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Loans and Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 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)			September 30, 2025						December 31, 2024
Commercial real estate			$	1,263,896					$	969,514
Residential mortgage			593,283						401,950
Commercial and industrial			218,364						140,906
Home equity lines of credit			125,839						85,685
Real estate construction			126,451						76,773
Consumer			10,144						9,318
Gross loans			2,337,977						1,684,146
Unearned income			(1,372)						(1,236)
Total loans, net of unearned income			$	2,336,605					$	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
September 30, 2025
Commercial real estate			$	132					$	135					$	89					$	356					$	1,263,540					$	1,263,896					$	—
Residential mortgage			320						975						3,583						4,878						588,405						593,283						2,910
Commercial and industrial			115						—						143						258						218,106						218,364						—
Home equity lines of credit			572						227						70						869						124,970						125,839						70
Real estate construction			—						—						—						—						126,451						126,451						—
Consumer			56						17						—						73						10,071						10,144						—
Gross Loans			$	1,195					$	1,354					$	3,885					$	6,434					$	2,331,543					$	2,337,977					$	2,980

(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:

			September 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			$	—					$	3,573					$	3,573					$	314					$	3,250					$	3,564
Residential mortgage			—						1,062						1,062						—						—						—
Commercial and industrial			1,877						518						2,395						2,081						226						2,307
Home equity lines of credit			—						6						6						—						—						—
Total			$	1,877					$	5,159					$	7,036					$	2,395					$	3,476					$	5,871

Schedule of Nonperforming Loans

Total nonperforming loans are as follows:

(In thousands)			September 30, 2025						December 31, 2024
Nonaccrual loans			$	7,036					$	5,871
Greater than or equal to 90 days past due and accruing			2,980						941
Total nonperforming loans			$	10,016					$	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:

			September 30, 2025												December 31, 2024
(In thousands)			Business Assets						Real Estate						Business Assets						Real Estate
Commercial real estate			$	—					$	3,573					$	—					$	3,564
Residential mortgage			—						1,062						—						—
Commercial and industrial			2,058						337						2,307						—
Home equity lines of credit			—						6						—						—
Total			$	2,058					$	4,978					$	2,307					$	3,564

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, 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			$	57,733					$	163,778					$	179,021					$	206,993					$	170,951					$	407,445					$	27,181					$	1,213,102
Special Mention			414						1,514						2,491						4,629						7,385						25,049						1,793						43,275
Substandard			154						—						—						2,228						331						4,806						—						7,519
Total Commercial real estate			$	58,301					$	165,292					$	181,512					$	213,850					$	178,667					$	437,300					$	28,974					$	1,263,896
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	32					$	—					$	32
Residential mortgage
Pass			$	28,321					$	30,190					$	35,670					$	24,129					$	38,788					$	56,517					$	617					$	214,232
Special Mention			178						128						141						310						141						2,874						124						3,896
Substandard			—						—						233						1,032						—						277						—						1,542
Total Residential Mortgage			$	28,499					$	30,318					$	36,044					$	25,471					$	38,929					$	59,668					$	741					$	219,670
Commercial and industrial
Pass			$	17,512					$	22,174					$	17,474					$	21,130					$	36,785					$	35,177					$	50,854					$	201,106
Special Mention			382						221						434						5,072						72						534						7,083						13,798
Substandard			—						—						471						798						122						560						1,509						3,460
Total Commercial and industrial			$	17,894					$	22,395					$	18,379					$	27,000					$	36,979					$	36,271					$	59,446					$	218,364
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	14					$	—					$	14
Home equity lines of credit
Pass			$	—					$	—					$	289					$	86					$	30					$	52					$	8,642					$	9,099
Special Mention			—						—						—						—						95						—						627						722
Substandard			—						—						—						—						—						5						6						11
Total Home equity lines of credit			$	—					$	—					$	289					$	86					$	125					$	57					$	9,275					$	9,832
Real estate construction
Pass			$	17,079					$	28,754					$	21,747					$	7,692					$	1,682					$	779					$	7,119					$	84,852
Special Mention			—						—						—						4,705						—						373						45						5,123
Total Real estate construction			$	17,079					$	28,754					$	21,747					$	12,397					$	1,682					$	1,152					$	7,164					$	89,975
Performance Rated:
Residential mortgage
Performing			$	26,091					$	34,631					$	55,740					$	82,074					$	41,182					$	125,340					$	5,645					$	370,703
Nonperforming			—						—						—						1,614						165						1,131						—						2,910
Total Residential Mortgage			$	26,091					$	34,631					$	55,740					$	83,688					$	41,347					$	126,471					$	5,645					$	373,613
Home equity lines of credit
Performing			$	—					$	—					$	15					$	30					$	—					$	2,146					$	113,746					$	115,937
Nonperforming			—						—						—						—						—						—						70						70
Total Home equity lines of credit			$	—					$	—					$	15					$	30					$	—					$	2,146					$	113,816					$	116,007
Real estate construction
Performing			$	21,379					$	12,993					$	702					$	368					$	148					$	885					$	1					$	36,476
Total Real estate construction			$	21,379					$	12,993					$	702					$	368					$	148					$	885					$	1					$	36,476
Consumer
Performing			$	1,282					$	1,402					$	1,001					$	1,277					$	315					$	686					$	4,181					$	10,144
Total Consumer			$	1,282					$	1,402					$	1,001					$	1,277					$	315					$	686					$	4,181					$	10,144
Year-to-date gross charge-offs			$	—					$	27					$	38					$	15					$	—					$	8					$	170					$	258
Total Portfolio loans:
Pass			$	120,645					$	244,896					$	254,201					$	260,030					$	248,236					$	499,970					$	94,413					$	1,722,391
Special Mention			974						1,863						3,066						14,716						7,693						28,830						9,672						66,814
Substandard			154						—						704						4,058						453						5,648						1,515						12,532
Performing			48,752						49,026						57,458						83,749						41,645						129,057						123,573						533,260
Nonperforming			—						—						—						1,614						165						1,131						70						2,980
Total Portfolio loans			$	170,525					$	295,785					$	315,429					$	364,167					$	298,192					$	664,636					$	229,243					$	2,337,977
Year-to-date gross charge-offs			$	—					$	27					$	38					$	15					$	—					$	54					$	170					$	304

			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 September 30, 2025
Beginning balance - July 1, 2025			$	13,037					$	5,204					$	2,237					$	450					$	3,256					$	169					$	24,353
Charge-offs			(32)						—						—						—						—						(101)						(133)
Recoveries			—						—						1						—						—						23						24
(Reversal of) provisions			(25)						20						(203)						(40)						(401)						65						(584)
Ending balance - September 30, 2025			$	12,980					$	5,224					$	2,035					$	410					$	2,855					$	156					$	23,660
Nine Months Ended September 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			(32)						—						(14)						—						—						(258)						(304)
Recoveries			—						—						11						—						—						53						64
Provisions			1,636						2,108						428						103						768						113						5,156
Ending balance - September 30, 2025			$	12,980					$	5,224					$	2,035					$	410					$	2,855					$	156					$	23,660
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 (reversal of)			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
(Reversal of) provisions			(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

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Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
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-Section 50
-Paragraph 14
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