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Loans and Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2024

Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]

Schedule of the composition of the loan portfolio

The following table presents the composition of the loan portfolio:

(In thousands)			September 30, 2024						December 31, 2023
Commercial real estate			$	957,904					$	898,709
Residential mortgage			397,994						394,189
Commercial and industrial			152,148						152,344
Home equity lines of credit			84,316						90,163
Real estate construction			75,953						84,341
Consumer			9,773						9,954
Gross loans			1,678,088						1,629,700
Unearned income			(976)						(1,712)
Total loans, net of unearned income			$	1,677,112					$	1,627,988

Schedule of classes of loan portfolio summarized by the past due status

The following tables present the classes of the loan portfolio summarized by the past due status:

(In thousands)			30–59 Days Past Due						60–89 Days Past Due						≥ 90 Days Past Due						Total Past Due						Current						Total Loans Receivable						Loans Receivable ≥ 90 Days and Accruing
September 30, 2024
Commercial real estate			$	318					$	—					$	346					$	664					$	957,240					$	957,904					$	32
Residential mortgage			—						585						375						960						397,034						397,994						375
Commercial and industrial			138						50						175						363						151,785						152,148						19
Home equity lines of credit			454						—						—						454						83,862						84,316						—
Real estate construction			15						—						12						27						75,926						75,953						12
Consumer			21						—						—						21						9,752						9,773						—
Gross Loans			$	946					$	635					$	908					$	2,489					$	1,675,599					$	1,678,088					$	438

(In thousands)			30–59 Days Past Due						60–89 Days Past Due						≥ 90 Days Past Due						Total Past Due						Current						Total Loans Receivable						Loans Receivable ≥ 90 Days and Accruing
December 31, 2023
Commercial real estate			$	150					$	347					$	—					$	497					$	898,212					$	898,709					$	—
Residential mortgage			1,293						388						849						2,530						391,659						394,189						505
Commercial and industrial			50						—						159						209						152,135						152,344						—
Home equity lines of credit			414						—						654						1,068						89,095						90,163						654
Real estate construction			12						—						—						12						84,329						84,341						—
Consumer			8						—						3						11						9,943						9,954						3
Gross Loans			$	1,927					$	735					$	1,665					$	4,327					$	1,625,373					$	1,629,700					$	1,162

Schedule of nonaccrual loans with and without loan reserves

Loans individually evaluated consist of nonaccrual loans, presented in the following table: 

(In thousands)			With a Related Allowance						Without a Related Allowance						Total
September 30, 2024
Commercial real estate			$	314					$	3,292					$	3,606
Commercial and industrial			991						1,368						2,359
Home equity lines of credit			—						168						168
			$	1,305					$	4,828					$	6,133
December 31, 2023
Commercial real estate			$	315					$	1,164					$	1,479
Residential mortgage			—						343						343
Commercial and industrial			1,004						—						1,004
Home equity lines of credit			—						185						185
			$	1,319					$	1,692					$	3,011

Schedule of Nonperforming Loans

Total nonperforming loans are as follows:

(In thousands)			September 30, 2024						December 31, 2023
Nonaccrual loans			$	6,133					$	3,011
Greater than or equal to 90 days past due and accruing			438						1,162
Total nonperforming loans			$	6,571					$	4,173

Schedule of financing receivable collateral-dependent

The following table presents the amortized cost basis of individually evaluated loans as of the periods presented:

			Type of Collateral
(In thousands)			Business Assets						Real Estate
September 30, 2024
Commercial real estate			$	—					$	3,606
Commercial and industrial			2,359						—
Home equity lines of credit			—						168
Total			$	2,359					$	3,774
December 31, 2023
Commercial real estate			$	—					$	1,479
Residential mortgage			—						343
Commercial and industrial			1,004						—
Home equity lines of credit			—						185
Total			$	1,004					$	2,007

Schedule of expected commercial loan modifications

The following table presents the amortized cost basis of loans that were both experiencing financial difficulty and modified during the three and nine months ended September 30, 2024, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below:

(Dollars in thousands)			Combination Payment Deferral and Interest Only Payments						Percent of Class of Financing Receivable
Commercial real estate			$	2,293					0.2		%
Commercial and industrial			1,748						1.1		%
Total			$	4,041

The following presents the performance of loans modified in the previous twelve months as of September 30, 2024:

(In thousands)			Current						30-89 Days Past Due						≥ 90 Days Past Due						Total Past Due
Commercial real estate			$	2,293					$	—					$	—					$	—
Commercial and industrial			1,967						—						—						—
Total			$	4,260					$	—					$	—					$	—

Schedule of loans by year of origination including credit quality indicators

The following summarizes designated internal risk categories by portfolio segment for loans assigned a risk rating and those evaluated based on the performance status:

			September 30, 2024
			Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis
(In thousands)			2024						2023						2022						2021						2020						Prior												Total
Internally Risk Rated:
Commercial real estate
Pass			$	97,426					$	134,288					$	164,910					$	123,922					$	56,029					$	318,720					$	18,020					$	913,315
Special Mention			488						2,848						4,830						5,878						2,795						15,505						1,797						34,141
Substandard			—						—						1,781						—						1,496						7,171						—						10,448
Total Commercial real estate			$	97,914					$	137,136					$	171,521					$	129,800					$	60,320					$	341,396					$	19,817					$	957,904
Residential mortgage
Pass			$	18,113					$	37,415					$	23,683					$	38,909					$	13,743					$	33,124					$	419					$	165,406
Special Mention			—						881						270						575						246						3,199						94						5,265
Substandard			—						—						—						—						—						68						—						68
Total Residential Mortgage			$	18,113					$	38,296					$	23,953					$	39,484					$	13,989					$	36,391					$	513					$	170,739
Commercial and industrial
Pass			$	8,979					$	11,038					$	20,545					$	30,192					$	13,511					$	25,644					$	33,010					$	142,919
Special Mention			172						153						248						223						82						449						2,703						4,030
Substandard			—						536						468						354						16						780						3,045						5,199
Total Commercial and industrial			$	9,151					$	11,727					$	21,261					$	30,769					$	13,609					$	26,873					$	38,758					$	152,148
Home equity lines of credit
Pass			$	—					$	296					$	94					$	—					$	—					$	281					$	5,227					$	5,898
Special Mention			—						—						—						—						—						—						696						696
Substandard			—						—						—						—						—						174						—						174
Total Home equity lines of credit			$	—					$	296					$	94					$	—					$	—					$	455					$	5,923					$	6,768
Real estate construction
Pass			$	9,985					$	29,172					$	16,397					$	1,220					$	306					$	1,091					$	8,739					$	66,910
Special Mention			—						118						281						—						—						679						46						1,124
Substandard			—						—						—						—						—						64						—						64
Total Real estate construction			$	9,985					$	29,290					$	16,678					$	1,220					$	306					$	1,834					$	8,785					$	68,098
Performance Rated:
Residential mortgage
Performing			$	12,390					$	40,244					$	41,284					$	13,732					$	14,879					$	104,279					$	72					$	226,880
Nonperforming			—						—						—						—						—						375						—						375
Total Residential Mortgage			$	12,390					$	40,244					$	41,284					$	13,732					$	14,879					$	104,654					$	72					$	227,255
Home equity lines of credit
Performing			$	—					$	19					$	35					$	—					$	12					$	2,809					$	74,673					$	77,548
Total Home equity lines of credit			$	—					$	19					$	35					$	—					$	12					$	2,809					$	74,673					$	77,548
Real estate construction
Performing			$	4,240					$	1,773					$	565					$	165					$	193					$	907					$	—					$	7,843
Nonperforming			—						—						—						—						—						12						—						12
Total Real estate construction			$	4,240					$	1,773					$	565					$	165					$	193					$	919					$	—					$	7,855
Consumer
Performing			$	1,823					$	1,710					$	1,917					$	552					$	333					$	904					$	2,534					$	9,773
Total Consumer			$	1,823					$	1,710					$	1,917					$	552					$	333					$	904					$	2,534					$	9,773
Year-to-date gross charge-offs			$	—					$	—					$	9					$	—					$	—					$	7					$	147					$	163
Total Portfolio loans:
Pass			$	134,503					$	212,209					$	225,629					$	194,243					$	83,589					$	378,860					$	65,415					$	1,294,448
Special Mention			660						4,000						5,629						6,676						3,123						19,832						5,336						45,256
Substandard			—						536						2,249						354						1,512						8,257						3,045						15,953
Performing			18,453						43,746						43,801						14,449						15,417						108,899						77,279						322,044
Nonperforming			—						—						—						—						—						387						—						387
Total Portfolio loans			$	153,616					$	260,491					$	277,308					$	215,722					$	103,641					$	516,235					$	151,075					$	1,678,088
Year-to-date gross charge-offs			$	—					$	—					$	9					$	—					$	—					$	7					$	147					$	163

			December 31, 2023
			Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis
(In thousands)			2023						2022						2021						2020						2019						Prior												Total
Internally Risk Rated:
Commercial real estate
Pass			$	136,158					$	152,767					$	130,994					$	60,918					$	65,856					$	287,026					$	13,636					$	847,355
Special Mention			1,927						6,385						5,920						1,904						8,222						16,244						1,994						42,596
Substandard			—						—						—						1,530						704						6,524						—						8,758
Total Commercial real estate			$	138,085					$	159,152					$	136,914					$	64,352					$	74,782					$	309,794					$	15,630					$	898,709
Residential mortgage
Pass			$	39,146					$	27,612					$	41,031					$	14,758					$	10,492					$	27,274					$	402					$	160,715
Special Mention			588						82						593						397						826						2,457						62						5,005
Substandard			—						—						—						—						—						218						—						218
Total Residential mortgage			$	39,734					$	27,694					$	41,624					$	15,155					$	11,318					$	29,949					$	464					$	165,938
Commercial and industrial
Pass			$	12,319					$	24,259					$	34,830					$	15,614					$	13,922					$	17,780					$	25,147					$	143,871
Special Mention			128						303						290						529						140						459						2,014						3,863
Substandard			7						135						499						91						9						1,597						2,272						4,610
Total Commercial and industrial			$	12,454					$	24,697					$	35,619					$	16,234					$	14,071					$	19,836					$	29,433					$	152,344
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	110					$	—					$	110
Home equity lines of credit
Pass			$	300					$	99					$	—					$	—					$	—					$	131					$	5,235					$	5,765
Special Mention			—						—						—						—						—						—						727						727
Substandard			—						—						—						—						—						362						—						362
Total Home equity lines of credit			$	300					$	99					$	—					$	—					$	—					$	493					$	5,962					$	6,854
Real estate construction
Pass			$	19,766					$	39,758					$	3,953					$	1,160					$	—					$	2,604					$	8,003					$	75,244
Special Mention			—						465						—						92						—						725						—						1,282
Substandard			—						—						—						—						—						69						—						69
Total Real estate construction			$	19,766					$	40,223					$	3,953					$	1,252					$	—					$	3,398					$	8,003					$	76,595
Performance Rated:
Residential mortgage
Performing			$	33,884					$	45,221					$	14,878					$	16,184					$	9,059					$	108,021					$	156					$	227,403
Nonperforming			—						—						—						—						—						848						—						848
Total Residential mortgage			$	33,884					$	45,221					$	14,878					$	16,184					$	9,059					$	108,869					$	156					$	228,251
Home equity lines of credit
Performing			$	23					$	38					$	—					$	13					$	94					$	4,742					$	77,745					$	82,655
Nonperforming			—						—						—						—						—						92						562						654
Total Home equity lines of credit			$	23					$	38					$	—					$	13					$	94					$	4,834					$	78,307					$	83,309
Real estate construction
Performing			$	5,571					$	753					$	175					$	210					$	170					$	867					$	—					$	7,746
Total Real estate construction			$	5,571					$	753					$	175					$	210					$	170					$	867					$	—					$	7,746
Consumer
Performing			$	2,351					$	2,685					$	778					$	522					$	271					$	1,085					$	2,259					$	9,951
Nonperforming			—						—						—						—						—						—						3						3
Total Consumer			$	2,351					$	2,685					$	778					$	522					$	271					$	1,085					$	2,262					$	9,954
Year-to-date gross charge-offs			$	48					$	83					$	42					$	55					$	23					$	78					$	67					$	396
Total Portfolio loans
Pass			$	207,689					$	244,495					$	210,808					$	92,450					$	90,270					$	334,815					$	52,423					$	1,232,950
Special Mention			2,643						7,235						6,803						2,922						9,188						19,885						4,797						53,473
Substandard			7						135						499						1,621						713						8,770						2,272						14,017
Performing			41,829						48,697						15,831						16,929						9,594						114,715						80,160						327,755
Nonperforming			—						—						—						—						—						940						565						1,505
Total Portfolio loans			$	252,168					$	300,562					$	233,941					$	113,922					$	109,765					$	479,125					$	140,217					$	1,629,700
Year-to-date gross charge-offs			$	48					$	83					$	42					$	55					$	23					$	188					$	67					$	506

Summary of allowance activity for loan losses and recorded investment in loans receivable

The following table presents the activity in the ACL by loan portfolio segment:

(In thousands)			Commercial Real Estate						Residential Mortgage						Commercial and Industrial						Home Equity Lines of Credit						Real Estate Construction						Consumer						Unallocated						Total
Three Months Ended September 30, 2024
Beginning balance - July 1, 2024			$	10,196					$	2,839					$	1,465					$	312					$	2,247					$	103					$	—					$	17,162
Charge-offs			—						—						—						—						—						(51)						—						(51)
Recoveries			—						—						6						—						—						16						—						22
Provisions (credits)			196						31						301						(16)						(467)						36						—						81
Ending balance - September 30, 2024			$	10,392					$	2,870					$	1,772					$	296					$	1,780					$	104					$	—					$	17,214
Nine Months Ended September 30, 2024
Beginning balance - January 1, 2024			$	12,010					$	3,303					$	2,048					$	397					$	2,070					$	141					$	—					$	19,969
Charge-offs			—						—						—						—						—						(163)						—						(163)
Recoveries			—						—						24						—						—						70						—						94
Provisions (credits)			(1,618)						(433)						(300)						(101)						(290)						56						—						(2,686)
Ending balance - September 30, 2024			$	10,392					$	2,870					$	1,772					$	296					$	1,780					$	104					$	—					$	17,214
Three Months Ended September 30, 2023
Beginning balance - July 1, 2023			$	11,728					$	3,075					$	1,941					$	388					$	1,885					$	131					$	—					$	19,148
Charge-offs			—						—						(81)						—						—						(109)						—						(190)
Recoveries			—						—						32						—						—						24						—						56
Provisions			170						78						(381)						5						279						99						—						250
Ending balance - September 30, 2023			$	11,898					$	3,153					$	1,511					$	393					$	2,164					$	145					$	—					$	19,264
Nine Months Ended September 30, 2023
Beginning balance - January 1, 2023			$	10,016					$	3,029					$	2,848					$	347					$	1,000					$	376					$	245					$	17,861
Impact of CECL adoption			1,106						297						(762)						17						1,347						(142)						(245)						1,618
Charge-offs			—						—						(110)						—						—						(279)						—						(389)
Recoveries			—						—						42						—						—						58						—						100
Provisions			776						(173)						(507)						29						(183)						132						—						74
Ending balance - September 30, 2023			$	11,898					$	3,153					$	1,511					$	393					$	2,164					$	145					$	—					$	19,264

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