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LOANS AND ALLOWANCE FOR CREDIT LOSSES ON LOANS (Tables) | 3 Months Ended
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Mar. 31, 2025
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) |  | March 31, 2025 |  | December 31, 2024
Commercial Loans: |  |  |  |
Commercial real estate - non-owner-occupied |  | $ | 1,685,852 |  |  | $ | 1,387,252 |
Commercial real estate - owner-occupied |  | 381,246 |  |  | 324,712 |
Commercial |  | 487,409 |  |  | 382,785 |
Total commercial loans |  | 2,554,507 |  |  | 2,094,749 |
Retail Loans: |  |  |  |
Residential real estate |  | 2,028,062 |  |  | 1,752,249 |
Home equity |  | 283,491 |  |  | 253,251 |
Consumer |  | 19,026 |  |  | 15,010 |
Total retail loans |  | 2,330,579 |  |  | 2,020,510 |
Total loans |  | $ | 4,885,086 |  |  | $ | 4,115,259 |
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) |  | March 31, 2025 |  | December 31, 2024
Net unamortized loan origination costs |  | $ | 6,587 |  |  | $ | 6,685 |
Net unamortized fair value mark discount on acquired loans |  | (91,974) |  |  | (79) |
Total |  | $ | (85,387) |  |  | $ | 6,606 |
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
As of or for the Three Months Ended March 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, December 31, 2024 |  | $ | 14,897 |  |  | $ | 2,481 |  |  | $ | 5,856 |  |  | $ | 9,979 |  |  | $ | 2,397 |  |  | $ | 118 |  |  | $ | 35,728 |
Charge-offs |  | — |  |  | (191) |  |  | (896) |  |  | (4) |  |  | (3) |  |  | (26) |  |  | (1,120) |
Recoveries |  | 1 |  |  | 51 |  |  | 110 |  |  | 6 |  |  | — |  |  | 3 |  |  | 171 |
Acquired PCD loans(1) |  | 1,659 |  |  | 340 |  |  | 575 |  |  | 305 |  |  | 165 |  |  | 27 |  |  | 3,071 |
Provision for loans losses |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for acquired non-PCD loans |  | 2,335 |  |  | 840 |  |  | 816 |  |  | 1,979 |  |  | 268 |  |  | 55 |  |  | 6,293 |
General provision (credit) for loan losses |  | 60 |  |  | 671 |  |  | (326) |  |  | 1,607 |  |  | 589 |  |  | (21) |  |  | 2,580 |
Total provision for loan losses |  | 2,395 |  |  | 1,511 |  |  | 490 |  |  | 3,586 |  |  | 857 |  |  | 34 |  |  | 8,873 |
Ending balance, March 31, 2025 |  | $ | 18,952 |  |  | $ | 4,192 |  |  | $ | 6,135 |  |  | $ | 13,872 |  |  | $ | 3,416 |  |  | $ | 156 |  |  | $ | 46,723 |
As of or for the Three Months Ended March 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, December 31, 2023 |  | $ | 16,581 |  |  | $ | 2,290 |  |  | $ | 4,869 |  |  | $ | 10,254 |  |  | $ | 2,217 |  |  | $ | 724 |  |  | $ | 36,935 |
Charge-offs |  | — |  |  | — |  |  | (309) |  |  | — |  |  | — |  |  | (36) |  |  | (345) |
Recoveries |  | 7 |  |  | — |  |  | 92 |  |  | 6 |  |  | 80 |  |  | 2 |  |  | 187 |
(Credit) provision for loan losses |  | (1,294) |  |  | (60) |  |  | (192) |  |  | 305 |  |  | 63 |  |  | 14 |  |  | (1,164) |
Ending balance, March 31, 2024 |  | $ | 15,294 |  |  | $ | 2,230 |  |  | $ | 4,460 |  |  | $ | 10,565 |  |  | $ | 2,360 |  |  | $ | 704 |  |  | $ | 35,613 |
As of or for the Year Ended December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, December 31, 2023 |  | $ | 16,581 |  |  | $ | 2,290 |  |  | $ | 4,869 |  |  | $ | 10,254 |  |  | $ | 2,217 |  |  | $ | 724 |  |  | $ | 36,935 |
Charge-offs |  | — |  |  | — |  |  | (1,784) |  |  | — |  |  | (1) |  |  | (98) |  |  | (1,883) |
Recoveries |  | 10 |  |  | — |  |  | 455 |  |  | 26 |  |  | 98 |  |  | 34 |  |  | 623 |
(Credit) provision for loan losses |  | (1,694) |  |  | 191 |  |  | 2,316 |  |  | (301) |  |  | 83 |  |  | (542) |  |  | 53 |
Ending balance, December 31, 2024 |  | $ | 14,897 |  |  | $ | 2,481 |  |  | $ | 5,856 |  |  | $ | 9,979 |  |  | $ | 2,397 |  |  | $ | 118 |  |  | $ | 35,728 |
(1) Upon acquisition of Northway on January 2, 2025, the Company designated certain acquired loans with an unpaid principal balance of $103.0 million as PCD loans. Refer to Note 3 for further discussion of the Company's designation of PCD loans. During the first quarter of 2025, the Company completed its assessment of significant model inputs and assumptions within its discounted cash flow analysis used for estimating its ACL on loans and determined there were no material changes to the methodology. However, the Company did update one significant key assumption during the quarter within the Macroeconomic (loss) driver. As of March, the following loss drivers for each loan segment were used to calculate the expected PD over the forecast and reversion period: (i) commercial real estate – non-owner-occupied used Maine Unemployment and change in National GDP; (ii) commercial real estate – owner-occupied used Maine Unemployment and change in National GDP, (iii) commercial used Maine Unemployment and change in National GDP; (iv) residential real estate used Maine Unemployment and change in Maine House Price Index, (v) home equity used Maine Unemployment and change in Maine House Price Index and (vi) consumer used Maine Unemployment and change in National Retail Sales.
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) |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
As of and for the period ended March 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 20,787 |  |  | $ | 103,372 |  |  | $ | 118,621 |  |  | $ | 396,328 |  |  | $ | 328,044 |  |  | $ | 657,605 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,624,757 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | 466 |  |  | — |  |  | 6,990 |  |  | — |  |  | — |  |  | 7,456 |
Substandard (Grade 8) |  | — |  |  | — |  |  | 194 |  |  | 27,147 |  |  | — |  |  | 26,298 |  |  | — |  |  | — |  |  | 53,639 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - non-owner-occupied |  | $ | 20,787 |  |  | $ | 103,372 |  |  | $ | 118,815 |  |  | $ | 423,941 |  |  | $ | 328,044 |  |  | $ | 690,893 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,685,852 |
Gross charge-offs for the three months ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate - owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 3,106 |  |  | $ | 54,050 |  |  | $ | 35,931 |  |  | $ | 54,369 |  |  | $ | 85,747 |  |  | $ | 128,002 |  |  | $ | — |  |  | $ | — |  |  | $ | 361,205 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | — |  |  | 11 |  |  | 378 |  |  | — |  |  | — |  |  | 389 |
Substandard (Grade 8) |  | — |  |  | 200 |  |  | 1,043 |  |  | 3,630 |  |  | 1,973 |  |  | 12,806 |  |  | — |  |  | — |  |  | 19,652 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - owner occupied |  | $ | 3,106 |  |  | $ | 54,250 |  |  | $ | 36,974 |  |  | $ | 57,999 |  |  | $ | 87,731 |  |  | $ | 141,186 |  |  | $ | — |  |  | $ | — |  |  | $ | 381,246 |
Gross charge-offs for the three months ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 185 |  |  | $ | — |  |  | $ | 6 |  |  | $ | — |  |  | $ | — |  |  | $ | 191 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 40,116 |  |  | $ | 86,887 |  |  | $ | 29,056 |  |  | $ | 51,723 |  |  | $ | 26,092 |  |  | $ | 64,567 |  |  | $ | 140,153 |  |  | $ | 39,924 |  |  | $ | 478,518 |
Special mention (Grade 7) |  | — |  |  | 520 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 397 |  |  | — |  |  | 917 |
Substandard (Grade 8) |  | — |  |  | 121 |  |  | 545 |  |  | 1,982 |  |  | 285 |  |  | 1,203 |  |  | 2,080 |  |  | 1,758 |  |  | 7,974 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial |  | $ | 40,116 |  |  | $ | 87,528 |  |  | $ | 29,601 |  |  | $ | 53,705 |  |  | $ | 26,377 |  |  | $ | 65,770 |  |  | $ | 142,630 |  |  | $ | 41,682 |  |  | $ | 487,409 |
Gross charge-offs for the three months ended |  | $ | — |  |  | $ | — |  |  | $ | 462 |  |  | $ | 68 |  |  | $ | — |  |  | $ | 307 |  |  | $ | 49 |  |  | $ | 10 |  |  | $ | 896 |
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 35,964 |  |  | $ | 149,164 |  |  | $ | 164,547 |  |  | $ | 581,766 |  |  | $ | 575,651 |  |  | $ | 514,071 |  |  | $ | 416 |  |  | $ | 1,167 |  |  | $ | 2,022,746 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard (Grade 8) |  | — |  |  | — |  |  | — |  |  | 1,119 |  |  | 950 |  |  | 3,247 |  |  | — |  |  | — |  |  | 5,316 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential real estate |  | $ | 35,964 |  |  | $ | 149,164 |  |  | $ | 164,547 |  |  | $ | 582,885 |  |  | $ | 576,601 |  |  | $ | 517,318 |  |  | $ | 416 |  |  | $ | 1,167 |  |  | $ | 2,028,062 |
Gross charge-offs for the three months ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 4 |  |  | $ | — |  |  | $ | — |  |  | $ | 4 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 581 |  |  | $ | 4,825 |  |  | $ | 15,772 |  |  | $ | 20,891 |  |  | $ | 611 |  |  | $ | 13,963 |  |  | $ | 209,326 |  |  | $ | 16,383 |  |  | $ | 282,352 |
Non-performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 40 |  |  | 734 |  |  | 165 |  |  | 939 |
Total home equity |  | $ | 581 |  |  | $ | 4,825 |  |  | $ | 15,772 |  |  | $ | 20,891 |  |  | $ | 611 |  |  | $ | 14,003 |  |  | $ | 210,060 |  |  | $ | 16,548 |  |  | $ | 283,291 |
Gross charge-offs for the three months ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3 |  |  | $ | 3 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 3,166 |  |  | $ | 4,184 |  |  | $ | 5,061 |  |  | $ | 3,124 |  |  | $ | 924 |  |  | $ | 952 |  |  | $ | 1,608 |  |  | $ | — |  |  | $ | 19,019 |
Non-performing |  | — |  |  | — |  |  | 5 |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | 7 |
Total consumer |  | $ | 3,166 |  |  | $ | 4,184 |  |  | $ | 5,066 |  |  | $ | 3,124 |  |  | $ | 924 |  |  | $ | 954 |  |  | $ | 1,608 |  |  | $ | — |  |  | $ | 19,026 |
Gross charge-offs for the three months ended |  | $ | — |  |  | $ | — |  |  | $ | 18 |  |  | $ | 6 |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | — |  |  | $ | 26 |
(In thousands) |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
As of and for the year ended December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 91,377 |  |  | $ | 107,607 |  |  | $ | 324,743 |  |  | $ | 285,862 |  |  | $ | 140,686 |  |  | $ | 390,527 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,340,802 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | — |  |  | 342 |  |  | 225 |  |  | — |  |  | — |  |  | 567 |
Substandard (Grade 8) |  | — |  |  | 195 |  |  | 25,252 |  |  | — |  |  | — |  |  | 20,436 |  |  | — |  |  | — |  |  | 45,883 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - non-owner-occupied |  | $ | 91,377 |  |  | $ | 107,802 |  |  | $ | 349,995 |  |  | $ | 285,862 |  |  | $ | 141,028 |  |  | $ | 411,188 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,387,252 |
Gross charge-offs for the year ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate - owner-occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 53,436 |  |  | $ | 31,141 |  |  | $ | 48,633 |  |  | $ | 71,629 |  |  | $ | 19,582 |  |  | $ | 89,092 |  |  | $ | — |  |  | $ | — |  |  | $ | 313,513 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | 1,900 |  |  | — |  |  | 304 |  |  | — |  |  | — |  |  | 2,204 |
Substandard (Grade 8) |  | — |  |  | 540 |  |  | 822 |  |  | 191 |  |  | — |  |  | 7,442 |  |  | — |  |  | — |  |  | 8,995 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate - owner-occupied |  | $ | 53,436 |  |  | $ | 31,681 |  |  | $ | 49,455 |  |  | $ | 73,720 |  |  | $ | 19,582 |  |  | $ | 96,838 |  |  | $ | — |  |  | $ | — |  |  | $ | 324,712 |
Gross charge-offs for the year ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 81,815 |  |  | $ | 26,918 |  |  | $ | 44,283 |  |  | $ | 30,134 |  |  | $ | 16,644 |  |  | $ | 23,014 |  |  | $ | 115,795 |  |  | $ | 37,211 |  |  | $ | 375,814 |
Special mention (Grade 7) |  | 534 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 282 |  |  | — |  |  | 816 |
Substandard (Grade 8) |  | — |  |  | 1,030 |  |  | 706 |  |  | 159 |  |  | 125 |  |  | 1,175 |  |  | 984 |  |  | 1,976 |  |  | 6,155 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial |  | $ | 82,349 |  |  | $ | 27,948 |  |  | $ | 44,989 |  |  | $ | 30,293 |  |  | $ | 16,769 |  |  | $ | 24,189 |  |  | $ | 117,061 |  |  | $ | 39,187 |  |  | $ | 382,785 |
Gross charge-offs for the year ended |  | $ | — |  |  | $ | 146 |  |  | $ | 47 |  |  | $ | 54 |  |  | $ | 89 |  |  | $ | 1,017 |  |  | $ | 357 |  |  | $ | 74 |  |  | $ | 1,784 |
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 133,856 |  |  | $ | 151,020 |  |  | $ | 500,756 |  |  | $ | 502,285 |  |  | $ | 204,756 |  |  | $ | 255,104 |  |  | $ | 406 |  |  | $ | 1,175 |  |  | $ | 1,749,358 |
Special mention (Grade 7) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard (Grade 8) |  | — |  |  | — |  |  | — |  |  | 778 |  |  | — |  |  | 2,113 |  |  | — |  |  | — |  |  | 2,891 |
Doubtful (Grade 9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential real estate |  | $ | 133,856 |  |  | $ | 151,020 |  |  | $ | 500,756 |  |  | $ | 503,063 |  |  | $ | 204,756 |  |  | $ | 257,217 |  |  | $ | 406 |  |  | $ | 1,175 |  |  | $ | 1,752,249 |
Gross charge-offs for the year ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 3,708 |  |  | $ | 13,961 |  |  | $ | 20,003 |  |  | $ | 439 |  |  | $ | 302 |  |  | $ | 13,378 |  |  | $ | 185,581 |  |  | $ | 15,448 |  |  | $ | 252,820 |
Non-performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 264 |  |  | 159 |  |  | 423 |
Total home equity |  | $ | 3,708 |  |  | $ | 13,961 |  |  | $ | 20,003 |  |  | $ | 439 |  |  | $ | 302 |  |  | $ | 13,378 |  |  | $ | 185,845 |  |  | $ | 15,607 |  |  | $ | 253,243 |
Gross charge-offs for the year ended |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | 1 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 4,307 |  |  | $ | 3,188 |  |  | $ | 2,784 |  |  | $ | 1,080 |  |  | $ | 380 |  |  | $ | 2,102 |  |  | $ | 1,151 |  |  | $ | — |  |  | $ | 14,992 |
Non-performing |  | — |  |  | — |  |  | 15 |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | — |  |  | 18 |
Total consumer |  | $ | 4,307 |  |  | $ | 3,188 |  |  | $ | 2,799 |  |  | $ | 1,080 |  |  | $ | 380 |  |  | $ | 2,105 |  |  | $ | 1,151 |  |  | $ | — |  |  | $ | 15,010 |
Gross charge-offs for the year ended |  | $ | — |  |  | $ | 47 |  |  | $ | 18 |  |  | $ | 14 |  |  | $ | 5 |  |  | $ | — |  |  | $ | 14 |  |  | $ | — |  |  | $ | 98 |
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 |  |
March 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  | $ | 29 |  |  | $ | — |  |  | $ | 129 |  |  | $ | 158 |  |  | $ | 1,685,694 |  |  | $ | 1,685,852 |  |  | $ | — |  |  |
Commercial real estate - owner-occupied |  | 313 |  |  | 38 |  |  | 130 |  |  | 481 |  |  | 380,765 |  |  | 381,246 |  |  |  |  |
Commercial |  | 331 |  |  | 927 |  |  | 696 |  |  | 1,954 |  |  | 485,455 |  |  | 487,409 |  |  | — |  |  |
Residential real estate |  | 1,640 |  |  | 798 |  |  | 1,202 |  |  | 3,640 |  |  | 2,024,422 |  |  | 2,028,062 |  |  | — |  |  |
Home equity |  | 204 |  |  | 177 |  |  | 332 |  |  | 713 |  |  | 282,778 |  |  | 283,491 |  |  | — |  |  |
Consumer |  | 81 |  |  | 58 |  |  | 2 |  |  | 141 |  |  | 18,885 |  |  | 19,026 |  |  | — |  |  |
Total |  | $ | 2,598 |  |  | $ | 1,998 |  |  | $ | 2,491 |  |  | $ | 7,087 |  |  | $ | 4,877,999 |  |  | $ | 4,885,086 |  |  | $ | — |  |  |
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate - non-owner-occupied |  | $ | 59 |  |  | $ | — |  |  | $ | 130 |  |  | $ | 189 |  |  | $ | 1,387,063 |  |  | $ | 1,387,252 |  |  | $ | — |  |  |
Commercial real estate - owner-occupied |  | 85 |  |  | 545 |  |  | 430 |  |  | 1,060 |  |  | 323,652 |  |  | 324,712 |  |  | — |  |  |
Commercial |  | 373 |  |  | 265 |  |  | 1,548 |  |  | 2,186 |  |  | 380,599 |  |  | 382,785 |  |  | — |  |  |
Residential real estate |  | 333 |  |  | 333 |  |  | 974 |  |  | 1,640 |  |  | 1,750,609 |  |  | 1,752,249 |  |  | — |  |  |
Home equity |  | 428 |  |  | 141 |  |  | 125 |  |  | 694 |  |  | 252,557 |  |  | 253,251 |  |  | — |  |  |
Consumer |  | 55 |  |  | 13 |  |  | 18 |  |  | 86 |  |  | 14,924 |  |  | 15,010 |  |  | — |  |  |
Total |  | $ | 1,333 |  |  | $ | 1,297 |  |  | $ | 3,225 |  |  | $ | 5,855 |  |  | $ | 4,109,404 |  |  | $ | 4,115,259 |  |  | $ | — |  |  |
Financing Receivable, Nonaccrual | The following table presents the amortized cost basis of loans on non-accrual status by portfolio segment as of the dates indicated:
|  | March 31, 2025 |  | December 31, 2024
(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 |  | $ | 128 |  |  | $ | — |  |  | $ | 128 |  |  | $ | 129 |  |  | $ | — |  |  | $ | 129 |
Commercial real estate - owner-occupied |  | 143 |  |  | — |  |  | 143 |  |  | 430 |  |  | — |  |  | 430 |
Commercial |  | 1,803 |  |  | — |  |  | 1,803 |  |  | 1,927 |  |  | — |  |  | 1,927 |
Residential real estate |  | 4,322 |  |  | — |  |  | 4,322 |  |  | 1,891 |  |  | — |  |  | 1,891 |
Home equity |  | 848 |  |  | — |  |  | 848 |  |  | 434 |  |  | — |  |  | 434 |
Consumer |  | 7 |  |  | — |  |  | 7 |  |  | 18 |  |  | — |  |  | 18 |
Total |  | $ | 7,251 |  |  | $ | — |  |  | $ | 7,251 |  |  | $ | 4,829 |  |  | $ | — |  |  | $ | 4,829 |
Interest income that would have been recognized if loans on non-accrual status had been current in accordance with their original terms is estimated to have been $73,000 and $43,000 for the three months ended March 31, 2025 and 2024, respectively. The Company's policy is to reverse previously recorded accrued interest income when a loan is placed on non-accrual, as such, the Company did not record any interest income on its non-accrual loans for the three months ended March 31, 2025 and 2024. Collateral-dependent loans are loans for which repayment is expected to be provided substantially by the underlying collateral and there are no other available and reliable sources of repayment. The following table presents the amortized cost basis of collateral-dependent loans by portfolio segment and collateral type, as of the dates indicated:
|  | March 31, 2025 |  | December 31, 2024
|  | Collateral Type |  | Total Collateral -Dependent Loans |  | Collateral Type |  | Total Collateral -Dependent Loans
(In thousands) |  | Real Estate |  |  | Other Assets |  |  | Real Estate |  |  | Other Assets |
Commercial real estate - non-owner occupied |  | $ | 4,434 |  |  |  | $ | — |  |  | $ | 4,434 |  |  | $ | 4,448 |  |  |  | $ | — |  |  | $ | 4,448 |
Commercial |  | — |  |  |  | — |  |  | — |  |  | — |  |  |  | 669 |  |  | — |
Total |  | $ | 4,434 |  |  |  | $ | — |  |  | $ | 4,434 |  |  | $ | 4,448 |  |  |  | $ | 669 |  |  | $ | 4,448 |

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