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Loans and Allowance for Credit Losses - Loans (Tables)

9 Months Ended

Sep. 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)			September 30, 2024						December 31, 2023
Commercial real estate
CRE Nonowner Occupied			$	1,205,058					$	1,149,553
CRE Owner Occupied			627,831						629,904
Multifamily			415,467						309,059
Farmland			220,939						212,690
Total Commercial real estate			2,469,295						2,301,206
Commercial and industrial			713,429						675,079
Construction
Residential Construction			96,000						92,843
Other Construction			340,037						362,624
Total Construction			436,037						455,467
Residential mortgage
1-4 Family 1st Lien			318,646						339,142
1-4 Family Rental			348,803						341,937
HELOC and Junior Liens			138,756						132,795
Total Residential Mortgage			806,205						813,874
Consumer			6,738						7,166
Total loans			$	4,431,704					$	4,252,792

			September 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			$	65,245					$	128,241					$	348,380					$	154,184					$	135,683					$	330,778					$	10,125					$	1,172,636
Special mention			$	—					$	1,517					$	1,260					$	—					$	—					$	9,227					$	—					$	12,004
Substandard or lower			$	—					$	—					$	—					$	—					$	3,238					$	17,180					$	—					$	20,418
Total CRE Nonowner Occupied			$	65,245					$	129,758					$	349,640					$	154,184					$	138,921					$	357,185					$	10,125					$	1,205,058
Gross charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Current period recoveries			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Net charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
CRE Owner Occupied
Pass			$	32,163					$	100,464					$	112,097					$	67,431					$	82,067					$	210,599					$	12,958					$	617,779
Special mention			$	—					$	220					$	5,069					$	179					$	—					$	1,740					$	—					$	7,208
Substandard or lower			$	—					$	—					$	—					$	198					$	—					$	2,646					$	—					$	2,844
Total CRE Owner Occupied			$	32,163					$	100,684					$	117,166					$	67,808					$	82,067					$	214,985					$	12,958					$	627,831
Gross charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Current period recoveries			$	—					$	—					$	—					$	—					$	—					$	4					$	—					$	4
Net recoveries			$	—					$	—					$	—					$	—					$	—					$	4					$	—					$	4
Multifamily
Pass			$	2,689					$	48,356					$	116,566					$	123,668					$	40,988					$	80,132					$	2,854					$	415,253
Special mention			$	—					$	—					$	—					$	—					$	—					$	56					$	—					$	56
Substandard or lower			$	—					$	—					$	—					$	—					$	—					$	158					$	—					$	158
Total Multifamily			$	2,689					$	48,356					$	116,566					$	123,668					$	40,988					$	80,346					$	2,854					$	415,467
Gross charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Current period recoveries			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Net charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Farmland
Pass			$	20,269					$	31,606					$	56,933					$	43,239					$	26,510					$	25,428					$	14,435					$	218,420
Special mention			$	—					$	129					$	—					$	—					$	—					$	2,197					$	193					$	2,519
Substandard or lower			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Total Farmland			$	20,269					$	31,735					$	56,933					$	43,239					$	26,510					$	27,625					$	14,628					$	220,939
Gross charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Current period recoveries			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Net charge offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial and industrial
Pass			$	80,578					$	131,799					$	87,408					$	59,214					$	24,454					$	96,114					$	221,231					$	700,798
Special mention			$	—					$	68					$	505					$	31					$	—					$	4,031					$	4,498					$	9,133
Substandard or lower			$	—					$	—					$	—					$	1,017					$	—					$	1,835					$	646					$	3,498
Total commercial and industrial			$	80,578					$	131,867					$	87,913					$	60,262					$	24,454					$	101,980					$	226,375					$	713,429
Gross charge offs			$	—					$	—					$	—					$	—					$	—					$	(412)					$	—					$	(412)
Current period recoveries			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Net charge offs			$	—					$	—					$	—					$	—					$	—					$	(412)					$	—					$	(412)
Residential Construction
Pass			$	23,937					$	40,748					$	17,162					$	728					$	—					$	2,006					$	11,235					$	95,816
Special mention			$	—					$	—					$	—					$	—					$	184					$	—					$	—					$	184

Substandard or lower			—						—						—						—						—						—						—						—
Total Residential Construction			23,937						40,748						17,162						728						184						2,006						11,235						96,000
Gross charge offs			—						—						—						—						—						—						—						—
Current period recoveries			—						—						—						—						—						—						—						—
Net recoveries			—						—						—						—						—						—						—						—
Other Construction
Pass			34,856						142,413						100,095						13,163						13,755						13,325						21,962						339,569
Special mention			—						—						—						—						468						—						—						468
Substandard or lower			—						—						—						—						—						—						—						—
Total Other Construction			34,856						142,413						100,095						13,163						14,223						13,325						21,962						340,037
Gross charge offs			—						—						—						—						—						—						—						—
Current period recoveries			—						—						—						—						—						—						—						—
Net recoveries			—						—						—						—						—						—						—						—
1-4 Family 1st Lien
Performing			23,657						61,907						47,589						35,294						43,586						102,943						2,355						317,331
Non-performing			—						—						—						—						215						1,100						—						1,315
Total 1-4 Family 1st Lien			23,657						61,907						47,589						35,294						43,801						104,043						2,355						318,646
Gross charge offs			—						—						—						—						—						(7)						—						(7)
Current period recoveries			—						—						—						—						—						9						—						9
Net recoveries			—						—						—						—						—						2						—						2
1-4 Family Rental
Performing			23,563						60,438						89,962						61,131						36,022						73,484						2,055						346,655
Non-performing			—						148						—						—						1,426						574						—						2,148
Total 1-4 Family Rental			23,563						60,586						89,962						61,131						37,448						74,058						2,055						348,803
Gross charge offs			—						—						—						—						—						(2)						—						(2)
Current period recoveries			—						—						—						—						—						22						—						22
Net recoveries			—						—						—						—						—						20						—						20
HELOC and Junior Liens
Performing			4,618						16,783						10,274						5,006						2,297						10,854						86,638						136,470
Non-performing			—						24						—						—						—						1,261						1,001						2,286
Total HELOC and Junior Liens			4,618						16,807						10,274						5,006						2,297						12,115						87,639						138,756
Gross charge offs			—						—						(21)						—						—						—						—						(21)
Current period recoveries			—						—						—						—						—						—						—						—
Net charge offs			—						—						(21)						—						—						—						—						(21)
Consumer
Performing			1,884						1,075						407						426						141						251						2,554						6,738
Non-performing			—						—						—						—						—						—						—						—
Total consumer			1,884						1,075						407						426						141						251						2,554						6,738
Gross charge offs			—						—						(2)						—						—						(32)						—						(34)
Current period recoveries			—						—						1						—						—						31						—						32
Net charge offs			—						—						(1)						—						—						(1)						—						(2)
Total
Pass			259,737						623,627						838,641						461,627						323,457						758,382						294,800						3,560,271
Special mention			—						1,934						6,834						210						652						17,251						4,691						31,572
Substandard or lower			—						—						—						1,215						3,238						21,819						646						26,918
Performing			53,722						140,203						148,232						101,857						82,046						187,532						93,602						807,194
Nonperforming			—						172						—						—						1,641						2,935						1,001						5,749
Total			$	313,459					$	765,936					$	993,707					$	564,909					$	411,034					$	987,919					$	394,740					$	4,431,704

			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 September 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
September 30, 2024
Commercial real estate
CRE Nonowner Occupied			$	1,871					$	1,868					$	10,303					$	14,042					$	1,191,016					$	1,205,058					$	—
CRE Owner Occupied			—						307						457						764						627,067						627,831						—
Multifamily			—						—						—						—						415,467						415,467						—
Farmland			—						—						—						—						220,939						220,939						—
Total Commercial real estate			1,871						2,175						10,760						14,806						2,454,489						2,469,295						—
Commercial and industrial			269						374						917						1,560						711,869						713,429						1
Construction
Residential Construction			184						—						—						184						95,816						96,000						—
Other Construction			—						—						—						—						340,037						340,037						—
Total Construction			184						—						—						184						435,853						436,037						—
Residential mortgage
1-4 Family 1st Lien			3,649						4						726						4,379						314,267						318,646						—
1-4 Family Rental			73						1,307						137						1,517						347,286						348,803						—
HELOC and Junior Liens			2,055						371						2,191						4,617						134,139						138,756						—
Total Residential Mortgage			5,777						1,682						3,054						10,513						795,692						806,205						—
Consumer			117						—						—						117						6,621						6,738						—
Total			$	8,218					$	4,231					$	14,731					$	27,180					$	4,404,524					$	4,431,704					$	1

(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 September 30, 2024 and December 31, 2023 are summarized as follows:

						September 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						505						9,943						10,448						361						4,144						4,505
CRE Owner Occupied						—						1,099						1,099						—						1,909						1,909
Multifamily						—						158						158						93						80						173
Total Commercial real estate						505						11,200						11,705						454						6,133						6,587
Commercial and industrial						762						1,132						1,894						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						—						1,315						1,315						—						1,875						1,875
1-4 Family Rental						—						180						180						2						699						701
HELOC and Junior Liens						—						2,286						2,286						—						1,208						1,208
Total Residential Mortgage						$	—					$	3,781					$	3,781					$	2					$	3,782					$	3,784
Consumer						—						—						—						—						—						—
Total loans						$	1,267					$	16,113					$	17,380					$	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 nine months ended September 30, 2024 and the three and nine months ended September 30, 2023:

(In thousands)						Balance at June 30, 2024						Charge offs						Recoveries						Net loans (charged off) recovered						(Benefit)/Provision for credit losses						Three Months Ended September 30, 2024
Commercial Real Estate
CRE Nonowner Occupied						10,647						—						—						—						387						11,034
CRE Owner Occupied						5,830						—						—						—						(607)						5,223
Multifamily						3,209						—						—						—						349						3,558
Farmland						2,059						—						—						—						(294)						1,765
Commercial and industrial						6,934						(356)						—						(356)						253						6,831
Construction
Residential Construction						1,129						—						—						—						(102)						1,027
Other Construction						2,013						—						—						—						426						2,439
Residential Mortgage
1-4 Family 1st Lien						1,349						—						2						2						156						1,507
1-4 Family Rental						1,704						—						—						—						68						1,772
HELOC and Junior Liens						397						—						—						—						(9)						388
Consumer						17						(8)						15						7						(6)						18
Total						35,288						(364)						17						(347)						621						35,562

(In thousands)						Balance at December 31, 2023						Charge offs						Recoveries						Net loans (charged off) recovered						(Benefit)/Provision for credit losses						Nine Months Ended September 30, 2024
Commercial Real Estate
CRE Nonowner Occupied						10,267						—						—						—						767						11,034
CRE Owner Occupied						5,646						—						4						4						(427)						5,223
Multifamily						2,202						—						—						—						1,356						3,558
Farmland						2,064						—						—						—						(299)						1,765
Commercial and industrial						7,131						(412)						—						(412)						112						6,831
Construction
Residential Construction						1,256						—						—						—						(229)						1,027
Other Construction						2,146						—						—						—						293						2,439
Residential Mortgage
1-4 Family 1st Lien						1,207						(7)						9						2						298						1,507
1-4 Family Rental						1,859						(2)						22						20						(107)						1,772
HELOC and Junior Liens						389						(21)						—						(21)						20						388
Consumer						20						(34)						32						(2)						—						18
Total						34,187						(476)						67						(409)						1,784						35,562

(In thousands)						Balance at June 30, 2023																		Charge offs						Recoveries						Net loans (charged off) recovered						Provision/(Benefit) for credit losses						Three Months Ended September 30, 2023
Commercial Real Estate
CRE Nonowner Occupied						$	7,872																	$	—					$	—					$	—					$	2,283					$	10,155
CRE Owner Occupied						4,141																		—						—						—						513						4,654
Multifamily						1,244																		—						—						—						989						2,233
Farmland						940																		—						—						—						697						1,637
Commercial and industrial						11,403																		—						—						—						(4,072)						7,331
Construction
Residential Construction						1,729																		—						—						—						(1)						1,728
Other Construction						1,938																		—						—						—						2,212						4,150
Residential Mortgage
1-4 Family 1st Lien						1,628																		—						7						7						(762)						873
1-4 Family Rental						1,047																		—						—						—						(188)						859
HELOC and Junior Liens						470																		—						—						—						(107)						363
Consumer						176																		(33)						15						(18)						(137)						21
Unallocated						—																		—						—						—						—						—
Total						$	32,588																	$	(33)					$	22					$	(11)					$	1,427					$	34,004

(In thousands)						Balance at December 31, 2022						CECL Impact						PCD Loans						Charge offs						Recoveries						Net loans (charged off) recovered						Provision/(Benefit) for credit losses						Nine Months Ended September 30, 2023
Commercial Real Estate
CRE Nonowner Occupied						$	8,284					$	259					$	312					$	—					$	—					$	—					$	1,300					$	10,155
CRE Owner Occupied						2,916						91						2						(16)						—						(16)						1,661						4,654
Multifamily						1,111						35												—						—						—						1,087						2,233
Farmland						831						26												—						—						—						780						1,637
Commercial and industrial						4,593						6,601						5						(220)						—						(220)						(3,648)						7,331
Construction
Residential Construction						—						1,270						12						—						—						—						446						1,728
Other Construction						—						1,931						1						—						—						—						2,218						4,150
Residential Mortgage
1-4 Family 1st Lien						370						1,307						4						(4)						7						3						(811)						873
1-4 Family Rental						288						731												—						30						30						(190)						859
HELOC and Junior Liens						661						(230)												—						—						—						(68)						363
Consumer						29						154												(117)						26						(91)						(71)						21
Unallocated						(126)						(244)												—						—						—						370						—
Total						$	18,957					$	11,931					$	336					$	(357)					$	63					$	(294)					$	3,074					$	34,004

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

(In thousands)			ACL - Loans																		Loans
September 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			$	10,918					$	116					$	11,034					$	1,194,610					$	10,448					$	1,205,058
CRE Owner Occupied			5,223						—						5,223						626,732						1,099						627,831
Multifamily			3,558						—						3,558						415,309						158						415,467
Farmland			1,765						—						1,765						220,939						—						220,939
Commercial and industrial			6,490						341						6,831						711,535						1,894						713,429
Construction
Residential Construction			1,027						—						1,027						96,000						—						96,000
Other Construction			2,439						—						2,439						340,037						—						340,037
Residential mortgage
1-4 Family 1st Lien			1,507						—						1,507						317,331						1,315						318,646
1-4 Family Rental			1,772						—						1,772						348,623						180						348,803
HELOC and Junior Liens			388						—						388						136,470						2,286						138,756
Consumer			18						—						18						6,738						—						6,738
Total			$	35,105					$	457					$	35,562					$	4,414,324					$	17,380					$	4,431,704

(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
Three months ended September 30, 2024
Commercial and industrial			—						—						287						287						0.04		%
Total			$	—					$	—					$	287					$	287

(In thousands)			Interest Only						Term Extension						Combination: Interest Only and Term Extension						Total						% of Total Class of Financing Receivable
Nine months ended September 30, 2024
Commercial and industrial						—												—												287						287						0.04		%
HELOC and Junior Liens			—						—						92						92						0.07		%
Total Residential Mortgage			—						—						92						92						0.01		%
Consumer			—						—						—						—						—		%
Total			$	—					$	—					$	379					$	379

(In thousands)			Interest Only						Term Extension						Combination: Interest Only and Term Extension						Total						% of Total Class of Financing Receivable
Three months ended September 30, 2023
Commercial and industrial			—						150						—						150						—
Total			—						150						—						150

(In thousands)			Interest Only						Term Extension						Combination: Interest Only and Term Extension						Total						% of Total Class of Financing Receivable
Nine months ended September 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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