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v3.25.3

Loans by Type (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Summary of Loan Categories | A summary of loans is as follows:
(In thousands) | September 30, 2025 |  | December 31, 2024
Commercial and industrial | $ | 569,739 |  |  | $ | 559,262 |
Real estate: |  |  |
Commercial: |  |  |
Mortgage | 101,242 |  |  | 119,194 |
Construction | 10,302 |  |  | 9,134 |
Faith-based: |  |  |
Mortgage | 378,820 |  |  | 368,881 |
Construction | 28,244 |  |  | 25,518 |
Total loans | $ | 1,088,347 |  |  | $ | 1,081,989 |
Schedule of Debt | The following table presents the aging of loans past due by category at September 30, 2025 and December 31, 2024:
| Performing |  | Nonperforming |  |
(In thousands) | Current |  | 30-59 Days |  | 60-89 Days |  | 90 Days and Over |  | Non- accrual |  | Total Loans
September 30, 2025 |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 565,969 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3,770 |  |  | $ | 569,739 |
Real estate |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Mortgage | 97,938 |  |  | — |  |  | — |  |  | — |  |  | 3,304 |  |  | 101,242 |
Construction | 10,302 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,302 |
Faith-based: |  |  |  |  |  |  |  |  |  |  |
Mortgage | 378,820 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 378,820 |
Construction | 28,244 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 28,244 |
Total | $ | 1,081,273 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,074 |  |  | $ | 1,088,347 |
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 559,262 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 559,262 |
Real estate |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Mortgage | 119,194 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 119,194 |
Construction | 9,134 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,134 |
Faith-based: |  |  |  |  |  |  |  |  |  |  |
Mortgage | 368,881 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 368,881 |
Construction | 25,518 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 25,518 |
Total | $ | 1,081,989 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,081,989 |
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, 2025 and December 31, 2024:
(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, 2025 |  |  |  |  |  |  |
Commercial and industrial | $ | 533,678 |  |  | $ | 32,291 |  |  | $ | 3,770 |  |  | $ | 569,739 |
Real estate |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |
Mortgage | 93,982 |  |  | 3,956 |  |  | 3,304 |  |  | 101,242 |
Construction | 10,302 |  |  | — |  |  | — |  |  | 10,302 |
Faith-based: |  |  |  |  |  |  |
Mortgage | 368,216 |  |  | 10,604 |  |  | — |  |  | 378,820 |
Construction | 28,244 |  |  | — |  |  | — |  |  | 28,244 |
Total | $ | 1,034,422 |  |  | $ | 46,851 |  |  | $ | 7,074 |  |  | $ | 1,088,347 |
December 31, 2024 |  |  |  |  |  |  |
Commercial and industrial | $ | 527,690 |  |  | $ | 31,572 |  |  | $ | — |  |  | $ | 559,262 |
Real estate |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |
Mortgage | 116,063 |  |  | 3,131 |  |  | — |  |  | 119,194 |
Construction | 9,134 |  |  | — |  |  | — |  |  | 9,134 |
Faith-based: |  |  |  |  |  |  |
Mortgage | 352,356 |  |  | 16,525 |  |  | — |  |  | 368,881 |
Construction | 25,518 |  |  | — |  |  | — |  |  | 25,518 |
Total | $ | 1,030,761 |  |  | $ | 51,228 |  |  | $ | — |  |  | $ | 1,081,989 |
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.
Financing Receivable, Troubled Debt Restructuring | The following table shows the amortized cost of loans that were both experiencing financial difficulty and modified during the nine months ended September 30, 2025, segregated by category and type of modification.
(In thousands) | Payment Delay |  | Term Extension |  | Interest Rate Reduction |  | Combination Term Extension and Interest Rate Reduction |  | Percentage of Total Loans Held for Investment
September 30, 2025 |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 27,930 |  |  | $ | — |  |  | $ | — |  |  | 4.90 | %
Total | $ | — |  |  | $ | 27,930 |  |  | $ | — |  |  | $ | — |  |  | 2.57 | %
The following table shows the payment status of loans that have been modified to borrowers experiencing financial difficulty in the last twelve months:
(In thousands) | Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due
Commercial and industrial | $ | 27,930 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | — | %
Total | $ | 27,930 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Summary of ACL by Category | A summary of the activity in the allowance for credit losses (“ACL”) by category for the nine months ended September 30, 2025 and year-ended December 31, 2024 is as follows:
(In thousands) | C&I |  | CRE |  | Faith-based CRE |  | Construction |  | Total
Balance at January 1, 2024 | $ | 5,412 |  |  | $ | 1,093 |  |  | $ | 6,476 |  |  | $ | 108 |  |  | $ | 13,089 |
Provision for (release of) credit losses | 485 |  |  | (70) |  |  | (218) |  |  | 109 |  |  | 306 |
Balance at December 31, 2024 | $ | 5,897 |  |  | $ | 1,023 |  |  | $ | 6,258 |  |  | $ | 217 |  |  | $ | 13,395 |
Provision for (release of) credit losses (1) | 279 |  |  | (14) |  |  | 359 |  |  | 47 |  |  | 671 |
Balance at September 30, 2025 | $ | 6,176 |  |  | $ | 1,009 |  |  | $ | 6,617 |  |  | $ | 264 |  |  | $ | 14,066 |
(1) | For the nine months ended September 30, 2025, there was a provision for credit losses of $66,000 for unfunded commitments.

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