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LOANS AND ALLOWANCE FOR CREDIT LOSSES ON LOANS (Tables) | 9 Months Ended
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Sep. 30, 2023
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) |  | September 30, 2023 |  | December 31, 2022
Commercial Loans: |  |  |  |
Commercial real estate - non-owner-occupied |  | $ | 1,349,463 |  |  | $ | 1,292,443 |
Commercial real estate - owner-occupied |  | 303,825 |  |  | 332,494 |
Commercial |  | 400,031 |  |  | 430,131 |
Total commercial loans |  | 2,053,319 |  |  | 2,055,068 |
Retail Loans: |  |  |  |
Residential real estate |  | 1,752,401 |  |  | 1,700,266 |
Home equity |  | 233,452 |  |  | 234,428 |
Consumer |  | 19,241 |  |  | 20,591 |
Total retail loans |  | 2,005,094 |  |  | 1,955,285 |
Total loans |  | $ | 4,058,413 |  |  | $ | 4,010,353 |
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) |  | September 30, 2023 |  | December 31, 2022
Net unamortized loan origination costs |  | $ | 7,069 |  |  | $ | 6,890 |
Net unamortized fair value mark discount on acquired loans |  | (203) |  |  | (313) |
Total |  | $ | 6,866 |  |  | $ | 6,577 |
Summary of Activity in Allowance for Loan Losses | The following table presents the activity in the ACL on loans for the periods indicated:
|  | Commercial Real Estate |  |  |  |  |  |  |  |  |  |
(In thousands) |  | Non-Owner-Occupied |  | Owner- Occupied |  | Commercial |  | Residential Real Estate |  | Home Equity |  | Consumer |  | Total
At or For The Three Months Ended September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, June 30, 2023 |  | $ | 16,155 |  |  | $ | 2,351 |  |  | $ | 4,795 |  |  | $ | 10,627 |  |  | $ | 2,397 |  |  | $ | 658 |  |  | $ | 36,983 |
Charge-offs |  | — |  |  | (58) |  |  | (255) |  |  | — |  |  | — |  |  | (32) |  |  | (345) |
Recoveries |  | 17 |  |  | — |  |  | 189 |  |  | 5 |  |  | 1 |  |  | 13 |  |  | 225 |
Provision (credit) for loan losses |  | 607 |  |  | (131) |  |  | (247) |  |  | (590) |  |  | (101) |  |  | 6 |  |  | (456) |
Ending balance, September 30, 2023 |  | $ | 16,779 |  |  | $ | 2,162 |  |  | $ | 4,482 |  |  | $ | 10,042 |  |  | $ | 2,297 |  |  | $ | 645 |  |  | $ | 36,407 |
At or For The Nine Months Ended September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, December 31, 2022 |  | $ | 17,296 |  |  | $ | 2,362 |  |  | $ | 5,446 |  |  | $ | 9,089 |  |  | $ | 2,225 |  |  | $ | 504 |  |  | $ | 36,922 |
Charge-offs |  | — |  |  | (58) |  |  | (1,101) |  |  | (18) |  |  | — |  |  | (63) |  |  | (1,240) |
Recoveries |  | 19 |  |  | — |  |  | 352 |  |  | 38 |  |  | 1 |  |  | 27 |  |  | 437 |
(Credit) provision for loan losses |  | (536) |  |  | (142) |  |  | (215) |  |  | 933 |  |  | 71 |  |  | 177 |  |  | 288 |
Ending balance, September 30, 2023 |  | $ | 16,779 |  |  | $ | 2,162 |  |  | $ | 4,482 |  |  | $ | 10,042 |  |  | $ | 2,297 |  |  | $ | 645 |  |  | $ | 36,407 |
At or For The Three Months Ended September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, June 30, 2022 |  | $ | 16,210 |  |  | $ | 2,501 |  |  | $ | 5,146 |  |  | $ | 8,438 |  |  | $ | 1,796 |  |  | $ | 153 |  |  | $ | 34,244 |
Charge-offs |  | — |  |  | — |  |  | (183) |  |  | (49) |  |  | — |  |  | (46) |  |  | (278) |
Recoveries |  | 1 |  |  | — |  |  | 61 |  |  | — |  |  | 1 |  |  | — |  |  | 63 |
Provision for loan losses |  | 922 |  |  | 146 |  |  | 192 |  |  | 696 |  |  | 63 |  |  | 494 |  |  | 2,513 |
Ending balance, September 30, 2022 |  | $ | 17,133 |  |  | $ | 2,647 |  |  | $ | 5,216 |  |  | $ | 9,085 |  |  | $ | 1,860 |  |  | $ | 601 |  |  | $ | 36,542 |
At or For The Nine Months Ended September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, December 31, 2021 |  | $ | 18,834 |  |  | $ | 2,539 |  |  | $ | 4,202 |  |  | $ | 6,133 |  |  | $ | 1,469 |  |  | $ | 79 |  |  | $ | 33,256 |
Charge-offs |  | — |  |  | — |  |  | (744) |  |  | (65) |  |  | — |  |  | (130) |  |  | (939) |
Recoveries |  | 2 |  |  | 2 |  |  | 341 |  |  | — |  |  | 87 |  |  | 5 |  |  | 437 |
(Credit) provision for loan losses |  | (1,703) |  |  | 106 |  |  | 1,417 |  |  | 3,017 |  |  | 304 |  |  | 647 |  |  | 3,788 |
Ending balance, September 30, 2022 |  | $ | 17,133 |  |  | $ | 2,647 |  |  | $ | 5,216 |  |  | $ | 9,085 |  |  | $ | 1,860 |  |  | $ | 601 |  |  | $ | 36,542 |
At or For The Year Ended December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, December 31, 2021 |  | $ | 18,834 |  |  | $ | 2,539 |  |  | $ | 4,202 |  |  | $ | 6,133 |  |  | $ | 1,469 |  |  | $ | 79 |  |  | $ | 33,256 |
Charge-offs |  | — |  |  | — |  |  | (1,042) |  |  | (66) |  |  | — |  |  | (134) |  |  | (1,242) |
Recoveries |  | 3 |  |  | 2 |  |  | 379 |  |  | — |  |  | 87 |  |  | 7 |  |  | 478 |
(Credit) provision for loan losses |  | (1,541) |  |  | (179) |  |  | 1,907 |  |  | 3,022 |  |  | 669 |  |  | 552 |  |  | 4,430 |
Ending balance, December 31, 2022 |  | $ | 17,296 |  |  | $ | 2,362 |  |  | $ | 5,446 |  |  | $ | 9,089 |  |  | $ | 2,225 |  |  | $ | 504 |  |  | $ | 36,922 |
Credit Risk Exposure Indicators by Portfolio Segment | Based on the most recent analysis performed, the risk category of loans by portfolio segment by vintage was as follows as of and for the dates indicated:
(In thousands) |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
As of and for the period ended September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 60,945 |  |  | $ | 356,211 |  |  | $ | 300,251 |  |  | $ | 149,663 |  |  | $ | 118,273 |  |  | $ | 341,183 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,326,526 |
Special mention (Grade 7) |  | 7,997 |  |  | — |  |  | — |  |  | 352 |  |  | 34 |  |  | 3,629 |  |  | — |  |  | — |  |  | 12,012 |
Substandard (Grade 8) |  | — |  |  | 176 |  |  | 116 |  |  | 2,183 |  |  | 115 |  |  | 8,335 |  |  | — |  |  | — |  |  | 10,925 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - non-owner-occupied |  | $ | 68,942 |  |  | $ | 356,387 |  |  | $ | 300,367 |  |  | $ | 152,198 |  |  | $ | 118,422 |  |  | $ | 353,147 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,349,463 |
Gross charge-offs for the nine months ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate - owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 22,527 |  |  | $ | 55,097 |  |  | $ | 77,457 |  |  | $ | 25,120 |  |  | $ | 18,982 |  |  | $ | 95,828 |  |  | $ | — |  |  | $ | — |  |  | $ | 295,011 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 142 |  |  | — |  |  | — |  |  | 142 |
Substandard (Grade 8) |  | — |  |  | — |  |  | 2,179 |  |  | — |  |  | — |  |  | 6,493 |  |  | — |  |  | — |  |  | 8,672 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - owner occupied |  | $ | 22,527 |  |  | $ | 55,097 |  |  | $ | 79,636 |  |  | $ | 25,120 |  |  | $ | 18,982 |  |  | $ | 102,463 |  |  | $ | — |  |  | $ | — |  |  | $ | 303,825 |
Gross charge-offs for the nine months ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 58 |  |  | $ | — |  |  | $ | — |  |  | $ | 58 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 25,211 |  |  | $ | 57,843 |  |  | $ | 59,490 |  |  | $ | 26,000 |  |  | $ | 27,833 |  |  | $ | 40,535 |  |  | $ | 111,723 |  |  | $ | 41,471 |  |  | $ | 390,106 |
Special mention (Grade 7) |  | 47 |  |  | — |  |  | 166 |  |  | 205 |  |  | 1 |  |  | 105 |  |  | 2,181 |  |  | 871 |  |  | 3,576 |
Substandard (Grade 8) |  | 265 |  |  | 427 |  |  | 310 |  |  | 803 |  |  | 294 |  |  | 1,374 |  |  | 1,380 |  |  | 1,496 |  |  | 6,349 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial |  | $ | 25,523 |  |  | $ | 58,270 |  |  | $ | 59,966 |  |  | $ | 27,008 |  |  | $ | 28,128 |  |  | $ | 42,014 |  |  | $ | 115,284 |  |  | $ | 43,838 |  |  | $ | 400,031 |
Gross charge-offs for the nine months ended |  | $ | — |  |  | $ | 68 |  |  | $ | 137 |  |  | $ | 23 |  |  | $ | 20 |  |  | $ | 725 |  |  | $ | 32 |  |  | $ | 96 |  |  | $ | 1,101 |
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 119,925 |  |  | $ | 542,015 |  |  | $ | 552,802 |  |  | $ | 225,028 |  |  | $ | 73,467 |  |  | $ | 234,661 |  |  | $ | 361 |  |  | $ | 391 |  |  | $ | 1,748,650 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard (Grade 8) |  | — |  |  | — |  |  | 968 |  |  | — |  |  | 90 |  |  | 2,693 |  |  | — |  |  | — |  |  | 3,751 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential real estate |  | $ | 119,925 |  |  | $ | 542,015 |  |  | $ | 553,770 |  |  | $ | 225,028 |  |  | $ | 73,557 |  |  | $ | 237,354 |  |  | $ | 361 |  |  | $ | 391 |  |  | $ | 1,752,401 |
Gross charge-offs for the nine months ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 18 |  |  | $ | — |  |  | $ | — |  |  | $ | 18 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 12,311 |  |  | $ | 23,740 |  |  | $ | 553 |  |  | $ | 329 |  |  | $ | 4,197 |  |  | $ | 13,442 |  |  | $ | 165,017 |  |  | $ | 13,230 |  |  | $ | 232,819 |
Non-performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 14 |  |  | 373 |  |  | 246 |  |  | 633 |
Total home equity |  | $ | 12,311 |  |  | $ | 23,740 |  |  | $ | 553 |  |  | $ | 329 |  |  | $ | 4,197 |  |  | $ | 13,456 |  |  | $ | 165,390 |  |  | $ | 13,476 |  |  | $ | 233,452 |
Gross charge-offs for the nine months ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 4,720 |  |  | $ | 5,671 |  |  | $ | 2,393 |  |  | $ | 986 |  |  | $ | 447 |  |  | $ | 2,433 |  |  | $ | 2,550 |  |  | $ | — |  |  | $ | 19,200 |
Non-performing |  | — |  |  | — |  |  | — |  |  | — |  |  | 7 |  |  | 34 |  |  | — |  |  | — |  |  | 41 |
Total consumer |  | $ | 4,720 |  |  | $ | 5,671 |  |  | $ | 2,393 |  |  | $ | 986 |  |  | $ | 454 |  |  | $ | 2,467 |  |  | $ | 2,550 |  |  | $ | — |  |  | $ | 19,241 |
Gross charge-offs for the nine months ended |  | $ | — |  |  | $ | 19 |  |  | $ | 21 |  |  | $ | 10 |  |  | $ | 2 |  |  | $ | 4 |  |  | $ | 7 |  |  | $ | — |  |  | $ | 63 |
(In thousands) |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
As of December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 339,171 |  |  | $ | 287,749 |  |  | $ | 160,621 |  |  | $ | 125,029 |  |  | $ | 108,823 |  |  | $ | 242,024 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,263,417 |
Special mention (Grade 7) |  | — |  |  | 167 |  |  | 364 |  |  | 259 |  |  | 75 |  |  | 321 |  |  | — |  |  | — |  |  | 1,186 |
Substandard (Grade 8) |  | — |  |  | 127 |  |  | 1,306 |  |  | 203 |  |  | 7,798 |  |  | 18,406 |  |  | — |  |  | — |  |  | 27,840 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - non-owner-occupied |  | $ | 339,171 |  |  | $ | 288,043 |  |  | $ | 162,291 |  |  | $ | 125,491 |  |  | $ | 116,696 |  |  | $ | 260,751 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,292,443 |
Commercial real estate - owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 60,127 |  |  | $ | 80,781 |  |  | $ | 28,378 |  |  | $ | 23,381 |  |  | $ | 39,554 |  |  | $ | 70,568 |  |  | $ | — |  |  | $ | — |  |  | $ | 302,789 |
Special mention (Grade 7) |  | — |  |  | 2,053 |  |  | — |  |  | 19,992 |  |  | — |  |  | 411 |  |  | — |  |  | — |  |  | 22,456 |
Substandard (Grade 8) |  | 17 |  |  | — |  |  | — |  |  | — |  |  | 3,266 |  |  | 3,966 |  |  | — |  |  | — |  |  | 7,249 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - owner occupied |  | $ | 60,144 |  |  | $ | 82,834 |  |  | $ | 28,378 |  |  | $ | 43,373 |  |  | $ | 42,820 |  |  | $ | 74,945 |  |  | $ | — |  |  | $ | — |  |  | $ | 332,494 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 73,537 |  |  | $ | 70,110 |  |  | $ | 32,272 |  |  | $ | 33,491 |  |  | $ | 22,271 |  |  | $ | 26,245 |  |  | $ | 135,157 |  |  | $ | 30,191 |  |  | $ | 423,274 |
Special mention (Grade 7) |  | — |  |  | — |  |  | 93 |  |  | 141 |  |  | 70 |  |  | 189 |  |  | 1,196 |  |  | 12 |  |  | 1,701 |
Substandard (Grade 8) |  | 149 |  |  | 52 |  |  | 133 |  |  | 216 |  |  | 846 |  |  | 1,524 |  |  | 50 |  |  | 2,186 |  |  | 5,156 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial |  | $ | 73,686 |  |  | $ | 70,162 |  |  | $ | 32,498 |  |  | $ | 33,848 |  |  | $ | 23,187 |  |  | $ | 27,958 |  |  | $ | 136,403 |  |  | $ | 32,389 |  |  | $ | 430,131 |
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 533,035 |  |  | $ | 579,216 |  |  | $ | 244,691 |  |  | $ | 79,492 |  |  | $ | 50,214 |  |  | $ | 210,262 |  |  | $ | 340 |  |  | $ | — |  |  | $ | 1,697,250 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 23 |  |  | — |  |  | — |  |  | 23 |
Substandard (Grade 8) |  | — |  |  | — |  |  | — |  |  | — |  |  | 163 |  |  | 2,830 |  |  | — |  |  | — |  |  | 2,993 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential real estate |  | $ | 533,035 |  |  | $ | 579,216 |  |  | $ | 244,691 |  |  | $ | 79,492 |  |  | $ | 50,377 |  |  | $ | 213,115 |  |  | $ | 340 |  |  | $ | — |  |  | $ | 1,700,266 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 26,712 |  |  | $ | 693 |  |  | $ | 341 |  |  | $ | 4,842 |  |  | $ | 7,730 |  |  | $ | 8,551 |  |  | $ | 173,338 |  |  | $ | 11,735 |  |  | $ | 233,942 |
Non-performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 27 |  |  | 377 |  |  | 82 |  |  | 486 |
Total home equity |  | $ | 26,712 |  |  | $ | 693 |  |  | $ | 341 |  |  | $ | 4,842 |  |  | $ | 7,730 |  |  | $ | 8,578 |  |  | $ | 173,715 |  |  | $ | 11,817 |  |  | $ | 234,428 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 8,009 |  |  | $ | 3,816 |  |  | $ | 1,702 |  |  | $ | 1,188 |  |  | $ | 345 |  |  | $ | 2,462 |  |  | $ | 3,069 |  |  | $ | — |  |  | $ | 20,591 |
Non-performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer |  | $ | 8,009 |  |  | $ | 3,816 |  |  | $ | 1,702 |  |  | $ | 1,188 |  |  | $ | 345 |  |  | $ | 2,462 |  |  | $ | 3,069 |  |  | $ | — |  |  | $ | 20,591 |
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 |  |
September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  | $ | 45 |  |  | $ | — |  |  | $ | 92 |  |  | $ | 137 |  |  | $ | 1,349,326 |  |  | $ | 1,349,463 |  |  | $ | — |  |  |
Commercial real estate - owner-occupied |  | — |  |  | 142 |  |  | — |  |  | 142 |  |  | 303,683 |  |  | 303,825 |  |  |  |  |
Commercial |  | 1,975 |  |  | 820 |  |  | 515 |  |  | 3,310 |  |  | 396,721 |  |  | 400,031 |  |  | — |  |  |
Residential real estate |  | 507 |  |  | 527 |  |  | 1,024 |  |  | 2,058 |  |  | 1,750,343 |  |  | 1,752,401 |  |  | — |  |  |
Home equity |  | 585 |  |  | 14 |  |  | 281 |  |  | 880 |  |  | 232,572 |  |  | 233,452 |  |  | — |  |  |
Consumer |  | 30 |  |  | 6 |  |  | 7 |  |  | 43 |  |  | 19,198 |  |  | 19,241 |  |  | — |  |  |
Total |  | $ | 3,142 |  |  | $ | 1,509 |  |  | $ | 1,919 |  |  | $ | 6,570 |  |  | $ | 4,051,843 |  |  | $ | 4,058,413 |  |  | $ | — |  |  |
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  | $ | 267 |  |  | $ | — |  |  | $ | 11 |  |  | $ | 278 |  |  | $ | 1,292,165 |  |  | $ | 1,292,443 |  |  | $ | — |  |  |
Commercial real estate - owner-occupied |  | 55 |  |  | — |  |  | 47 |  |  | 102 |  |  | 332,392 |  |  | 332,494 |  |  | — |  |  |
Commercial |  | 667 |  |  | 134 |  |  | 640 |  |  | 1,441 |  |  | 428,690 |  |  | 430,131 |  |  | — |  |  |
Residential real estate |  | 852 |  |  | 186 |  |  | 524 |  |  | 1,562 |  |  | 1,698,704 |  |  | 1,700,266 |  |  | — |  |  |
Home equity |  | 357 |  |  | — |  |  | 171 |  |  | 528 |  |  | 233,900 |  |  | 234,428 |  |  | — |  |  |
Consumer |  | 23 |  |  | 11 |  |  | — |  |  | 34 |  |  | 20,557 |  |  | 20,591 |  |  | — |  |  |
Total |  | $ | 2,221 |  |  | $ | 331 |  |  | $ | 1,393 |  |  | $ | 3,945 |  |  | $ | 4,006,408 |  |  | $ | 4,010,353 |  |  | $ | — |  |  |
Financing Receivable, Nonaccrual | The following table presents the amortized cost basis of loans on non-accrual status (including non-accruing TDRs prior to adoption of ASU 2022-02) by portfolio segment as of the dates indicated:
|  | September 30, 2023 |  | December 31, 2022
(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 |  | $ | 83 |  |  | $ | 9 |  |  | $ | 92 |  |  | $ | — |  |  | $ | 11 |  |  | $ | 11 |
Commercial real estate - owner-occupied |  | — |  |  | — |  |  | — |  |  | — |  |  | 46 |  |  | 46 |
Commercial |  | 978 |  |  | 105 |  |  | 1,083 |  |  | 415 |  |  | 300 |  |  | 715 |
Residential real estate |  | 1,943 |  |  | 832 |  |  | 2,775 |  |  | 1,314 |  |  | 419 |  |  | 1,733 |
Home equity |  | 570 |  |  | 63 |  |  | 633 |  |  | 421 |  |  | 65 |  |  | 486 |
Consumer |  | 41 |  |  | — |  |  | 41 |  |  | — |  |  | — |  |  | — |
Total |  | $ | 3,615 |  |  | $ | 1,009 |  |  | $ | 4,624 |  |  | $ | 2,150 |  |  | $ | 841 |  |  | $ | 2,991 |
The following table presents the amortized cost basis of collateral-dependent non-accrual loans (including non-accruing TDRs prior to adoption of ASU 2022-02) by portfolio segment and collateral type, as of the dates indicated:
|  | September 30, 2023 |  | December 31, 2022
|  | 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 |  | $ | 144 |  |  | $ | — |  |  | $ | 144 |  |  | $ | 387 |  |  | $ | — |  |  | $ | 387 |
Total |  | $ | 144 |  |  | $ | — |  |  | $ | 144 |  |  | $ | 387 |  |  | $ | — |  |  | $ | 387 |
Troubled Debt Restructuring and Specific Reserve Related to TDRs | The following is a summary of TDRs prior to adoption of ASU 2022-02, by portfolio segment, and the associated specific reserve included within the ACL as of December 31, 2022:
(In thousands, except number of contracts) |  | Number of Contracts |  | Recorded Investment |  | Specific Reserve
Commercial real estate - owner-occupied |  | 1 |  |  | $ | 113 |  |  | $ | 50 |
Commercial |  | — |  |  | — |  |  | — |
Residential real estate |  | 18 |  |  | 2,208 |  |  | 307 |
Consumer and home equity |  | 3 |  |  | 245 |  |  | 9 |
Total |  | 22 |  |  | $ | 2,566 |  |  | $ | 366 |
Troubled Debt Restructuring | The following represents loan modifications that qualified as TDRs during the year ended December 31, 2022:
(In thousands, except number of contracts) |  | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Specific Reserve
Home equity: |  |  |  |  |  |  |  |
Maturity concession |  | 1 |  |  | $ | 69 |  |  | $ | 96 |  |  | $ | — |
Total |  | 1 |  |  | $ | 69 |  |  | $ | 96 |  |  | $ | — |

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