
	September 30,		December 31,
(in thousands)	2023		2022
Commercial construction	$	147,423	$	117,577
Commercial real estate owner occupied		282,717		244,814
Commercial real estate non-owner occupied		1,168,877		1,146,674
Tax exempt		44,247		42,879
Commercial and industrial		306,279		297,112
Residential real estate		947,339		954,968
Home equity		88,064		90,865
Consumer other		7,845		7,801
Total loans		2,992,791		2,902,690
Allowance for credit losses		28,011		25,860
Net loans	$	2,964,780	$	2,876,830


	At or for the Three Months Ended September 30, 2023
	Balance at
	Beginning of								Balance at
(in thousands)	Period		Charge Offs		Recoveries		Provision		End of Period
Commercial construction	$	3,377	$	—	$	—	$	300	$	3,677
Commercial real estate owner occupied		2,566		—		—		(81)		2,485
Commercial real estate non-owner occupied		9,481		—		—		72		9,553
Tax exempt		101		—		—		(5)		96
Commercial and industrial		3,613		—		34		558		4,205
Residential real estate		7,376		—		13		(243)		7,146
Home equity		768		—		1		(4)		765
Consumer other		80		(74)		2		76		84
Total	$	27,362	$	(74)	$	50	$	673	$	28,011


	At or for the Nine Months Ended September 30, 2023
	Balance at
	Beginning of								Balance at
(in thousands)	Period		Charge Offs		Recoveries		Provision		End of Period
Commercial construction	$	2,579	$	—	$	—	$	1,098	$	3,677
Commercial real estate owner occupied		2,189		—		142		154		2,485
Commercial real estate non-owner occupied		9,341		—		—		212		9,553
Tax exempt		93		—		—		3		96
Commercial and industrial		3,493		(122)		86		748		4,205
Residential real estate		7,274		(8)		28		(148)		7,146
Home equity		811		(12)		5		(39)		765
Consumer other		80		(199)		10		193		84
Total	$	25,860	$	(341)	$	271	$	2,221	$	28,011


	At or for the Three Months Ended September 30, 2022
	Balance at
	Beginning of								Balance at
(in thousands)	Period		Charge Offs		Recoveries		Provision		End of Period
Commercial construction	$	1,010	$	—	$	—	$	213	$	1,223
Commercial real estate owner occupied		2,722		—		7		132		2,861
Commercial real estate non-owner occupied		7,361		—		—		610		7,971
Tax exempt		105		—		—		(11)		94
Commercial and industrial		4,820		(8)		20		290		5,122
Residential real estate		6,806		(11)		6		85		6,886
Home equity		865		—		2		(76)		791
Consumer other		67		(66)		6		63		70
Total	$	23,756	$	(85)	$	41	$	1,306	$	25,018


	At or for the Nine Months Ended Septembere 30, 2022
	Balance at
	Beginning of								Balance at
(in thousands)	Period		Charge Offs		Recoveries		Provision		End of Period
Commercial construction	$	2,111	$	—	$	—	$	(888)	$	1,223
Commercial real estate owner occupied		2,751		—		120		(10)		2,861
Commercial real estate non-owner occupied		5,650		—		—		2,321		7,971
Tax exempt		86		—		—		8		94
Commercial and industrial		5,369		(14)		56		(289)		5,122
Residential real estate		5,862		(26)		103		947		6,886
Home equity		814		(6)		22		(39)		791
Consumer other		75		(181)		9		167		70
Total	$	22,718	$	(227)	$	310	$	2,217	$	25,018


	September 30, 2023
(in thousands)	30-59		60-89		90+		Total Past Due		Current		Total Loans
Commercial construction	$	—	$	—	$	—	$	—	$	147,423	$	147,423
Commercial real estate owner occupied		246		—		—		246		282,471		282,717
Commercial real estate non-owner occupied		—		115		871		986		1,167,891		1,168,877
Tax exempt		—		—		—		—		44,247		44,247
Commercial and industrial		45		—		158		203		306,076		306,279
Residential real estate		2,227		690		2,103		5,020		942,319		947,339
Home equity		479		99		195		773		87,291		88,064
Consumer other		22		8		3		33		7,812		7,845
Total	$	3,019	$	912	$	3,330	$	7,261	$	2,985,530	$	2,992,791


	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


	September 30, 2023				December 31, 2022
(in thousands)	Real Estate		Other		Real Estate		Other
Commercial construction	$	—	$	—	$	—	$	—
Commercial real estate owner occupied		111		—		439		—
Commercial real estate non-owner occupied		570		—		550		—
Tax exempt		—		—		—		—
Commercial and industrial		258		1,338		91		116
Residential real estate		3,858		—		4,385		—
Home equity		626		—		963		—
Consumer other		9		—		5		—
Total	$	5,432	$	1,338	$	6,433	$	116


(in thousands)	Weighted-Average Months of Payment Delay		Weighted-Average Months of Term Extension		Weighted-Average Interest Rate Reduction
Three Months Ended September 30, 2023
Commercial construction		—		—	—	%
Commercial real estate owner occupied		—		—	—
Commercial real estate non-owner occupied		—		—	—
Tax exempt		—		—	—
Commercial and industrial		3.00		3.82	3.75
Residential real estate		—		—	1.38
Home equity		—		—	—
Consumer other		—		—	—
Total		3.00		3.82	5.13	%

Nine Months Ended September 30, 2023
Commercial construction		—		—	—	%
Commercial real estate owner occupied		—		—	—
Commercial real estate non-owner occupied		—		—	—
Tax exempt		—		—	—
Commercial and industrial		3.00		3.82	3.75
Residential real estate		—		—	1.38
Home equity		—		—	—
Consumer other		—		—	—
Total		3.00		3.82	5.13	%