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Loans and Asset Quality (Tables) | 12 Months Ended
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Dec. 31, 2024
Receivables [Abstract] |
Schedule of Loans Information | Loans HFI by category and loans HFS are summarized below:
| December 31,
(in thousands) | 2024 |  | 2023
Real estate: |  |  |
Commercial real estate | $ | 884,641 |  |  | $ | 851,582 |
One-to-four family residential | 614,551 |  |  | 599,487 |
Construction and development | 155,229 |  |  | 125,238 |
Commercial and industrial | 327,086 |  |  | 315,327 |
Tax-exempt | 64,930 |  |  | 72,913 |
Consumer | 28,576 |  |  | 28,311 |
Total loans HFI | $ | 2,075,013 |  |  | $ | 1,992,858 |
Total loans HFS | $ | 2,547 |  |  | $ | 1,306 |
Schedule of Allowance for Credit Losses | The following table summarizes the activity in the ACL by category for the year ended December 31, 2024:
(in thousands) | Beginning Balance |  |  |  | Provision for Credit Losses(1) |  | Charge-offs |  | Recoveries |  | Ending Balance
Real estate: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 9,118 |  |  |  |  | $ | (71) |  |  | $ | — |  |  | $ | — |  |  | $ | 9,047 |
One-to-four family residential | 7,484 |  |  |  |  | (1,041) |  |  | (1) |  |  | 10 |  |  | 6,452 |
Construction and development | 1,309 |  |  |  |  | 344 |  |  | — |  |  | — |  |  | 1,653 |
Commercial and industrial | 2,553 |  |  |  |  | 1,887 |  |  | (380) |  |  | 63 |  |  | 4,123 |
Tax-exempt | 575 |  |  |  |  | (472) |  |  | — |  |  | — |  |  | 103 |
Consumer | 297 |  |  |  |  | 353 |  |  | (422) |  |  | 125 |  |  | 353 |
Total allowance for credit losses | $ | 21,336 |  |  |  |  | $ | 1,000 |  |  | $ | (803) |  |  | $ | 198 |  |  | $ | 21,731 |
(1)The $1.2 million provision for credit losses on the consolidated statements of income for the year ended December 31, 2024, includes $1.0 million for loans and $200,000 for unfunded loan commitments. The following table summarizes the activity in the ACL by category for the year ended December 31, 2023:
(in thousands) | Beginning Balance |  | Impact of ASC 326 Adoption |  | Provision for Credit Losses |  | Charge-offs |  | Recoveries |  | Ending Balance
Real estate: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 7,720 |  |  | $ | 876 |  |  | $ | 522 |  |  | $ | — |  |  | $ | — |  |  | $ | 9,118 |
One-to-four family residential | 5,682 |  |  | 1,231 |  |  | 584 |  |  | (23) |  |  | 10 |  |  | 7,484 |
Construction and development | 1,654 |  |  | (444) |  |  | 108 |  |  | (9) |  |  | — |  |  | 1,309 |
Commercial and industrial | 4,350 |  |  | (822) |  |  | (947) |  |  | (58) |  |  | 30 |  |  | 2,553 |
Tax-exempt | 751 |  |  | (427) |  |  | 251 |  |  | — |  |  | — |  |  | 575 |
Consumer | 471 |  |  | (136) |  |  | 217 |  |  | (383) |  |  | 128 |  |  | 297 |
Total allowance for credit losses | $ | 20,628 |  |  | $ | 278 |  |  | $ | 735 |  |  | $ | (473) |  |  | $ | 168 |  |  | $ | 21,336 |
The following table summarizes the activity in the ALL by category for the year ended December 31, 2022:
(in thousands) | Beginning Balance |  | Provision for Loan Losses |  | Charge-offs |  | Recoveries |  | Ending Balance
Real estate: |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 6,749 |  |  | $ | 970 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 7,720 |
One-to-four family residential | 5,375 |  |  | 296 |  |  | — |  |  | 11 |  |  | 5,682 |
Construction and development | 1,326 |  |  | 328 |  |  | (18) |  |  | 18 |  |  | 1,654 |
Commercial and industrial | 4,465 |  |  | (162) |  |  | (39) |  |  | 86 |  |  | 4,350 |
Tax-exempt | 749 |  |  | 2 |  |  | — |  |  | — |  |  | 751 |
Consumer | 512 |  |  | 316 |  |  | (490) |  |  | 133 |  |  | 471 |
Total allowance for loan losses | $ | 19,176 |  |  | $ | 1,750 |  |  | $ | (547) |  |  | $ | 249 |  |  | $ | 20,628 |
The balance in the ACL and the related recorded investment in loans by category as of December 31, 2024, are as follows:
(in thousands) | Individually Evaluated |  | Collectively Evaluated |  |  |  | Total
Allowance for credit losses: |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |
Commercial real estate | $ | 32 |  |  | $ | 9,015 |  |  |  |  | $ | 9,047 |
One-to-four family residential | 144 |  |  | 6,308 |  |  |  |  | 6,452 |
Construction and development | 549 |  |  | 1,104 |  |  |  |  | 1,653 |
Commercial and industrial | 116 |  |  | 4,007 |  |  |  |  | 4,123 |
Tax-exempt | — |  |  | 103 |  |  |  |  | 103 |
Consumer | 78 |  |  | 275 |  |  |  |  | 353 |
Total allowance for credit losses | $ | 919 |  |  | $ | 20,812 |  |  |  |  | $ | 21,731 |
Loans: |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |
Commercial real estate | $ | 4,173 |  |  | $ | 880,468 |  |  |  |  | $ | 884,641 |
One-to-four family residential | 2,822 |  |  | 611,729 |  |  |  |  | 614,551 |
Construction and development | 1,158 |  |  | 154,071 |  |  |  |  | 155,229 |
Commercial and industrial | 661 |  |  | 326,425 |  |  |  |  | 327,086 |
Tax-exempt | — |  |  | 64,930 |  |  |  |  | 64,930 |
Consumer | 91 |  |  | 28,485 |  |  |  |  | 28,576 |
Total loans HFI | $ | 8,905 |  |  | $ | 2,066,108 |  |  |  |  | $ | 2,075,013 |
The balance in the ACL and the related recorded investment in loans by category as of December 31, 2023, are as follows:
(in thousands) | Individually Evaluated |  | Collectively Evaluated |  |  |  | Total
Allowance for credit losses: |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |
Commercial real estate | $ | 342 |  |  | $ | 8,776 |  |  |  |  | $ | 9,118 |
One-to-four family residential | 57 |  |  | 7,427 |  |  |  |  | 7,484 |
Construction and development | — |  |  | 1,309 |  |  |  |  | 1,309 |
Commercial and industrial | 226 |  |  | 2,327 |  |  |  |  | 2,553 |
Tax-exempt | — |  |  | 575 |  |  |  |  | 575 |
Consumer | 104 |  |  | 193 |  |  |  |  | 297 |
Total allowance for credit losses | $ | 729 |  |  | $ | 20,607 |  |  |  |  | $ | 21,336 |
Loans: |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |
Commercial real estate | $ | 1,379 |  |  | $ | 850,203 |  |  |  |  | $ | 851,582 |
One-to-four family residential | 751 |  |  | 598,736 |  |  |  |  | 599,487 |
Construction and development | — |  |  | 125,238 |  |  |  |  | 125,238 |
Commercial and industrial | 972 |  |  | 314,355 |  |  |  |  | 315,327 |
Tax-exempt | — |  |  | 72,913 |  |  |  |  | 72,913 |
Consumer | 140 |  |  | 28,171 |  |  |  |  | 28,311 |
Total loans HFI | $ | 3,242 |  |  | $ | 1,989,616 |  |  |  |  | $ | 1,992,858 |
The following table summarizes the reserve for unfunded commitments for the periods indicated:
| As of and for the Years Ended December 31,
(in thousands) | 2024 |  |  | 2023
Reserve for unfunded commitments at beginning of period | $ | 442 |  |  |  | $ | — |
Provision for credit losses(1,2) | 200 |  |  |  | — |
Impact of ASC 326 adoption | — |  |  |  | 442 |
Reserve for unfunded commitments at end of period | $ | 642 |  |  |  | $ | 442 |
(1)The $1.2 million provision for credit losses on the consolidated statements of income for the year ended December 31, 2024, includes $1.0 million for loans and $200,000 for unfunded loan commitments. (2)The $735,000 provision for credit losses on the consolidated statements of income for the year ended December 31, 2023, is all for loans.
Schedule of Financing Receivable, Nonaccrual | The following table presents nonaccrual loans as of December 31, 2024:
(in thousands) | Nonaccrual with No ACL |  | Nonaccrual with ACL |  | Total Nonaccrual |  |
Real estate: |  |  |  |  |  |  |
Commercial real estate | $ | 458 |  |  | $ | 276 |  |  | $ | 734 |  |  |
One-to-four family residential | 397 |  |  | 289 |  |  | 686 |  |  |
Construction and development | — |  |  | 920 |  |  | 920 |  |  |
Commercial and industrial | 412 |  |  | 142 |  |  | 554 |  |  |
Tax-exempt | — |  |  | — |  |  | — |  |  |
Consumer | — |  |  | 74 |  |  | 74 |  |  |
Total loans HFI | $ | 1,267 |  |  | $ | 1,701 |  |  | $ | 2,968 |  |  |
The following table presents nonaccrual loans as of December 31, 2023:
(in thousands) | Nonaccrual with No ACL |  | Nonaccrual with ACL |  | Total Nonaccrual |  |
Real estate: |  |  |  |  |  |  |
Commercial real estate | $ | — |  |  | $ | 714 |  |  | $ | 714 |  |  |
One-to-four family residential | — |  |  | 269 |  |  | 269 |  |  |
Construction and development | — |  |  | — |  |  | — |  |  |
Commercial and industrial | 709 |  |  | 135 |  |  | 844 |  |  |
Tax-exempt | — |  |  | — |  |  | — |  |  |
Consumer | — |  |  | 132 |  |  | 132 |  |  |
Total loans HFI | $ | 709 |  |  | $ | 1,250 |  |  | $ | 1,959 |  |  |
Schedule of Financing Receivable Past Due | The following table presents the aging analysis of the past due loans and loans 90 days or more past due and still accruing interest by loan category as of December 31, 2024:
| Past Due |  |  |  |  |  |
(in thousands) | 30-59 Days |  | 60-89 Days Past Due |  | 90 Days or More |  | Current |  | Total Loans HFI |  | 90 Days or More Past Due and Accruing
Real estate: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | — |  |  | $ | — |  |  | $ | 704 |  |  | $ | 883,937 |  |  | $ | 884,641 |  |  | $ | — |
One-to-four family residential | 1,762 |  |  | 2,705 |  |  | 899 |  |  | 609,185 |  |  | 614,551 |  |  | 264 |
Construction and development | 32 |  |  | — |  |  | 918 |  |  | 154,279 |  |  | 155,229 |  |  | — |
Commercial and industrial | 4 |  |  | 2 |  |  | 453 |  |  | 326,627 |  |  | 327,086 |  |  | — |
Tax-exempt | — |  |  | — |  |  | — |  |  | 64,930 |  |  | 64,930 |  |  | — |
Consumer | 44 |  |  | 15 |  |  | 2 |  |  | 28,515 |  |  | 28,576 |  |  | 2 |
Total loans HFI | $ | 1,842 |  |  | $ | 2,722 |  |  | $ | 2,976 |  |  | $ | 2,067,473 |  |  | $ | 2,075,013 |  |  | $ | 266 |
The following table presents the aging analysis of the past due loans and loans 90 days or more past due and still accruing interest by loan category as of December 31, 2023:
| Past Due |  |  |  |  |  |
(in thousands) | 30-59 Days |  | 60-89 Days Past Due |  | 90 Days or More |  | Current |  | Total Loans HFI |  | 90 Days or More Past Due and Accruing
Real estate: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 36 |  |  | $ | — |  |  | $ | 678 |  |  | $ | 850,868 |  |  | $ | 851,582 |  |  | $ | — |
One-to-four family residential | 392 |  |  | 251 |  |  | 409 |  |  | 598,435 |  |  | 599,487 |  |  | 260 |
Construction and development | — |  |  | — |  |  | 265 |  |  | 124,973 |  |  | 125,238 |  |  | 265 |
Commercial and industrial | 132 |  |  | 60 |  |  | 847 |  |  | 314,288 |  |  | 315,327 |  |  | 45 |
Tax-exempt | — |  |  | — |  |  | — |  |  | 72,913 |  |  | 72,913 |  |  | — |
Consumer | 27 |  |  | 16 |  |  | 46 |  |  | 28,222 |  |  | 28,311 |  |  | 4 |
Total loans HFI | $ | 587 |  |  | $ | 327 |  |  | $ | 2,245 |  |  | $ | 1,989,699 |  |  | $ | 1,992,858 |  |  | $ | 574 |
Schedule of Impaired Financing Receivable | Information pertaining to impaired loans as of and for the year ended December 31, 2022, is as follows:
(in thousands) | Unpaid Principal Balance |  | Recorded Investment |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
With no related allowance recorded: |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 3,804 |  |  | $ | 3,796 |  |  | $ | — |  |  | $ | 3,194 |  |  | $ | 135 |
One-to-four family residential | 1,458 |  |  | 1,387 |  |  | — |  |  | 797 |  |  | 68 |
Construction and development | 9 |  |  | 9 |  |  | — |  |  | 104 |  |  | — |
Commercial and industrial | 51 |  |  | 51 |  |  | — |  |  | 58 |  |  | 4 |
Tax-exempt | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer | 26 |  |  | 26 |  |  | — |  |  | 9 |  |  | 1 |
Total with no related allowance | 5,348 |  |  | 5,269 |  |  | — |  |  | 4,162 |  |  | 208 |
With allowance recorded: |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |
Commercial real estate | 717 |  |  | 717 |  |  | 15 |  |  | 1,264 |  |  | 33 |
One-to-four family residential | 120 |  |  | 120 |  |  | 16 |  |  | 48 |  |  | 6 |
Construction and development | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial | 1,360 |  |  | 1,351 |  |  | 172 |  |  | 623 |  |  | 4 |
Tax-exempt | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer | 113 |  |  | 111 |  |  | 111 |  |  | 122 |  |  | 1 |
Total with related allowance | 2,310 |  |  | 2,299 |  |  | 314 |  |  | 2,057 |  |  | 44 |
Total impaired loans | $ | 7,658 |  |  | $ | 7,568 |  |  | $ | 314 |  |  | $ | 6,219 |  |  | $ | 252 |
Schedule of Modified Financing Receivable | A summary of loans modified as TDRs that occurred during the year ended December 31, 2022, is as follows:
|  |  | December 31, 2022
|  |  |  |  |  |  | Recorded Investment
(dollars in thousands) |  |  |  |  |  |  | Loan Count |  | Pre Modification |  | Post Modification
Real estate: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  | 1 |  |  | $ | 50 |  |  | $ | 50 |
One-to-four family residential |  |  |  |  |  |  | 5 |  |  | 696 |  |  | 699 |
Construction and development |  |  |  |  |  |  | — |  |  | — |  |  | — |
Commercial and industrial |  |  |  |  |  |  | — |  |  | — |  |  | — |
Tax-exempt |  |  |  |  |  |  | — |  |  | — |  |  | — |
Consumer |  |  |  |  |  |  | 1 |  |  | 104 |  |  | 104 |
Total |  |  |  |  |  |  | 7 |  |  | $ | 850 |  |  | $ | 853 |
Schedule of Financing Receivable by Credit Risk | The following table summarizes loans by risk rating and year of origination as of December 31, 2024, and gross charge-offs for the year ended December 31, 2024:
| Year of Origination |  |  |  |  |  |
(in thousands) | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior Years |  | Revolving Lines |  | Total
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate
Pass | $ | 141,677 |  |  | $ | 107,788 |  |  | $ | 242,693 |  |  | $ | 208,595 |  |  | $ | 68,371 |  |  | $ | 85,212 |  |  | $ | 22,731 |  |  | $ | 877,067 |
Special Mention | 2,883 |  |  | 221 |  |  | 1,475 |  |  | — |  |  | — |  |  | 658 |  |  | — |  |  | 5,237 |
Substandard | 725 |  |  | — |  |  | 194 |  |  | 684 |  |  | — |  |  | 734 |  |  | — |  |  | 2,337 |
Total | $ | 145,285 |  |  | $ | 108,009 |  |  | $ | 244,362 |  |  | $ | 209,279 |  |  | $ | 68,371 |  |  | $ | 86,604 |  |  | $ | 22,731 |  |  | $ | 884,641 |
One-to-four family residential
Pass | $ | 92,621 |  |  | $ | 104,575 |  |  | $ | 117,750 |  |  | $ | 111,730 |  |  | $ | 78,869 |  |  | $ | 86,432 |  |  | $ | 19,294 |  |  | $ | 611,271 |
Special Mention | 125 |  |  | — |  |  | — |  |  | 798 |  |  | — |  |  | 255 |  |  | — |  |  | 1,178 |
Substandard | — |  |  | 63 |  |  | 369 |  |  | 42 |  |  | 33 |  |  | 785 |  |  | 810 |  |  | 2,102 |
Total | $ | 92,746 |  |  | $ | 104,638 |  |  | $ | 118,119 |  |  | $ | 112,570 |  |  | $ | 78,902 |  |  | $ | 87,472 |  |  | $ | 20,104 |  |  | $ | 614,551 |
Construction and development
Pass | $ | 79,431 |  |  | $ | 51,997 |  |  | $ | 15,031 |  |  | $ | 3,629 |  |  | $ | 672 |  |  | $ | 1,514 |  |  | $ | 1,799 |  |  | $ | 154,073 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | 918 |  |  | — |  |  | — |  |  | — |  |  | 238 |  |  | — |  |  | 1,156 |
Total | $ | 79,431 |  |  | $ | 52,915 |  |  | $ | 15,031 |  |  | $ | 3,629 |  |  | $ | 672 |  |  | $ | 1,752 |  |  | $ | 1,799 |  |  | $ | 155,229 |
Commercial and industrial
Pass | $ | 85,573 |  |  | $ | 43,242 |  |  | $ | 32,024 |  |  | $ | 38,991 |  |  | $ | 7,619 |  |  | $ | 1,356 |  |  | $ | 115,704 |  |  | $ | 324,509 |
Special Mention | 646 |  |  | — |  |  | 1,191 |  |  | — |  |  | — |  |  | — |  |  | 78 |  |  | 1,915 |
Substandard | 26 |  |  | 2 |  |  | 58 |  |  | 11 |  |  | 2 |  |  | 78 |  |  | 485 |  |  | 662 |
Total | $ | 86,245 |  |  | $ | 43,244 |  |  | $ | 33,273 |  |  | $ | 39,002 |  |  | $ | 7,621 |  |  | $ | 1,434 |  |  | $ | 116,267 |  |  | $ | 327,086 |
Tax-exempt
Pass | $ | 2,510 |  |  | $ | 1,893 |  |  | $ | 14,976 |  |  | $ | 6,626 |  |  | $ | 10,811 |  |  | $ | 28,114 |  |  | $ | — |  |  | $ | 64,930 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 2,510 |  |  | $ | 1,893 |  |  | $ | 14,976 |  |  | $ | 6,626 |  |  | $ | 10,811 |  |  | $ | 28,114 |  |  | $ | — |  |  | $ | 64,930 |
Consumer
Pass | $ | 15,638 |  |  | $ | 7,316 |  |  | $ | 3,009 |  |  | $ | 869 |  |  | $ | 335 |  |  | $ | 183 |  |  | $ | 1,135 |  |  | $ | 28,485 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | 10 |  |  | — |  |  | — |  |  | — |  |  | 74 |  |  | 7 |  |  | 91 |
Total | $ | 15,638 |  |  | $ | 7,326 |  |  | $ | 3,009 |  |  | $ | 869 |  |  | $ | 335 |  |  | $ | 257 |  |  | $ | 1,142 |  |  | $ | 28,576 |
Total loans HFI | $ | 421,855 |  |  | $ | 318,025 |  |  | $ | 428,770 |  |  | $ | 371,975 |  |  | $ | 166,712 |  |  | $ | 205,633 |  |  | $ | 162,043 |  |  | $ | 2,075,013 |
Gross charge-offs | $ | 13 |  |  | $ | 27 |  |  | $ | 37 |  |  | $ | 1 |  |  | $ | — |  |  | $ | 312 |  |  | $ | 413 |  |  | $ | 803 |
The following table summarizes loans by risk rating and year of origination as of December 31, 2023, and gross charge-offs for the year ended December 31, 2023:
| Year of Origination |  |  |  |  |  |
(in thousands) | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior Years |  | Revolving Lines |  | Total
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate
Pass | $ | 124,134 |  |  | $ | 256,707 |  |  | $ | 239,364 |  |  | $ | 76,754 |  |  | $ | 63,475 |  |  | $ | 61,957 |  |  | $ | 18,467 |  |  | $ | 840,858 |
Special Mention | 73 |  |  | — |  |  | 3,186 |  |  | — |  |  | 1,031 |  |  | 4,082 |  |  | — |  |  | 8,372 |
Substandard | 184 |  |  | 779 |  |  | 675 |  |  | — |  |  | — |  |  | 714 |  |  | — |  |  | 2,352 |
Total | $ | 124,391 |  |  | $ | 257,486 |  |  | $ | 243,225 |  |  | $ | 76,754 |  |  | $ | 64,506 |  |  | $ | 66,753 |  |  | $ | 18,467 |  |  | $ | 851,582 |
One-to-four family residential
Pass | $ | 122,004 |  |  | $ | 134,583 |  |  | $ | 129,388 |  |  | $ | 90,190 |  |  | $ | 31,110 |  |  | $ | 74,077 |  |  | $ | 16,472 |  |  | $ | 597,824 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 261 |  |  | — |  |  | 261 |
Substandard | — |  |  | 79 |  |  | — |  |  | 37 |  |  | 385 |  |  | 827 |  |  | 74 |  |  | 1,402 |
Total | $ | 122,004 |  |  | $ | 134,662 |  |  | $ | 129,388 |  |  | $ | 90,227 |  |  | $ | 31,495 |  |  | $ | 75,165 |  |  | $ | 16,546 |  |  | $ | 599,487 |
Construction and development
Pass | $ | 54,189 |  |  | $ | 55,515 |  |  | $ | 10,333 |  |  | $ | 1,742 |  |  | $ | 2,158 |  |  | $ | 1,015 |  |  | $ | 286 |  |  | $ | 125,238 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 54,189 |  |  | $ | 55,515 |  |  | $ | 10,333 |  |  | $ | 1,742 |  |  | $ | 2,158 |  |  | $ | 1,015 |  |  | $ | 286 |  |  | $ | 125,238 |
Commercial and industrial
Pass | $ | 73,653 |  |  | $ | 49,637 |  |  | $ | 51,012 |  |  | $ | 13,863 |  |  | $ | 7,409 |  |  | $ | 813 |  |  | $ | 107,171 |  |  | $ | 303,558 |
Special Mention | 1,208 |  |  | 937 |  |  | 4,659 |  |  | — |  |  | 310 |  |  | 509 |  |  | 3,173 |  |  | 10,796 |
Substandard | 4 |  |  | — |  |  | 59 |  |  | 5 |  |  | 54 |  |  | 51 |  |  | 800 |  |  | 973 |
Total | $ | 74,865 |  |  | $ | 50,574 |  |  | $ | 55,730 |  |  | $ | 13,868 |  |  | $ | 7,773 |  |  | $ | 1,373 |  |  | $ | 111,144 |  |  | $ | 315,327 |
Tax-exempt
Pass | $ | 959 |  |  | $ | 15,679 |  |  | $ | 8,174 |  |  | $ | 13,919 |  |  | $ | 4,250 |  |  | $ | 29,932 |  |  | $ | — |  |  | $ | 72,913 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 959 |  |  | $ | 15,679 |  |  | $ | 8,174 |  |  | $ | 13,919 |  |  | $ | 4,250 |  |  | $ | 29,932 |  |  | $ | — |  |  | $ | 72,913 |
Consumer
Pass | $ | 16,947 |  |  | $ | 6,385 |  |  | $ | 2,325 |  |  | $ | 858 |  |  | $ | 363 |  |  | $ | 133 |  |  | $ | 1,173 |  |  | $ | 28,184 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | 29 |  |  | — |  |  | — |  |  | — |  |  | 90 |  |  | 8 |  |  | 127 |
Total | $ | 16,947 |  |  | $ | 6,414 |  |  | $ | 2,325 |  |  | $ | 858 |  |  | $ | 363 |  |  | $ | 223 |  |  | $ | 1,181 |  |  | $ | 28,311 |
Total loans HFI | $ | 393,355 |  |  | $ | 520,330 |  |  | $ | 449,175 |  |  | $ | 197,368 |  |  | $ | 110,545 |  |  | $ | 174,461 |  |  | $ | 147,624 |  |  | $ | 1,992,858 |
Gross charge-offs | $ | 12 |  |  | $ | 20 |  |  | $ | 1 |  |  | $ | — |  |  | $ | 10 |  |  | $ | 25 |  |  | $ | 405 |  |  | $ | 473 |

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