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v3.22.2.2

Loans by Type (Tables) | 9 Months Ended
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Sep. 30, 2022
Receivables [Abstract] |
Summary of Loan Categories | A summary of loans is as follows:
(In thousands) | September 30, 2022 |  | December 31, 2021
Commercial and industrial | $ | 539,272 |  |  | $ | 450,336 |
Real estate: |  |  |
Commercial: |  |  |
Mortgage | 98,088 |  |  | 108,759 |
Construction | 26,284 |  |  | 24,797 |
Faith-based: |  |  |
Mortgage | 365,584 |  |  | 355,582 |
Construction | 7,853 |  |  | 14,664 |
Paycheck Protection Program (“PPP”) | — |  |  | 6,299 |
Other | 20 |  |  | 130 |
Total loans | $ | 1,037,101 |  |  | $ | 960,567 |
Schedule of Debt | The following table presents the aging of loans past due by category at September 30, 2022 and December 31, 2021:
| Performing |  | Nonperforming |  |
(In thousands) | Current |  | 30-59 Days |  | 60-89 Days |  | 90 Days and Over |  | Non- accrual |  | Total Loans
September 30, 2022 |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 539,272 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 539,272 |
Real estate |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Mortgage | 98,088 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 98,088 |
Construction | 26,284 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 26,284 |
Faith-based: |  |  |  |  |  |  |  |  |  |  |
Mortgage | 365,584 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 365,584 |
Construction | 7,853 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7,853 |
PPP | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other | 20 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 20 |
Total | $ | 1,037,101 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,037,101 |
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 450,336 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 450,336 |
Real estate |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Mortgage | 108,759 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 108,759 |
Construction | 24,797 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 24,797 |
Faith-based: |  |  |  |  |  |  |  |  |  |  |
Mortgage | 355,582 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 355,582 |
Construction | 14,664 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 14,664 |
PPP | 6,299 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6,299 |
Other | 130 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 130 |
Total | $ | 960,567 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 960,567 |
Schedule of Credit Exposure of the Loan Portfolio | The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of September 30, 2022 and December 31, 2021:
(In thousands) | Loans Subject to Normal Monitoring 1 |  | Performing Loans Subject to Special Monitoring 2 |  | Nonperforming Loans Subject to Special Monitoring 2 |  | Total Loans
September 30, 2022 |  |  |  |  |  |  |
Commercial and industrial | $ | 536,066 |  |  | $ | 3,206 |  |  | $ | — |  |  | $ | 539,272 |
Real estate |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |
Mortgage | 97,558 |  |  | 530 |  |  | — |  |  | 98,088 |
Construction | 26,284 |  |  | — |  |  | — |  |  | 26,284 |
Faith-based: |  |  |  |  |  |  |
Mortgage | 364,627 |  |  | 957 |  |  | — |  |  | 365,584 |
Construction | 7,853 |  |  | — |  |  | — |  |  | 7,853 |
Other | 20 |  |  | — |  |  | — |  |  | 20 |
Total | $ | 1,032,408 |  |  | $ | 4,693 |  |  | $ | — |  |  | $ | 1,037,101 |
December 31, 2021 |  |  |  |  |  |  |
Commercial and industrial | $ | 440,607 |  |  | $ | 9,729 |  |  | $ | — |  |  | $ | 450,336 |
Real estate |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |
Mortgage | 108,759 |  |  | — |  |  | — |  |  | 108,759 |
Construction | 24,797 |  |  | — |  |  | — |  |  | 24,797 |
Faith-based: |  |  |  |  |  |  |
Mortgage | 352,717 |  |  | 2,865 |  |  | — |  |  | 355,582 |
Construction | 14,664 |  |  | — |  |  | — |  |  | 14,664 |
PPP | 6,299 |  |  | — |  |  | — |  |  | 6,299 |
Other | 130 |  |  | — |  |  | — |  |  | 130 |
Total | $ | 947,973 |  |  | $ | 12,594 |  |  | $ | — |  |  | $ | 960,567 |
1 Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk, who have the apparent ability to satisfy their loan obligations.
2 Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.
Summary of ACL by Category | A summary of the activity in allowance for credit losses (“ACL”) by category for the periods ended September 30, 2022 and December 31, 2021 is as follows:
(In thousands) | C&I |  | CRE |  | Faith-based CRE |  | Construction |  | Total
Balance at December 31, 2020 | $ | 4,635 |  |  | $ | 1,175 |  |  | $ | 5,717 |  |  | $ | 417 |  |  | $ | 11,944 |
Provision for (release of) credit losses | 387 |  |  | (144) |  |  | (48) |  |  | (125) |  |  | 70 |
Recoveries | 12 |  |  | — |  |  | 15 |  |  | — |  |  | 27 |
Balance at December 31, 2021 | $ | 5,034 |  |  | $ | 1,031 |  |  | $ | 5,684 |  |  | $ | 292 |  |  | $ | 12,041 |
Provision for (release of) credit losses | 919 |  |  | (129) |  |  | 259 |  |  | (53) |  |  | 996 |
Recoveries | 12 |  |  | — |  |  | — |  |  | — |  |  | 12 |
Balance at September 30, 2022 | $ | 5,965 |  |  | $ | 902 |  |  | $ | 5,943 |  |  | $ | 239 |  |  | $ | 13,049 |

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