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Loans and Allowance for Credit Losses - Changes in allowance (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2024 | Mar. 31, 2023 | Dec. 31, 2023
Changes in the allowance |  |  |
Beginning balance | $ 35,843 | $ 31,146 | $ 31,146
Provision for credit losses | 799 | 269 |
Loan charge-offs | (205) | (257) | (613)
Loan recoveries | 147 | 87 |
Ending balance | 36,584 | 35,102 | 35,843
Provision (recovery) for off-balance sheet credit loss | (793) | 230 |
Debt securities held-to-maturity credit loss (reversal) | (6) | 51 |
Increase (Decrease) in allowance for credit loss | $ 700 |  |
Percentage of increase in ACL compared to previous year | 2.10% |  |
Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Changes in the allowance |  |  |
Beginning balance |  | 3,857 | 3,857
Commercial and industrial and commercial real estate portfolio |  |  |
Changes in the allowance |  |  |
Increase (Decrease) in allowance for credit loss | $ 1,000 |  |
Commercial |  |  |
Changes in the allowance |  |  |
Beginning balance | 27,902 | 23,431 | 23,431
Provision for credit losses | 767 | 79 |
Loan charge-offs | (193) | (175) |
Loan recoveries | 134 | 67 |
Ending balance | 28,610 | 25,113 | 27,902
Commercial | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Changes in the allowance |  |  |
Beginning balance |  | 1,711 | 1,711
Commercial | Commercial and industrial |  |  |
Changes in the allowance |  |  |
Beginning balance | 9,894 | 9,233 | 9,233
Provision for credit losses | 122 | (395) |
Loan charge-offs | (164) | (175) | (436)
Loan recoveries | 123 | 56 |
Ending balance | 9,975 | 8,012 | 9,894
Commercial | Commercial and industrial | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Changes in the allowance |  |  |
Beginning balance |  | (707) | (707)
Commercial | Real estate construction |  |  |
Changes in the allowance |  |  |
Beginning balance | 6,111 | 1,437 | 1,437
Provision for credit losses | (189) | 439 |
Ending balance | 5,922 | 4,425 | 6,111
Commercial | Real estate construction | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Changes in the allowance |  |  |
Beginning balance |  | 2,549 | 2,549
Commercial | Commercial real estate |  |  |
Changes in the allowance |  |  |
Beginning balance | 11,897 | 12,761 | 12,761
Provision for credit losses | 834 | 35 |
Loan charge-offs | (29) |  |
Loan recoveries | 11 | 11 |
Ending balance | 12,713 | 12,676 | 11,897
Commercial | Commercial real estate | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Changes in the allowance |  |  |
Beginning balance |  | (131) | (131)
Consumer |  |  |
Changes in the allowance |  |  |
Beginning balance | 7,941 | 7,715 | 7,715
Provision for credit losses | 32 | 190 |
Loan charge-offs | (12) | (82) |
Loan recoveries | 13 | 20 |
Ending balance | 7,974 | 9,989 | 7,941
Consumer | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Changes in the allowance |  |  |
Beginning balance |  | 2,146 | 2,146
Consumer | Residential | Real estate first mortgage |  |  |
Changes in the allowance |  |  |
Beginning balance | 6,578 | 5,858 | 5,858
Provision for credit losses | 63 | 187 |
Loan charge-offs |  |  | (49)
Loan recoveries |  | 2 |
Ending balance | 6,641 | 8,316 | 6,578
Consumer | Residential | Real estate first mortgage | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Changes in the allowance |  |  |
Beginning balance |  | 2,269 | 2,269
Consumer | Residential | Real estate junior lien |  |  |
Changes in the allowance |  |  |
Beginning balance | 1,151 | 1,317 | 1,317
Provision for credit losses | (3) | 121 |
Loan charge-offs |  | (77) | (77)
Loan recoveries |  | 6 |
Ending balance | 1,148 | 1,340 | 1,151
Consumer | Residential | Real estate junior lien | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Changes in the allowance |  |  |
Beginning balance |  | (27) | (27)
Consumer | Other revolving and installment |  |  |
Changes in the allowance |  |  |
Beginning balance | 212 | 540 | 540
Provision for credit losses | (28) | (118) |
Loan charge-offs | (12) | (5) | (51)
Loan recoveries | 13 | 12 |
Ending balance | $ 185 | 333 | 212
Consumer | Other revolving and installment | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment |  |  |
Changes in the allowance |  |  |
Beginning balance |  | $ (96) | $ (96)

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