
	June 30,		December 31,
(in thousands)	2023		2022
Commercial construction	$	147,654	$	117,577
Commercial real estate owner occupied		288,351		244,814
Commercial real estate non-owner occupied		1,161,649		1,146,674
Tax exempt		46,472		42,879
Commercial and industrial		309,865		297,112
Residential real estate		957,312		954,968
Home equity		88,381		90,865
Consumer other		7,796		7,801
Total loans		3,007,480		2,902,690
Allowance for credit losses		27,362		25,860
Net loans	$	2,980,118	$	2,876,830


	At or for the Three Months Ended June 30, 2023
	Balance at
	Beginning of								Balance at
(in thousands)	Period		Charge Offs		Recoveries		Provision		End of Period
Commercial construction	$	3,034	$	—	$	—	$	343	$	3,377
Commercial real estate owner occupied		2,348		—		139		79		2,566
Commercial real estate non-owner occupied		9,344		—		—		137		9,481
Tax exempt		93		—		—		8		101
Commercial and industrial		3,615		(121)		49		70		3,613
Residential real estate		7,305		(4)		7		68		7,376
Home equity		792		(12)		2		(14)		768
Consumer other		76		(62)		7		59		80
Total	$	26,607	$	(199)	$	204	$	750	$	27,362


	At or for the Six Months Ended June 30, 2023
	Balance at
	Beginning of								Balance at
(in thousands)	Period		Charge Offs		Recoveries		Provision		End of Period
Commercial construction	$	2,579	$	—	$	—	$	798	$	3,377
Commercial real estate owner occupied		2,189		—		139		238		2,566
Commercial real estate non-owner occupied		9,341		—		—		140		9,481
Tax exempt		93		—		—		8		101
Commercial and industrial		3,493		(122)		55		187		3,613
Residential real estate		7,274		(8)		15		95		7,376
Home equity		811		(12)		4		(35)		768
Consumer other		80		(125)		8		117		80
Total	$	25,860	$	(267)	$	221	$	1,548	$	27,362


	At or for the Three Months Ended June 30, 2022
	Balance at
	Beginning of								Balance at
(in thousands)	Period		Charge Offs		Recoveries		Provision		End of Period
Commercial construction	$	1,001	$	—	$	—	$	9	$	1,010
Commercial real estate owner occupied		2,673		—		61		(12)		2,722
Commercial real estate non-owner occupied		7,007		—		—		354		7,361
Tax exempt		—		—		—		105		105
Commercial and industrial		4,739		—		12		69		4,820
Residential real estate		6,878		—		6		(78)		6,806
Home equity		827		(4)		15		27		865
Consumer other		65		(58)		—		60		67
Total	$	23,190	$	(62)	$	94	$	534	$	23,756


	At or for the Six Months Ended June 30, 2022
	Balance at
	Beginning of								Balance at
(in thousands)	Period		Charge Offs		Recoveries		Provision		End of Period
Commercial construction	$	2,111	$	—	$	—	$	(1,101)	$	1,010
Commercial real estate owner occupied		2,751		—		113		(142)		2,722
Commercial real estate non-owner occupied		5,650		—		—		1,711		7,361
Tax exempt		86		—		—		19		105
Commercial and industrial		5,369		—		37		(586)		4,820
Residential real estate		5,862		(15)		98		861		6,806
Home equity		814		(6)		20		37		865
Consumer other		75		(124)		4		112		67
Total	$	22,718	$	(145)	$	272	$	911	$	23,756


	June 30, 2023
(in thousands)	30-59		60-89		90+		Total Past Due		Current		Total Loans
Commercial construction	$	—	$	399	$	—	$	399	$	147,255	$	147,654
Commercial real estate owner occupied		59		—		—		59		288,292		288,351
Commercial real estate non-owner occupied		249		—		127		376		1,161,273		1,161,649
Tax exempt		—		—		—		—		46,472		46,472
Commercial and industrial		420		—		303		723		309,142		309,865
Residential real estate		265		996		2,268		3,529		953,783		957,312
Home equity		104		165		372		641		87,740		88,381
Consumer other		32		17		—		49		7,747		7,796
Total	$	1,129	$	1,577	$	3,070	$	5,776	$	3,001,704	$	3,007,480


	December 31, 2022
(in thousands)	30-59		60-89		90+		Total Past Due		Current		Total Loans
Commercial construction	$	—	$	—	$	—	$	—	$	117,577	$	117,577
Commercial real estate owner occupied		385		—		—		385		244,429		244,814
Commercial real estate non-owner occupied		45		145		139		329		1,146,345		1,146,674
Tax exempt		—		—		—		—		42,879		42,879
Commercial and industrial		169		—		9		178		296,934		297,112
Residential real estate		803		348		2,029		3,180		951,788		954,968
Home equity		216		160		246		622		90,243		90,865
Consumer other		41		8		—		49		7,752		7,801
Total	$	1,659	$	661	$	2,423	$	4,743	$	2,897,947	$	2,902,690


	June 30, 2023				December 31, 2022
(in thousands)	Real Estate		Other		Real Estate		Other
Commercial construction	$	—	$	—	$	—	$	—
Commercial real estate owner occupied		117		—		439		—
Commercial real estate non-owner occupied		603		—		550		—
Tax exempt		—		—		—		—
Commercial and industrial		385		1,429		91		116
Residential real estate		3,604		—		4,385		—
Home equity		557		—		963		—
Consumer other		8		—		5		—
Total	$	5,274	$	1,429	$	6,433	$	116


(in thousands)	Weighted-Average Months of Term Extension		Weighted-Average Interest Rate Reduction
Three Months Ended June 30, 2023
Commercial construction		—	—	%
Commercial real estate owner occupied		—	—
Commercial real estate non-owner occupied		—	—
Tax exempt		—	—
Commercial and industrial		3.82	3.75
Residential real estate		—	1.38
Home equity		—	—
Consumer other		—	—
Total		3.82	5.13	%

Six Months Ended June 30, 2023
Commercial construction		—	—	%
Commercial real estate owner occupied		—	—
Commercial real estate non-owner occupied		—	—
Tax exempt		—	—
Commercial and industrial		3.82	3.75
Residential real estate		—	1.38
Home equity		—	—
Consumer other		—	—
Total		3.82	5.13	%