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Loans and Allowance for Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2025
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)March 31, 2025December 31, 2024
Commercial real estate$1,254,402 $969,514 
Residential mortgage591,488 401,950 
Commercial and industrial220,774 140,906 
Home equity lines of credit119,085 85,685 
Real estate construction127,663 76,773 
Consumer10,526 9,318 
Gross loans2,323,938 1,684,146 
Unearned income(1,729)(1,236)
Total loans, net of unearned income$2,322,209 $1,682,910 
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 Due60–89 Days
Past Due		≥ 90 Days
Past Due		Total Past
Due		CurrentTotal Loans
Receivable		Loans
Receivable
≥ 90 Days
and
Accruing
March 31, 2025
Commercial real estate$245 $— $444 $689 $1,253,713 $1,254,402 $— 
Residential mortgage10,968 1,270 2,506 14,744 576,744 591,488 1,987 
Commercial and industrial12 378 144 534 220,240 220,774 — 
Home equity lines of credit999 72 — 1,071 118,014 119,085 — 
Real estate construction735 — — 735 126,928 127,663 — 
Consumer126 22 — 148 10,378 10,526 — 
Gross Loans$13,085 $1,742 $3,094 $17,921 $2,306,017 $2,323,938 $1,987 
(In thousands)30–59 Days Past Due60–89 Days
Past Due		≥ 90 Days
Past Due		Total Past
Due		CurrentTotal Loans
Receivable		Loans
Receivable
≥ 90 Days
and
Accruing
December 31, 2024
Commercial real estate$763 $527 $314 $1,604 $967,910 $969,514 $— 
Residential mortgage953 987 850 2,790 399,160 401,950 850 
Commercial and industrial437 24 155 616 140,290 140,906 — 
Home equity lines of credit161 — 91 252 85,433 85,685 91 
Real estate construction15 11 — 26 76,747 76,773 — 
Consumer47 18 — 65 9,253 9,318 — 
Gross Loans$2,376 $1,567 $1,410 $5,353 $1,678,793 $1,684,146 $941 
Schedule of nonaccrual loans with and without loan reserves
Loans individually evaluated consist of nonaccrual loans, presented in the following table: 
March 31, 2025December 31, 2024
(In thousands)With a Related AllowanceWithout a Related AllowanceTotalWith a Related AllowanceWithout a Related AllowanceTotal
Commercial real estate$295 $3,745 $4,040 $314 $3,250 $3,564 
Residential mortgage— 1,401 1,401 — — — 
Commercial and industrial2,023 590 2,613 2,081 226 2,307 
Home equity lines of credit— 8 8 — — — 
 Total$2,318 $5,744 $8,062 $2,395 $3,476 $5,871 
Schedule of Nonperforming Loans
Total nonperforming loans are as follows:
(In thousands)March 31, 2025December 31, 2024
Nonaccrual loans$8,062 $5,871 
Greater than or equal to 90 days past due and accruing1,987 941 
Total nonperforming loans$10,049 $6,812 
Schedule of financing receivable collateral-dependent
The following table presents the amortized cost basis of individually evaluated loans by type of collateral as of the periods presented:
March 31, 2025December 31, 2024
(In thousands)Business AssetsReal EstateBusiness AssetsReal Estate
Commercial real estate$— $4,040 $— $3,564 
Residential mortgage— 1,401 — — 
Commercial and industrial2,237 376 2,307 — 
Home equity lines of credit— 8 — — 
Total$2,237 $5,825 $2,307 $3,564 
Schedule of expected commercial loan modifications
The following presents the performance of loans modified in the previous twelve months as of March 31, 2025:

(In thousands)Current30-89 Days Past Due≥ 90 Days
Past Due		Total Past Due
Commercial real estate$2,293 $— $— $— 
Commercial and industrial1,748 — — — 
Total$4,041 $— $— $— 
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:
March 31, 2025
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost Basis
(In thousands)20252024202320222021PriorTotal
Internally Risk Rated:
Commercial real estate
Pass$16,020 $157,604 $182,846 $217,778 $177,509 $444,223 $16,378 $1,212,358 
Special Mention59 2,022 2,846 2,859 6,091 14,916 1,280 30,073 
Substandard— — — 2,277 338 9,311 45 11,971 
Total Commercial real estate$16,079 $159,626 $185,692 $222,914 $183,938 $468,450 $17,703 $1,254,402 
Residential mortgage
Pass$9,326 $31,536 $37,684 $26,423 $40,031 $60,995 $510 $206,505 
Special Mention239 130 209 165 144 3,129 123 4,139 
Substandard— — 236 185 — 67 — 488 
Total Residential Mortgage$9,565 $31,666 $38,129 $26,773 $40,175 $64,191 $633 $211,132 
Commercial and industrial
Pass$2,533 $21,366 $22,067 $30,510 $40,958 $40,128 $50,366 $207,928 
Special Mention125 157 133 187 166 870 5,234 6,872 
Substandard— — 516 843 302 983 3,330 5,974 
Total Commercial and industrial$2,658 $21,523 $22,716 $31,540 $41,426 $41,981 $58,930 $220,774 
Year-to-date gross charge-offs$— $— $— $— $— $14 $— $14 
Home equity lines of credit
Pass$— $— $292 $90 $33 $338 $7,660 $8,413 
Special Mention— — — — 96 — 723 819 
Substandard— — — — — 6 — 6 
Total Home equity lines of credit$— $— $292 $90 $129 $344 $8,383 $9,238 
Real estate construction
Pass$11,454 $30,501 $24,414 $8,230 $1,762 $826 $5,775 $82,962 
Special Mention— — 44 5,004 — 466 46 5,560 
Substandard— — — — — 59 — 59 
Total Real estate construction$11,454 $30,501 $24,458 $13,234 $1,762 $1,351 $5,821 $88,581 
Performance Rated:
Residential mortgage
Performing$6,358 $32,442 $61,561 $91,411 $43,110 $135,324 $6,763 $376,969 
Nonperforming— 200 123 1,568 157 1,339 — 3,387 
Total Residential Mortgage$6,358 $32,642 $61,684 $92,979 $43,267 $136,663 $6,763 $380,356 
Home equity lines of credit
Performing$— $— $17 $33 $— $2,457 $107,332 $109,839 
Nonperforming— — — — — — 8 8 
Total Home equity lines of credit$— $— $17 $33 $— $2,457 $107,340 $109,847 
Real estate construction
Performing$3,504 $32,111 $723 $1,528 $156 $1,060 $— $39,082 
Total Real estate construction$3,504 $32,111 $723 $1,528 $156 $1,060 $— $39,082 
Consumer
Performing$332 $1,796 $1,341 $1,540 $416 $890 $4,211 $10,526 
Total Consumer$332 $1,796 $1,341 $1,540 $416 $890 $4,211 $10,526 
Year-to-date gross charge-offs$— $— $— $5 $— $7 $59 $71 
Total Portfolio loans:
Pass$39,333 $241,007 $267,303 $283,031 $260,293 $546,510 $80,689 $1,718,166 
Special Mention423 2,309 3,232 8,215 6,497 19,381 7,406 47,463 
Substandard— — 752 3,305 640 10,426 3,375 18,498 
Performing10,194 66,349 63,642 94,512 43,682 139,731 118,306 536,416 
Nonperforming— 200 123 1,568 157 1,339 8 3,395 
Total Portfolio loans$49,950 $309,865 $335,052 $390,631 $311,269 $717,387 $209,784 $2,323,938 
Year-to-date gross charge-offs$— $— $— $5 $— $21 $59 $85 
December 31, 2024
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost Basis
(In thousands)20242023202220212020PriorTotal
Internally Risk Rated:
Commercial real estate
Pass$120,989 $135,995 $164,167 $121,092 $55,408 $312,999 $17,276 $927,926 
Special Mention1,887 3,826 2,880 6,639 2,177 11,613 1,303 30,325 
Substandard— — 2,332 342 1,485 7,059 45 11,263 
Total Commercial real estate$122,876 $139,821 $169,379 $128,073 $59,070 $331,671 $18,624 $969,514 
Residential mortgage
Pass$27,887 $35,566 $23,095 $38,848 $13,446 $31,784 $466 $171,092 
Special Mention130 1,692 167 146 366 3,246 115 5,862 
Substandard— 237 188 — — 68 — 493 
Total Residential mortgage$28,017 $37,495 $23,450 $38,994 $13,812 $35,098 $581 $177,447 
Commercial and industrial
Pass$10,000 $10,067 $19,584 $29,673 $13,162 $18,976 $30,015 $131,477 
Special Mention165 109 246 192 78 459 2,554 3,803 
Substandard— 526 468 335 2 979 3,316 5,626 
Total Commercial and industrial$10,165 $10,702 $20,298 $30,200 $13,242 $20,414 $35,885 $140,906 
Year-to-date gross charge-offs$— $38 $— $— $— $100 $— $138 
Home equity lines of credit
Pass$— $294 $92 $— $— $501 $5,729 $6,616 
Special Mention— — — — — — 696 696 
Substandard— — — — — 6 — 6 
Total Home equity lines of credit$— $294 $92 $— $— $507 $6,425 $7,318 
Real estate construction
Pass$21,227 $24,463 $7,719 $1,209 $298 $1,060 $6,086 $62,062 
Special Mention— 168 5,100 — — 667 45 5,980 
Substandard— — — — — 62 — 62 
Total Real estate construction$21,227 $24,631 $12,819 $1,209 $298 $1,789 $6,131 $68,104 
Performance Rated:
Residential mortgage
Performing$14,786 $41,275 $39,943 $13,523 $13,876 $100,601 $72 $224,076 
Nonperforming— — — — — 427 — 427 
Total Residential mortgage$14,786 $41,275 $39,943 $13,523 $13,876 $101,028 $72 $224,503 
Home equity lines of credit
Performing$— $18 $34 $— $12 $2,591 $75,621 $78,276 
Nonperforming— — — — — — 91 91 
Total Home equity lines of credit$— $18 $34 $— $12 $2,591 $75,712 $78,367 
Real estate construction
Performing$6,486 $222 $725 $160 $188 $888 $— $8,669 
Total Real estate construction$6,486 $222 $725 $160 $188 $888 $— $8,669 
Consumer
Performing$2,000 $1,521 $1,694 $465 $276 $778 $2,584 $9,318 
Total Consumer$2,000 $1,521 $1,694 $465 $276 $778 $2,584 $9,318 
Year-to-date gross charge-offs$— $4 $9 $— $1 $7 $197 $218 
Total Portfolio loans
Pass$180,103 $206,385 $214,657 $190,822 $82,314 $365,320 $59,572 $1,299,173 
Special Mention2,182 5,795 8,393 6,977 2,621 15,985 4,713 46,666 
Substandard— 763 2,988 677 1,487 8,174 3,361 17,450 
Performing23,272 43,036 42,396 14,148 14,352 104,858 78,277 320,339 
Nonperforming— — — — — 427 91 518 
Total Portfolio loans$205,557 $255,979 $268,434 $212,624 $100,774 $494,764 $146,014 $1,684,146 
Year-to-date gross charge-offs$— $42 $9 $— $1 $107 $197 $356 
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		ConsumerTotal
Three Months Ended March 31, 2025    
Beginning balance - January 1, 2025$10,578 $2,976 $1,416 $294 $1,918 $98 $17,280 
Allowance established for acquired PCD loans798 140 194 13 169 150 1,464 
Charge-offs— — (14)— — (71)(85)
Recoveries— — 3 — — 16 19 
Provisions (reversal of)2,173 2,012 629 180 1,051 (77)5,968 
Ending balance -March 31, 2025$13,549 $5,128 $2,228 $487 $3,138 $116 $24,646 
Three Months Ended March 31, 2024    
Beginning balance - January 1, 2024$12,010 $3,303 $2,048 $397 $2,070 $141 $19,969 
Charge-offs— — — — — (60)(60)
Recoveries— — 15 — — 25 40 
Provisions (reversal of)230 (76)(103)(83)243 12 223 
Ending balance - March 31, 2024$12,240 $3,227 $1,960 $314 $2,313 $118 $20,172