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Loans and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 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)			June 30, 2025						December 31, 2024
Commercial real estate			$	1,254,733					$	969,514
Residential mortgage			594,889						401,950
Commercial and industrial			226,276						140,906
Home equity lines of credit			122,546						85,685
Real estate construction			135,023						76,773
Consumer			10,253						9,318
Gross loans			2,343,720						1,684,146
Unearned income			(1,904)						(1,236)
Total loans, net of unearned income			$	2,341,816					$	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 Due						60–89 Days Past Due						≥ 90 Days Past Due						Total Past Due						Current						Total Loans Receivable						Loans Receivable ≥ 90 Days and Accruing
June 30, 2025
Commercial real estate			$	134					$	—					$	527					$	661					$	1,254,072					$	1,254,733					$	—
Residential mortgage			714						2,223						2,938						5,875						589,014						594,889						2,131
Commercial and industrial			25						—						143						168						226,108						226,276						—
Home equity lines of credit			862						48						272						1,182						121,364						122,546						272
Real estate construction			9						113						—						122						134,901						135,023						—
Consumer			48						3						24						75						10,178						10,253						24
Gross Loans			$	1,792					$	2,387					$	3,904					$	8,083					$	2,335,637					$	2,343,720					$	2,427

(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, 2024
Commercial real estate			$	763					$	527					$	314					$	1,604					$	967,910					$	969,514					$	—
Residential mortgage			953						987						850						2,790						399,160						401,950						850
Commercial and industrial			437						24						155						616						140,290						140,906						—
Home equity lines of credit			161						—						91						252						85,433						85,685						91
Real estate construction			15						11						—						26						76,747						76,773						—
Consumer			47						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:

			June 30, 2025																		December 31, 2024
(In thousands)			With a Related Allowance						Without a Related Allowance						Total						With a Related Allowance						Without a Related Allowance						Total
Commercial real estate			$	296					$	3,661					$	3,957					$	314					$	3,250					$	3,564
Residential mortgage			—						1,203						1,203						—						—						—
Commercial and industrial			1,945						561						2,506						2,081						226						2,307
Home equity lines of credit			—						7						7						—						—						—
Total			$	2,241					$	5,432					$	7,673					$	2,395					$	3,476					$	5,871

Schedule of Nonperforming Loans

Total nonperforming loans are as follows:

(In thousands)			June 30, 2025						December 31, 2024
Nonaccrual loans			$	7,673					$	5,871
Greater than or equal to 90 days past due and accruing			2,427						941
Total nonperforming loans			$	10,100					$	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:

			June 30, 2025												December 31, 2024
(In thousands)			Business Assets						Real Estate						Business Assets						Real Estate
Commercial real estate			$	—					$	3,957					$	—					$	3,564
Residential mortgage			—						1,203						—						—
Commercial and industrial			2,150						356						2,307						—
Home equity lines of credit			—						7						—						—
Total			$	2,150					$	5,523					$	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 June 30, 2025:

(In thousands)			Current						30-89 Days Past Due						≥ 90 Days Past Due						Total Past Due
Commercial real estate			$	2,275					$	—					$	—					$	—
Commercial and industrial			1,728						—						—						—
Total			$	4,003					$	—					$	—					$	—

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:

			June 30, 2025
			Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis
(In thousands)			2025						2024						2023						2022						2021						Prior												Total
Internally Risk Rated:
Commercial real estate
Pass			$	35,375					$	158,487					$	181,216					$	210,165					$	174,633					$	429,326					$	23,696					$	1,212,898
Special Mention			417						1,524						2,825						3,262						6,032						14,488						1,346						29,894
Substandard			155						—						—						2,257						335						9,150						44						11,941
Total Commercial real estate			$	35,947					$	160,011					$	184,041					$	215,684					$	181,000					$	452,964					$	25,086					$	1,254,733
Residential mortgage
Pass			$	19,174					$	31,200					$	36,709					$	24,833					$	39,388					$	58,472					$	637					$	210,413
Special Mention			218						129						207						316						143						3,068						124						4,205
Substandard			—						—						356						1,049						—						283						—						1,688
Total Residential Mortgage			$	19,392					$	31,329					$	37,272					$	26,198					$	39,531					$	61,823					$	761					$	216,306
Commercial and industrial
Pass			$	9,198					$	21,303					$	19,754					$	26,091					$	40,237					$	37,186					$	58,825					$	212,594
Special Mention			356						149						124						3,226						140						602						3,174						7,771
Substandard			—						—						489						821						270						905						3,426						5,911
Total Commercial and industrial			$	9,554					$	21,452					$	20,367					$	30,138					$	40,647					$	38,693					$	65,425					$	226,276
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	14					$	—					$	14
Home equity lines of credit
Pass			$	—					$	—					$	291					$	88					$	32					$	336					$	8,334					$	9,081
Special Mention			—						—						—						—						95						—						682						777
Substandard			—						—						—						—						—						6						7						13
Total Home equity lines of credit			$	—					$	—					$	291					$	88					$	127					$	342					$	9,023					$	9,871
Real estate construction
Pass			$	13,662					$	35,200					$	21,610					$	10,429					$	1,742					$	743					$	6,104					$	89,490
Special Mention			—						—						—						4,722						—						458						45						5,225
Substandard			—						—						—						—						—						57						—						57
Total Real estate construction			$	13,662					$	35,200					$	21,610					$	15,151					$	1,742					$	1,258					$	6,149					$	94,772
Performance Rated:
Residential mortgage
Performing			$	18,722					$	33,773					$	58,090					$	86,592					$	42,236					$	131,060					$	5,979					$	376,452
Nonperforming			—						—						—						835						229						1,067						—						2,131
Total Residential Mortgage			$	18,722					$	33,773					$	58,090					$	87,427					$	42,465					$	132,127					$	5,979					$	378,583
Home equity lines of credit
Performing			$	—					$	—					$	16					$	31					$	—					$	2,284					$	110,072					$	112,403
Nonperforming			—						—						—						—						—						—						272						272
Total Home equity lines of credit			$	—					$	—					$	16					$	31					$	—					$	2,284					$	110,344					$	112,675
Real estate construction
Performing			$	13,212					$	24,525					$	715					$	625					$	152					$	1,022					$	—					$	40,251
Total Real estate construction			$	13,212					$	24,525					$	715					$	625					$	152					$	1,022					$	—					$	40,251
Consumer
Performing			$	834					$	1,551					$	1,201					$	1,396					$	365					$	769					$	4,113					$	10,229
Nonperforming			—						—						—						—						—						14						10						24
Total Consumer			$	834					$	1,551					$	1,201					$	1,396					$	365					$	783					$	4,123					$	10,253
Year-to-date gross charge-offs			$	—					$	24					$	14					$	15					$	—					$	8					$	96					$	157
Total Portfolio loans:
Pass			$	77,409					$	246,190					$	259,580					$	271,606					$	256,032					$	526,063					$	97,596					$	1,734,476
Special Mention			991						1,802						3,156						11,526						6,410						18,616						5,371						47,872
Substandard			155						—						845						4,127						605						10,401						3,477						19,610
Performing			32,768						59,849						60,022						88,644						42,753						135,135						120,164						539,335
Nonperforming			—						—						—						835						229						1,081						282						2,427
Total Portfolio loans			$	111,323					$	307,841					$	323,603					$	376,738					$	306,029					$	691,296					$	226,890					$	2,343,720
Year-to-date gross charge-offs			$	—					$	24					$	14					$	15					$	—					$	22					$	96					$	171

			December 31, 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			$	120,989					$	135,995					$	164,167					$	121,092					$	55,408					$	312,999					$	17,276					$	927,926
Special Mention			1,887						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 Mention			130						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 Mention			165						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 Mention			2,182						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
Performing			23,272						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						Consumer						Total
Three Months Ended June 30, 2025
Beginning balance - April 1, 2025			$	13,549					$	5,128					$	2,228					$	487					$	3,138					$	116					$	24,646
Charge-offs			—						—						—						—						—						(86)						(86)
Recoveries			—						—						7						—						—						14						21
(Reversal of) provisions			(512)						76						2						(37)						118						125						(228)
Ending balance - June 30, 2025			$	13,037					$	5,204					$	2,237					$	450					$	3,256					$	169					$	24,353
Six Months Ended June 30, 2025
Beginning balance - January 1, 2025			$	10,578					$	2,976					$	1,416					$	294					$	1,918					$	98					$	17,280
Allowance established for acquired PCD loans			798						140						194						13						169						150						1,464
Charge-offs			—						—						(14)						—						—						(157)						(171)
Recoveries			—						—						10						—						—						30						40
Provisions			1,661						2,088						631						143						1,169						48						5,740
Ending balance - June 30, 2025			$	13,037					$	5,204					$	2,237					$	450					$	3,256					$	169					$	24,353
Three Months Ended June 30, 2024
Beginning balance - April 1, 2024			$	12,240					$	3,227					$	1,960					$	314					$	2,313					$	118					$	20,172
Charge-offs			—						—						—						—						—						(52)						(52)
Recoveries			—						—						3						—						—						29						32
(Reversal of) provisions			(2,044)						(388)						(498)						(2)						(66)						8						(2,990)
Ending balance - June 30, 2024			$	10,196					$	2,839					$	1,465					$	312					$	2,247					$	103					$	17,162
Six Months Ended June 30, 2024
Beginning balance - January 1, 2024			$	12,010					$	3,303					$	2,048					$	397					$	2,070					$	141					$	19,969
Charge-offs			—						—						—						—						—						(112)						(112)
Recoveries			—						—						18						—						—						54						72
(Reversal of) provisions			(1,814)						(464)						(601)						(85)						177						20						(2,767)
Ending balance - June 30, 2024			$	10,196					$	2,839					$	1,465					$	312					$	2,247					$	103					$	17,162

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Tabular disclosure of financing receivable, before allowance for credit loss, by maturity.

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Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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-Paragraph a
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Tabular disclosure of allowance for credit loss on financing receivable.

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Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
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-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-14

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-Section 50
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Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
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