XML 37 R27.htm IDEA: XBRL DOCUMENT
v3.22.2

LOANS AND ALLOWANCE FOR CREDIT LOSSES ON LOANS (Tables) | 6 Months Ended
--- | ---
Jun. 30, 2022
Loans and Leases Receivable Disclosure [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:
(In thousands) |  | June 30, 2022 |  | December 31, 2021
Commercial Loans: |  |  |  |
Commercial real estate - non-owner-occupied |  | $ | 1,208,700 |  |  | $ | 1,178,185 |
Commercial real estate - owner-occupied |  | 324,214 |  |  | 317,275 |
Commercial |  | 421,220 |  |  | 363,695 |
SBA PPP |  | 2,509 |  |  | 35,953 |
Total commercial loans |  | 1,956,643 |  |  | 1,895,108 |
Retail Loans: |  |  |  |
Residential real estate |  | 1,517,239 |  |  | 1,306,447 |
Home equity |  | 230,865 |  |  | 210,403 |
Consumer |  | 19,480 |  |  | 19,516 |
Total retail loans |  | 1,767,584 |  |  | 1,536,366 |
Total loans |  | $ | 3,724,227 |  |  | $ | 3,431,474 |
Schedule of Loan Balances by Portfolio Segment | The loan balances for each portfolio segment presented above are net of their respective unamortized fair value mark discount on acquired loans and net of unamortized loan origination costs for the dates indicated:
(In thousands) |  | June 30, 2022 |  | December 31, 2021
Net unamortized fair value mark discount on acquired loans |  | $ | (467) |  |  | $ | (593) |
Net unamortized loan origination costs(1) |  | 5,633 |  |  | 3,110 |
Total |  | $ | 5,166 |  |  | $ | 2,517 |
(1) Net unamortized loan origination costs includes unrecognized origination fees for SBA PPP loans of $67,000 and $1.2 million as of June 30, 2022 and December 31, 2021, respectively.
Summary of Activity in Allowance for Loan Losses | 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 Three Months Ended June 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, March 31, 2022 |  | $ | 16,572 |  |  | $ | 2,339 |  |  | $ | 4,838 |  |  | $ | 4 |  |  | $ | 6,476 |  |  | $ | 1,435 |  |  | $ | 106 |  |  | $ | 31,770 |
Loans charged off |  | — |  |  | — |  |  | (316) |  |  | — |  |  | (16) |  |  | — |  |  | (17) |  |  | (349) |
Recoveries |  | — |  |  | — |  |  | 223 |  |  | — |  |  | — |  |  | 86 |  |  | 3 |  |  | 312 |
(Credit) provision for loan losses |  | (362) |  |  | 162 |  |  | 400 |  |  | (3) |  |  | 1,978 |  |  | 275 |  |  | 61 |  |  | 2,511 |
Ending balance, June 30, 2022 |  | $ | 16,210 |  |  | $ | 2,501 |  |  | $ | 5,145 |  |  | $ | 1 |  |  | $ | 8,438 |  |  | $ | 1,796 |  |  | $ | 153 |  |  | $ | 34,244 |
At or For The Six Months Ended June 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, December 31, 2021 |  | $ | 18,834 |  |  | $ | 2,539 |  |  | $ | 4,183 |  |  | $ | 19 |  |  | $ | 6,133 |  |  | $ | 1,469 |  |  | $ | 79 |  |  | $ | 33,256 |
Loans charged off |  | — |  |  | — |  |  | (561) |  |  | — |  |  | (16) |  |  | — |  |  | (84) |  |  | (661) |
Recoveries |  | 1 |  |  | 2 |  |  | 280 |  |  | — |  |  | — |  |  | 86 |  |  | 5 |  |  | 374 |
(Credit) provision for loan losses |  | (2,625) |  |  | (40) |  |  | 1,243 |  |  | (18) |  |  | 2,321 |  |  | 241 |  |  | 153 |  |  | 1,275 |
Ending balance, June 30, 2022 |  | $ | 16,210 |  |  | $ | 2,501 |  |  | $ | 5,145 |  |  | $ | 1 |  |  | $ | 8,438 |  |  | $ | 1,796 |  |  | $ | 153 |  |  | $ | 34,244 |
At or For The Three Months Ended June 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, March 31, 2021 |  | $ | 22,473 |  |  | $ | 2,548 |  |  | $ | 5,170 |  |  | $ | 87 |  |  | $ | 3,093 |  |  | $ | 2,176 |  |  | $ | 228 |  |  | $ | 35,775 |
Loans charged off |  | — |  |  | — |  |  | (259) |  |  | — |  |  | (35) |  |  | (107) |  |  | (19) |  |  | (420) |
Recoveries |  | — |  |  | 3 |  |  | 67 |  |  | — |  |  | 70 |  |  | — |  |  | 17 |  |  | 157 |
(Credit) provision for loan losses |  | (2,896) |  |  | (35) |  |  | (636) |  |  | (21) |  |  | 77 |  |  | (4) |  |  | 63 |  |  | (3,452) |
Ending balance, June 30, 2021 |  | $ | 19,577 |  |  | $ | 2,516 |  |  | $ | 4,342 |  |  | $ | 66 |  |  | $ | 3,205 |  |  | $ | 2,065 |  |  | $ | 289 |  |  | $ | 32,060 |
At or For The Six Months Ended June 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, December 31, 2020 |  | $ | 21,778 |  |  | $ | 2,832 |  |  | $ | 6,703 |  |  | $ | 69 |  |  | $ | 3,474 |  |  | $ | 2,616 |  |  | $ | 393 |  |  | $ | 37,865 |
Loans charged off |  | — |  |  | — |  |  | (406) |  |  | — |  |  | (88) |  |  | (145) |  |  | (68) |  |  | (707) |
Recoveries |  | — |  |  | 5 |  |  | 110 |  |  | — |  |  | 70 |  |  | — |  |  | 23 |  |  | 208 |
(Credit) provision for loan losses |  | (2,201) |  |  | (321) |  |  | (2,065) |  |  | (3) |  |  | (251) |  |  | (406) |  |  | (59) |  |  | (5,306) |
Ending balance, June 30, 2021 |  | $ | 19,577 |  |  | $ | 2,516 |  |  | $ | 4,342 |  |  | $ | 66 |  |  | $ | 3,205 |  |  | $ | 2,065 |  |  | $ | 289 |  |  | $ | 32,060 |
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 |
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 dates indicated:
(In thousands) |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
As of June 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 211,579 |  |  | $ | 277,547 |  |  | $ | 160,694 |  |  | $ | 131,091 |  |  | $ | 112,844 |  |  | $ | 276,717 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,170,472 |
Special mention (Grade 7) |  | — |  |  | 169 |  |  | 7,551 |  |  | 273 |  |  | 81 |  |  | 480 |  |  | — |  |  | — |  |  | 8,554 |
Substandard (Grade 8) |  | — |  |  | 134 |  |  | 1,408 |  |  | 210 |  |  | 8,156 |  |  | 19,766 |  |  | — |  |  | — |  |  | 29,674 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - non-owner-occupied |  | 211,579 |  |  | 277,850 |  |  | 169,653 |  |  | 131,574 |  |  | 121,081 |  |  | 296,963 |  |  | — |  |  | — |  |  | 1,208,700 |
Commercial real estate - owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | 36,024 |  |  | 83,960 |  |  | 29,603 |  |  | 45,510 |  |  | 41,167 |  |  | 81,192 |  |  | — |  |  | — |  |  | 317,456 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 428 |  |  | — |  |  | — |  |  | 428 |
Substandard (Grade 8) |  | 35 |  |  | — |  |  | — |  |  | — |  |  | 3,332 |  |  | 2,963 |  |  | — |  |  | — |  |  | 6,330 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - owner occupied |  | 36,059 |  |  | 83,960 |  |  | 29,603 |  |  | 45,510 |  |  | 44,499 |  |  | 84,583 |  |  | — |  |  | — |  |  | 324,214 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | 47,525 |  |  | 77,885 |  |  | 37,550 |  |  | 38,395 |  |  | 25,149 |  |  | 34,260 |  |  | 125,442 |  |  | 29,534 |  |  | 415,740 |
Special mention (Grade 7) |  | — |  |  | — |  |  | 105 |  |  | 171 |  |  | 96 |  |  | 212 |  |  | 1,668 |  |  | 16 |  |  | 2,268 |
Substandard (Grade 8) |  | 23 |  |  | 20 |  |  | 145 |  |  | 265 |  |  | 188 |  |  | 1,845 |  |  | 468 |  |  | 258 |  |  | 3,212 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial |  | 47,548 |  |  | 77,905 |  |  | 37,800 |  |  | 38,831 |  |  | 25,433 |  |  | 36,317 |  |  | 127,578 |  |  | 29,808 |  |  | 421,220 |
SBA PPP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | — |  |  | 2,507 |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,509 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard (Grade 8) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total SBA PPP |  | — |  |  | 2,507 |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,509 |
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | 294,790 |  |  | 591,023 |  |  | 256,977 |  |  | 83,952 |  |  | 54,798 |  |  | 231,980 |  |  | 383 |  |  | — |  |  | 1,513,903 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 224 |  |  | — |  |  | — |  |  | 224 |
Substandard (Grade 8) |  | — |  |  | — |  |  | — |  |  | — |  |  | 61 |  |  | 3,051 |  |  | — |  |  | — |  |  | 3,112 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential real estate |  | 294,790 |  |  | 591,023 |  |  | 256,977 |  |  | 83,952 |  |  | 54,859 |  |  | 235,255 |  |  | 383 |  |  | — |  |  | 1,517,239 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 18,517 |  |  | 706 |  |  | 349 |  |  | 5,217 |  |  | 8,719 |  |  | 10,437 |  |  | 174,348 |  |  | 11,831 |  |  | 230,124 |
Non-performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 187 |  |  | 367 |  |  | 187 |  |  | 741 |
Total home equity |  | 18,517 |  |  | 706 |  |  | 349 |  |  | 5,217 |  |  | 8,719 |  |  | 10,624 |  |  | 174,715 |  |  | 12,018 |  |  | 230,865 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 4,158 |  |  | 5,169 |  |  | 2,457 |  |  | 1,934 |  |  | 573 |  |  | 2,414 |  |  | 2,747 |  |  | — |  |  | 19,452 |
Non-performing |  | — |  |  | — |  |  | 9 |  |  | 18 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 28 |
Total consumer |  | 4,158 |  |  | 5,169 |  |  | 2,466 |  |  | 1,952 |  |  | 573 |  |  | 2,415 |  |  | 2,747 |  |  | — |  |  | 19,480 |
Total Loans |  | $ | 612,651 |  |  | $ | 1,039,120 |  |  | $ | 496,850 |  |  | $ | 307,036 |  |  | $ | 255,164 |  |  | $ | 666,157 |  |  | $ | 305,423 |  |  | $ | 41,826 |  |  | $ | 3,724,227 |
(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 |
Loan Aging Analysis by Portfolio Segment | 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 |  |
June 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  | $ | 92 |  |  | $ | — |  |  | $ | 49 |  |  | $ | 141 |  |  | $ | 1,208,559 |  |  | $ | 1,208,700 |  |  | $ | — |  |  |
Commercial real estate - owner-occupied |  | — |  |  | 166 |  |  | 133 |  |  | 299 |  |  | 323,915 |  |  | 324,214 |  |  |  |  |
Commercial |  | 325 |  |  | 20 |  |  | 643 |  |  | 988 |  |  | 420,232 |  |  | 421,220 |  |  | — |  |  |
SBA PPP |  | — |  |  | 46 |  |  | — |  |  | 46 |  |  | 2,463 |  |  | 2,509 |  |  | — |  |  |
Residential real estate |  | 1,123 |  |  | 61 |  |  | 945 |  |  | 2,129 |  |  | 1,515,110 |  |  | 1,517,239 |  |  | — |  |  |
Home equity |  | 466 |  |  | 116 |  |  | 410 |  |  | 992 |  |  | 229,873 |  |  | 230,865 |  |  | — |  |  |
Consumer |  | 51 |  |  | 13 |  |  | 27 |  |  | 91 |  |  | 19,389 |  |  | 19,480 |  |  | — |  |  |
Total |  | $ | 2,057 |  |  | $ | 422 |  |  | $ | 2,207 |  |  | $ | 4,686 |  |  | $ | 3,719,541 |  |  | $ | 3,724,227 |  |  | $ | — |  |  |
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 |  |  | $ | — |  |  |
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:
|  | June 30, 2022 |  | December 31, 2021
(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 |  |  | $ | 12 |  |  | $ | 50 |  |  | $ | 38 |  |  | $ | 13 |  |  | $ | 51 |
Commercial real estate - owner-occupied |  | 85 |  |  | 47 |  |  | 132 |  |  | 86 |  |  | 47 |  |  | 133 |
Commercial |  | 371 |  |  | 352 |  |  | 723 |  |  | 785 |  |  | 44 |  |  | 829 |
Residential real estate |  | 1,463 |  |  | 368 |  |  | 1,831 |  |  | 1,780 |  |  | 327 |  |  | 2,107 |
Home equity |  | 675 |  |  | 66 |  |  | 741 |  |  | 1,064 |  |  | 111 |  |  | 1,175 |
Consumer |  | 28 |  |  | — |  |  | 28 |  |  | 32 |  |  | — |  |  | 32 |
Total |  | $ | 2,660 |  |  | $ | 845 |  |  | $ | 3,505 |  |  | $ | 3,785 |  |  | $ | 542 |  |  | $ | 4,327 |
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 dates indicated:
|  | June 30, 2022 |  | December 31, 2021
|  | 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 |
Residential real estate |  | $ | 325 |  |  | $ | — |  |  | $ | 325 |  |  | $ | 268 |  |  | $ | — |  |  | $ | 268 |
Home equity |  | — |  |  | — |  |  | — |  |  | 111 |  |  | — |  |  | 111 |
Total |  | $ | 325 |  |  | $ | — |  |  | $ | 325 |  |  | $ | 379 |  |  | $ | — |  |  | $ | 379 |
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) |  | June 30, 2022 |  | December 31, 2021 |  | June 30, 2022 |  | December 31, 2021 |  | June 30, 2022 |  | December 31, 2021
Commercial real estate - owner-occupied |  | 1 |  |  | 1 |  |  | $ | 116 |  |  | $ | 118 |  |  | $ | 46 |  |  | $ | 43 |
Commercial |  | 2 |  |  | 2 |  |  | 66 |  |  | 74 |  |  | — |  |  | — |
Residential real estate |  | 19 |  |  | 19 |  |  | 2,276 |  |  | 2,341 |  |  | 325 |  |  | $ | 348 |
Consumer and home equity |  | 3 |  |  | 3 |  |  | 251 |  |  | 253 |  |  | 6 |  |  | 6 |
Total |  | 25 |  |  | 25 |  |  | $ | 2,709 |  |  | $ | 2,786 |  |  | $ | 377 |  |  | $ | 397 |
Troubled Debt Restructuring | 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) |  | 2022 |  | 2021 |  | 2022 |  | 2021 |  | 2022 |  | 2021 |  | 2022 |  | 2021
For the Three Months Ended June 30: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Maturity concession |  | — |  |  | 1 |  |  | $ | — |  |  | $ | 144 |  |  | $ | — |  |  | $ | 143 |  |  | $ | — |  |  | $ | 6 |
Total |  | — |  |  | 1 |  |  | $ | — |  |  | $ | 144 |  |  | $ | — |  |  | $ | 143 |  |  | $ | — |  |  | $ | 6 |
For the Six Months Ended June 30: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate concession and payment deferral |  | — |  |  | 1 |  |  | $ | — |  |  | $ | 159 |  |  | $ | — |  |  | $ | 170 |  |  | $ | — |  |  | $ | 56 |
Maturity concession |  | — |  |  | 1 |  |  | — |  |  | 144 |  |  | — |  |  | 143 |  |  | — |  |  | 6 |
Total |  | — |  |  | 2 |  |  | $ | — |  |  | $ | 303 |  |  | $ | — |  |  | $ | 313 |  |  | $ | — |  |  | $ | 62 |

X
- Definition Loan Portfolio + References No definition available. + Details
Name: | cac_LoanPortfolioTableTextBlock
Namespace Prefix: | cac_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition [Table Text Block] for Troubled Debt Restructuring and Specific Reserve Related to TDRs [Table] + References No definition available. + Details
Name: | cac_TroubledDebtRestructuringandSpecificReserveRelatedtoTDRsTableTextBlock
Namespace Prefix: | cac_
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
- References No definition available. + Details
Name: | us-gaap_LoansAndLeasesReceivableDisclosureAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
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
- 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 on nonaccrual status. + References Reference 1: 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 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 16 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919258-210447 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
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