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Loan Restructurings (Tables) | 9 Months Ended
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Sep. 30, 2024
Debt Disclosure [Abstract] |
Schedule of Amortized Cost Basis for Loans Restructured |
Nine Months Ended September 30, 2024 |  | Amortized Cost |  |  |  |
(In Thousands of Dollars) |  | Payment Deferral |  |  | Principal Forgiveness |  |  | Interest Rate Reduction |  |  | Combination Term Extension and Interest Rate Reduction |  |  | Total |  |  | % of Total Class of Financing Receivable |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit |  | $ | 0 |  |  | $ | 0 |  |  | $ | 29 |  |  | $ | 20 |  |  | $ | 49 |  |  |  | 0.03 | %
Total modifications to borrowers experiencing financial difficulty |  | $ | 0 |  |  | $ | 0 |  |  | $ | 29 |  |  | $ | 20 |  |  | $ | 49 |  |  |  | 0.00 | %
Three Months Ended September 30, 2023 |  | Amortized Cost |  |  |  |
(In Thousands of Dollars) |  | Payment Deferral |  |  | Principal Forgiveness |  |  | Interest Rate Reduction |  |  | Combination Term Extension and Interest Rate Reduction |  |  | Total |  |  | % of Total Class of Financing Receivable |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  | $ | 0 |  |  | $ | 0 |  |  | $ | 31 |  |  | $ | 133 |  |  | $ | 164 |  |  |  | 0.02 | %
Total modifications to borrowers experiencing financial difficulty |  | $ | 0 |  |  | $ | 0 |  |  | $ | 31 |  |  | $ | 133 |  |  | $ | 164 |  |  |  | 0.01 | %
Nine Months Ended September 30, 2023 |  | Amortized Cost |  |  |  |
(In Thousands of Dollars) |  | Payment Deferral |  |  | Principal Forgiveness |  |  | Interest Rate Reduction |  |  | Combination Term Extension and Interest Rate Reduction |  |  | Total |  |  | % of Total Class of Financing Receivable |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 50 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 50 |  |  |  | 0.01 | %
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 0 |  |  |  | 0 |  |  |  | 31 |  |  |  | 133 |  |  |  | 164 |  |  |  | 0.02 | %
Total modifications to borrowers experiencing financial difficulty |  | $ | 50 |  |  | $ | 0 |  |  | $ | 31 |  |  | $ | 133 |  |  | $ | 214 |  |  |  | 0.01 | %
The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2024 and September 30, 2023: For the three month period ended September 30, 2024, there were no loan modification for borrowers experiencing financial difficulty.
|  | Payment Deferral |  | Term Extension |  |  | Interest Rate Reduction |
|  | Weighted-Average Years Added to the Life |  | Weighted-Average Years Added to the Life |  |  | Weighted-Average Contractual Interest Rate |
Nine Months Ended September 30, 2024 |  |  |  |  |  |  | From |  |  | To |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit |  |  |  |  |  |  |  |  | 10 |  |  |  | 10.45 | % |  |  | 5.91 | %
|  | Payment Deferral |  |  | Term Extension |  |  | Interest Rate Reduction |
|  | Weighted-Average Years Added to the Life |  |  | Reduction of Amortized Cost Basis of the Loans |  |  | Weighted-Average Contractual Interest Rate |
Three Months Ended September 30, 2023 |  |  |  |  |  |  |  | From |  |  | To |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  |  |  |  |  |  |  |  | 5 |  |  |  | 4.77 | % |  |  | 3.38 | %
|  | Payment Deferral |  |  | Term Extension |  |  | Interest Rate Reduction |
|  | Weighted-Average Years Added to the Life |  |  | Reduction of Amortized Cost Basis of the Loans |  |  | Weighted-Average Contractual Interest Rate |
Nine Months Ended September 30, 2023 |  |  |  |  |  |  |  | From |  |  | To |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  | 0.5 |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  |  |  |  |  |  |  |  | 5 |  |  |  | 4.77 | % |  |  | 3.38 | %
For the three and nine months ended
Schedule of Performance of Loans that Modified | The following table presents the performance of such loans that have been modified in the three and nine months ended September 30, 2024 and September 30, 2023: For the three month period ended September 30, 2024, there were no loan modification for borrowers experiencing financial difficulty.
Nine Months Ended September 30, 2024 |  | Payment status (Amortized cost Basis) |
(In Thousands of Dollars) |  | Current |  |  | 30-89 Days past due |  |  | 90+ Days past due |
Accrual restructured loans |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |
Home equity lines of credit |  | $ | 0 |  |  | $ | 20 |  |  | $ | 0 |
Total accruing restructured loans |  | $ | 0 |  |  | $ | 20 |  |  | $ | 0 |
Nonaccrual restructured loans |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |
Home equity lines of credit |  |  | 0 |  |  |  | 0 |  |  |  | 29 |
Total nonaccrual restructured loans |  | $ | 0 |  |  | $ | 0 |  |  | $ | 29 |
Total restructured loans |  | $ | 0 |  |  | $ | 20 |  |  | $ | 29 |
Three Months Ended September 30, 2023 |  | Payment status (Amortized cost Basis) |
(In Thousands of Dollars) |  | Current |  |  | 30-89 Days past due |  |  | 90+ Days past due |
Residential real estate |  |  |  |  |  |  |  |  |
1-4 family residential |  | $ | 164 |  |  | $ | 0 |  |  | $ | 0 |
Total accruing restructured loans |  | $ | 164 |  |  | $ | 0 |  |  | $ | 0 |
Total restructured loans |  | $ | 164 |  |  | $ | 0 |  |  | $ | 0 |
Nine Months Ended September 30, 2023 |  | Payment status (Amortized cost Basis) |
(In Thousands of Dollars) |  | Current |  |  | 30-89 Days past due |  |  | 90+ Days past due |
Commercial |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 50 |  |  | $ | 0 |  |  | $ | 0 |
Residential real estate |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 164 |  |  |  | 0 |  |  |  | 0 |
Total accruing restructured loans |  | $ | 214 |  |  | $ | 0 |  |  | $ | 0 |
Nonaccrual restructured loans |  |  |  |  |  |  |  |  |
Total nonaccrual restructured loans |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
Total restructured loans |  | $ | 214 |  |  | $ | 0 |  |  | $ | 0 |

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