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LOANS AND ALLOWANCE FOR CREDIT LOSSES ON LOANS (Tables)
 9 Months Ended
Sep. 30, 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)September 30,
2025		December 31,
2024
Commercial Loans:
Commercial real estate - non-owner-occupied$1,771,804 $1,387,252 
Commercial real estate - owner-occupied401,944 324,712 
Commercial479,461 382,785 
Total commercial loans2,653,209 2,094,749 
Retail Loans:
Residential real estate2,017,675 1,752,249 
Home equity313,951 253,251 
Consumer18,092 15,010 
Total retail loans2,349,718 2,020,510 
Total loans$5,002,927 $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)September 30,
2025		December 31,
2024
Net unamortized loan origination costs$6,775 $6,685 
Net unamortized fair value mark discount on acquired loans(84,289)(79)
Total$(77,514)$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-OccupiedOwner- OccupiedCommercialResidential Real EstateHome EquityConsumerTotal
As of or for the Three Months Ended
  September 30, 2025
Beginning balance, June 30, 2025
$19,398 $4,314 $12,075 $13,509 $3,565 $161 $53,022 
Charge-offs(27)— (11,075)— (18)(50)(11,170)
Recoveries— 8 87 8 1 5 109 
(Credit) provision for loan losses
(643)(76)4,685 (673)214 33 3,540 
Ending balance, September 30, 2025
$18,728 $4,246 $5,772 $12,844 $3,762 $149 $45,501 
As of or for the Nine Months Ended
  September 30, 2025
Beginning balance, December 31, 2024
$14,897 $2,481 $5,856 $9,979 $2,397 $118 $35,728 
Charge-offs(27)(191)(12,320)(4)(22)(151)(12,715)
Recoveries2 59 317 19 1 10 408 
Acquired PCD loans (Note 3)
1,659 340 575 305 165 27 3,071 
Provision for loans losses:
Provision for acquired non-PCD loans (Note 3)
2,335 840 816 1,979 268 55 6,293 
General provision for loan losses
(138)717 10,528 566 953 90 12,716 
Total provision for loan losses2,197 1,557 11,344 2,545 1,221 145 19,009 
Ending balance, September 30, 2025
$18,728 $4,246 $5,772 $12,844 $3,762 $149 $45,501 
As of or for the Three Months Ended
  September 30, 2024
Beginning balance, June 30, 2024
$15,268 $2,166 $5,407 $9,571 $2,311 $689 $35,412 
Charge-offs— — (394)— (1)(27)(422)
Recoveries1 — 108 6 5 21 141 
Provision (credit) for loan losses
552 161 (320)(136)(27)53 283 
Ending balance, September 30, 2024
$15,821 $2,327 $4,801 $9,441 $2,288 $736 $35,414 
As of or for the Nine Months Ended
  September 30, 2024
Beginning balance, December 31, 2023$16,581 $2,290 $4,869 $10,254 $2,217 $724 $36,935 
Charge-offs— — (1,157)— (1)(82)(1,240)
Recoveries9 — 270 19 86 28 412 
(Credit) provision for loan losses(769)37 819 (832)(14)66 (693)
Ending balance, September 30, 2024
$15,821 $2,327 $4,801 $9,441 $2,288 $736 $35,414 
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)
Recoveries10 — 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 
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)20252024202320222021PriorRevolving Loans
Amortized Cost Basis		Revolving Loans
Converted to Term		Total
As of and for the period ended September 30, 2025
Commercial real estate - non-owner-occupied      
Risk rating
Pass (Grades 1-6)$120,165 $139,305 $109,802 $367,104 $306,419 $631,078 $— $— $1,673,873 
Special mention (Grade 7)— — 2,939 21,932 8,406 3,386 — — 36,663 
Substandard (Grade 8)— — 192 28,425 4,725 27,926 — — 61,268 
Doubtful (Grade 9)— — — — — — — — — 
Total commercial real estate - non-owner-occupied$120,165 $139,305 $112,933 $417,461 $319,550 $662,390 $— $— $1,771,804 
Gross charge-offs for the nine months ended
$— $— $— $— $— $27 $— $— $27 
Commercial real estate - owner-occupied      
Risk rating
Pass (Grades 1-6)$42,813 $54,006 $34,594 $46,578 $83,698 $118,389 $— $— $380,078 
Special mention (Grade 7)— — 1,924 808 8 368 — — 3,108 
Substandard (Grade 8)— 198 — 6,684 1,746 10,130 — — 18,758 
Doubtful (Grade 9)— — — — — — — — — 
Total commercial real estate - owner occupied$42,813 $54,204 $36,518 $54,070 $85,452 $128,887 $— $— $401,944 
Gross charge-offs for the nine months ended
$— $— $— $185 $— $6 $— $— $191 
Commercial
      
Risk rating
Pass (Grades 1-6)$73,674 $85,544 $25,565 $47,195 $20,966 $62,068 $124,823 $29,907 $469,742 
Special mention (Grade 7)— 502 — — — — 476 — 978 
Substandard (Grade 8)153 117 517 969 283 596 1,563 4,543 8,741 
Doubtful (Grade 9)— — — — — — — — — 
Total commercial$73,827 $86,163 $26,082 $48,164 $21,249 $62,664 $126,862 $34,450 $479,461 
Gross charge-offs for the nine months ended
$69 $2,536 $498 $76 $5 $795 $6,703 $1,638 $12,320 
Residential Real Estate      
Risk rating
Pass (Grades 1-6)$128,839 $134,735 $142,446 $557,378 $555,288 $492,513 $437 $1,682 $2,013,318 
Special mention (Grade 7)— — — — — — — — — 
Substandard (Grade 8)— — — 1,181 1,168 2,008 — — 4,357 
Doubtful (Grade 9)— — — — — — — — — 
Total residential real estate$128,839 $134,735 $142,446 $558,559 $556,456 $494,521 $437 $1,682 $2,017,675 
Gross charge-offs for the nine months ended
$— $— $— $— $— $4 $— $— $4 
Home equity
      
Risk rating
Performing$2,138 $4,351 $14,847 $19,605 $525 $12,183 $242,142 $17,465 $313,256 
Non-performing— — — — — 34 436 225 695 
Total home equity
$2,138 $4,351 $14,847 $19,605 $525 $12,217 $242,578 $17,690 $313,951 
Gross charge-offs for the nine months ended
$— $— $— $— $— $— $19 $3 $22 
Consumer
      
Risk rating
Performing$3,574 $3,146 $3,673 $2,160 $560 $2,169 $2,805 $— $18,087 
Non-performing— — 3 — — 2 — — 5 
Total consumer
$3,574 $3,146 $3,676 $2,160 $560 $2,171 $2,805 $— $18,092 
Gross charge-offs for the nine months ended
$— $28 $41 $6 $1 $55 $20 $— $151 
(In thousands)
2024
2023202220212020PriorRevolving 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— — — — — 8 264 159 431 
Total home equity$3,708 $13,961 $20,003 $439 $302 $13,386 $185,845 $15,607 $253,251 
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		CurrentTotal Loans
Outstanding		Loans > 90
Days Past
Due and
Accruing
September 30, 2025       
Commercial real estate - non-owner-occupied$4,289 $163 $4 $4,456 $1,767,348 $1,771,804 $— 
Commercial real estate - owner-occupied561 — — 561 401,383 401,944 
Commercial1,643 655 2,729 5,027 474,434 479,461 — 
Residential real estate654 534 1,634 2,822 2,014,853 2,017,675 — 
Home equity285 370 431 1,086 312,865 313,951 — 
Consumer21 15 — 36 18,056 18,092 — 
Total$7,453 $1,737 $4,798 $13,988 $4,988,939 $5,002,927 $— 
December 31, 2024       
Commercial real estate - non-owner-occupied$59 $— $130 $189 $1,387,063 $1,387,252 $— 
Commercial real estate - owner-occupied85 545 430 1,060 323,652 324,712 — 
Commercial373 265 1,548 2,186 380,599 382,785 — 
Residential real estate333 333 974 1,640 1,750,609 1,752,249 — 
Home equity428 141 125 694 252,557 253,251 — 
Consumer55 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:
September 30
2025		December 31
2024
(In thousands)Non-Accrual Loans With an Allowance
Non-Accrual Loans Without an Allowance(1)
Total Non-Accrual LoansNon-Accrual Loans With an AllowanceNon-Accrual Loans Without an AllowanceTotal Non-Accrual Loans
Commercial real estate - non-owner-occupied$127 $— $127 $129 $— $129 
Commercial real estate - owner-occupied7 — 7 430 — 430 
Commercial2,626 1,477 4,103 1,927 — 1,927 
Residential real estate3,393 — 3,393 1,891 — 1,891 
Home equity697 — 697 434 — 434 
Consumer3 — 3 18 — 18 
Total$6,853 $1,477 $8,330 $4,829 $— $4,829 
(1) The non-accrual loan without an allowance recorded represents the remaining portion of the syndicated loan that was partially charged-off during the quarter. The outstanding amount reflects the anticipated proceeds to be collected in the fourth quarter, therefore, no allowance was recorded.

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 $87,000 and $44,000 for the three months ended September 30, 2025 and 2024, respectively, and for the nine months ended September 30, 2025 and 2024, is estimated to have been $343,000 and $148,000, 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 and nine months ended September 30, 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:
September 30
2025		December 31
2024
Collateral TypeTotal Collateral -Dependent LoansCollateral TypeTotal Collateral -Dependent Loans
(In thousands)Real EstateOther AssetsReal Estate Other Assets
Commercial real estate - non-owner occupied$— $— $— $4,448 $— $4,448 
Commercial
— 1,477 1,477 — 669 669 
Total$— $1,477 $1,477 $4,448 $669 $5,117