The following tables detail the changes in the allowance for credit losses by loan and lease classification (in thousands):


	Three Months Ended March 31, 2025
	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	$	6,972	$	8,341	$	8,355	$	4,168	$	8,552	$	919	$	116	$	37,423
Charged-off loans and leases		—		—		—		—		(59)		(190)		(83)		(332)
Recoveries of charge-offs		—		2		—		200		23		—		16		241
Provision charged to expense ⁽¹⁾		354		72		333		(214)		112		113		73		843
Ending balance	$	7,326	$	8,415	$	8,688	$	4,154	$	8,628	$	842	$	122	$	38,175


	Three Months Ended March 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		—				(107)		(441)		(201)		(77)		(94)		(920)
Recoveries of charge-offs		—		2		79		—		26		—		28		135
Provision charged to expense ⁽²⁾		(392)		(31)		25		271		(108)		94		63		(78)
Ending balance	$	6,454	$	8,389	$	7,246	$	4,704	$	6,641	$	657	$	112	$	34,203

(1)

In the provision expense in the consolidated statements of income there was a provision of $136 thousand unfunded commitments through the provision for credit losses not reflected in the three months ended March 31, 2025.

(2)

In the provision expense in the consolidated statements of income was a release of $362 thousand of unfunded commitments through the provision for credit losses not reflected in the three months ended March 31, 2024.

Past Due Loans and Leases

The following tables present an aging analysis of our loan and lease portfolio (in thousands):


	March 31, 2025
					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	$	98	$	614	$	263	$	975	$	1,116,417	$	1,117,392
Owner occupied		1,308		358		539		2,205		883,191		885,396
Consumer real estate		2,673		82		892		3,647		780,955		784,602
Construction and land development		19		—		—		19		357,374		357,393
Commercial and industrial		1,104		491		2,078		3,673		764,781		768,454
Leases		2,485		394		2,259		5,138		59,070		64,208
Consumer and other		59		78		35		172		14,590		14,762
Total	$	7,746	$	2,017	$	6,066	$	15,829	$	3,976,378	$	3,992,207


	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

Summary of amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses

The following table presents the amortized cost basis of collateral-dependent loans, which are individually evaluated to determine expected credit losses (in thousands):


	March 31, 2025
	Real Estate		Other		Total
Commercial real estate:
Non-owner occupied	$	720	$	—	$	720
Owner occupied		3,563				3,563
Consumer real estate		462		—		462
Construction and land development		—		—		—
Commercial and industrial		—		2,149		2,149
Leases		—		—		—
Consumer and other		—		—		—
Total	$	4,745	$	2,149	$	6,894

	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