Loans

Aging Analysis of Past Due And Nonaccrual Loans by Loan Class

September 30, 2024

90+ days

30‑59 days

60‑89 days

and still

Total past

(In thousands)

past due

accruing

Nonaccrual

due

Current

Total loans

SBA loans held for investment

$

567

$

678

$

—

$

3,646

$

4,891

$

33,013

$

37,904

Commercial loans

SBA 504 loans

—

45,307

Commercial & industrial

—

1,450

138,185

139,635

Commercial real estate

2,202

3,719

—

2,224

8,145

1,043,313

1,051,458

Commercial real estate construction

—

132,363

Residential mortgage loans

8,007

5,758

—

5,053

18,818

604,711

623,529

Consumer loans

Home equity

165

2,205

—

100

2,470

66,368

68,838

Consumer other

42

22

—

64

3,389

3,453

Residential construction loans

—

547

98,145

98,692

Total loans held for investment, excluding SBA PPP

10,983

12,382

—

13,020

36,385

2,164,794

2,201,179

SBA loans held for sale

4,666

677

—

5,343

9,278

14,621

Total loans, excluding SBA PPP

$

15,649

$

13,059

$

—

$

13,020

$

41,728

$

2,174,072

$

2,215,800


	December 31, 2023
					90+ days
	30‑59 days		60‑89 days		and still				Total past
(In thousands)	past due		past due		accruing		Nonaccrual		due		Current		Total loans
SBA loans held for investment	$	551	$	185	$	—	$	3,444	$	4,180	$	34,404	$	38,584
Commercial loans
SBA 504 loans		—		—		—		—		—		33,669		33,669
Commercial & industrial		288		78		—		283		649		127,753		128,402
Commercial real estate		1,732		—		—		1,665		3,397		982,833		986,230
Commercial real estate construction		—		—		—		—		—		129,159		129,159
Residential mortgage loans		8,719		1,378		946		10,326		21,369		610,137		631,506
Consumer loans
Home equity		14		—		—		381		395		66,642		67,037
Consumer other		28		55		—		—		83		5,556		5,639
Residential construction loans		2,580		—		—		2,141		4,721		126,556		131,277
Total loans held for investment, excluding SBA PPP		13,912		1,696		946		18,240		34,794		2,116,709		2,151,503
SBA loans held for sale		—		—		—		—		—		18,242		18,242
Total loans, excluding SBA PPP	$	13,912	$	1,696	$	946	$	18,240	$	34,794	$	2,134,951	$	2,169,745

Schedule of Loan Classification Risk by Loan Portfolio Classification by Origination Year



	Term Loans
	Amortized Cost Basis by Origination Year, September 30, 2024

(In thousands)		2024		2023		2022		2021		2020		2019 and Earlier		Revolving Loans Amortized Cost Basis		Total
SBA loans held for investment
Risk Rating:
Pass	$	2,707	$	2,270	$	8,003	$	11,869	$	5,900	$	77	$	633	$	31,459
Special Mention		-		94		1,773		356		510		150		-		2,883
Substandard		-		-		1,256		2,116		189		1		-		3,562
Total SBA loans held for investment	$	2,707	$	2,364	$	11,032	$	14,341	$	6,599	$	228	$	633	$	37,904
SBA loans held for investment
Current-period gross writeoffs	$	-	$	-	$	-	$	70	$	-	$	-	$	-	$	70

SBA PPP loans
Risk Rating:
Pass	$	-	$	-	$	-	$	1,593	$	-	$	-	$	-	$	1,593
Total SBA PPP loans	$	-	$	-	$	-	$	1,593	$	-	$	-	$	-	$	1,593

Commercial loans
Risk Rating:
Pass	$	115,789	$	123,459	$	236,083	$	139,995	$	99,454	$	246,659	$	390,330	$	1,351,769
Special Mention		-		-		6,314		1,738		-		3,195		2,156		13,403
Substandard		-		-		5		1		1,413		415		1,757		3,591
Total commercial loans	$	115,789	$	123,459	$	242,402	$	141,734	$	100,867	$	250,269	$	394,243	$	1,368,763
Commercial loans
Current-period gross writeoffs	$	-	$	-	$	38	$	138	$	-	$	106	$	-	$	282

Residential mortgage loans
Risk Rating:
Performing	$	63,872	$	80,322	$	233,246	$	67,929	$	47,563	$	124,260	$	1,284	$	618,476
Nonperforming		-		2,171		930		525		-		1,427		-		5,053
Total residential mortgage loans	$	63,872	$	82,493	$	234,176	$	68,454	$	47,563	$	125,687	$	1,284	$	623,529

Consumer loans
Risk Rating:
Performing	$	4,544	$	4,194	$	7,429	$	5,188	$	3,747	$	11,322	$	35,767	$	72,191
Nonperforming		-		-		-		-		-		-		100		100
Total consumer loans	$	4,544	$	4,194	$	7,429	$	5,188	$	3,747	$	11,322	$	35,867	$	72,291
Consumer loans
Current-period gross writeoffs	$	-	$	-	$	21	$	49	$	-	$	198	$	-	$	268

Residential construction
Risk Rating:
Pass	$	26,322	$	23,505	$	37,393	$	2,049	$	491	$	1,357	$	7,028	$	98,145
Substandard		-		-		-		-		-		-		547		547
Total residential construction loans	$	26,322	$	23,505	$	37,393	$	2,049	$	491	$	1,357	$	7,575	$	98,692
Residential construction
Current-period gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	277	$	-	$	277

Total loans held for investment	$	213,234	$	236,015	$	532,432	$	233,359	$	159,267	$	388,863	$	439,602	$	2,202,772


	Term Loans
	Amortized Cost Basis by Origination Year, December 31, 2023
(In thousands)		2023		2022		2021		2020		2019		2018 and Earlier		Revolving Loans Amortized Cost Basis		Total
SBA loans held for investment
Risk Rating:
Pass	$	1,938	$	5,339	$	4,723	$	6,083	$	2,634	$	10,996	$	-	$	31,713
Special Mention		-		1,765		356		510		-		31		-		2,662
Substandard		-		1,256		2,186		190		-		577		-		4,209
Total SBA loans held for investment	$	1,938	$	8,360	$	7,265	$	6,783	$	2,634	$	11,604	$	-	$	38,584
SBA loans held for investment
Current-period gross writeoffs	$	-	$	100	$	-	$	-	$	113	$	-	$	-	$	213

SBA PPP loans
Risk Rating:
Pass	$	-	$	-	$	2,318	$	-	$	-	$	-	$	-	$	2,318
Total SBA PPP loans	$	-	$	-	$	2,318	$	-	$	-	$	-	$	-	$	2,318

Commercial loans
Risk Rating:
Pass	$	139,622	$	343,755	$	181,419	$	128,165	$	101,274	$	271,469	$	96,988	$	1,262,692
Special Mention		-		-		1,815		-		1,570		7,423		395		11,203
Substandard		-		-		59		14		288		3,204		-		3,565
Total commercial loans	$	139,622	$	343,755	$	183,293	$	128,179	$	103,132	$	282,096	$	97,383	$	1,277,460
Commercial loans
Current-period gross writeoffs	$	-	$	-	$	150	$	-	$	350	$	252	$	-	$	752

Residential mortgage loans
Risk Rating:
Performing	$	102,892	$	253,919	$	72,586	$	51,999	$	30,482	$	109,302	$	-	$	621,180
Nonperforming		-		2,964		2,714		1,054		945		2,649		-		10,326
Total residential mortgage loans	$	102,892	$	256,883	$	75,300	$	53,053	$	31,427	$	111,951	$	-	$	631,506
Residential mortgage loans
Current-period gross writeoffs	$	-	$	-	$	25	$	-	$	-	$	68	$	-	$	93

Consumer loans
Risk Rating:
Performing	$	3,428	$	4,777	$	3,681	$	670	$	2,481	$	7,507	$	49,751	$	72,295
Nonperforming		-		-		-		125		-		256		-		381
Total consumer loans	$	3,428	$	4,777	$	3,681	$	795	$	2,481	$	7,763	$	49,751	$	72,676
Consumer loans
Current-period gross writeoffs	$	-	$	26	$	552	$	-	$	-	$	-	$	-	$	578

Residential construction
Risk Rating:
Performing	$	28,827	$	72,257	$	25,395	$	1,418	$	491	$	748	$	-	$	129,136
Nonperforming		-		-		-		547		-		1,594		-		2,141
Total residential construction loans	$	28,827	$	72,257	$	25,395	$	1,965	$	491	$	2,342	$	-	$	131,277
Residential construction
Current-period gross writeoffs	$	-	$	-	$	-	$	-	$	-	$	600	$	400	$	1,000

Total loans held for investment	$	276,707	$	686,032	$	297,252	$	190,775	$	140,165	$	415,756	$	147,134	$	2,153,821