XML 34 R23.htm IDEA: XBRL DOCUMENT
v3.21.2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2021
Receivables [Abstract] |
Summary of Loan Portfolio, Excluding Residential Loans Held for Sale, Broken Out by Classes | The following table presents the loan portfolio by segment and class, excluding residential mortgage LHFS, at September 30, 2021 and December 31, 2020:
| September 30, 2021 |  | December 31, 2020
Commercial real estate: |  |  |
Owner occupied | $ | 196,585 |  |  | $ | 174,908 |
Non-owner occupied | 509,703 |  |  | 409,567 |
Multi-family | 112,002 |  |  | 113,635 |
Non-owner occupied residential | 100,088 |  |  | 114,505 |
Acquisition and development: |  |  |
1-4 family residential construction | 12,246 |  |  | 9,486 |
Commercial and land development | 71,784 |  |  | 51,826 |
Commercial and industrial (1) | 540,205 |  |  | 647,368 |
Municipal | 13,631 |  |  | 20,523 |
Residential mortgage: |  |  |
First lien | 203,360 |  |  | 244,321 |
Home equity - term | 7,079 |  |  | 10,169 |
Home equity - lines of credit | 154,004 |  |  | 157,021 |
Installment and other loans | 19,077 |  |  | 26,361 |
Total loans | $ | 1,939,764 |  |  | $ | 1,979,690 |
(1) This balance includes $259.9 million and $403.3 million of SBA PPP loans, net of deferred fees and costs, at September 30, 2021 and December 31, 2020, respectively.
Loan Portfolio Ratings Based on Internal Risk Rating System | The following table summarizes the Company’s loan portfolio ratings based on its internal risk rating system at September 30, 2021 and December 31, 2020:
| Pass |  | Special Mention |  | Non-Impaired Substandard |  | Impaired - Substandard |  | Doubtful |  | PCI Loans |  | Total
September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied | $ | 176,029 |  |  | $ | 8,219 |  |  | $ | 6,147 |  |  | $ | 3,832 |  |  | $ | — |  |  | $ | 2,358 |  |  | $ | 196,585 |
Non-owner occupied | 476,947 |  |  | 32,272 |  |  | 168 |  |  | — |  |  | — |  |  | 316 |  |  | 509,703 |
Multi-family | 91,726 |  |  | 19,662 |  |  | 614 |  |  | — |  |  | — |  |  | — |  |  | 112,002 |
Non-owner occupied residential | 95,338 |  |  | 2,028 |  |  | 1,344 |  |  | 171 |  |  | — |  |  | 1,207 |  |  | 100,088 |
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 12,246 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12,246 |
Commercial and land development | 70,648 |  |  | 636 |  |  | 500 |  |  | — |  |  | — |  |  | — |  |  | 71,784 |
Commercial and industrial | 521,530 |  |  | 7,939 |  |  | 5,505 |  |  | 2,941 |  |  | — |  |  | 2,290 |  |  | 540,205 |
Municipal | 13,631 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 13,631 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 195,717 |  |  | — |  |  | 240 |  |  | 2,472 |  |  | — |  |  | 4,931 |  |  | 203,360 |
Home equity - term | 7,056 |  |  | — |  |  | — |  |  | 7 |  |  | — |  |  | 16 |  |  | 7,079 |
Home equity - lines of credit | 153,436 |  |  | 21 |  |  | 52 |  |  | 495 |  |  | — |  |  | — |  |  | 154,004 |
Installment and other loans | 19,002 |  |  | — |  |  | — |  |  | 37 |  |  | — |  |  | 38 |  |  | 19,077 |
| $ | 1,833,306 |  |  | $ | 70,777 |  |  | $ | 14,570 |  |  | $ | 9,955 |  |  | $ | — |  |  | $ | 11,156 |  |  | $ | 1,939,764 |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied | $ | 148,846 |  |  | $ | 12,491 |  |  | $ | 7,855 |  |  | $ | 3,260 |  |  | $ | — |  |  | $ | 2,456 |  |  | $ | 174,908 |
Non-owner occupied | 351,860 |  |  | 57,378 |  |  | — |  |  | — |  |  | — |  |  | 329 |  |  | 409,567 |
Multi-family | 92,769 |  |  | 20,224 |  |  | 642 |  |  | — |  |  | — |  |  | — |  |  | 113,635 |
Non-owner occupied residential | 107,557 |  |  | 3,948 |  |  | 1,422 |  |  | 268 |  |  | — |  |  | 1,310 |  |  | 114,505 |
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 9,101 |  |  | 385 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,486 |
Commercial and land development | 49,832 |  |  | 655 |  |  | 525 |  |  | 814 |  |  | — |  |  | — |  |  | 51,826 |
Commercial and industrial | 617,213 |  |  | 17,561 |  |  | 6,118 |  |  | 3,639 |  |  | — |  |  | 2,837 |  |  | 647,368 |
Municipal | 20,523 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 20,523 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 236,381 |  |  | — |  |  | — |  |  | 2,628 |  |  | — |  |  | 5,312 |  |  | 244,321 |
Home equity - term | 10,076 |  |  | — |  |  | 64 |  |  | 10 |  |  | — |  |  | 19 |  |  | 10,169 |
Home equity - lines of credit | 156,264 |  |  | 95 |  |  | 54 |  |  | 608 |  |  | — |  |  | — |  |  | 157,021 |
Installment and other loans | 26,283 |  |  | — |  |  | — |  |  | 17 |  |  | — |  |  | 61 |  |  | 26,361 |
| $ | 1,826,705 |  |  | $ | 112,737 |  |  | $ | 16,680 |  |  | $ | 11,244 |  |  | $ | — |  |  | $ | 12,324 |  |  | $ | 1,979,690 |
Impaired Loans by Segment and Class | The following table, which excludes accruing PCI loans, summarizes impaired loans by segment and class, segregated by those for which a specific allowance was required and those for which a specific allowance was not required at September 30, 2021 and December 31, 2020. The recorded investment in loans excludes accrued interest receivable due to insignificance. Related allowances established generally pertain to those loans in which loan forbearance agreements were in the process of being negotiated or updated appraisals were pending, and any partial charge-off will be recorded when final information is received.
| Impaired Loans with a Specific Allowance |  | Impaired Loans with No Specific Allowance
| Recorded Investment (Book Balance) |  | Unpaid Principal Balance (Legal Balance) |  | Related Allowance |  | Recorded Investment (Book Balance) |  | Unpaid Principal Balance (Legal Balance)
September 30, 2021 |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |
Owner-occupied | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3,832 |  |  | $ | 4,923 |
Non-owner occupied residential | — |  |  | — |  |  | — |  |  | 171 |  |  | 383 |
Commercial and industrial | — |  |  | — |  |  | — |  |  | 2,941 |  |  | 3,592 |
Residential mortgage: |  |  |  |  |  |  |  |  |
First lien | 469 |  |  | 469 |  |  | 29 |  |  | 2,003 |  |  | 3,161 |
Home equity—term | — |  |  | — |  |  | — |  |  | 7 |  |  | 10 |
Home equity—lines of credit | — |  |  | — |  |  | — |  |  | 495 |  |  | 733 |
Installment and other loans | — |  |  | — |  |  | — |  |  | 37 |  |  | 37 |
| $ | 469 |  |  | $ | 469 |  |  | $ | 29 |  |  | $ | 9,486 |  |  | $ | 12,839 |
December 31, 2020 |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |
Owner-occupied | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3,260 |  |  | $ | 4,091 |
Non-owner occupied residential | — |  |  | — |  |  | — |  |  | 268 |  |  | 393 |
Acquisition and development: |  |  |  |  |  |  |  |  |
Commercial and land development | — |  |  | — |  |  | — |  |  | 814 |  |  | 875 |
Commercial and industrial | — |  |  | — |  |  | — |  |  | 3,639 |  |  | 4,269 |
Residential mortgage: |  |  |  |  |  |  |  |  |
First lien | 424 |  |  | 508 |  |  | 33 |  |  | 2,204 |  |  | 3,264 |
Home equity—term | — |  |  | — |  |  | — |  |  | 10 |  |  | 13 |
Home equity—lines of credit | — |  |  | — |  |  | — |  |  | 608 |  |  | 832 |
Installment and other loans | — |  |  | — |  |  | — |  |  | 17 |  |  | 18 |
| $ | 424 |  |  | $ | 508 |  |  | $ | 33 |  |  | $ | 10,820 |  |  | $ | 13,755 |
Average Recorded Investment in Impaired Loans and Related Interest Income | The following table, which excludes accruing PCI loans, summarizes the average recorded investment in impaired loans and related recognized interest income for the three and nine months ended September 30, 2021 and 2020:
| 2021 |  | 2020
| Average Impaired Balance |  | Interest Income Recognized |  | Average Impaired Balance |  | Interest Income Recognized
Three Months Ended September 30, |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |
Owner-occupied | $ | 4,179 |  |  | $ | — |  |  | $ | 4,424 |  |  | $ | — |
Non-owner occupied | — |  |  | — |  |  | 102 |  |  | — |
Multi-family | — |  |  | — |  |  | 141 |  |  | — |
Non-owner occupied residential | 232 |  |  | — |  |  | 433 |  |  | — |
Acquisition and development: |  |  |  |  |  |  |
Commercial and land development | — |  |  | — |  |  | 837 |  |  | — |
Commercial and industrial | 3,073 |  |  | — |  |  | 1,044 |  |  | — |
Residential mortgage: |  |  |  |  |  |  |
First lien | 2,541 |  |  | 11 |  |  | 3,209 |  |  | 12 |
Home equity – term | 10 |  |  | — |  |  | 12 |  |  | — |
Home equity - lines of credit | 463 |  |  | — |  |  | 645 |  |  | — |
Installment and other loans | 24 |  |  | — |  |  | 17 |  |  | — |
| $ | 10,522 |  |  | $ | 11 |  |  | $ | 10,864 |  |  | $ | 12 |
Nine Months Ended September 30, |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |
Owner occupied | $ | 3,848 |  |  | $ | 1 |  |  | $ | 5,033 |  |  | $ | 1 |
Non-owner occupied | — |  |  | — |  |  | 108 |  |  | — |
Multi-family | 7 |  |  | — |  |  | 259 |  |  | — |
Non-owner occupied residential | 252 |  |  | — |  |  | 422 |  |  | — |
Acquisition and development: |  |  |  |  |  |  |
Commercial and land development | 246 |  |  | — |  |  | 586 |  |  | — |
Commercial and industrial | 3,046 |  |  | — |  |  | 1,316 |  |  | — |
Residential mortgage: |  |  |  |  |  |  |
First lien | 2,575 |  |  | 32 |  |  | 3,050 |  |  | 36 |
Home equity - term | 12 |  |  | — |  |  | 12 |  |  | — |
Home equity - lines of credit | 547 |  |  | — |  |  | 699 |  |  | 1 |
Installment and other loans | 17 |  |  | — |  |  | 29 |  |  | — |
| $ | 10,550 |  |  | $ | 33 |  |  | $ | 11,514 |  |  | $ | 38 |
Troubled Debt Restructurings | The following table presents impaired loans that are TDRs, with the recorded investment at September 30, 2021 and December 31, 2020:
| September 30, 2021 |  | December 31, 2020
| Number of Contracts |  | Recorded Investment |  | Number of Contracts |  | Recorded Investment
Accruing: |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |
Owner occupied | 1 |  |  | $ | 26 |  |  | 1 |  |  | $ | 28 |
Residential mortgage: |  |  |  |  |  |  |
First lien | 8 |  |  | 813 |  |  | 9 |  |  | 898 |
Home equity - lines of credit | — |  |  | — |  |  | 1 |  |  | 8 |
| 9 |  |  | 839 |  |  | 11 |  |  | 934 |
Nonaccruing: |  |  |  |  |  |  |
Residential mortgage: |  |  |  |  |  |  |
First lien | 5 |  |  | 291 |  |  | 5 |  |  | 320 |
| 5 |  |  | 291 |  |  | 5 |  |  | 320 |
| 14 |  |  | $ | 1,130 |  |  | 16 |  |  | $ | 1,254 |
Loan Portfolio Summarized by Aging Categories of Performing Loans and Nonaccrual Loans | The following table presents the classes of loan portfolio summarized by aging categories of performing loans and nonaccrual loans at September 30, 2021 and December 31, 2020:
|  |  | Days Past Due |  |  |  |  |  |
| Current |  | 30-59 |  | 60-89 |  | 90+ (still accruing) |  | Total Past Due |  | Non- Accrual |  | Total Loans
September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied | $ | 190,183 |  |  | $ | 238 |  |  | $ | — |  |  | $ | — |  |  | $ | 238 |  |  | $ | 3,806 |  |  | $ | 194,227 |
Non-owner occupied | 509,387 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 509,387 |
Multi-family | 112,002 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 112,002 |
Non-owner occupied residential | 98,459 |  |  | — |  |  | 251 |  |  | — |  |  | 251 |  |  | 171 |  |  | 98,881 |
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 12,246 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12,246 |
Commercial and land development | 71,774 |  |  | 10 |  |  | — |  |  | — |  |  | 10 |  |  | — |  |  | 71,784 |
Commercial and industrial | 534,967 |  |  | 7 |  |  | — |  |  | — |  |  | 7 |  |  | 2,941 |  |  | 537,915 |
Municipal | 13,631 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 13,631 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 196,076 |  |  | 341 |  |  | 318 |  |  | 35 |  |  | 694 |  |  | 1,659 |  |  | 198,429 |
Home equity - term | 7,041 |  |  | 15 |  |  | — |  |  | — |  |  | 15 |  |  | 7 |  |  | 7,063 |
Home equity - lines of credit | 153,266 |  |  | 208 |  |  | 35 |  |  | — |  |  | 243 |  |  | 495 |  |  | 154,004 |
Installment and other loans | 18,891 |  |  | 70 |  |  | 41 |  |  | — |  |  | 111 |  |  | 37 |  |  | 19,039 |
Subtotal | 1,917,923 |  |  | 889 |  |  | 645 |  |  | 35 |  |  | 1,569 |  |  | 9,116 |  |  | 1,928,608 |
Loans acquired with credit deterioration: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied | 2,358 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,358 |
Non-owner occupied | 316 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 316 |
Non-owner occupied residential | 1,081 |  |  | — |  |  | — |  |  | 126 |  |  | 126 |  |  | — |  |  | 1,207 |
Commercial and industrial | 2,290 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,290 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 4,730 |  |  | — |  |  | — |  |  | 201 |  |  | 201 |  |  | — |  |  | 4,931 |
Home equity - term | 16 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 16 |
Installment and other loans | 38 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 38 |
Subtotal | 10,829 |  |  | — |  |  | — |  |  | 327 |  |  | 327 |  |  | — |  |  | 11,156 |
| $ | 1,928,752 |  |  | $ | 889 |  |  | $ | 645 |  |  | $ | 362 |  |  | $ | 1,896 |  |  | $ | 9,116 |  |  | $ | 1,939,764 |
|  |  | Days Past Due |  |  |  |  |  |
| Current |  | 30-59 |  | 60-89 |  | 90+ (still accruing) |  | Total Past Due |  | Non- Accrual |  | Total Loans
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied | $ | 168,262 |  |  | $ | 958 |  |  | $ | — |  |  | $ | — |  |  | $ | 958 |  |  | $ | 3,232 |  |  | $ | 172,452 |
Non-owner occupied | 409,130 |  |  | 108 |  |  | — |  |  | — |  |  | 108 |  |  | — |  |  | 409,238 |
Multi-family | 113,635 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 113,635 |
Non-owner occupied residential | 112,443 |  |  | 484 |  |  | — |  |  | — |  |  | 484 |  |  | 268 |  |  | 113,195 |
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 9,486 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,486 |
Commercial and land development | 50,922 |  |  | 32 |  |  | 58 |  |  | — |  |  | 90 |  |  | 814 |  |  | 51,826 |
Commercial and industrial | 640,573 |  |  | 9 |  |  | 310 |  |  | — |  |  | 319 |  |  | 3,639 |  |  | 644,531 |
Municipal | 19,677 |  |  | 846 |  |  | — |  |  | — |  |  | 846 |  |  | — |  |  | 20,523 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 230,903 |  |  | 5,758 |  |  | 535 |  |  | 83 |  |  | 6,376 |  |  | 1,730 |  |  | 239,009 |
Home equity - term | 10,099 |  |  | 40 |  |  | — |  |  | 1 |  |  | 41 |  |  | 10 |  |  | 10,150 |
Home equity - lines of credit | 156,153 |  |  | 268 |  |  | — |  |  | — |  |  | 268 |  |  | 600 |  |  | 157,021 |
Installment and other loans | 26,052 |  |  | 168 |  |  | 49 |  |  | 14 |  |  | 231 |  |  | 17 |  |  | 26,300 |
Subtotal | 1,947,335 |  |  | 8,671 |  |  | 952 |  |  | 98 |  |  | 9,721 |  |  | 10,310 |  |  | 1,967,366 |
Loans acquired with credit deterioration: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied | 2,456 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,456 |
Non-owner occupied | 329 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 329 |
Non-owner occupied residential | 1,161 |  |  | — |  |  | — |  |  | 149 |  |  | 149 |  |  | — |  |  | 1,310 |
Commercial and industrial | 2,837 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,837 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 4,341 |  |  | 655 |  |  | 9 |  |  | 307 |  |  | 971 |  |  | — |  |  | 5,312 |
Home equity - term | 19 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 19 |
Installment and other loans | 57 |  |  | 4 |  |  | — |  |  | — |  |  | 4 |  |  | — |  |  | 61 |
Subtotal | 11,200 |  |  | 659 |  |  | 9 |  |  | 456 |  |  | 1,124 |  |  | — |  |  | 12,324 |
| $ | 1,958,535 |  |  | $ | 9,330 |  |  | $ | 961 |  |  | $ | 554 |  |  | $ | 10,845 |  |  | $ | 10,310 |  |  | $ | 1,979,690 |
Summary of Activity in the ALL and Ending Loan Balances Individually Evaluated for Impairment Based on Loan Segment | The following table presents the activity in the ALL for the three and nine months ended September 30, 2021 and 2020:
| Commercial |  | Consumer |  |  |  |
| Commercial Real Estate |  | Acquisition and Development |  | Commercial and Industrial |  | Municipal |  | Total |  | Residential Mortgage |  | Installment and Other |  | Total |  | Unallocated |  | Total
Three Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 11,315 |  |  | $ | 1,243 |  |  | $ | 3,495 |  |  | $ | 29 |  |  | $ | 16,082 |  |  | $ | 2,863 |  |  | $ | 227 |  |  | $ | 3,090 |  |  | $ | 209 |  |  | $ | 19,381 |
Provision for loan losses | (179) |  |  | 290 |  |  | 386 |  |  | (2) |  |  | 495 |  |  | (147) |  |  | 18 |  |  | (129) |  |  | (1) |  |  | 365 |
Charge-offs | (89) |  |  | — |  |  | (55) |  |  | — |  |  | (144) |  |  | — |  |  | (20) |  |  | (20) |  |  | — |  |  | (164) |
Recoveries | 305 |  |  | 8 |  |  | 60 |  |  | — |  |  | 373 |  |  | 5 |  |  | 5 |  |  | 10 |  |  | — |  |  | 383 |
Balance, end of period | $ | 11,352 |  |  | $ | 1,541 |  |  | $ | 3,886 |  |  | $ | 27 |  |  | $ | 16,806 |  |  | $ | 2,721 |  |  | $ | 230 |  |  | $ | 2,951 |  |  | $ | 208 |  |  | $ | 19,965 |
September 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 9,347 |  |  | $ | 1,069 |  |  | $ | 2,916 |  |  | $ | 75 |  |  | $ | 13,407 |  |  | $ | 3,552 |  |  | $ | 386 |  |  | $ | 3,938 |  |  | $ | 172 |  |  | $ | 17,517 |
Provision for loan losses | 1,520 |  |  | (219) |  |  | 963 |  |  | (19) |  |  | 2,245 |  |  | (71) |  |  | 18 |  |  | (53) |  |  | 8 |  |  | 2,200 |
Charge-offs | (3) |  |  | — |  |  | (193) |  |  | — |  |  | (196) |  |  | — |  |  | (31) |  |  | (31) |  |  | — |  |  | (227) |
Recoveries | 171 |  |  | — |  |  | 45 |  |  | — |  |  | 216 |  |  | 6 |  |  | 13 |  |  | 19 |  |  | — |  |  | 235 |
Balance, end of period | $ | 11,035 |  |  | $ | 850 |  |  | $ | 3,731 |  |  | $ | 56 |  |  | $ | 15,672 |  |  | $ | 3,487 |  |  | $ | 386 |  |  | $ | 3,873 |  |  | $ | 180 |  |  | $ | 19,725 |
Nine Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 11,151 |  |  | $ | 1,114 |  |  | $ | 3,942 |  |  | $ | 40 |  |  | $ | 16,247 |  |  | $ | 3,362 |  |  | $ | 324 |  |  | $ | 3,686 |  |  | $ | 218 |  |  | $ | 20,151 |
Provision for loan losses | 133 |  |  | 418 |  |  | 109 |  |  | (13) |  |  | 647 |  |  | (578) |  |  | (69) |  |  | (647) |  |  | (10) |  |  | (10) |
Charge-offs | (270) |  |  | — |  |  | (621) |  |  | — |  |  | (891) |  |  | (92) |  |  | (49) |  |  | (141) |  |  | — |  |  | (1,032) |
Recoveries | 338 |  |  | 9 |  |  | 456 |  |  | — |  |  | 803 |  |  | 29 |  |  | 24 |  |  | 53 |  |  | — |  |  | 856 |
Balance, end of period | $ | 11,352 |  |  | $ | 1,541 |  |  | $ | 3,886 |  |  | $ | 27 |  |  | $ | 16,806 |  |  | $ | 2,721 |  |  | $ | 230 |  |  | $ | 2,951 |  |  | $ | 208 |  |  | $ | 19,965 |
September 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 7,634 |  |  | $ | 959 |  |  | $ | 2,356 |  |  | $ | 100 |  |  | $ | 11,049 |  |  | $ | 3,147 |  |  | $ | 319 |  |  | $ | 3,466 |  |  | $ | 140 |  |  | $ | 14,655 |
Provision for loan losses | 2,780 |  |  | (117) |  |  | 1,875 |  |  | (44) |  |  | 4,494 |  |  | 329 |  |  | 162 |  |  | 491 |  |  | 40 |  |  | 5,025 |
Charge-offs | (3) |  |  | — |  |  | (689) |  |  | — |  |  | (692) |  |  | (109) |  |  | (117) |  |  | (226) |  |  | — |  |  | (918) |
Recoveries | 624 |  |  | 8 |  |  | 189 |  |  | — |  |  | 821 |  |  | 120 |  |  | 22 |  |  | 142 |  |  | — |  |  | 963 |
Balance, end of period | $ | 11,035 |  |  | $ | 850 |  |  | $ | 3,731 |  |  | $ | 56 |  |  | $ | 15,672 |  |  | $ | 3,487 |  |  | $ | 386 |  |  | $ | 3,873 |  |  | $ | 180 |  |  | $ | 19,725 |
The following table summarizes the ending loan balance individually evaluated for impairment based upon loan segment, as well as the related ALL loss allocation for each at September 30, 2021 and December 31, 2020. Accruing PCI loans are excluded from loans individually evaluated for impairment.
| Commercial |  | Consumer |  |  |  |
| Commercial Real Estate |  | Acquisition and Development |  | Commercial and Industrial |  | Municipal |  | Total |  | Residential Mortgage |  | Installment and Other |  | Total |  | Unallocated |  | Total
September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 4,003 |  |  | $ | — |  |  | $ | 2,941 |  |  | $ | — |  |  | $ | 6,944 |  |  | $ | 2,974 |  |  | $ | 37 |  |  | $ | 3,011 |  |  | $ | — |  |  | $ | 9,955 |
Collectively evaluated for impairment | 914,375 |  |  | 84,030 |  |  | 537,264 |  |  | 13,631 |  |  | 1,549,300 |  |  | 361,469 |  |  | 19,040 |  |  | 380,509 |  |  | — |  |  | 1,929,809 |
| $ | 918,378 |  |  | $ | 84,030 |  |  | $ | 540,205 |  |  | $ | 13,631 |  |  | $ | 1,556,244 |  |  | $ | 364,443 |  |  | $ | 19,077 |  |  | $ | 383,520 |  |  | $ | — |  |  | $ | 1,939,764 |
ALL allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 29 |  |  | $ | — |  |  | $ | 29 |  |  | $ | — |  |  | $ | 29 |
Collectively evaluated for impairment | 11,352 |  |  | 1,541 |  |  | 3,886 |  |  | 27 |  |  | 16,806 |  |  | 2,692 |  |  | 230 |  |  | 2,922 |  |  | 208 |  |  | 19,936 |
| $ | 11,352 |  |  | $ | 1,541 |  |  | $ | 3,886 |  |  | $ | 27 |  |  | $ | 16,806 |  |  | $ | 2,721 |  |  | $ | 230 |  |  | $ | 2,951 |  |  | $ | 208 |  |  | $ | 19,965 |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 3,528 |  |  | $ | 814 |  |  | $ | 3,639 |  |  | $ | — |  |  | $ | 7,981 |  |  | $ | 3,246 |  |  | $ | 17 |  |  | $ | 3,263 |  |  | $ | — |  |  | $ | 11,244 |
Collectively evaluated for impairment | 809,087 |  |  | 60,498 |  |  | 643,729 |  |  | 20,523 |  |  | 1,533,837 |  |  | 408,265 |  |  | 26,344 |  |  | 434,609 |  |  | — |  |  | 1,968,446 |
| $ | 812,615 |  |  | $ | 61,312 |  |  | $ | 647,368 |  |  | $ | 20,523 |  |  | $ | 1,541,818 |  |  | $ | 411,511 |  |  | $ | 26,361 |  |  | $ | 437,872 |  |  | $ | — |  |  | $ | 1,979,690 |
ALL allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 33 |  |  | $ | — |  |  | $ | 33 |  |  | $ | — |  |  | $ | 33 |
Collectively evaluated for impairment | 11,151 |  |  | 1,114 |  |  | 3,942 |  |  | 40 |  |  | 16,247 |  |  | 3,329 |  |  | 324 |  |  | 3,653 |  |  | 218 |  |  | 20,118 |
| $ | 11,151 |  |  | $ | 1,114 |  |  | $ | 3,942 |  |  | $ | 40 |  |  | $ | 16,247 |  |  | $ | 3,362 |  |  | $ | 324 |  |  | $ | 3,686 |  |  | $ | 218 |  |  | $ | 20,151 |
Schedule of Activity for the Accretable Yield of Purchased Impaired Loans | The following table provides activity for the accretable yield of PCI loans for the three and nine months ended September 30, 2021 and 2020:
| Three Months Ended |  | Nine Months Ended
| September 30, 2021 |  | September 30, 2020 |  | September 30, 2021 |  | September 30, 2020
Accretable yield, beginning of period | $ | 3,016 |  |  | $ | 4,182 |  |  | $ | 3,438 |  |  | $ | 6,950 |
Additions (1) | — |  |  | — |  |  | — |  |  | 570 |
Accretion of income | (203) |  |  | (546) |  |  | (878) |  |  | (2,459) |
Reclassifications from nonaccretable difference due to improvement in expected cash flows | 11 |  |  | 139 |  |  | 128 |  |  | 1,260 |
Other changes, net (2) | (12) |  |  | (231) |  |  | 124 |  |  | (2,777) |
Accretable yield, end of period | $ | 2,812 |  |  | $ | 3,544 |  |  | $ | 2,812 |  |  | $ | 3,544 |
(1) The amount for the nine months ended September 30, 2020 reflects a measurement period adjustment for Hamilton loans that should have been in the PCI pool at the acquisition date. (2) The amount for the nine months ended September 30, 2020 represents the impact of PCI loans sold during that period

X
- Definition Impaired Financing Receivable Average Recorded Investment And Recognized Interest Income Table [Text Block] + References No definition available. + Details
Name: | orrf_ImpairedFinancingReceivableAverageRecordedInvestmentAndRecognizedInterestIncomeTableTableTextBlock
Namespace Prefix: | orrf_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule of Certain Loans Acquired In Transfer, Accretable Yield Movement + References No definition available. + Details
Name: | orrf_ScheduleOfCertainLoansAcquiredInTransferAccretableYieldMovementTableTextBlock
Namespace Prefix: | orrf_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition 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. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=123577603&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=124267575&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=123577603&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition 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. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified as troubled debt restructuring. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953682-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration