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Loans and Leases and Allowance for Credit Losses | 12 Months Ended
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Dec. 31, 2024
Receivables [Abstract] |
Loans and Leases and Allowance for Credit Losses | Note 5. Loans and Leases and Allowance for Credit Losses Portfolio Segmentation: Major categories of loans and leases are summarized as follows (in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, | ​ | December 31,
​ | ​ | 2024 | ​ | 2023
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​
Non-owner occupied | ​ | $ | 1,080,404 | ​ | $ | 940,789
Owner occupied | ​ | ​ | 867,678 | ​ | ​ | 798,416
Consumer real estate | ​ |  | 741,836 | ​ |  | 649,867
Construction and land development | ​ |  | 361,735 | ​ |  | 327,185
Commercial and industrial | ​ |  | 775,620 | ​ |  | 645,918
Leases | ​ | ​ | 64,878 | ​ | ​ | 68,752
Consumer and other | ​ |  | 14,189 | ​ |  | 13,535
Total loans and leases | ​ |  | 3,906,340 | ​ |  | 3,444,462
Less: Allowance for credit losses | ​ |  | (37,423) | ​ |  | (35,066)
Loans and leases, net | ​ | $ | 3,868,917 | ​ | $ | 3,409,396
​ The loan and lease portfolio is disaggregated into segments. There are seven loan and lease portfolio segments that include commercial real estate non-owner occupied, commercial real estate owner occupied, consumer real estate, construction and land development, commercial and industrial, leases, and consumer and other. Fees and costs of originating loans are deferred at origination and amortized over the life of the loan. At December 31, 2024 and 2023, net deferred loan origination fees exceeded deferred loan origination costs, resulting in a net reduction of loan balances totaling $5.9 million and $5.7 million, respectively. The following describe risk characteristics relevant to each of the portfolio segments: Commercial real estate loans for prior periods were broken out into non-owner occupied and owner occupied for presentation comparison. Commercial Real Estate – Non-Owner Occupied: Commercial real estate loans for income-producing properties such as apartment buildings, office and industrial buildings, and retail shopping centers are repaid from rent income derived from the properties. Loans within this portfolio segment are particularly sensitive to the valuation of real estate. Commercial Real Estate - Owner Occupied: Commercial real estate loans to operating businesses are long-term financing of land and buildings where the owner occupies the property. These loans are repaid by cash flow generated from the business operation. Consumer Real Estate: Consumer real estate loans include real estate loans secured by first liens, second liens, or open end real estate loans, such as home equity lines. These are repaid by various means such as a borrower’s income, sale of the property, or rental income derived from the property. Loans within this portfolio segment are particularly sensitive to the valuation of real estate. Construction and Land Development: Loans for real estate construction and development are repaid through cash flow related to the operations, sale or refinance of the underlying property. This portfolio segment includes extensions of credit to real estate developers or investors where repayment is dependent on the sale of the real estate or income generated from the real estate collateral. Loans within this portfolio segment are particularly sensitive to the valuation of real estate. Commercial and Industrial: The commercial and industrial loan portfolio segment includes commercial and financial loans. These loans include those loans to commercial customers for use in normal business operations to finance working capital needs, equipment purchases, or expansion projects. Loans are repaid by business cash flows. Collection risk in this portfolio is driven by the creditworthiness of the underlying borrower, particularly cash flows from the customers’ business operations. Leases: The lease portfolio segment includes leases to small and mid-size companies for equipment financing leases. These leases are secured by a secured interest in the equipment being leased. ​ Consumer and Other: The consumer loan portfolio segment includes direct consumer installment loans, overdrafts and other revolving credit loans, and educational loans. Loans in this portfolio are sensitive to unemployment and other key consumer economic measures. Allowance for credit losses: As described in Note 1 - Summary of Significant Accounting Policies, the Company adopted ASU 2016-13 on January 1, 2023. ​ The following tables detail the changes in the allowance for credit losses by loan and lease classification (in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2024
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Real Estate | ​ | Real Estate | ​ | Consumer | ​ | Construction | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Non-Owner | ​ | Owner | ​ | Real | ​ | and Land | ​ | and | ​ | ​ | ​ | ​ | Consumer | ​ | ​ | ​
​ | ​ | Occupied | ​ | Occupied | ​ | Estate |  | Development | ​ | Industrial | ​ | Leases | ​ | and Other | ​ | Total
Beginning balance |  | $ | 6,846 |  | $ | 8,418 |  | $ | 7,249 |  | $ | 4,874 |  | $ | 6,924 |  | $ | 640 |  | $ | 115 |  | $ | 35,066
Charged-off loans and leases | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | (441) | ​ |  | (928) | ​ |  | (1,312) | ​ |  | (336) | ​ |  | (3,017)
Recoveries of charge-offs | ​ |  | — | ​ |  | 36 | ​ |  | 4 | ​ |  | — | ​ |  | 159 | ​ |  | 8 | ​ |  | 101 | ​ |  | 308
Provision charged to expense (1) | ​ |  | 126 | ​ |  | (113) | ​ |  | 1,102 | ​ |  | (265) | ​ |  | 2,397 | ​ |  | 1,583 | ​ |  | 236 | ​ |  | 5,066
Ending balance | ​ | $ | 6,972 | ​ | $ | 8,341 | ​ | $ | 8,355 | ​ | $ | 4,168 | ​ | $ | 8,552 | ​ | $ | 919 | ​ | $ | 116 | ​ | $ | 37,423
​
| (1) | In the provision charged to expense there was a provision of $87 thousand for unfunded commitments through the provision for credit losses not reflected in the year ended December 31, 2024.
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2023
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Real Estate | ​ | Real Estate | ​ | Consumer | ​ | Construction | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Non-Owner | ​ | Owner | ​ | Real | ​ | and Land | ​ | and | ​ | ​ | ​ | ​ | Consumer | ​ | ​ | ​
​ | ​ | Occupied | ​ | Occupied | ​ | Estate |  | Development | ​ | Industrial | ​ | Leases | ​ | and Other | ​ | Total
Beginning balance |  | $ | 5,694 |  | $ | 5,127 |  | $ | 4,028 |  | $ | 3,059 |  | $ | 3,997 |  | $ | 1,293 |  | $ | 136 |  | $ | 23,334
Impact of adopting ASU 2016-13 | ​ | ​ | 458 | ​ | ​ | 421 | ​ | ​ | 1,952 | ​ | ​ | 2,145 | ​ | ​ | 1,451 | ​ | ​ | (683) | ​ | ​ | 13 | ​ | ​ | 5,757
Purchased credit-deteriorated gross up | ​ | ​ | 117 | ​ | ​ | 2,535 | ​ | ​ | 166 | ​ | ​ | 25 | ​ | ​ | 27 | ​ | ​ | 28 | ​ | ​ | — | ​ | ​ | 2,898
Charged-off loans and leases | ​ |  | — | ​ | ​ | — | ​ |  | (9) | ​ |  | — | ​ |  | (584) | ​ |  | (345) | ​ |  | (425) | ​ |  | (1,363)
Recoveries of charge-offs | ​ |  | — | ​ | ​ | 6 | ​ |  | 53 | ​ |  | 25 | ​ |  | 396 | ​ |  | — | ​ |  | 205 | ​ |  | 685
Provision charged to expense (1) | ​ |  | 577 | ​ | ​ | 329 | ​ |  | 1,059 | ​ |  | (380) | ​ |  | 1,637 | ​ |  | 347 | ​ |  | 186 | ​ |  | 3,755
Ending balance | ​ | $ | 6,846 | ​ | $ | 8,418 | ​ | $ | 7,249 | ​ | $ | 4,874 | ​ | $ | 6,924 | ​ | $ | 640 | ​ | $ | 115 | ​ | $ | 35,066
​
| (1) | In the provision charged to expense there was a release of $726 thousand for unfunded commitments through the provision for credit losses not reflected in the year ended December 31, 2023.
​ ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2022
​ | ​ | Commercial | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Real Estate | ​ | Real Estate | ​ | Consumer | ​ | Construction | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Non-Owner | ​ | Owner | ​ | Real | ​ | and Land | ​ | and | ​ | ​ | ​ | ​ | Consumer | ​ | ​ | ​
​ | ​ | Occupied | ​ | Occupied | ​ | Estate |  | Development | ​ | Industrial | ​ | Leases | ​ | and Other | ​ | Total
Beginning balance |  | $ | 5,611 |  | $ | 4,170 |  | $ | 3,454 |  | $ | 1,882 |  | $ | 3,781 |  | $ | 330 |  | $ | 124 |  | $ | 19,352
Charged-off loans and leases | ​ |  | — | ​ | ​ | — | ​ |  | (33) | ​ |  | — | ​ |  | (307) | ​ |  | (110) | ​ |  | (744) | ​ |  | (1,194)
Recoveries of charge-offs | ​ |  | — | ​ | ​ | 6 | ​ |  | 564 | ​ |  | — | ​ |  | 184 | ​ |  | 194 | ​ |  | 210 | ​ |  | 1,158
Provision charged to expense | ​ |  | 83 | ​ | ​ | 951 | ​ |  | 43 | ​ |  | 1,177 | ​ |  | 339 | ​ |  | 879 | ​ |  | 546 | ​ |  | 4,018
Ending balance | ​ | $ | 5,694 | ​ | $ | 5,127 | ​ | $ | 4,028 | ​ | $ | 3,059 | ​ | $ | 3,997 | ​ | $ | 1,293 | ​ | $ | 136 | ​ | $ | 23,334
​ ​ We maintain the allowance for credit losses at a level that we deem appropriate to adequately cover the expected credit loss in the loan and lease portfolio. Our provision for loan and lease losses for the years ended December 31, 2024, 2023 and 2022, were $5.1 million, $3.8 million and $4.0 million, respectively. As of December 31, 2024, and 2023, our allowance for credit losses was $37.4 million and $35.1 million, respectively, which we deemed to be adequate at each of the respective dates. Our allowance for credit losses as a percentage of total loans and leases was 0.96% at December 31, 2024 and 1.02% at December 31, 2023. ​ Credit Risk Management: The Company employs a credit risk management process with defined policies, accountability and routine reporting to manage credit risk in the loan and lease portfolio segments. Credit risk management is guided by credit policies that provide for a consistent and prudent approach to underwriting and approvals of credits. Within the Credit Policy, procedures exist that elevate the approval requirements as credits become larger and more complex. All loans and leases are individually underwritten, risk-rated, approved, and monitored. Responsibility and accountability for adherence to underwriting policies and accurate risk ratings lies in each portfolio segment. For the consumer real estate and consumer and other portfolio segments, the risk management process focuses on managing customers who become delinquent in their payments. For the other portfolio segments, the risk management process focuses on underwriting new business and, on an ongoing basis, monitoring the credit of the portfolios, including a third party review of the largest credits on an annual basis or more frequently, as needed. To ensure problem credits are identified on a timely basis, several specific portfolio reviews occur periodically to assess the larger adversely rated credits for proper risk rating and accrual status. Credit quality and trends in the loan and lease portfolio segments are measured and monitored regularly. Detailed reports (e.g., by product, collateral, accrual status) are reviewed by director, management and loan committees. A description of the general characteristics of the risk grades used by the Company is as follows: Pass: Loans and leases in this risk category involve borrowers of acceptable-to-strong credit quality and risk who have the apparent ability to satisfy their loan and lease obligations. Loans and leases in this risk grade would possess sufficient mitigating factors, such as adequate collateral or strong guarantors possessing the capacity to repay the debt if required, for any weakness that may exist. Watch: Loans and leases in this risk category involve borrowers that exhibit characteristics, or are operating under conditions that, if not successfully mitigated as planned, have a reasonable risk of resulting in a downgrade within the next six to twelve months. Loans and leases may remain in this risk category for six months and then are either upgraded or downgraded upon subsequent evaluation. Special Mention: Loans and leases in this risk grade are the equivalent of the regulatory definition of "Other Assets Especially Mentioned" classification. Loans and leases in this category possess some credit deficiency or potential weakness, which requires a high level of management attention. Potential weaknesses include declining trends in operating earnings and cash flows and /or reliance on the secondary source of repayment. If left uncorrected, these potential weaknesses may result in noticeable deterioration of the repayment prospects for the asset or in the Company’s credit position. Substandard: Loans and leases in this risk grade are inadequately protected by the borrower’s current financial condition and payment capability or of the collateral pledged, if any. Loans and leases so classified have a well-defined weakness or weaknesses that jeopardize the orderly repayment of debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Doubtful: Loans and leases in this risk grade have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or orderly repayment in full, on the basis of current existing facts, conditions and values, highly questionable and improbable. Possibility of loss is extremely high, but because of certain important and reasonably specific factors that may work to the advantage and strengthening of the exposure, its classification as an estimated loss is deferred until its more exact status may be determined. Uncollectible: Loans and leases in this risk grade are considered to be non-collectible and of such little value that their continuance as bankable assets is not warranted. This does not mean the loan or lease has absolutely no recovery value, but rather it is neither practical nor desirable to defer writing off the loan or lease, even though partial recovery may be obtained in the future. Charge-offs against the allowance for loan and lease losses are taken in the period in which the loan or lease becomes uncollectible. Consequently, the Company typically does not maintain a recorded investment in loans or leases within this category. The Company evaluates the loan risk grading system definitions and allowance for credit loss methodology on an ongoing basis. ​ The following tables outline the amount of each loan and lease classification and the amount categorized into each risk rating based on year of origination (in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | December 31, 2024
​ | Loans Amortized Cost Basis by Origination Year | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | Converted | ​ | ​ | ​
​ | 2024 | ​ | 2023 | ​ | 2022 | ​ | 2021 | ​ | 2020 | ​ | Prior | ​ | Loans | ​ | to Term | ​ | Total
Commercial real estate - non-owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ | 241,022 | ​ | ​ | 118,055 | ​ | ​ | 286,728 | ​ | ​ | 228,554 | ​ | ​ | 85,754 | ​ | ​ | 97,319 | ​ | ​ | 8,295 | ​ | ​ | 696 | ​ | ​ | 1,066,423
Watch | ​ | - | ​ | ​ | 1,637 | ​ | ​ | 6,769 | ​ | ​ | 278 | ​ | ​ | - | ​ | ​ | 4,275 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 12,959
Special mention | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Substandard | ​ | 470 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 301 | ​ | ​ | 251 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 1,022
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total commercial real estate - non-owner occupied | ​ | 241,492 | ​ | ​ | 119,692 | ​ | ​ | 293,497 | ​ | ​ | 228,832 | ​ | ​ | 86,055 | ​ | ​ | 101,845 | ​ | ​ | 8,295 | ​ | ​ | 696 | ​ | ​ | 1,080,404
YTD gross charge-offs | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate - owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | 145,848 | ​ | $ | 118,233 | ​ | $ | 275,328 | ​ | $ | 155,119 | ​ | $ | 62,755 | ​ | $ | 78,934 | ​ | $ | 12,368 | ​ | $ | 198 | ​ | $ | 848,783
Watch | ​ | 1,451 | ​ | ​ | 2,814 | ​ | ​ | 2,398 | ​ | ​ | 1,251 | ​ | ​ | 1,676 | ​ | ​ | 364 | ​ | ​ | 744 | ​ | ​ | - | ​ | ​ | 10,698
Special mention | ​ | 3,147 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 3,147
Substandard | ​ | - | ​ | ​ | 332 | ​ | ​ | - | ​ | ​ | 3,303 | ​ | ​ | 305 | ​ | ​ | 365 | ​ | ​ | 745 | ​ | ​ | - | ​ | ​ | 5,050
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total commercial real estate - owner occupied | ​ | 150,446 | ​ | ​ | 121,379 | ​ | ​ | 277,726 | ​ | ​ | 159,673 | ​ | ​ | 64,736 | ​ | ​ | 79,663 | ​ | ​ | 13,857 | ​ | ​ | 198 | ​ | ​ | 867,678
YTD gross charge-offs | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer real estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | 151,786 | ​ | ​ | 105,416 | ​ | ​ | 154,956 | ​ | ​ | 82,463 | ​ | ​ | 47,122 | ​ | ​ | 61,844 | ​ | ​ | 131,267 | ​ | ​ | 2,099 | ​ | ​ | 736,953
Watch | ​ | - | ​ | ​ | 81 | ​ | ​ | - | ​ | ​ | 109 | ​ | ​ | 258 | ​ | ​ | 420 | ​ | ​ | 1,241 | ​ | ​ | - | ​ | ​ | 2,109
Special mention | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 50 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 50
Substandard | ​ | 184 | ​ | ​ | - | ​ | ​ | 61 | ​ | ​ | 311 | ​ | ​ | - | ​ | ​ | 1,854 | ​ | ​ | 314 | ​ | ​ | - | ​ | ​ | 2,724
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total consumer real estate | ​ | 151,970 | ​ | ​ | 105,497 | ​ | ​ | 155,017 | ​ | ​ | 82,883 | ​ | ​ | 47,380 | ​ | ​ | 64,168 | ​ | ​ | 132,822 | ​ | ​ | 2,099 | ​ | ​ | 741,836
YTD gross charge-offs | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | 199,160 | ​ | ​ | 74,200 | ​ | ​ | 51,438 | ​ | ​ | 6,146 | ​ | ​ | 2,168 | ​ | ​ | 9,562 | ​ | ​ | 12,392 | ​ | ​ | 89 | ​ | ​ | 355,155
Watch | ​ | 2,477 | ​ | ​ | - | ​ | ​ | 105 | ​ | ​ | 3,015 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 5,597
Special mention | ​ | 515 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 515
Substandard | ​ | 262 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 68 | ​ | ​ | - | ​ | ​ | 138 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 468
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total construction and land development | ​ | 202,414 | ​ | ​ | 74,200 | ​ | ​ | 51,543 | ​ | ​ | 9,229 | ​ | ​ | 2,168 | ​ | ​ | 9,700 | ​ | ​ | 12,392 | ​ | ​ | 89 | ​ | ​ | 361,735
YTD gross charge-offs | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | (441) | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | (441)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | 130,898 | ​ | ​ | 128,646 | ​ | ​ | 133,782 | ​ | ​ | 43,299 | ​ | ​ | 17,716 | ​ | ​ | 26,933 | ​ | ​ | 282,695 | ​ | ​ | 3,239 | ​ | ​ | 767,208
Watch | ​ | 103 | ​ | ​ | 107 | ​ | ​ | 119 | ​ | ​ | 2,807 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 2,865 | ​ | ​ | 14 | ​ | ​ | 6,015
Special mention | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Substandard | ​ | - | ​ | ​ | 40 | ​ | ​ | 455 | ​ | ​ | 1,657 | ​ | ​ | 129 | ​ | ​ | 46 | ​ | ​ | 9 | ​ | ​ | 61 | ​ | ​ | 2,397
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total commercial and industrial | ​ | 131,001 | ​ | ​ | 128,793 | ​ | ​ | 134,356 | ​ | ​ | 47,763 | ​ | ​ | 17,845 | ​ | ​ | 26,979 | ​ | ​ | 285,569 | ​ | ​ | 3,314 | ​ | ​ | 775,620
YTD gross charge-offs | ​ | - | ​ | ​ | (618) | ​ | ​ | (235) | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | (29) | ​ | ​ | (46) | ​ | ​ | (928)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Leases | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | 25,371 | ​ | ​ | 18,285 | ​ | ​ | 16,299 | ​ | ​ | 3,601 | ​ | ​ | 1,019 | ​ | ​ | 303 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 64,878
Watch | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Special mention | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Substandard | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total leases | ​ | 25,371 | ​ | ​ | 18,285 | ​ | ​ | 16,299 | ​ | ​ | 3,601 | ​ | ​ | 1,019 | ​ | ​ | 303 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 64,878
YTD gross charge-offs | ​ | (74) | ​ | ​ | (619) | ​ | ​ | (589) | ​ | ​ | (1) | ​ | ​ | (1) | ​ | ​ | (28) | ​ | ​ | - | ​ | ​ | - | ​ | ​ | (1,312)
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | December 31, 2024
​ | Loans Amortized Cost Basis by Origination Year | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | Converted | ​ | ​ | ​
​ | 2024 | ​ | 2023 | ​ | 2022 | ​ | 2021 | ​ | 2020 | ​ | Prior | ​ | Loans | ​ | to Term | ​ | Total
Consumer and other | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | 4,385 | ​ | ​ | 1,932 | ​ | ​ | 922 | ​ | ​ | 387 | ​ | ​ | 284 | ​ | ​ | 238 | ​ | ​ | 6,024 | ​ | ​ | - | ​ | ​ | 14,172
Watch | ​ | 4 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 4
Special mention | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Substandard | ​ | 11 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 2 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 13
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total consumer and other | ​ | 4,400 | ​ | ​ | 1,932 | ​ | ​ | 922 | ​ | ​ | 387 | ​ | ​ | 284 | ​ | ​ | 240 | ​ | ​ | 6,024 | ​ | ​ | - | ​ | ​ | 14,189
YTD gross charge-offs | ​ | (24) | ​ | ​ | (84) | ​ | ​ | (61) | ​ | ​ | (37) | ​ | ​ | (53) | ​ | ​ | (77) | ​ | ​ | - | ​ | ​ | - | ​ | ​ | (336)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | 898,470 | ​ | ​ | 564,767 | ​ | ​ | 919,453 | ​ | ​ | 519,569 | ​ | ​ | 216,818 | ​ | ​ | 275,133 | ​ | ​ | 453,041 | ​ | ​ | 6,321 | ​ | ​ | 3,853,572
Watch | ​ | 4,035 | ​ | ​ | 4,639 | ​ | ​ | 9,391 | ​ | ​ | 7,460 | ​ | ​ | 1,934 | ​ | ​ | 5,059 | ​ | ​ | 4,850 | ​ | ​ | 14 | ​ | ​ | 37,382
Special mention | ​ | 3,662 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 50 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 3,712
Substandard | ​ | 927 | ​ | ​ | 372 | ​ | ​ | 516 | ​ | ​ | 5,339 | ​ | ​ | 735 | ​ | ​ | 2,656 | ​ | ​ | 1,068 | ​ | ​ | 61 | ​ | ​ | 11,674
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total loans | $ | 907,094 | ​ | $ | 569,778 | ​ | $ | 929,360 | ​ | $ | 532,368 | ​ | $ | 219,487 | ​ | $ | 282,898 | ​ | $ | 458,959 | ​ | $ | 6,396 | ​ | $ | 3,906,340
Total YTD gross charge-offs | $ | (98) | ​ | $ | (1,321) | ​ | $ | (885) | ​ | $ | (38) | ​ | $ | (495) | ​ | $ | (105) | ​ | $ | (29) | ​ | $ | (46) | ​ | $ | (3,017)
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | December 31, 2023
​ | Loans Amortized Cost Basis by Origination Year | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | Converted | ​ | ​ | ​
​ | 2023 | ​ | 2022 | ​ | 2021 | ​ | 2020 | ​ | 2019 | ​ | Prior | ​ | Loans | ​ | to Term | ​ | Total
Commercial real estate - non-owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | $ | 120,088 | ​ | $ | 293,053 | ​ | $ | 258,422 | ​ | $ | 107,359 | ​ | $ | 76,847 | ​ | $ | 42,345 | ​ | $ | 3,691 | ​ | $ | 4,320 | ​ | $ | 906,125
Watch | ​ | 22,295 | ​ | ​ | - | ​ | ​ | 645 | ​ | ​ | - | ​ | ​ | 4,426 | ​ | ​ | 2,663 | ​ | ​ | - | ​ | ​ | 3,500 | ​ | ​ | 33,529
Special mention | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Substandard | ​ | 517 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 310 | ​ | ​ | - | ​ | ​ | 308 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 1,135
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total commercial real estate - non-owner occupied | ​ | 142,900 | ​ | ​ | 293,053 | ​ | ​ | 259,067 | ​ | ​ | 107,669 | ​ | ​ | 81,273 | ​ | ​ | 45,316 | ​ | ​ | 3,691 | ​ | ​ | 7,820 | ​ | ​ | 940,789
YTD gross charge-offs | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate - owner occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | 117,022 | ​ | ​ | 285,174 | ​ | ​ | 175,083 | ​ | ​ | 74,015 | ​ | ​ | 57,648 | ​ | ​ | 63,970 | ​ | ​ | 11,441 | ​ | ​ | 2,370 | ​ | ​ | 786,723
Watch | ​ | - | ​ | ​ | 1,267 | ​ | ​ | 1,305 | ​ | ​ | 921 | ​ | ​ | - | ​ | ​ | 263 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 3,756
Special mention | ​ | - | ​ | ​ | 3,215 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 3,215
Substandard | ​ | 386 | ​ | ​ | - | ​ | ​ | 3,932 | ​ | ​ | - | ​ | ​ | 282 | ​ | ​ | 122 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 4,722
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | ​ | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total commercial real estate - owner occupied | ​ | 117,408 | ​ | ​ | 289,656 | ​ | ​ | 180,320 | ​ | ​ | 74,936 | ​ | ​ | 57,930 | ​ | ​ | 64,355 | ​ | ​ | 11,441 | ​ | ​ | 2,370 | ​ | ​ | 798,416
YTD gross charge-offs | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer real estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | 123,203 | ​ | ​ | 174,755 | ​ | ​ | 98,460 | ​ | ​ | 53,688 | ​ | ​ | 33,598 | ​ | ​ | 48,378 | ​ | ​ | 107,949 | ​ | ​ | 3,026 | ​ | ​ | 643,057
Watch | ​ | 171 | ​ | ​ | - | ​ | ​ | 258 | ​ | ​ | 116 | ​ | ​ | - | ​ | ​ | 55 | ​ | ​ | 1,581 | ​ | ​ | - | ​ | ​ | 2,181
Special mention | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 53 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 53
Substandard | ​ | 196 | ​ | ​ | 824 | ​ | ​ | 176 | ​ | ​ | 253 | ​ | ​ | 164 | ​ | ​ | 2,850 | ​ | ​ | 113 | ​ | ​ | - | ​ | ​ | 4,576
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total consumer real estate | ​ | 123,570 | ​ | ​ | 175,579 | ​ | ​ | 98,894 | ​ | ​ | 54,057 | ​ | ​ | 33,762 | ​ | ​ | 51,336 | ​ | ​ | 109,643 | ​ | ​ | 3,026 | ​ | ​ | 649,867
YTD gross charge-offs | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | (9) | ​ | ​ | - | ​ | ​ | - | ​ | ​ | (9)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Construction and land development | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | 113,752 | ​ | ​ | 115,032 | ​ | ​ | 23,823 | ​ | ​ | 2,749 | ​ | ​ | 5,056 | ​ | ​ | 6,595 | ​ | ​ | 40,667 | ​ | ​ | 7,489 | ​ | ​ | 315,163
Watch | ​ | 6,670 | ​ | ​ | 3,233 | ​ | ​ | 607 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 1 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 10,511
Special mention | ​ | 437 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 437
Substandard | ​ | - | ​ | ​ | - | ​ | ​ | 35 | ​ | ​ | 620 | ​ | ​ | - | ​ | ​ | 419 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 1,074
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total construction and land development | ​ | 120,859 | ​ | ​ | 118,265 | ​ | ​ | 24,465 | ​ | ​ | 3,369 | ​ | ​ | 5,056 | ​ | ​ | 7,015 | ​ | ​ | 40,667 | ​ | ​ | 7,489 | ​ | ​ | 327,185
YTD gross charge-offs | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
​ ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | December 31, 2023
​ | Loans Amortized Cost Basis by Origination Year | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | Converted | ​ | ​ | ​
​ | 2023 | ​ | 2022 | ​ | 2021 | ​ | 2020 | ​ | 2019 | ​ | Prior | ​ | Loans | ​ | to Term | ​ | Total
Commercial and industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | 168,957 | ​ | ​ | 162,799 | ​ | ​ | 62,796 | ​ | ​ | 22,639 | ​ | ​ | 9,135 | ​ | ​ | 25,207 | ​ | ​ | 185,619 | ​ | ​ | 7,270 | ​ | ​ | 644,422
Watch | ​ | 54 | ​ | ​ | 15 | ​ | ​ | 13 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 120 | ​ | ​ | 83 | ​ | ​ | 285
Special mention | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Substandard | ​ | 193 | ​ | ​ | 614 | ​ | ​ | 200 | ​ | ​ | 129 | ​ | ​ | 75 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 1,211
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total commercial and industrial | ​ | 169,204 | ​ | ​ | 163,428 | ​ | ​ | 63,009 | ​ | ​ | 22,768 | ​ | ​ | 9,210 | ​ | ​ | 25,207 | ​ | ​ | 185,739 | ​ | ​ | 7,353 | ​ | ​ | 645,918
YTD gross charge-offs | ​ | (75) | ​ | ​ | (274) | ​ | ​ | (50) | ​ | ​ | (183) | ​ | ​ | - | ​ | ​ | - | ​ | ​ | (2) | ​ | ​ | - | ​ | ​ | (584)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Leases | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | 28,922 | ​ | ​ | 26,658 | ​ | ​ | 8,658 | ​ | ​ | 3,603 | ​ | ​ | 703 | ​ | ​ | 208 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 68,752
Watch | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Special mention | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Substandard | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total leases | ​ | 28,922 | ​ | ​ | 26,658 | ​ | ​ | 8,658 | ​ | ​ | 3,603 | ​ | ​ | 703 | ​ | ​ | 208 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 68,752
YTD gross charge-offs | ​ | (122) | ​ | ​ | (193) | ​ | ​ | (18) | ​ | ​ | - | ​ | ​ | (12) | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | (345)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer and other | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | 5,926 | ​ | ​ | 2,049 | ​ | ​ | 841 | ​ | ​ | 373 | ​ | ​ | 132 | ​ | ​ | 206 | ​ | ​ | 3,931 | ​ | ​ | 67 | ​ | ​ | 13,525
Watch | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 10 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 10
Special mention | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Substandard | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total consumer and other | ​ | 5,926 | ​ | ​ | 2,049 | ​ | ​ | 841 | ​ | ​ | 373 | ​ | ​ | 142 | ​ | ​ | 206 | ​ | ​ | 3,931 | ​ | ​ | 67 | ​ | ​ | 13,535
YTD gross charge-offs | ​ | (40) | ​ | ​ | (135) | ​ | ​ | (74) | ​ | ​ | (54) | ​ | ​ | (33) | ​ | ​ | (89) | ​ | ​ | - | ​ | ​ | - | ​ | ​ | (425)
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | 677,870 | ​ | ​ | 1,059,520 | ​ | ​ | 628,083 | ​ | ​ | 264,426 | ​ | ​ | 183,119 | ​ | ​ | 186,909 | ​ | ​ | 353,298 | ​ | ​ | 24,542 | ​ | ​ | 3,377,767
Watch | ​ | 29,190 | ​ | ​ | 4,515 | ​ | ​ | 2,828 | ​ | ​ | 1,037 | ​ | ​ | 4,436 | ​ | ​ | 2,982 | ​ | ​ | 1,701 | ​ | ​ | 3,583 | ​ | ​ | 50,272
Special mention | ​ | 437 | ​ | ​ | 3,215 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 53 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 3,705
Substandard | ​ | 1,292 | ​ | ​ | 1,438 | ​ | ​ | 4,343 | ​ | ​ | 1,312 | ​ | ​ | 521 | ​ | ​ | 3,699 | ​ | ​ | 113 | ​ | ​ | - | ​ | ​ | 12,718
Doubtful | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | -
Total loans | $ | 708,789 | ​ | $ | 1,068,688 | ​ | $ | 635,254 | ​ | $ | 266,775 | ​ | $ | 188,076 | ​ | $ | 193,643 | ​ | $ | 355,112 | ​ | $ | 28,125 | ​ | $ | 3,444,462
Total YTD gross charge-offs | $ | (237) | ​ | $ | (602) | ​ | $ | (142) | ​ | $ | (237) | ​ | $ | (45) | ​ | $ | (98) | ​ | $ | (2) | ​ | $ | - | ​ | $ | (1,363)
​ ​ Past Due Loans and Leases: A loan or lease is considered past due if any required principal and interest payments have not been received as of the date such payments were required to be made under the terms of the loan agreement. Generally, management places a loan or lease on nonaccrual when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan is 90 days past due. The following tables present an aging analysis of our loan and lease portfolio (in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2024 | ​
​ |  | ​ |  | ​ |  | 90 Days |  | ​ |  | ​ | ​ | ​ | ​ |
​ |  | 30-59 Days |  | 60-89 Days |  | or More |  | Total |  | Loans Not | ​ | Total |
​ |  | Past Due |  | Past Due |  | Past Due | ​ | Past Due | ​ | Past Due | ​ | Loans | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non-owner occupied | ​ | $ | 378 | ​ | $ | — | ​ | $ | 263 | ​ | $ | 641 | ​ | $ | 1,079,763 | ​ | $ | 1,080,404 | ​
Owner occupied | ​ | ​ | 731 | ​ | ​ | 47 | ​ | ​ | 539 | ​ | ​ | 1,317 | ​ |  | 866,361 | ​ | ​ | 867,678 | ​
Consumer real estate | ​ |  | 2,258 | ​ |  | 826 | ​ |  | 764 | ​ |  | 3,848 | ​ |  | 737,988 | ​ | ​ | 741,836 | ​
Construction and land development | ​ |  | 523 | ​ |  | — | ​ |  | — | ​ |  | 523 | ​ |  | 361,212 | ​ | ​ | 361,735 | ​
Commercial and industrial | ​ |  | 1,417 | ​ |  | 367 | ​ |  | 1,636 | ​ |  | 3,420 | ​ |  | 772,200 | ​ | ​ | 775,620 | ​
Leases | ​ | ​ | 1,645 | ​ | ​ | — | ​ | ​ | 2,118 | ​ | ​ | 3,763 | ​ | ​ | 61,115 | ​ | ​ | 64,878 | ​
Consumer and other | ​ |  | 96 | ​ |  | 24 | ​ |  | 18 | ​ |  | 138 | ​ |  | 14,051 | ​ | ​ | 14,189 | ​
Total | ​ | $ | 7,048 | ​ | $ | 1,264 | ​ | $ | 5,338 | ​ | $ | 13,650 | ​ | $ | 3,892,690 | ​ | $ | 3,906,340 | ​
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2023 | ​
​ |  | ​ |  | ​ |  | 90 Days |  | ​ |  | ​ | ​ | ​ | ​ | ​ |
​ |  | 30-59 Days |  | 60-89 Days |  | or More |  | Total |  | Loans Not | ​ | Total |
​ |  | Past Due |  | Past Due |  | Past Due | ​ | Past Due | ​ | Past Due | ​ | Loans | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non-owner occupied | ​ | $ | — | ​ | $ | — | ​ | $ | 571 | ​ | $ | 571 | ​ | $ | 940,218 | ​ | ​ | 940,789 | ​
Owner occupied | ​ | ​ | 52 | ​ | ​ | 270 | ​ | ​ | 1,089 | ​ | ​ | 1,411 | ​ |  | 797,005 | ​ | ​ | 798,416 | ​
Consumer real estate | ​ |  | 2,216 | ​ |  | 1,347 | ​ |  | 561 | ​ |  | 4,124 | ​ |  | 645,743 | ​ | ​ | 649,867 | ​
Construction and land development | ​ |  | 631 | ​ |  | — | ​ |  | 620 | ​ |  | 1,251 | ​ |  | 325,934 | ​ | ​ | 327,185 | ​
Commercial and industrial | ​ |  | 956 | ​ |  | 330 | ​ |  | 2,286 | ​ |  | 3,572 | ​ |  | 642,346 | ​ | ​ | 645,918 | ​
Leases | ​ | ​ | 1,208 | ​ | ​ | 132 | ​ | ​ | 212 | ​ | ​ | 1,552 | ​ | ​ | 67,200 | ​ | ​ | 68,752 | ​
Consumer and other | ​ |  | 80 | ​ |  | 9 | ​ |  | 98 | ​ |  | 187 | ​ |  | 13,348 | ​ | ​ | 13,535 | ​
Total | ​ | $ | 5,143 | ​ | $ | 2,088 | ​ | $ | 5,437 | ​ | $ | 12,668 | ​ | $ | 3,431,794 | ​ | $ | 3,444,462 | ​
​ The table below presents the amortized cost basis of loans on nonaccrual status and loans past due 90 or more days and still accruing interest at December 31, 2024, and 2023. Also presented is the balance of loans on nonaccrual status at December 31, 2024, and 2023, for which there was no related allowance for credit losses recorded (in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2024 | ​ | December 31, 2023
​ |  | Total |  | Nonaccrual |  | Loans Past Due |  | Total |  | Nonaccrual |  | Loans Past Due
​ |  | Nonaccrual |  | With No Allowance |  | Over 90 Days | ​ | Nonaccrual | ​ | With No Allowance | ​ | Over 90 Days
​ |  | Loans |  | for Credit Losses |  | Still Accruing | ​ | Loans | ​ | for Credit Losses | ​ | Still Accruing
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non-owner occupied | ​ | $ | 514 | ​ | $ | 263 | ​ | $ | — | ​ | $ | 571 | ​ | $ | 263 | ​ | $ | —
Owner occupied | ​ | ​ | 906 | ​ | ​ | 539 | ​ | ​ | ​ | ​ | ​ | 1,473 | ​ | ​ | 1,089 | ​ | ​ | ​
Consumer real estate | ​ |  | 1,995 | ​ |  | 752 | ​ |  | — | ​ |  | 2,647 | ​ | ​ | 1,562 | ​ |  | —
Construction and land development | ​ |  | 39 | ​ |  | — | ​ |  | — | ​ |  | 620 | ​ | ​ | — | ​ |  | —
Commercial and industrial | ​ |  | 1,820 | ​ |  | — | ​ |  | 144 | ​ |  | 2,480 | ​ | ​ | 160 | ​ |  | —
Leases | ​ | ​ | 2,433 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 140 | ​ | ​ | — | ​ | ​ | 72
Consumer and other | ​ |  | 2 | ​ |  | — | ​ |  | 18 | ​ |  | — | ​ | ​ | — | ​ |  | 98
Total | ​ | $ | 7,709 | ​ | $ | 1,554 | ​ | $ | 162 | ​ | $ | 7,931 | ​ | $ | 3,074 | ​ | $ | 170
​ The following table presents the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses (in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2024
​ |  | Real Estate |  | Other |  | Total
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non-owner occupied | ​ | $ | 733 | ​ | $ | — | ​ | $ | 733
Owner occupied | ​ | ​ | 4,636 | ​ | ​ | ​ | ​ | ​ | 4,636
Consumer real estate | ​ |  | 1,139 | ​ |  | — | ​ |  | 1,139
Construction and land development | ​ |  | 262 | ​ |  | — | ​ |  | 262
Commercial and industrial | ​ |  | — | ​ |  | 2,286 | ​ |  | 2,286
Leases | ​ | ​ | — | ​ | ​ | 534 | ​ | ​ | 534
Consumer and other | ​ |  | — | ​ |  | — | ​ |  | —
Total | ​ | $ | 6,770 | ​ | $ | 2,820 | ​ | $ | 9,590
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2023
​ |  | Real Estate |  | Other |  | Total
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non-owner occupied | ​ | $ | 780 | ​ | $ | — | ​ | $ | 780
Owner occupied | ​ | ​ | 4,375 | ​ | ​ | ​ | ​ | ​ | 4,375
Consumer real estate | ​ |  | 2,756 | ​ |  | — | ​ |  | 2,756
Construction and land development | ​ |  | 1,411 | ​ |  | — | ​ |  | 1,411
Commercial and industrial | ​ |  | — | ​ |  | 1,018 | ​ |  | 1,018
Leases | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer and other | ​ |  | — | ​ |  | — | ​ |  | —
Total | ​ | $ | 9,322 | ​ | $ | 1,018 | ​ | $ | 10,340
​ Impaired Loans and Leases ​ The following table details the average recorded investment, and the amount of interest income recognized on a cash basis for impaired loans at December 31, 2022, as determined under ASC 310 prior to the adoption of ASU 2016-13. A loan or lease held for investment is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due (both principal and interest) according to the terms of the loan or lease agreement (in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Year Ended December 31, 2022
​ |  | Average |  | Interest
​ |  | Recorded |  | Income
​ | ​ | Investment | ​ | Recognized
Impaired loans and leases without a valuation allowance: |  | ​ |  |  | ​ |
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​
Non-owner occupied | ​ | $ | — | ​ | $ | —
Owner occupied | ​ | ​ | 122 | ​ | ​ | —
Consumer real estate | ​ |  | 1,728 | ​ |  | 94
Construction and land development | ​ |  | — | ​ |  | —
Commercial and industrial | ​ |  | — | ​ |  | —
Leases | ​ | ​ | — | ​ | ​ | —
Consumer and other | ​ |  | — | ​ |  | —
​ | ​ |  | 1,850 | ​ |  | 94
Impaired loans and leases with a valuation allowance: | ​ |  |  | ​ |  |
Commercial real estate: | ​ |  | ​ | ​ |  | ​
Non-owner occupied | ​ | ​ | 343 | ​ | ​ | —
Owner occupied | ​ | ​ | — | ​ | ​ | —
Consumer real estate | ​ |  | 52 | ​ |  | —
Construction and land development | ​ |  | 515 | ​ |  | —
Commercial and industrial | ​ |  | 19 | ​ |  | —
Leases | ​ | ​ | — | ​ | ​ | —
Consumer and other | ​ |  | — | ​ |  | —
​ | ​ |  | 929 | ​ |  | —
PCI loans and leases: | ​ |  |  | ​ |  |
Commercial real estate: | ​ |  | ​ | ​ |  | ​
Non-owner occupied | ​ | ​ | 702 | ​ | ​ | 57
Owner occupied | ​ | ​ | — | ​ | ​ | —
Consumer real estate | ​ |  | 819 | ​ |  | 50
Construction and land development | ​ |  | — | ​ |  | —
Commercial and industrial | ​ |  | — | ​ |  | —
Leases | ​ | ​ | — | ​ | ​ | —
Consumer and other | ​ |  | 2 | ​ |  | —
​ | ​ |  | 1,523 | ​ |  | 107
Total impaired loans and leases | ​ | $ | 4,302 | ​ | $ | 201
​ ​ Loan Modifications to Borrowers Experiencing Financial Difficulty: The table below shows the amortized cost of loans and leases made to borrowers experiencing financial difficulty that were modified during the years ended December 31, 2024, and 2023, respectively. (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ |  | ​ |  | Payment Delay | ​ | ​ | ​
​ |  | Payment |  | Term |  | and Term | ​ | ​ | ​
Year ended December 31, 2024 |  | Delay |  | Extension | ​ | Extension | ​ | Total
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non-owner occupied | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Owner occupied | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer real estate | ​ |  | — | ​ |  | 301 | ​ |  | — | ​ | ​ | 301
Construction and land development | ​ |  | — | ​ |  | — | ​ |  | — | ​ | ​ | —
Commercial and industrial | ​ |  | — | ​ |  | 24 | ​ |  | — | ​ | ​ | 24
Leases | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer and other | ​ |  | — | ​ |  | — | ​ |  | — | ​ | ​ | —
Total | ​ | $ | — | ​ | $ | 325 | ​ | $ | — | ​ | $ | 325
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ |  | ​ |  | Payment Delay | ​ | ​ | ​
​ |  | Payment |  | Term |  | and Term | ​ | ​ | ​
Year ended December 31, 2023 |  | Delay |  | Extension | ​ | Extension | ​ | Total
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | $ | —
Non-owner occupied | ​ | $ | — | ​ | $ | 2,492 | ​ | $ | — | ​ | $ | 2,492
Owner occupied | ​ | ​ | 386 | ​ | ​ | 38 | ​ | ​ | — | ​ | ​ | 424
Consumer real estate | ​ |  | — | ​ |  | 446 | ​ |  | — | ​ | ​ | 446
Construction and land development | ​ |  | — | ​ |  | 690 | ​ |  | — | ​ | ​ | 690
Commercial and industrial | ​ |  | 57 | ​ |  | — | ​ |  | 136 | ​ | ​ | 193
Leases | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer and other | ​ |  | — | ​ |  | — | ​ |  | — | ​ | ​ | —
Total | ​ | $ | 443 | ​ | $ | 3,666 | ​ | $ | 136 | ​ | $ | 4,245
The following table summarizes the financial impacts of loan modifications made to borrowers experiencing financial difficulty for the year ended December 31, 2024, and 2023, respectively (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Weighted-Average | ​ | ​ | ​
​ |  | Term |  | Weighted-Average |
​ |  | Extension |  | Total Payment |
Year ended December 31, 2024 |  | (in months) |  | Delay | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non-owner occupied | ​ | ​ | — | ​ | $ | — | ​
Owner occupied | ​ | ​ | — | ​ | ​ | — | ​
Consumer real estate | ​ |  | 63 | ​ |  | — | ​
Construction and land development | ​ |  | — | ​ |  | — | ​
Commercial and industrial | ​ |  | 38 | ​ |  | — | ​
Leases | ​ | ​ | — | ​ | ​ | — | ​
Consumer and other | ​ |  | — | ​ |  | — | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Weighted-Average | ​ | ​ | ​
​ |  | Term |  | Weighted-Average |
​ |  | Extension |  | Total Payment |
Year ended December 31, 2023 |  | (in months) |  | Delay | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non-owner occupied | ​ | ​ | 7 | ​ | $ | — | ​
Owner occupied | ​ | ​ | 180 | ​ | ​ | 22 | ​
Consumer real estate | ​ |  | 16 | ​ |  | — | ​
Construction and land development | ​ |  | 8 | ​ |  | — | ​
Commercial and industrial | ​ |  | 30 | ​ |  | 6 | ​
Leases | ​ | ​ | — | ​ | ​ | — | ​
Consumer and other | ​ |  | — | ​ |  | — | ​
​ The table below shows the amortized cost of loans and leases made to borrowers experiencing financial difficulty that defaulted during the year ended December 31, 2024. No defaults for the year ended December 31, 2023. (dollars in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ |  | ​ |  | Payment Delay | ​ | ​ | ​
​ |  | Payment |  | Term |  | and Term | ​ | ​ | ​
Year ended December 31, 2024 |  | Delay |  | Extension | ​ | Extension | ​ | Total
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non-owner occupied | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Owner occupied | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer real estate | ​ |  | — | ​ |  | 60 | ​ |  | — | ​ | ​ | 60
Construction and land development | ​ |  | — | ​ |  | — | ​ |  | — | ​ | ​ | —
Commercial and industrial | ​ |  | — | ​ |  | — | ​ |  | — | ​ | ​ | —
Leases | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer and other | ​ |  | — | ​ |  | — | ​ |  | — | ​ | ​ | —
Total | ​ | $ | — | ​ | $ | 60 | ​ | $ | — | ​ | $ | 60
​ The table below shows an age analysis of loans and leases made to borrowers experiencing financial difficulty that were modified in the last twelve months, (in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2024
​ |  | ​ |  | ​ |  | 90 Days |  | ​ |  | ​ | ​
​ |  | ​ |  | 30-89 Days |  | or More |  | ​ |  | ​
​ |  | Current |  | Past Due |  | Past Due | ​ | Nonaccrual | ​ | Total
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non-owner occupied | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Owner occupied | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer real estate | ​ |  | 168 | ​ |  | — | ​ |  | — | ​ |  | 134 | ​ |  | 302
Construction and land development | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Commercial and industrial | ​ |  | 14 | ​ |  | — | ​ |  | — | ​ |  | 9 | ​ |  | 23
Leases | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Consumer and other | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Total | ​ | $ | 182 | ​ | $ | — | ​ | $ | — | ​ | $ | 143 | ​ | $ | 325
​ Foreclosure Proceedings and Balances: As of December 31, 2024, there were no residential real estate properties in which physical possession had been obtained and included within other real estate owned assets and two properties totaling $279 thousand at December 31, 2023. There were two residential real estate loans totaling $256 thousand in the process of foreclosure at December 31, 2024, and two for $1.2 million at December 31, 2023. Related Party Loans: In the ordinary course of business, the Company has granted loans to certain related interests, including directors, executive officers, and their affiliates (collectively referred to as "related parties"). Such loans are made in the ordinary course of business and on substantially the same terms as those for comparable transactions prevailing at the time and do not present other unfavorable features. A summary of activity in loans to related parties is as follows (in thousands): ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 2024 |  | 2023
Balance, beginning of year | ​ | $ | 20,836 | ​ | $ | 14,246
Disbursements | ​ |  | 3,619 | ​ |  | 8,653
Repayments | ​ |  | (2,557) | ​ |  | (2,063)
Balance, end of year | ​ | $ | 21,898 | ​ | $ | 20,836
​ At December 31, 2024, the Company had pre-approved but unused lines of credit totaling approximately $8.1 million to related parties.

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