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Loans and Allowance for Credit Losses on Loans (Tables) | 12 Months Ended
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Dec. 31, 2023
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) |  | 2023 |  | 2022
Commercial Loans: |  |  |  |
Commercial real estate - non-owner-occupied |  | $ | 1,370,446 |  |  | $ | 1,292,443 |
Commercial real estate - owner-occupied |  | 301,860 |  |  | 332,494 |
Commercial |  | 403,901 |  |  | 430,131 |
Total commercial loans |  | 2,076,207 |  |  | 2,055,068 |
Retail Loans: |  |  |  |
Residential real estate |  | 1,763,378 |  |  | 1,700,266 |
Home equity |  | 240,341 |  |  | 234,428 |
Consumer |  | 18,168 |  |  | 20,591 |
Total retail loans |  | 2,021,887 |  |  | 1,955,285 |
Total loans |  | $ | 4,098,094 |  |  | $ | 4,010,353 |
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) |  | 2023 |  | 2022
Net unamortized fair value mark discount on acquired loans |  | $ | (168) |  |  | $ | (313) |
Net unamortized loan origination costs |  | 7,113 |  |  | 6,890 |
Total |  | $ | 6,945 |  |  | $ | 6,577 |
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 |  |  | Residential Real Estate |  | Home Equity |  | Consumer |  | Total
At or For the Year Ended December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, December 31, 2022 |  | $ | 17,296 |  |  | $ | 2,362 |  |  | $ | 5,446 |  |  |  | $ | 9,089 |  |  | $ | 2,225 |  |  | $ | 504 |  |  | $ | 36,922 |
Loans charged-off |  | — |  |  | (58) |  |  | (1,560) |  |  |  | (18) |  |  | — |  |  | (91) |  |  | (1,727) |
Recoveries |  | 19 |  |  | — |  |  | 471 |  |  |  | 44 |  |  | 1 |  |  | 31 |  |  | 566 |
(Credit) provision for loan losses |  | (734) |  |  | (14) |  |  | 512 |  |  |  | 1,139 |  |  | (9) |  |  | 280 |  |  | 1,174 |
Ending balance, December 31, 2023 |  | $ | 16,581 |  |  | $ | 2,290 |  |  | $ | 4,869 |  |  |  | $ | 10,254 |  |  | $ | 2,217 |  |  | $ | 724 |  |  | $ | 36,935 |
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 |
Loans charged-off |  | — |  |  | — |  |  | (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, reported under the CECL methodology, was as follows as of the periods indicated:
(In thousands) |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
As of December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 103,012 |  |  | $ | 364,777 |  |  | $ | 296,152 |  |  | $ | 146,707 |  |  | $ | 116,777 |  |  | $ | 320,101 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,347,526 |
Special mention (Grade 7) |  | 7,997 |  |  | — |  |  | — |  |  | 350 |  |  | 33 |  |  | 3,597 |  |  | — |  |  | — |  |  | 11,977 |
Substandard (Grade 8) |  | 747 |  |  | 450 |  |  | — |  |  | 2,287 |  |  | 114 |  |  | 7,345 |  |  | — |  |  | — |  |  | 10,943 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - non-owner-occupied |  | $ | 111,756 |  |  | $ | 365,227 |  |  | $ | 296,152 |  |  | $ | 149,344 |  |  | $ | 116,924 |  |  | $ | 331,043 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,370,446 |
Gross charge-offs for the year ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate - owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 26,902 |  |  | $ | 53,550 |  |  | $ | 76,575 |  |  | $ | 24,608 |  |  | $ | 18,728 |  |  | $ | 89,133 |  |  | $ | — |  |  | $ | — |  |  | $ | 289,496 |
Special mention (Grade 7) |  | — |  |  | — |  |  | 2,355 |  |  | — |  |  | — |  |  | 141 |  |  | — |  |  | — |  |  | 2,496 |
Substandard (Grade 8) |  | — |  |  | 402 |  |  | 320 |  |  | — |  |  | — |  |  | 9,146 |  |  | — |  |  | — |  |  | 9,868 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - owner-occupied |  | $ | 26,902 |  |  | $ | 53,952 |  |  | $ | 79,250 |  |  | $ | 24,608 |  |  | $ | 18,728 |  |  | $ | 98,420 |  |  | $ | — |  |  | $ | — |  |  | $ | 301,860 |
Gross charge-offs for the year ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 58 |  |  | $ | — |  |  | $ | — |  |  | $ | 58 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 41,871 |  |  | $ | 54,323 |  |  | $ | 56,102 |  |  | $ | 24,338 |  |  | $ | 25,620 |  |  | $ | 35,442 |  |  | $ | 119,119 |  |  | $ | 36,895 |  |  | $ | 393,710 |
Special mention (Grade 7) |  | 45 |  |  | — |  |  | 152 |  |  | 195 |  |  | — |  |  | 101 |  |  | 660 |  |  | 5 |  |  | 1,158 |
Substandard (Grade 8) |  | 248 |  |  | 588 |  |  | 296 |  |  | 769 |  |  | 955 |  |  | 1,354 |  |  | 2,415 |  |  | 2,408 |  |  | 9,033 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial |  | $ | 42,164 |  |  | $ | 54,911 |  |  | $ | 56,550 |  |  | $ | 25,302 |  |  | $ | 26,575 |  |  | $ | 36,897 |  |  | $ | 122,194 |  |  | $ | 39,308 |  |  | $ | 403,901 |
Gross charge-offs for the year ended |  | $ | — |  |  | $ | 68 |  |  | $ | 137 |  |  | $ | 31 |  |  | $ | 20 |  |  | $ | 1,075 |  |  | $ | 82 |  |  | $ | 147 |  |  | $ | 1,560 |
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 160,315 |  |  | $ | 539,835 |  |  | $ | 540,980 |  |  | $ | 220,943 |  |  | $ | 70,917 |  |  | $ | 226,126 |  |  | $ | 370 |  |  | $ | 386 |  |  | $ | 1,759,872 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard (Grade 8) |  | — |  |  | — |  |  | 963 |  |  | — |  |  | 89 |  |  | 2,454 |  |  | — |  |  | — |  |  | 3,506 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential real estate |  | $ | 160,315 |  |  | $ | 539,835 |  |  | $ | 541,943 |  |  | $ | 220,943 |  |  | $ | 71,006 |  |  | $ | 228,580 |  |  | $ | 370 |  |  | $ | 386 |  |  | $ | 1,763,378 |
Gross charge-offs for the year ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 18 |  |  | $ | — |  |  | $ | — |  |  | $ | 18 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 15,976 |  |  | $ | 23,104 |  |  | $ | 547 |  |  | $ | 324 |  |  | $ | 4,124 |  |  | $ | 12,686 |  |  | $ | 169,416 |  |  | $ | 13,405 |  |  | $ | 239,582 |
Non-performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11 |  |  | 527 |  |  | 221 |  |  | 759 |
Total home equity |  | $ | 15,976 |  |  | $ | 23,104 |  |  | $ | 547 |  |  | $ | 324 |  |  | $ | 4,124 |  |  | $ | 12,697 |  |  | $ | 169,943 |  |  | $ | 13,626 |  |  | $ | 240,341 |
Gross charge-offs for the year ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 5,525 |  |  | $ | 4,908 |  |  | $ | 2,068 |  |  | $ | 815 |  |  | $ | 345 |  |  | $ | 2,279 |  |  | $ | 2,191 |  |  | $ | — |  |  | $ | 18,131 |
Non-performing |  | — |  |  | — |  |  | 5 |  |  | — |  |  | — |  |  | 32 |  |  | — |  |  | — |  |  | 37 |
Total consumer |  | $ | 5,525 |  |  | $ | 4,908 |  |  | $ | 2,073 |  |  | $ | 815 |  |  | $ | 345 |  |  | $ | 2,311 |  |  | $ | 2,191 |  |  | $ | — |  |  | $ | 18,168 |
Gross charge-offs for the year ended |  | $ | 2 |  |  | $ | 19 |  |  | $ | 31 |  |  | $ | 14 |  |  | $ | 8 |  |  | $ | 4 |  |  | $ | 13 |  |  | $ | — |  |  | $ | 91 |
(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 (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, 2023: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  | $ | 44 |  |  | $ | 41 |  |  | $ | 184 |  |  | $ | 269 |  |  | $ | 1,370,177 |  |  | $ | 1,370,446 |  |  | $ | — |  |  |
Commercial real estate - owner-occupied |  | 655 |  |  | — |  |  | — |  |  | 655 |  |  | 301,205 |  |  | 301,860 |  |  | — |  |  |
Commercial |  | 1,153 |  |  | 1,199 |  |  | 1,155 |  |  | 3,507 |  |  | 400,394 |  |  | 403,901 |  |  | — |  |  |
Residential real estate |  | 1,317 |  |  | 322 |  |  | 1,094 |  |  | 2,733 |  |  | 1,760,645 |  |  | 1,763,378 |  |  | — |  |  |
Home equity |  | 521 |  |  | 451 |  |  | 301 |  |  | 1,273 |  |  | 239,068 |  |  | 240,341 |  |  | — |  |  |
Consumer |  | 85 |  |  | 8 |  |  | 5 |  |  | 98 |  |  | 18,070 |  |  | 18,168 |  |  | — |  |  |
Total |  | $ | 3,775 |  |  | $ | 2,021 |  |  | $ | 2,739 |  |  | $ | 8,535 |  |  | $ | 4,089,559 |  |  | $ | 4,098,094 |  |  | $ | — |  |  |
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) by portfolio segment as of the dates indicated:
|  | December 31,
|  | 2023 |  | 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 |  | $ | 261 |  |  | $ | — |  |  | $ | 261 |  |  | $ | — |  |  | $ | 11 |  |  | $ | 11 |
Commercial real estate - owner-occupied |  | 125 |  |  | — |  |  | 125 |  |  | — |  |  | 46 |  |  | 46 |
Commercial |  | 1,725 |  |  | — |  |  | 1,725 |  |  | 415 |  |  | 300 |  |  | 715 |
Residential real estate |  | 2,541 |  |  | — |  |  | 2,541 |  |  | 1,314 |  |  | 419 |  |  | 1,733 |
Home equity |  | 759 |  |  | — |  |  | 759 |  |  | 421 |  |  | 65 |  |  | 486 |
Consumer |  | 37 |  |  | — |  |  | 37 |  |  | — |  |  | — |  |  | — |
Total |  | $ | 5,448 |  |  | $ | — |  |  | $ | 5,448 |  |  | $ | 2,150 |  |  | $ | 841 |  |  | $ | 2,991 |
The following table presents the amortized cost basis of collateral-dependent loans by portfolio segment and collateral type, as of the dates indicated:
|  | December 31, 2023 |  | December 31, 2022
|  | Collateral Type |  | Total Collateral -Dependent Non-Accrual Loans |  | Collateral Type |  | Total Collateral -Dependent Non-Accrual Loans
(In thousands) |  | Real Estate |  |  | Real Estate |
Commercial real estate - non-owner-occupied |  | $ | 4,494 |  |  | $ | 4,494 |  |  | $ | — |  |  | $ | — |
Commercial |  | 671 |  |  | 671 |  |  | — |  |  | — |
Residential real estate |  | — |  |  | — |  |  | 387 |  |  | 387 |
Total |  | $ | 5,165 |  |  | $ | 5,165 |  |  | $ | 387 |  |  | $ | 387 |
Summary of All Troubled Debt Restructuring Loans (Accruing and Non Accruing) by Portfolio Segment | The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable as of December 31, 2023, is also presented below:
(In thousands) |  | Principal Forgiveness |  | Payment Delay |  | Term Extension |  | Interest Rate Reduction |  | Combination Term Extension and Principal Forgiveness |  | Combination Term Extension and Interest Rate Reduction |  | Total % of Portfolio
Commercial real estate - non-owner-occupied |  | $ | — |  |  | $ | — |  |  | $ | 4,494 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 0.3 | %
Total |  | $ | — |  |  | $ | — |  |  | $ | 4,494 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 0.1 | %
The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the year ended December 31, 2023:
(In thousands) |  | Principal Forgiveness |  | Weighted Average Interest Rate Reduction |  | Weighted Average Term Extension (Years)
Commercial real estate - non-owner-occupied |  | $ | — |  |  | — | % |  | 1.3

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