11,403
Construction
Residential Construction						1,423												12						—						—						—						294						1,729
Other Construction						2,208												1						—						—						—						(271)						1,938
Residential Mortgage
1-4 Family 1st Lien						1,356												4						—						—						—						268						1,628
1-4 Family Rental						1,066												—						—						—						—						(19)						1,047
HELOC and Junior Liens						452												—						—						—						—						18						470
Consumer						179												—						(65)						4						(61)						58						176
Unallocated						—												—						—						—						—						—						—
Total						$	31,265											$	336					$	(174)					$	4					$	(170)					$	1,157					$	32,588

(In thousands)						Balance at December 31, 2022						CECL Impact						PCD Loans						Charge offs						Recoveries						Net loans (charged off) recovered						Provision/(Benefit) for credit losses						Six Months Ended June 30, 2023
Commercial Real Estate
CRE Nonowner Occupied						$	8,284					$	259					$	312					$	—					$	—					$	—					$	(983)					$	7,872
CRE Owner Occupied						2,916						91						2						(16)						—						(16)						1,148						4,141
Multifamily						1,111						35												—						—						—						98						1,244
Farmland						831						26												—						—						—						83						940
Commercial and industrial						4,593						6,601						5						(220)						—						(220)						424						11,403
Construction
Residential Construction						—						1,270						12						—						—						—						447						1,729
Other Construction						—						1,931						1						—						—						—						6						1,938
Residential Mortgage
1-4 Family 1st Lien						370						1,307						4						(4)						—						(4)						(49)						1,628
1-4 Family Rental						288						731												—						30						30						(2)						1,047
HELOC and Junior Liens						661						(230)												—						—						—						39						470
Consumer						29						154												(84)						11						(73)						66						176
Unallocated						(126)						(244)												—						—						—						370						—
Total						$	18,957					$	11,931					$	336					$	(324)					$	41					$	(283)					$	1,647					$	32,588

The following table presents the ACL for loans and the amortized cost basis of the loans by the measurement methodology used as of June 30, 2024 and December 31, 2023:

(In thousands)			ACL - Loans																		Loans
June 30, 2024			Collectively Evaluated for Credit Loss						Individually Evaluated for Credit Loss						Total ACL - Loans						Collectively Evaluated for Credit Loss						Individually Evaluated for Credit Loss						Total Loans
Commercial real estate
CRE Nonowner Occupied			$	10,293					$	354					$	10,647					$	1,184,475					$	2,575					$	1,187,050
CRE Owner Occupied			5,830						—						5,830						622,114						1,642						623,756
Multifamily			3,202						7						3,209						374,010						165						374,175
Farmland			2,059						—						2,059						213,002						—						213,002
Commercial and industrial			6,258						676						6,934						690,244						2,459						692,703
Construction
Residential Construction			1,129						—						1,129						105,676						—						105,676
Other Construction			2,013						—						2,013						348,289						—						348,289
Residential mortgage
1-4 Family 1st Lien			1,349						—						1,349						325,772						1,530						327,302
1-4 Family Rental			1,704						—						1,704						351,206						348						351,554
HELOC and Junior Liens			397						—						397						133,406						1,280						134,686
Consumer			17						—						17						6,368						—						6,368
Total			$	34,251					$	1,037					$	35,288					$	4,354,562					$	9,999					$	4,364,561

(In thousands)			ACL - Loans																		Loans
December 31, 2023			Collectively Evaluated for Credit Loss						Individually Evaluated for Credit Loss						Total ACL - Loans						Collectively Evaluated for Credit Loss						Individually Evaluated for Credit Loss						Total Loans
Commercial real estate
CRE Nonowner Occupied			$	9,906					$	361					$	10,267					$	1,145,048					$	4,505					$	1,149,553
CRE Owner Occupied			5,646						—						5,646						627,995						1,909						629,904
Multifamily			2,190						12						2,202						308,886						173						309,059
Farmland			2,064						—						2,064						212,690						—						212,690
Commercial and industrial			6,419						712						7,131						673,793						1,286						675,079
Construction
Residential Construction			1,256						—						1,256						92,270						573						92,843
Other Construction			2,146						—						2,146						360,368						2,256						362,624
Residential mortgage
1-4 Family 1st Lien			1,207						—						1,207						337,267						1,875						339,142
1-4 Family Rental			1,857						2						1,859						341,236						701						341,937
HELOC and Junior Liens			389						—						389						131,587						1,208						132,795
Consumer			20						—						20						7,166						—						7,166
Total			$	33,100					$	1,087					$	34,187					$	4,238,306					$	14,486					$	4,252,792

Schedule of Troubled Debt Restructurings

Information related to loans modified (by type of modification), whereby the borrower was experiencing financial difficulty at the time of modification, is set forth in the following table:

(In thousands)			Interest Only						Term Extension						Combination: Interest Only and Term Extension						Total						% of Total Class of Financing Receivable
Six months ended June 30, 2024
Residential mortgage
HELOC and Junior Liens			—						—						92						92						0.07		%
Total Residential Mortgage			—			—			—			0			92						92						0.01		%
Total			$	—					$	—					$	92					$	92

(In thousands)			Interest Only						Term Extension						Combination: Interest Only and Term Extension						Total						% of Total Class of Financing Receivable
Three months ended June 30, 2023
Commercial and industrial			$	—					$	150					$	—					$	150					0.02		%
Total			$	—					$	150					$	—					$	150
(In thousands)			Interest Only						Term Extension						Combination: Interest Only and Term Extension						Total						% of Total Class of Financing Receivable
Six months ended June 30, 2023
Commercial real estate
CRE Owner Occupied			$	51					$	—					$	180					$	231					0.04		%
Total Commercial real estate			$	51					$	—					$	180					$	231					0.02		%
Commercial and industrial			$	—					$	150					$	—					$	150					0.02		%
Total loans			$	51					$	150					$	180					$	381

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