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v3.25.3

Loans, net and allowance for credit losses - Changes in Allowance for Loan Losses Account by Major Classification of Loans (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024
Allowance for loan losses: |  |  |  |
Beginning Balance | $ 40,890 | $ 23,123 | $ 41,776 | $ 21,895
Charge-offs | (489) | (533) | (2,873) | (776)
Recoveries | 280 | 452 | 1,817 | 619
(Credits) provisions | (838) | 130 | (877) | 1,434
Ending balance | 39,843 | 39,341 | 39,843 | 39,341
Non-PCD loans |  |  |  |
Allowance for loan losses: |  |  |  |
Gross-up for PCD Allowance for Credit Losses at Acquisition |  | 14,328 |  | 14,328
PCD loans |  |  |  |
Allowance for loan losses: |  |  |  |
Gross-up for PCD Allowance for Credit Losses at Acquisition |  | 1,841 |  | 1,841
Commercial |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning Balance | 6,223 | 2,171 | 6,004 | 2,272
Charge-offs |  | (5) | (572) | (51)
Recoveries | 12 | 10 | 317 | 90
(Credits) provisions | (487) | (162) | (1) | (297)
Ending balance | 5,748 | 4,610 | 5,748 | 4,610
Commercial | Non-PCD loans |  |  |  |
Allowance for loan losses: |  |  |  |
Gross-up for PCD Allowance for Credit Losses at Acquisition |  | 2,259 |  | 2,259
Commercial | PCD loans |  |  |  |
Allowance for loan losses: |  |  |  |
Gross-up for PCD Allowance for Credit Losses at Acquisition |  | 337 |  | 337
Municipal |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning Balance | 1,446 | 711 | 1,072 | 788
(Credits) provisions | (43) | (321) | 331 | (398)
Ending balance | 1,403 | 963 | 1,403 | 963
Municipal | Non-PCD loans |  |  |  |
Allowance for loan losses: |  |  |  |
Gross-up for PCD Allowance for Credit Losses at Acquisition |  | 502 |  | 502
Municipal | PCD loans |  |  |  |
Allowance for loan losses: |  |  |  |
Gross-up for PCD Allowance for Credit Losses at Acquisition |  | 71 |  | 71
Commercial real estate |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning Balance | 20,620 | 15,156 | 21,804 | 14,153
Charge-offs | (95) | (26) | (157) | (27)
Recoveries | 116 | 70 | 682 | 70
(Credits) provisions | 569 | 2,172 | (1,119) | 3,176
Ending balance | 21,210 | 21,892 | 21,210 | 21,892
Commercial real estate | Non-PCD loans |  |  |  |
Allowance for loan losses: |  |  |  |
Gross-up for PCD Allowance for Credit Losses at Acquisition |  | 4,149 |  | 4,149
Commercial real estate | PCD loans |  |  |  |
Allowance for loan losses: |  |  |  |
Gross-up for PCD Allowance for Credit Losses at Acquisition |  | 371 |  | 371
Residential real estate |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning Balance | 5,006 | 4,230 | 4,924 | 3,782
Charge-offs |  |  | (92) |
Recoveries | 20 | 4 | 85 | 8
(Credits) provisions | (285) | (1,241) | (176) | (797)
Ending balance | 4,741 | 5,246 | 4,741 | 5,246
Residential real estate | Non-PCD loans |  |  |  |
Allowance for loan losses: |  |  |  |
Gross-up for PCD Allowance for Credit Losses at Acquisition |  | 1,785 |  | 1,785
Residential real estate | PCD loans |  |  |  |
Allowance for loan losses: |  |  |  |
Gross-up for PCD Allowance for Credit Losses at Acquisition |  | 468 |  | 468
Consumer |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning Balance | 2,181 | 855 | 2,540 | 900
Charge-offs | (151) | (444) | (797) | (640)
Recoveries | 109 | 310 | 427 | 393
(Credits) provisions | (346) | (528) | (377) | (460)
Ending balance | 1,793 | 1,983 | 1,793 | 1,983
Consumer | Non-PCD loans |  |  |  |
Allowance for loan losses: |  |  |  |
Gross-up for PCD Allowance for Credit Losses at Acquisition |  | 1,470 |  | 1,470
Consumer | PCD loans |  |  |  |
Allowance for loan losses: |  |  |  |
Gross-up for PCD Allowance for Credit Losses at Acquisition |  | 320 |  | 320
Equipment Financing |  |  |  |
Allowance for loan losses: |  |  |  |
Beginning Balance | 5,414 |  | 5,432 |
Charge-offs | (243) | (58) | (1,255) | (58)
Recoveries | 23 | 58 | 306 | 58
(Credits) provisions | (246) | 210 | 465 | 210
Ending balance | $ 4,948 | 4,647 | $ 4,948 | 4,647
Equipment Financing | Non-PCD loans |  |  |  |
Allowance for loan losses: |  |  |  |
Gross-up for PCD Allowance for Credit Losses at Acquisition |  | 4,163 |  | 4,163
Equipment Financing | PCD loans |  |  |  |
Allowance for loan losses: |  |  |  |
Gross-up for PCD Allowance for Credit Losses at Acquisition |  | $ 274 |  | $ 274

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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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