
	September 30,		December 31,
(in thousands)	2025		2024
Commercial construction	$	169,928	$	131,617
Commercial real estate owner occupied		342,237		302,074
Commercial real estate non-owner occupied		1,473,136		1,358,903
Tax exempt and other		42,395		44,275
Commercial and industrial		340,907		319,766
Residential real estate		1,089,550		888,251
Home equity		110,988		94,141
Consumer other		14,575		8,069
Total loans		3,583,716		3,147,096
Allowance for credit losses		33,940		28,744
Net loans	$	3,549,776	$	3,118,352


	At or for the Three Months Ended September 30, 2025
	Balance at
	Beginning of						Acquired PCD		Provision/		Balance at
(in thousands)	Period		Charge Offs		Recoveries		Loans⁽¹⁾		(Credit)		End of Period
Commercial construction	$	2,032	$	—	$	—	$	—	$	490	$	2,522
Commercial real estate owner occupied		2,823		—		—		76		292		3,191
Commercial real estate non-owner occupied		10,980		—		—		301		1,418		12,699
Tax exempt		110		—		—		—		18		128
Commercial and industrial		5,664		(236)		12		1,174		(329)		6,285
Residential real estate		6,406		—		18		53		1,547		8,024
Home equity		786		—		2		2		129		919
Consumer other		84		(117)		5		16		184		172
Total	$	28,885	$	(353)	$	37	$	1,622	$	3,749	$	33,940

(1)	Upon acquisition of Woodsville the Company designated certain acquired loans with an unpaid principal balance of $11.2 million as PCD loans. Refer to Note 2 for further discussion of the Company's designation of PCD loans.


	At or for the Nine Months Ended September 30, 2025
	Balance at
	Beginning of						Acquired PCD		Provision/		Balance at
(in thousands)	Period		Charge Offs		Recoveries		Loans⁽¹⁾		(Credit)		End of Period
Commercial construction	$	2,096	$	—	$	—	$	—	$	426	$	2,522
Commercial real estate owner occupied		2,794		—		—		76		321		3,191
Commercial real estate non-owner occupied		11,104		—		—		301		1,294		12,699
Tax exempt and other		128		—		—		—		—		128
Commercial and industrial		5,064		(480)		15		1,174		512		6,285
Residential real estate		6,732		—		28		53		1,211		8,024
Home equity		741		—		9		2		167		919
Consumer other		85		(223)		5		16		289		172
Total	$	28,744	$	(703)	$	57	$	1,622	$	4,220	$	33,940

(1)	Upon acquisition of Woodsville the Company designated certain acquired loans with an unpaid principal balance of $11.2 million as PCD loans. Refer to Note 2 for further discussion of the Company's designation of PCD loans.


	At or for the Three Months Ended September 30, 2024
	Balance at
	Beginning of						Provision/		Balance at
(in thousands)	Period		Charge Offs		Recoveries		(Credit)		End of Period
Commercial construction	$	4,217	$	—	$	—	$	(1,464)	$	2,753
Commercial real estate owner occupied		2,620		—		—		314		2,934
Commercial real estate non-owner occupied		9,574		—		—		965		10,539
Tax exempt		110		—		—		7		117
Commercial and industrial		3,982		(9)		1		217		4,191
Residential real estate		7,516		—		5		51		7,572
Home equity		763		—		3		80		846
Consumer other		73		(89)		29		58		71
Total	$	28,855	$	(98)	$	38	$	228	$	29,023


	At or for the Nine Months Ended September 30, 2024
	Balance at
	Beginning of						Provision/		Balance at
(in thousands)	Period		Charge Offs		Recoveries		(Credit)		End of Period
Commercial construction	$	4,261	$	—	$	—	$	(1,508)	$	2,753
Commercial real estate owner occupied		2,863		(3)		—		74		2,934
Commercial real estate non-owner occupied		9,443		—		—		1,096		10,539
Tax exempt and other		119		—		—		(2)		117
Commercial and industrial		3,259		(91)		17		1,006		4,191
Residential real estate		7,352		—		13		207		7,572
Home equity		767		—		8		71		846
Consumer other		78		(223)		58		158		71
Total	$	28,142	$	(317)	$	96	$	1,102	$	29,023


	September 30, 2025
(in thousands)	30-59		60-89		90+		Total Past Due		Current		Total Loans
Commercial construction	$	—	$	—	$	—	$	—	$	169,928	$	169,928
Commercial real estate owner occupied		—		—		155		155		342,082		342,237
Commercial real estate non-owner occupied		—		—		127		127		1,473,009		1,473,136
Tax exempt and other		—		—		—		—		42,395		42,395
Commercial and industrial		1,056		300		733		2,089		338,818		340,907
Residential real estate		817		923		2,701		4,441		1,085,109		1,089,550
Home equity		332		97		330		759		110,229		110,988
Consumer other		84		12		68		164		14,411		14,575
Total	$	2,289	$	1,332	$	4,114	$	7,735	$	3,575,981	$	3,583,716


	December 31, 2024
(in thousands)	30-59		60-89		90+		Total Past Due		Current		Total Loans
Commercial construction	$	—	$	—	$	—	$	—	$	131,617	$	131,617
Commercial real estate owner occupied		—		—		6		6		302,068		302,074
Commercial real estate non-owner occupied		184		—		93		277		1,358,626		1,358,903
Tax exempt and other		—		—		—		—		44,275		44,275
Commercial and industrial		428		227		578		1,233		318,533		319,766
Residential real estate		14,076		2,426		663		17,165		871,086		888,251
Home equity		963		441		193		1,597		92,544		94,141
Consumer other		35		20		1		56		8,013		8,069
Total	$	15,686	$	3,114	$	1,534	$	20,334	$	3,126,762	$	3,147,096


	September 30, 2025				December 31, 2024
(in thousands)	Real Estate		Other		Real Estate		Other
Commercial construction	$	—	$	—	$	—	$	—
Commercial real estate owner occupied		—		—		736		—
Commercial real estate non-owner occupied		—		—		277		—
Tax exempt and other		—		—		—		—
Commercial and industrial		—		579		1,099		—
Residential real estate		1,334		—		3,591		—
Home equity		—		—		1,267		—
Consumer other		—		—		24		—
Total	$	1,334	$	579	$	6,994	$	—


	Weighted-Average Months of Payment Delay		Weighted-Average Months of Term Extension		Weighted-Average Interest Rate Reduction
Three Months Ended September 30, 2025
Commercial construction		—		—	—	%
Commercial real estate owner occupied		—		—	—
Commercial real estate non-owner occupied		—		8	—
Tax exempt and other		—		—	—
Commercial and industrial		—		6	—
Residential real estate		—		—	—
Home equity		—		—	—
Consumer other		—		—	—

Nine Months Ended September 30, 2025
Commercial construction		—		—	—	%
Commercial real estate owner occupied		—		—	—
Commercial real estate non-owner occupied		—		8	—
Tax exempt and other		—		—	—
Commercial and industrial		—		35	—
Residential real estate		—		—	—
Home equity		—		—	—
Consumer other		—		—	—


	Weighted-Average Months of Payment Delay		Weighted-Average Months of Term Extension		Weighted-Average Interest Rate Reduction
Three Months Ended September 30, 2024
Commercial construction		—		—	—	%
Commercial real estate owner occupied		—		—	—
Commercial real estate non-owner occupied		—		—	—
Tax exempt and other		—		—	—
Commercial and industrial		—		58	—
Residential real estate		3		60	1.25
Home equity		—		—	—
Consumer other		—		—	—

Nine Months Ended September 30, 2024
Commercial construction		—		—	—	%
Commercial real estate owner occupied		—		—	—
Commercial real estate non-owner occupied		—		—	—
Tax exempt and other		—		—	—
Commercial and industrial		—		58	—
Residential real estate		3		61	1.25
Home equity		—		—	—
Consumer other		—		—	—