
	June 30,		December 31,
(in thousands)	2024		2023
Commercial construction	$	179,259	$	154,048
Commercial real estate owner occupied		277,385		310,015
Commercial real estate non-owner occupied		1,229,493		1,144,566
Tax exempt		38,118		43,688
Commercial and industrial		322,657		310,883
Residential real estate		918,578		940,334
Home equity		90,465		87,683
Consumer other		8,226		7,832
Total loans		3,064,181		2,999,049
Allowance for credit losses		28,855		28,142
Net loans	$	3,035,326	$	2,970,907


	At or for the Three Months Ended June 30, 2024
	Balance at
	Beginning of								Balance at
(in thousands)	Period		Charge Offs		Recoveries		Provision		End of Period
Commercial construction	$	3,697	$	—	$	—	$	520	$	4,217
Commercial real estate owner occupied		3,081		—		—		(461)		2,620
Commercial real estate non-owner occupied		9,155		—		—		419		9,574
Tax exempt		113		—		—		(3)		110
Commercial and industrial		3,834		(18)		16		150		3,982
Residential real estate		7,651		—		3		(138)		7,516
Home equity		752		—		1		10		763
Consumer other		72		(88)		1		88		73
Total	$	28,355	$	(106)	$	21	$	585	$	28,855


	At or for the Six Months Ended June 30, 2024
	Balance at
	Beginning of								Balance at
(in thousands)	Period		Charge Offs		Recoveries		Provision		End of Period
Commercial construction	$	4,261	$	—	$	—	$	(44)	$	4,217
Commercial real estate owner occupied		2,863		(3)		—		(240)		2,620
Commercial real estate non-owner occupied		9,443		—		—		131		9,574
Tax exempt		119		—		—		(9)		110
Commercial and industrial		3,259		(83)		17		789		3,982
Residential real estate		7,352		—		8		156		7,516
Home equity		767		—		4		(8)		763
Consumer other		78		(133)		29		99		73
Total	$	28,142	$	(219)	$	58	$	874	$	28,855


	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


	June 30, 2024
(in thousands)	30-59		60-89		90+		Total Past Due		Current		Total Loans
Commercial construction	$	—	$	—	$	—	$	—	$	179,259	$	179,259
Commercial real estate owner occupied		—		835		—		835		276,550		277,385
Commercial real estate non-owner occupied		206		—		89		295		1,229,198		1,229,493
Tax exempt		—		—		—		—		38,118		38,118
Commercial and industrial		172		45		1,094		1,311		321,346		322,657
Residential real estate		629		222		1,123		1,974		916,604		918,578
Home equity		542		214		75		831		89,634		90,465
Consumer other		35		39		1		75		8,151		8,226
Total	$	1,584	$	1,355	$	2,382	$	5,321	$	3,058,860	$	3,064,181


	December 31, 2023
(in thousands)	30-59		60-89		90+		Total Past Due		Current		Total Loans
Commercial construction	$	—	$	—	$	—	$	—	$	154,048	$	154,048
Commercial real estate owner occupied		—		—		—		—		310,015		310,015
Commercial real estate non-owner occupied		—		—		103		103		1,144,463		1,144,566
Tax exempt		—		—		—		—		43,688		43,688
Commercial and industrial		465		59		330		854		310,029		310,883
Residential real estate		1,520		627		1,999		4,146		936,188		940,334
Home equity		600		—		337		937		86,746		87,683
Consumer other		10		2		—		12		7,820		7,832
Total	$	2,595	$	688	$	2,769	$	6,052	$	2,992,997	$	2,999,049


	June 30, 2024				December 31, 2023
(in thousands)	Real Estate		Other		Real Estate		Other
Commercial construction	$	—	$	—	$	—	$	—
Commercial real estate owner occupied		91		—		104		—
Commercial real estate non-owner occupied		311		—		340		—
Tax exempt		—		—		—		—
Commercial and industrial		1,302		—		229		134
Residential real estate		3,652		—		3,908		—
Home equity		916		—		808		—
Consumer other		5		—		5		—
Total	$	6,277	$	—	$	5,394	$	134


(in thousands)	Weighted-Average Months of Payment Delay		Weighted-Average Months of Term Extension		Weighted-Average Interest Rate Reduction
Three Months Ended June 30, 2024
Commercial construction		—		—	—	%
Commercial real estate owner occupied		—		—	—
Commercial real estate non-owner occupied		—		—	—
Tax exempt		—		—	—
Commercial and industrial		—		—	—
Residential real estate		—		—	—
Home equity		—		—	—
Consumer other		—		—	—
Total		—		—	—	%
Six Months Ended June 30, 2024
Commercial construction		—		—	—	%
Commercial real estate owner occupied		—		—	—
Commercial real estate non-owner occupied		—		—	—
Tax exempt		—		—	—
Commercial and industrial		—		—	—
Residential real estate		—		64.00	—
Home equity		—		—	—
Consumer other		—		—	—
Total		—		64.00	—	%


(in thousands)	Weighted-Average Months of Payment Delay		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	—
Residential real estate		—		—	—
Home equity		—		—	—
Consumer other		—		—	—
Total		—		3.82	—	%
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	—
Residential real estate		—		—	—
Home equity		—		—	—
Consumer other		—		—	—
Total		—		3.82	—	%