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Loans and Allowance for Credit Losses on Loans (Tables) | 12 Months Ended
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Dec. 31, 2021
Receivables [Abstract] |
Composition of Loan Portfolio, Excluding Residential Loans Held for Sale | The composition of the Company’s loan portfolio, excluding residential loans held for sale, was as follows for the dates indicated:
|  | December 31,
(In thousands) |  | 2021 |  | 2020
Commercial Loans: |  |  |  |
Commercial real estate - non-owner-occupied |  | $ | 1,178,185 |  |  | $ | 1,097,975 |
Commercial real estate - owner-occupied |  | 317,275 |  |  | 271,495 |
Commercial |  | 363,695 |  |  | 381,494 |
SBA PPP |  | 35,953 |  |  | 135,095 |
Total commercial loans |  | 1,895,108 |  |  | 1,886,059 |
Retail Loans: |  |  |  |
Residential real estate |  | 1,306,447 |  |  | 1,054,798 |
Home equity |  | 210,403 |  |  | 258,573 |
Consumer |  | 19,516 |  |  | 20,392 |
Total retail loans |  | 1,536,366 |  |  | 1,333,763 |
Total loans |  | $ | 3,431,474 |  |  | $ | 3,219,822 |
Schedule of Loan Balances for Each Portfolio Segment | The loan balances for each portfolio segment presented above are net of their respective net unamortized fair value mark discount on acquired loans and net unamortized loan origination costs for the dates indicated:
|  | December 31,
(In thousands) |  | 2021 |  | 2020
Net unamortized fair value mark discount on acquired loans |  | $ | (593) |  |  | $ | (1,291) |
Net unamortized loan origination costs(1) |  | 3,110 |  |  | 856 |
Total |  | $ | 2,517 |  |  | $ | (435) |
(1) Net unamortized loan origination costs includes unrecognized origination fees for SBA PPP loans of $1.2 million and $2.2 million as of December 31, 2021 and 2020, respectively.
Activity in Allowance for Loan Losses by Portfolio Segment | The following table presents the activity in the ACL on loans, as reported under CECL, for the periods indicated:
|  | Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
(In thousands) |  | Non-Owner-Occupied |  | Owner- Occupied |  | Commercial |  | SBA PPP |  | Residential Real Estate |  | Home Equity |  | Consumer |  | Total
At or For the Year Ended December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, December 31, 2020 |  | $ | 21,778 |  |  | $ | 2,832 |  |  | $ | 6,703 |  |  | $ | 69 |  |  | $ | 3,474 |  |  | $ | 2,616 |  |  | $ | 393 |  |  | $ | 37,865 |
Loans charged off |  | — |  |  | — |  |  | (799) |  |  | — |  |  | (92) |  |  | (162) |  |  | (111) |  |  | (1,164) |
Recoveries |  | — |  |  | 9 |  |  | 220 |  |  | — |  |  | 107 |  |  | 4 |  |  | 32 |  |  | 372 |
(Credit ) provision for loan losses |  | (2,944) |  |  | (302) |  |  | (1,941) |  |  | (50) |  |  | 2,644 |  |  | (989) |  |  | (235) |  |  | (3,817) |
Ending balance, December 31, 2021 |  | $ | 18,834 |  |  | $ | 2,539 |  |  | $ | 4,183 |  |  | $ | 19 |  |  | $ | 6,133 |  |  | $ | 1,469 |  |  | $ | 79 |  |  | $ | 33,256 |
At or For the Year Ended December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, December 31, 2019 |  | $ | 10,924 |  |  | $ | 1,490 |  |  | $ | 3,985 |  |  | $ | — |  |  | $ | 5,842 |  |  | $ | 2,423 |  |  | $ | 507 |  |  | $ | 25,171 |
Impact of adopting CECL(1) |  | (668) |  |  | (90) |  |  | 1,548 |  |  | — |  |  | (1,129) |  |  | 792 |  |  | (220) |  |  | 233 |
Loans charged off |  | (82) |  |  | (21) |  |  | (1,130) |  |  | — |  |  | (121) |  |  | (317) |  |  | (167) |  |  | (1,838) |
Recoveries |  | 107 |  |  | 13 |  |  | 572 |  |  | — |  |  | 292 |  |  | 33 |  |  | 67 |  |  | 1,084 |
Provision (credit) for loan losses |  | 11,497 |  |  | 1,440 |  |  | 1,728 |  |  | 69 |  |  | (1,410) |  |  | (315) |  |  | 206 |  |  | 13,215 |
Ending balance, December 31, 2020 |  | $ | 21,778 |  |  | $ | 2,832 |  |  | $ | 6,703 |  |  | $ | 69 |  |  | $ | 3,474 |  |  | $ | 2,616 |  |  | $ | 393 |  |  | $ | 37,865 |
(1) Effective January 1, 2020, the Company adopted ASU 2016-13, commonly referred to as “CECL.” Refer to Note 1 for further details. The following table presents activity in the allowance for loan losses and select loan information by portfolio segment, under the incurred loss methodology, for the period indicated:
(In thousands) |  | Commercial Real Estate |  | Commercial |  |  |  | Residential Real Estate |  | Home Equity |  | Consumer |  | Total
At or For the Year Ended December 31, 2019: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 11,654 |  |  | $ | 3,957 |  |  |  |  | $ | 6,071 |  |  | $ | 2,796 |  |  | $ | 234 |  |  | $ | 24,712 |
Loans charged off |  | (300) |  |  | (1,238) |  |  |  |  | (462) |  |  | (412) |  |  | (301) |  |  | (2,713) |
Recoveries |  | 49 |  |  | 225 |  |  |  |  | 16 |  |  | 1 |  |  | 19 |  |  | 310 |
Provision for loan losses |  | 1,011 |  |  | 1,041 |  |  |  |  | 217 |  |  | 38 |  |  | 555 |  |  | 2,862 |
Ending balance |  | $ | 12,414 |  |  | $ | 3,985 |  |  |  |  | $ | 5,842 |  |  | $ | 2,423 |  |  | $ | 507 |  |  | $ | 25,171 |
Allowance balance attributable loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 30 |  |  | $ | — |  |  |  |  | $ | 364 |  |  | $ | 69 |  |  | $ | — |  |  | $ | 463 |
Collectively evaluated for impairment |  | 12,384 |  |  | 3,985 |  |  |  |  | 5,478 |  |  | 2,354 |  |  | 507 |  |  | 24,708 |
Total ending allowance |  | $ | 12,414 |  |  | $ | 3,985 |  |  |  |  | $ | 5,842 |  |  | $ | 2,423 |  |  | $ | 507 |  |  | $ | 25,171 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 402 |  |  | $ | 319 |  |  |  |  | $ | 3,384 |  |  | $ | 373 |  |  | $ | — |  |  | $ | 4,478 |
Collectively evaluated for impairment |  | 1,242,995 |  |  | 442,382 |  |  |  |  | 1,066,990 |  |  | 312,406 |  |  | 25,772 |  |  | 3,090,545 |
Total loan balances |  | $ | 1,243,397 |  |  | $ | 442,701 |  |  |  |  | $ | 1,070,374 |  |  | $ | 312,779 |  |  | $ | 25,772 |  |  | $ | 3,095,023 |
Credit Risk Exposure Indicators by Portfolio Segment | Based on the most recent analysis performed, the risk category of loans by portfolio segment by vintage, reported under the CECL methodology, was as follows as of the periods indicated:
(In thousands) |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
As of December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 286,428 |  |  | $ | 179,565 |  |  | $ | 161,695 |  |  | $ | 118,196 |  |  | $ | 96,169 |  |  | $ | 274,731 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,116,784 |
Special mention (Grade 7) |  | 171 |  |  | 7,266 |  |  | 286 |  |  | 119 |  |  | 4,294 |  |  | 10,590 |  |  | — |  |  | — |  |  | 22,726 |
Substandard (Grade 8) |  | 350 |  |  | 1,518 |  |  | 217 |  |  | 9,942 |  |  | 391 |  |  | 26,257 |  |  | — |  |  | — |  |  | 38,675 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - non-owner-occupied |  | 286,949 |  |  | 188,349 |  |  | 162,198 |  |  | 128,257 |  |  | 100,854 |  |  | 311,578 |  |  | — |  |  | — |  |  | 1,178,185 |
Commercial real estate - owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | 91,328 |  |  | 39,082 |  |  | 31,409 |  |  | 43,786 |  |  | 46,466 |  |  | 56,682 |  |  | — |  |  | — |  |  | 308,753 |
Special mention (Grade 7) |  |  |  | — |  |  | — |  |  | 3,396 |  |  | 362 |  |  | 1,708 |  |  | — |  |  | — |  |  | 5,466 |
Substandard (Grade 8) |  | — |  |  | — |  |  | 54 |  |  | — |  |  | 1,785 |  |  | 1,217 |  |  | — |  |  | — |  |  | 3,056 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - owner-occupied |  | 91,328 |  |  | 39,082 |  |  | 31,463 |  |  | 47,182 |  |  | 48,613 |  |  | 59,607 |  |  | — |  |  | — |  |  | 317,275 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | 91,102 |  |  | 43,757 |  |  | 44,925 |  |  | 23,895 |  |  | 13,818 |  |  | 27,743 |  |  | 80,775 |  |  | 31,586 |  |  | 357,601 |
Special mention (Grade 7) |  | 145 |  |  | 117 |  |  | 590 |  |  | 115 |  |  | 383 |  |  | 222 |  |  | 967 |  |  | 244 |  |  | 2,783 |
Substandard (Grade 8) |  | — |  |  | 339 |  |  | 320 |  |  | 492 |  |  | 293 |  |  | 1,209 |  |  | 360 |  |  | 298 |  |  | 3,311 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial |  | 91,247 |  |  | 44,213 |  |  | 45,835 |  |  | 24,502 |  |  | 14,494 |  |  | 29,174 |  |  | 82,102 |  |  | 32,128 |  |  | 363,695 |
SBA PPP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | 35,164 |  |  | 319 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 35,483 |
Special mention (Grade 7) |  | 470 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 470 |
Substandard (Grade 8) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total SBA PPP |  | 35,634 |  |  | 319 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 35,953 |
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | 586,637 |  |  | 281,804 |  |  | 103,228 |  |  | 63,403 |  |  | 46,696 |  |  | 219,983 |  |  | 903 |  |  | — |  |  | 1,302,654 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 230 |  |  | — |  |  | — |  |  | 230 |
Substandard (Grade 8) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,563 |  |  | — |  |  | — |  |  | 3,563 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential real estate |  | 586,637 |  |  | 281,804 |  |  | 103,228 |  |  | 63,403 |  |  | 46,696 |  |  | 223,776 |  |  | 903 |  |  | — |  |  | 1,306,447 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 760 |  |  | 554 |  |  | 6,179 |  |  | 10,995 |  |  | 2,464 |  |  | 10,792 |  |  | 165,189 |  |  | 12,295 |  |  | 209,228 |
Non-performing |  | — |  |  | — |  |  | — |  |  | 41 |  |  | — |  |  | 174 |  |  | 847 |  |  | 113 |  |  | 1,175 |
Total home equity |  | 760 |  |  | 554 |  |  | 6,179 |  |  | 11,036 |  |  | 2,464 |  |  | 10,966 |  |  | 166,036 |  |  | 12,408 |  |  | 210,403 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 6,860 |  |  | 3,523 |  |  | 3,089 |  |  | 1,051 |  |  | 548 |  |  | 2,014 |  |  | 2,399 |  |  | — |  |  | 19,484 |
Non-performing |  | — |  |  | 9 |  |  | 21 |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | 32 |
Total consumer |  | 6,860 |  |  | 3,532 |  |  | 3,110 |  |  | 1,051 |  |  | 548 |  |  | 2,016 |  |  | 2,399 |  |  | — |  |  | 19,516 |
Total Loans |  | $ | 1,099,415 |  |  | $ | 557,853 |  |  | $ | 352,013 |  |  | $ | 275,431 |  |  | $ | 213,669 |  |  | $ | 637,117 |  |  | $ | 251,440 |  |  | $ | 44,536 |  |  | $ | 3,431,474 |
(In thousands) |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
As of December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 138,010 |  |  | $ | 224,148 |  |  | $ | 144,552 |  |  | $ | 119,409 |  |  | $ | 157,588 |  |  | $ | 264,253 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,047,960 |
Special mention (Grade 7) |  | 5,739 |  |  | — |  |  | — |  |  | 4,256 |  |  | 3,497 |  |  | 847 |  |  | — |  |  | — |  |  | 14,339 |
Substandard (Grade 8) |  | 24 |  |  | 125 |  |  | 2,070 |  |  | 405 |  |  | 1,522 |  |  | 31,530 |  |  | — |  |  | — |  |  | 35,676 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - non-owner-occupied |  | 143,773 |  |  | 224,273 |  |  | 146,622 |  |  | 124,070 |  |  | 162,607 |  |  | 296,630 |  |  | — |  |  | — |  |  | 1,097,975 |
Commercial real estate - owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | 35,948 |  |  | 29,217 |  |  | 48,312 |  |  | 47,065 |  |  | 25,507 |  |  | 76,098 |  |  | — |  |  | — |  |  | 262,147 |
Special mention (Grade 7) |  | — |  |  | — |  |  | 4,584 |  |  | — |  |  | — |  |  | 1,513 |  |  | — |  |  | — |  |  | 6,097 |
Substandard (Grade 8) |  | — |  |  | — |  |  | 891 |  |  | 462 |  |  | — |  |  | 1,898 |  |  | — |  |  | — |  |  | 3,251 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - owner-occupied |  | 35,948 |  |  | 29,217 |  |  | 53,787 |  |  | 47,527 |  |  | 25,507 |  |  | 79,509 |  |  | — |  |  | — |  |  | 271,495 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | 53,966 |  |  | 72,863 |  |  | 40,688 |  |  | 25,478 |  |  | 15,788 |  |  | 51,869 |  |  | 72,425 |  |  | 37,026 |  |  | 370,103 |
Special mention (Grade 7) |  | — |  |  | 22 |  |  | 313 |  |  | 4,924 |  |  | 117 |  |  | 400 |  |  | — |  |  | 867 |  |  | 6,643 |
Substandard (Grade 8) |  | 187 |  |  | 1,012 |  |  | 211 |  |  | 51 |  |  | 42 |  |  | 2,081 |  |  | 65 |  |  | 1,099 |  |  | 4,748 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial |  | 54,153 |  |  | 73,897 |  |  | 41,212 |  |  | 30,453 |  |  | 15,947 |  |  | 54,350 |  |  | 72,490 |  |  | 38,992 |  |  | 381,494 |
SBA PPP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | 135,095 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 135,095 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard (Grade 8) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total SBA PPP |  | 135,095 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 135,095 |
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | 339,834 |  |  | 183,877 |  |  | 119,426 |  |  | 79,159 |  |  | 57,269 |  |  | 266,324 |  |  | 3,028 |  |  | — |  |  | 1,048,917 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 398 |  |  | — |  |  | — |  |  | 398 |
Substandard (Grade 8) |  | — |  |  | — |  |  | 176 |  |  | 487 |  |  | — |  |  | 4,820 |  |  | — |  |  | — |  |  | 5,483 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential real estate |  | 339,834 |  |  | 183,877 |  |  | 119,602 |  |  | 79,646 |  |  | 57,269 |  |  | 271,542 |  |  | 3,028 |  |  | — |  |  | 1,054,798 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 855 |  |  | 9,415 |  |  | 17,281 |  |  | 3,478 |  |  | 1,339 |  |  | 17,664 |  |  | 194,065 |  |  | 12,480 |  |  | 256,577 |
Non-performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 207 |  |  | 1,241 |  |  | 548 |  |  | 1,996 |
Total home equity |  | 855 |  |  | 9,415 |  |  | 17,281 |  |  | 3,478 |  |  | 1,339 |  |  | 17,871 |  |  | 195,306 |  |  | 13,028 |  |  | 258,573 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 6,572 |  |  | 6,525 |  |  | 3,096 |  |  | 1,359 |  |  | 378 |  |  | 1,780 |  |  | 678 |  |  | — |  |  | 20,388 |
Non-performing |  | — |  |  | — |  |  | — |  |  | — |  |  | 4 |  |  | — |  |  | — |  |  | — |  |  | 4 |
Total consumer |  | 6,572 |  |  | 6,525 |  |  | 3,096 |  |  | 1,359 |  |  | 382 |  |  | 1,780 |  |  | 678 |  |  | — |  |  | 20,392 |
Total Loans |  | $ | 716,230 |  |  | $ | 527,204 |  |  | $ | 381,600 |  |  | $ | 286,533 |  |  | $ | 263,051 |  |  | $ | 721,682 |  |  | $ | 271,502 |  |  | $ | 52,020 |  |  | $ | 3,219,822 |
Loan Aging Analysis by Portfolio Segment (Including Loans Past Due Over Ninety Days and Non Accrual Loans) and Summary of Non Accrual Loans, Which Include Troubled Debt Restructured Loans, and Loans Past Due Over Ninety Days and Accruing | The following is a loan aging analysis by portfolio segment (including loans past due over 90 days and non-accrual loans) and loans past due over 90 days and accruing as of the following dates:
(In thousands) |  | 30 – 59 Days Past Due |  | 60 – 89 Days Past Due |  | 90 Days or Greater Past Due |  | Total Past Due |  | Current |  | Total Loans Outstanding |  | Loans > 90 Days Past Due and Accruing |  |
December 31, 2021: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  | $ | — |  |  | $ | — |  |  | $ | 51 |  |  | $ | 51 |  |  | $ | 1,178,134 |  |  | $ | 1,178,185 |  |  | $ | — |  |  |
Commercial real estate - owner-occupied |  | 47 |  |  | — |  |  | 133 |  |  | 180 |  |  | $ | 317,095 |  |  | 317,275 |  |  | — |  |  |
Commercial |  | 282 |  |  | 174 |  |  | 787 |  |  | 1,243 |  |  | $ | 362,452 |  |  | 363,695 |  |  | — |  |  |
SBA PPP |  | — |  |  | 68 |  |  | — |  |  | 68 |  |  | $ | 35,885 |  |  | 35,953 |  |  | — |  |  |
Residential real estate |  | 379 |  |  | 475 |  |  | 1,210 |  |  | 2,064 |  |  | $ | 1,304,383 |  |  | 1,306,447 |  |  | — |  |  |
Home equity |  | 456 |  |  | 50 |  |  | 445 |  |  | 951 |  |  | $ | 209,452 |  |  | 210,403 |  |  | — |  |  |
Consumer |  | 95 |  |  | 1 |  |  | 32 |  |  | 128 |  |  | 19,388 |  |  | 19,516 |  |  | — |  |  |
Total |  | $ | 1,259 |  |  | $ | 768 |  |  | $ | 2,658 |  |  | $ | 4,685 |  |  | $ | 3,426,789 |  |  | $ | 3,431,474 |  |  | $ | — |  |  |
December 31, 2020: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  | $ | — |  |  | $ | 50 |  |  | $ | 173 |  |  | $ | 223 |  |  | $ | 1,097,752 |  |  | $ | 1,097,975 |  |  | $ | — |  |  |
Commercial real estate - owner-occupied |  | 99 |  |  | — |  |  | 47 |  |  | 146 |  |  | 271,349 |  |  | 271,495 |  |  | — |  |  |
Commercial |  | 430 |  |  | — |  |  | 857 |  |  | 1,287 |  |  | 380,207 |  |  | 381,494 |  |  | — |  |  |
SBA PPP |  | — |  |  | — |  |  | — |  |  | — |  |  | 135,095 |  |  | 135,095 |  |  | — |  |  |
Residential real estate |  | 1,406 |  |  | 1,103 |  |  | 2,535 |  |  | 5,044 |  |  | 1,049,754 |  |  | 1,054,798 |  |  | — |  |  |
Home equity |  | 335 |  |  | 173 |  |  | 1,416 |  |  | 1,924 |  |  | 256,649 |  |  | 258,573 |  |  | — |  |  |
Consumer |  | 92 |  |  | 67 |  |  | 4 |  |  | 163 |  |  | 20,229 |  |  | 20,392 |  |  | — |  |  |
Total |  | $ | 2,362 |  |  | $ | 1,393 |  |  | $ | 5,032 |  |  | $ | 8,787 |  |  | $ | 3,211,035 |  |  | $ | 3,219,822 |  |  | $ | — |  |  |
Financing Receivable, Nonaccrual | The following table presents the amortized cost basis of loans on non-accrual status (including non-accruing TDRs) by portfolio segment as of the dates indicated:
|  | December 31,
|  | 2021 |  | 2020
(In thousands) |  | Non-Accrual Loans With an Allowance |  | Non-Accrual Loans Without an Allowance |  | Total Non-Accrual Loans |  | Non-Accrual Loans With an Allowance |  | Non-Accrual Loans Without an Allowance |  | Total Non-Accrual Loans
Commercial real estate - non-owner-occupied |  | $ | 38 |  |  | $ | 13 |  |  | $ | 51 |  |  | $ | 351 |  |  | $ | 15 |  |  | $ | 366 |
Commercial real estate - owner-occupied |  | 86 |  |  | 47 |  |  | 133 |  |  | 99 |  |  | 47 |  |  | 146 |
Commercial |  | 785 |  |  | 44 |  |  | 829 |  |  | 1,549 |  |  | 58 |  |  | 1,607 |
Residential real estate |  | 1,780 |  |  | 327 |  |  | 2,107 |  |  | 3,136 |  |  | 341 |  |  | 3,477 |
Home equity |  | 1,064 |  |  | 111 |  |  | 1,175 |  |  | 1,961 |  |  | 35 |  |  | 1,996 |
Consumer |  | 32 |  |  | — |  |  | 32 |  |  | 4 |  |  | — |  |  | 4 |
Total |  | $ | 3,785 |  |  | $ | 542 |  |  | $ | 4,327 |  |  | $ | 7,100 |  |  | $ | 496 |  |  | $ | 7,596 |
The following table presents the amortized cost basis of collateral-dependent non-accrual loans (including non-accruing TDRs) by portfolio segment and collateral type, as of the date indicated:
|  | December 31, 2021 |  | December 31, 2020
|  | Collateral Type |  | Total Collateral -Dependent Non-Accrual Loans |  | Collateral Type |  | Total Collateral -Dependent Non-Accrual Loans
(In thousands) |  | Real Estate |  | General Business Assets |  |  | Real Estate |  | General Business Assets |
Commercial |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 689 |  |  | $ | 689 |
Residential real estate |  | 268 |  |  | — |  |  | 268 |  |  | 248 |  |  | — |  |  | 248 |
Home equity |  | 111 |  |  | — |  |  | 111 |  |  | — |  |  | — |  |  | — |
Total |  | $ | 379 |  |  | $ | — |  |  | $ | 379 |  |  | $ | 248 |  |  | $ | 689 |  |  | $ | 937 |
Troubled Debt Restructuring and Specific Reserve Related to TDRs | The following is a summary of TDRs, by portfolio segment, and the associated specific reserve included within the ACL for the dates indicated:
|  | Number of Contracts |  | Recorded Investment |  | Specific Reserve
(In thousands, except number of contracts) |  | December 31, |  | December 31, |  | December 31,
| 2021 |  | 2020 |  | 2021 |  | 2020 |  | 2021 |  | 2020
Commercial real estate - owner-occupied |  | 1 |  |  | 2 |  |  | $ | 118 |  |  | $ | 328 |  |  | $ | 43 |  |  | $ | 37 |
Commercial |  | 2 |  |  | 2 |  |  | 74 |  |  | 100 |  |  | — |  |  | — |
Residential real estate |  | 19 |  |  | 21 |  |  | 2,341 |  |  | 2,638 |  |  | 348 |  |  | 364 |
Consumer and home equity |  | 3 |  |  | — |  |  | 253 |  |  | — |  |  | 6 |  |  | — |
Total |  | 25 |  |  | 25 |  |  | $ | 2,786 |  |  | $ | 3,066 |  |  | $ | 397 |  |  | $ | 401 |
Summary of All Troubled Debt Restructuring Loans (Accruing and Non Accruing) by Portfolio Segment | The following represents loan modifications that qualify as TDRs that occurred during the periods indicated:
|  | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Specific Reserve
(In thousands, except number of contracts) |  | For the Year Ended December 31, |  | For the Year Ended December 31, |  | For the Year Ended December 31, |  | For the Year Ended December 31,
| 2021 |  | 2020 |  | 2019 |  | 2021 |  | 2020 |  | 2019 |  | 2021 |  | 2020 |  | 2019 |  | 2021 |  | 2020 |  | 2019
Home Equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate concession and payment deferral |  | 1 |  |  | — |  |  |  |  | $ | 159 |  |  | $ | — |  |  |  |  | $ | 170 |  |  | $ | — |  |  |  |  | $ | — |  |  | $ | — |  |  |
Maturity concession |  | 2 |  |  | — |  |  | — |  |  | 187 |  |  | — |  |  | — |  |  | 187 |  |  | — |  |  | — |  |  | 6 |  |  | — |  |  | — |
Interest rate and maturity concession |  | — |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | 64 |  |  | — |  |  | — |  |  | 69 |  |  | — |  |  | — |  |  | 15 |
Total |  | 3 |  |  | — |  |  | 2 |  |  | $ | 346 |  |  | $ | — |  |  | $ | 64 |  |  | $ | 357 |  |  | $ | — |  |  | $ | 69 |  |  | $ | 6 |  |  | $ | — |  |  | $ | 15 |

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