XML 51 R33.htm IDEA: XBRL DOCUMENT
v3.25.0.1

Loans and Allowance for Credit Losses on Loans (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2024
Receivables [Abstract] |
Schedule of Loans by Class | The following table presents the amortized cost of loans by portfolio class as of December 31, 2024 and 2023.
| December 31,
(in thousands) | 2024 | 2023
Commercial and industrial | $ | 152,263 |  | $ | 153,750 |
Real estate: |  |
Commercial owner-occupied | 321,962 |  | 333,181 |
Commercial non-owner occupied | 1,273,596 |  | 1,219,385 |
Construction | 36,970 |  | 99,164 |
Home equity | 88,325 |  | 82,087 |
Other residential | 143,207 |  | 118,508 |
Installment and other consumer loans | 66,933 |  | 67,645 |
Total loans, at amortized cost 1 | 2,083,256 |  | 2,073,720 |
Allowance for credit losses on loans | (30,656) |  | (25,172) |
Total loans, net of allowance for credit losses on loans | $ | 2,052,600 |  | $ | 2,048,548 |
1 A mortized cost includes net deferred loan origination costs of $2.5 million and $2.7 million at December 31, 2024 and 2023, respectively. Amounts are also net of unrecognized purchase discounts of $1.1 million and $2.0 million at December 31, 2024 and 2023, respectively. Amortized cost excludes accrued interest, which totaled $6.8 million and $6.6 million at December 31, 2024 and 2023, respectively, and is included in interest receivable and other assets in the consolidated statements of condition.
Schedule of Financing Receivable Credit Quality Indicators | The following tables present the loan portfolio by loan portfolio class, origination/renewal year and internal risk rating as of December 31, 2024 and 2023. The current year vintage table reflects gross charge-offs by portfolio class and year of origination. Generally, existing term loans that were re-underwritten are reflected in the table in the year of renewal. Lines of credit that have a conversion feature at the time of origination, such as construction to perm loans, are presented by year of origination.
(in thousands) | Term Loans - Amortized Cost by Origination Year | Revolving Loans Amortized Cost |
December 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Total
Commercial and industrial: |  |  |  |  |  |  |  |
Pass and Watch | $ | 9,951 |  | $ | 20,282 |  | $ | 7,742 |  | $ | 1,371 |  | $ | 2,650 |  | $ | 27,487 |  | $ | 71,212 |  | $ | 140,695 |
Special Mention | 598 |  | — |  | — |  | — |  | 5 |  | 221 |  | 7,286 |  | 8,110 |
Substandard | — |  | — |  | 2,793 |  | — |  | — |  | — |  | 665 |  | 3,458 |
Total commercial and industrial | $ | 10,549 |  | $ | 20,282 |  | $ | 10,535 |  | $ | 1,371 |  | $ | 2,655 |  | $ | 27,708 |  | $ | 79,163 |  | $ | 152,263 |
Gross current period charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | (41) |  | $ | (41) |
Commercial real estate, owner-occupied: |  |  |  |  |  |  |  |
Pass and Watch | $ | 14,638 |  | $ | 13,386 |  | $ | 43,381 |  | $ | 44,536 |  | $ | 41,160 |  | $ | 130,197 |  | $ | 169 |  | $ | 287,467 |
Special Mention | — |  | 378 |  | — |  | 18,870 |  | 804 |  | 9,499 |  | — |  | 29,551 |
Substandard | — |  | — |  | 2,110 |  | — |  | — |  | 2,834 |  | — |  | 4,944 |
Total commercial real estate, owner-occupied | $ | 14,638 |  | $ | 13,764 |  | $ | 45,491 |  | $ | 63,406 |  | $ | 41,964 |  | $ | 142,530 |  | $ | 169 |  | $ | 321,962 |
Commercial real estate, non-owner occupied: |  |  |  |  |  |  |  |
Pass and Watch | $ | 119,053 |  | $ | 64,906 |  | $ | 162,804 |  | $ | 196,661 |  | $ | 179,060 |  | $ | 442,574 |  | $ | 9,178 |  | $ | 1,174,236 |
Special Mention | 18,343 |  | — |  | 2,736 |  | 2,097 |  | 729 |  | 39,888 |  | — |  | 63,793 |
Substandard | — |  | 497 |  | — |  | 2,127 |  | — |  | 32,943 |  | — |  | 35,567 |
Total commercial real estate, non-owner occupied | $ | 137,396 |  | $ | 65,403 |  | $ | 165,540 |  | $ | 200,885 |  | $ | 179,789 |  | $ | 515,405 |  | $ | 9,178 |  | $ | 1,273,596 |
Construction: |  |  |  |  |  |  |  |
Pass and Watch | $ | 18,128 |  | $ | — |  | $ | 11,380 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 29,508 |
Special Mention | 7,462 |  | — |  | — |  | — |  | — |  | — |  | — |  | 7,462 |
Total construction | $ | 25,590 |  | $ | — |  | $ | 11,380 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 36,970 |
Home equity: |  |  |  |  |  |  |  |
Pass and Watch | $ | 94 |  | $ | 13 |  | $ | — |  | $ | — |  | $ | — |  | $ | 968 |  | $ | 86,337 |  | $ | 87,412 |
Substandard | — |  | — |  | — |  | — |  | — |  | 174 |  | 739 |  | 913 |
Total home equity | $ | 94 |  | $ | 13 |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,142 |  | $ | 87,076 |  | $ | 88,325 |
Other residential: |  |  |  |  |  |  |  |
Pass and Watch | $ | 35,390 |  | $ | 17,267 |  | $ | 19,682 |  | $ | 12,989 |  | $ | 24,378 |  | $ | 33,501 |  | $ | — |  | $ | 143,207 |
Total other residential | $ | 35,390 |  | $ | 17,267 |  | $ | 19,682 |  | $ | 12,989 |  | $ | 24,378 |  | $ | 33,501 |  | $ | — |  | $ | 143,207 |
Installment and other consumer: |  |  |  |  |  |  |  |
Pass and Watch | $ | 17,525 |  | $ | 15,429 |  | $ | 10,841 |  | $ | 7,798 |  | $ | 2,788 |  | $ | 10,901 |  | $ | 1,429 |  | $ | 66,711 |
Substandard | — |  | — |  | — |  | 207 |  | — |  | 15 |  | — |  | 222 |
Total installment and other consumer | $ | 17,525 |  | $ | 15,429 |  | $ | 10,841 |  | $ | 8,005 |  | $ | 2,788 |  | $ | 10,916 |  | $ | 1,429 |  | $ | 66,933 |
Gross current period charge-offs | $ | — |  | $ | (14) |  | $ | — |  | $ | (39) |  | $ | — |  | $ | (1) |  | $ | (4) |  | $ | (58) |
Total loans: |  |  |  |  |  |  |  |
Pass and Watch | $ | 214,779 |  | $ | 131,283 |  | $ | 255,830 |  | $ | 263,355 |  | $ | 250,036 |  | $ | 645,628 |  | $ | 168,325 |  | $ | 1,929,236 |
Total Special Mention | $ | 26,403 |  | $ | 378 |  | $ | 2,736 |  | $ | 20,967 |  | $ | 1,538 |  | $ | 49,608 |  | $ | 7,286 |  | $ | 108,916 |
Total Substandard | $ | — |  | $ | 497 |  | $ | 4,903 |  | $ | 2,334 |  | $ | — |  | $ | 35,966 |  | $ | 1,404 |  | $ | 45,104 |
Totals | $ | 241,182 |  | $ | 132,158 |  | $ | 263,469 |  | $ | 286,656 |  | $ | 251,574 |  | $ | 731,202 |  | $ | 177,015 |  | $ | 2,083,256 |
Total gross current period charge-offs | $ | — |  | $ | (14) |  | $ | — |  | $ | (39) |  | $ | — |  | $ | (1) |  | $ | (45) |  | $ | (99) |
(in thousands) | Term Loans - Amortized Cost by Origination Year | Revolving Loans Amortized Cost |
December 31, 2023 | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Total
Commercial and industrial: |  |  |  |  |  |  |  |
Pass and Watch | $ | 25,615 |  | $ | 9,187 |  | $ | 2,970 |  | $ | 3,718 |  | $ | 15,128 |  | $ | 21,004 |  | $ | 62,486 |  | $ | 140,108 |
Special Mention | — |  | — |  | — |  | — |  | 334 |  | — |  | 9,300 |  | 9,634 |
Substandard | — |  | — |  | — |  | — |  | 1,311 |  | 2,697 |  | — |  | 4,008 |
Total commercial and industrial | $ | 25,615 |  | $ | 9,187 |  | $ | 2,970 |  | $ | 3,718 |  | $ | 16,773 |  | $ | 23,701 |  | $ | 71,786 |  | $ | 153,750 |
Commercial real estate, owner-occupied: |  |  |  |  |  |  |  |
Pass and Watch | $ | 13,128 |  | $ | 41,808 |  | $ | 49,887 |  | $ | 37,708 |  | $ | 40,994 |  | $ | 114,018 |  | $ | 56 |  | $ | 297,599 |
Special Mention | 1,431 |  | 4,498 |  | 15,636 |  | 820 |  | 286 |  | 8,902 |  | — |  | 31,573 |
Substandard | — |  | 2,231 |  | — |  | — |  | — |  | 1,778 |  | — |  | 4,009 |
Total commercial real estate, owner-occupied | $ | 14,559 |  | $ | 48,537 |  | $ | 65,523 |  | $ | 38,528 |  | $ | 41,280 |  | $ | 124,698 |  | $ | 56 |  | $ | 333,181 |
Commercial real estate, non-owner occupied: |  |  |  |  |  |  |  |
Pass and Watch | $ | 76,718 |  | $ | 172,028 |  | $ | 196,340 |  | $ | 150,831 |  | $ | 139,860 |  | $ | 368,675 |  | $ | 9,832 |  | $ | 1,114,284 |
Special Mention | — |  | 2,790 |  | 9,498 |  | 11,776 |  | 15,708 |  | 41,602 |  | — |  | 81,374 |
Substandard | 878 |  | 272 |  | 2,204 |  | — |  | — |  | 20,373 |  | — |  | 23,727 |
Total commercial real estate, non-owner occupied | $ | 77,596 |  | $ | 175,090 |  | $ | 208,042 |  | $ | 162,607 |  | $ | 155,568 |  | $ | 430,650 |  | $ | 9,832 |  | $ | 1,219,385 |
Construction: |  |  |  |  |  |  |  |
Pass and Watch | $ | 13,138 |  | $ | 24,403 |  | $ | 19,521 |  | $ | 29,512 |  | $ | — |  | $ | — |  | $ | — |  | $ | 86,574 |
Special Mention | 12,590 |  | — |  | — |  | — |  | — |  | — |  | — |  | 12,590 |
Total construction | $ | 25,728 |  | $ | 24,403 |  | $ | 19,521 |  | $ | 29,512 |  | $ | — |  | $ | — |  | $ | — |  | $ | 99,164 |
Home equity: |  |  |  |  |  |  |  |
Pass and Watch | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 734 |  | $ | 80,773 |  | $ | 81,507 |
Substandard | — |  | — |  | — |  | — |  | — |  | 369 |  | 211 |  | 580 |
Total home equity | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,103 |  | $ | 80,984 |  | $ | 82,087 |
Other residential: |  |  |  |  |  |  |  |
Pass and Watch | $ | 17,861 |  | $ | 20,114 |  | $ | 13,390 |  | $ | 25,637 |  | $ | 20,935 |  | $ | 20,571 |  | $ | — |  | $ | 118,508 |
Total other residential | $ | 17,861 |  | $ | 20,114 |  | $ | 13,390 |  | $ | 25,637 |  | $ | 20,935 |  | $ | 20,571 |  | $ | — |  | $ | 118,508 |
Installment and other consumer: |  |  |  |  |  |  |  |
Pass and Watch | $ | 22,038 |  | $ | 14,528 |  | $ | 10,632 |  | $ | 4,687 |  | $ | 5,300 |  | $ | 9,399 |  | $ | 1,061 |  | $ | 67,645 |
Total installment and other consumer | $ | 22,038 |  | $ | 14,528 |  | $ | 10,632 |  | $ | 4,687 |  | $ | 5,300 |  | $ | 9,399 |  | $ | 1,061 |  | $ | 67,645 |
Total loans: |  |  |  |  |  |  |  |
Pass and Watch | $ | 168,498 |  | $ | 282,068 |  | $ | 292,740 |  | $ | 252,093 |  | $ | 222,217 |  | $ | 534,401 |  | $ | 154,208 |  | $ | 1,906,225 |
Total Special Mention | $ | 14,021 |  | $ | 7,288 |  | $ | 25,134 |  | $ | 12,596 |  | $ | 16,328 |  | $ | 50,504 |  | $ | 9,300 |  | $ | 135,171 |
Total Substandard | $ | 878 |  | $ | 2,503 |  | $ | 2,204 |  | $ | — |  | $ | 1,311 |  | $ | 25,217 |  | $ | 211 |  | $ | 32,324 |
Totals | $ | 183,397 |  | $ | 291,859 |  | $ | 320,078 |  | $ | 264,689 |  | $ | 239,856 |  | $ | 610,122 |  | $ | 163,719 |  | $ | 2,073,720 |
Schedule of Past Due Financing Receivables | The following table shows the amortized cost of loans by portfolio class, payment aging and non-accrual status as of December 31, 2024 and 2023.
Loan Aging Analysis by Portfolio Class
(in thousands) | Commercial and industrial | Commercial real estate, owner-occupied | Commercial real estate, non-owner occupied | Construction | Home equity | Other residential | Installment and other consumer | Total
December 31, 2024 |  |  |  |  |  |  |  |
30-59 days past due | $ | 203 |  | $ | 208 |  | $ | 718 |  | $ | — |  | $ | 738 |  | $ | — |  | $ | 415 |  | $ | 2,282 |
60-89 days past due | — |  | 559 |  | — |  | — |  | 186 |  | — |  | 7 |  | 752 |
90 days or more past due 1 | 2,793 |  | 113 |  | 10,742 |  | — |  | 248 |  | — |  | 8 |  | 13,904 |
Total past due | 2,996 |  | 880 |  | 11,460 |  | — |  | 1,172 |  | — |  | 430 |  | 16,938 |
Current | 149,267 |  | 321,082 |  | 1,262,136 |  | 36,970 |  | 87,153 |  | 143,207 |  | 66,503 |  | 2,066,318 |
Total loans 1 | $ | 152,263 |  | $ | 321,962 |  | $ | 1,273,596 |  | $ | 36,970 |  | $ | 88,325 |  | $ | 143,207 |  | $ | 66,933 |  | $ | 2,083,256 |
Non-accrual loans 2 | $ | 2,845 |  | $ | 1,537 |  | $ | 28,525 |  | $ | — |  | $ | 752 |  | $ | — |  | $ | 222 |  | $ | 33,881 |
Non-accrual loans with no allowance | $ | — |  | $ | 1,537 |  | $ | 497 |  | $ | — |  | $ | 752 |  | $ | — |  | $ | 207 |  | $ | 2,993 |
December 31, 2023 |  |  |  |  |  |  |  |
30-59 days past due | $ | 2,991 |  | $ | 618 |  | $ | — |  | $ | — |  | $ | 43 |  | $ | 83 |  | $ | 195 |  | $ | 3,930 |
60-89 days past due | 69 |  | — |  | 2,204 |  | — |  | — |  | — |  | 1 |  | 2,274 |
90 days or more past due 1 | 1,311 |  | 149 |  | — |  | — |  | — |  | — |  | — |  | 1,460 |
Total past due | 4,371 |  | 767 |  | 2,204 |  | — |  | 43 |  | 83 |  | 196 |  | 7,664 |
Current | 149,379 |  | 332,414 |  | 1,217,181 |  | 99,164 |  | 82,044 |  | 118,425 |  | 67,449 |  | 2,066,056 |
Total loans 1 | $ | 153,750 |  | $ | 333,181 |  | $ | 1,219,385 |  | $ | 99,164 |  | $ | 82,087 |  | $ | 118,508 |  | $ | 67,645 |  | $ | 2,073,720 |
Non-accrual loans 2 | $ | 4,008 |  | $ | 434 |  | $ | 3,081 |  | $ | — |  | $ | 469 |  | $ | — |  | $ | — |  | $ | 7,992 |
Non-accrual loans with no allowance | $ | 1,311 |  | $ | 434 |  | $ | 877 |  | $ | — |  | $ | 469 |  | $ | — |  | $ | — |  | $ | 3,091 |
1 There were no non-performing loans past due more than ninety days and accruing interest at December 31, 2024 and 2023. 2 None of the non-accrual loans as of December 31, 2024 or 2023 were earning interest on a cash basis. We recognized no interest income on non-accrual loans in 2024, 2023, or 2022. Accrued interest of $530 thousand, $206 thousand, and $48 thousand was reversed from interest income for the loans that were placed on non-accrual status in 2024, 2023, and 2022, respectively.
Schedule of Collateral Dependent Loans | The following table presents the amortized cost basis of individually analyzed collateral-dependent loans, which were all on non-accrual status, by portfolio class and collateral type as of December 31, 2024 and 2023.
| Amortized Cost by Collateral Type |
(in thousands) | Commercial Real Estate | Residential Real Estate |  | Other | Total 1 | Allowance for Credit Losses
December 31, 2024 |  |  |  |  |  |
Commercial and industrial | $ | 52 |  | $ | — |  |  | $ | — |  | $ | 52 |  | $ | 52 |
Commercial real estate, owner-occupied | 1,537 |  | — |  |  | — |  | 1,537 |  | — |
Commercial real estate, non-owner occupied | 28,525 |  | — |  |  | — |  | 28,525 |  | 7,933 |
Home equity | — |  | 752 |  |  | — |  | 752 |  | — |
Installment and other consumer | — |  |  |  | 222 |  | 222 |  | 15 |
Total | $ | 30,114 |  | $ | 752 |  |  | $ | 222 |  | $ | 31,088 |  | $ | 8,000 |
December 31, 2023 |  |  |  |  |  |
Commercial and industrial | $ | 1,311 |  | $ | — |  |  | $ | — |  | $ | 1,311 |  | $ | — |
Commercial real estate, owner-occupied | 434 |  | — |  |  | — |  | 434 |  | — |
Commercial real estate, non-owner occupied | 3,081 |  | — |  |  | — |  | 3,081 |  | 408 |
Home equity | — |  | 469 |  |  | — |  | 469 |  | — |
Total | $ | 4,826 |  | $ | 469 |  |  | $ | — |  | $ | 5,295 |  | $ | 408 |
1 There were no collateral-dependent residential real estate mortgage loans in process of foreclosure or in substance repossessed at December 31, 2024 and 2023. The weighted average loan-to-value of collateral-dependent loans was approximately 115% and 70% at December 31, 2024 and 2023, respectively.
Schedule of Troubled Debt Restructurings on Financing Receivables | The following table summarizes the amortized cost of loans as of December 31, 2024 and 2023 modified for borrowers experiencing financial difficulty during the years ended December 31, 2024 and 2023, respectively, by portfolio class and type of modification granted.
(in thousands) |  |  | Term Extension |  | Total Modifications | Percent of Portfolio Class Total
December 31, 2024 |  |  |  |  |  |
Home equity |  |  | $ | 188 |  |  | $ | 188 |  | 0.2 | %
Total |  |  | $ | 188 |  |  | $ | 188 |  |
December 31, 2023 |  |  |  |  |  |
Commercial owner-occupied |  |  | $ | 1,431 |  |  | $ | 1,431 |  | 0.4 | %
Commercial non-owner occupied |  |  | 878 |  |  | 878 |  | 0.1 | %
Total |  |  | $ | 2,309 |  |  | $ | 2,309 |  |
The following table summarizes the financial effect of loan modifications presented in the table above during the years ended December 31, 2024 and 2023 by portfolio class.
(in thousands) |  |  | Weighted-Average Term Extension (in years)
Year ended December 31, 2024 |  |  |
Home equity |  |  | 6.6
Year ended December 31, 2023 |  |  |
Commercial owner-occupied |  |  | 2.3
Commercial non-owner occupied |  |  | 0.5
The following table summarizes the amortized cost and payment status of loans as of December 31, 2024 and 2023 that were modified during the years ended December 31, 2024 and 2023, respectively, by portfolio class.
(in thousands) | Current | 30-59 Days Past Due | 60-89 Days Past Due | 90 Days or More Past Due | Total | Non-Accrual
December 31, 2024 |  |  |  |  |  |
Home equity | $ | 188 |  | $ | — |  | $ | — |  | $ | — |  | $ | 188 |  | $ | 113 |
Total | $ | 188 |  | $ | — |  | $ | — |  | $ | — |  | $ | 188 |  | $ | 113 |
December 31, 2023 |  |  |  |  |  |
Commercial owner-occupied | $ | 1,431 |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,431 |  | $ | — |
Commercial non-owner occupied | 878 |  | — |  | — |  | — |  | 878 |  | 878 |
Total | $ | 2,309 |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,309 |  | $ | 878 |
Schedule of Allowance for Credit Losses on Financing Receivables | The following table presents the details of the allowance for credit losses on loans segregated by loan portfolio class as of December 31, 2024 and 2023.
Allocation of the Allowance for Credit Losses on Loans
(in thousands) | Commercial and industrial | Commercial real estate, owner-occupied | Commercial real estate, non-owner occupied | Construction | Home equity | Other residential | Installment and other consumer | Unallocated | Total
December 31, 2024 |  |  |  |  |  |  |  |  |
Modeled expected credit losses | $ | 759 |  | $ | 1,241 |  | $ | 7,632 |  | $ | 41 |  | $ | 620 |  | $ | 1,133 |  | $ | 625 |  | $ | — |  | $ | 12,051 |
Qualitative adjustments | 672 |  | 1,120 |  | 6,528 |  | 597 |  | 64 |  | 8 |  | 268 |  | 1,255 |  | 10,512 |
Specific allocations | 145 |  | — |  | 7,933 |  | — |  | — |  | — |  | 15 |  | — |  | 8,093 |
Total | $ | 1,576 |  | $ | 2,361 |  | $ | 22,093 |  | $ | 638 |  | $ | 684 |  | $ | 1,141 |  | $ | 908 |  | $ | 1,255 |  | $ | 30,656 |
December 31, 2023 |  |  |  |  |  |  |  |  |
Modeled expected credit losses | $ | 897 |  | $ | 1,270 |  | $ | 7,380 |  | $ | 185 |  | $ | 482 |  | $ | 619 |  | $ | 634 |  | $ | — |  | $ | 11,467 |
Qualitative adjustments | 622 |  | 1,205 |  | 6,327 |  | 1,647 |  | 70 |  | 33 |  | 342 |  | 2,038 |  | 12,284 |
Specific allocations | 193 |  | 1 |  | 1,226 |  | — |  | — |  | 1 |  | — |  | — |  | 1,421 |
Total | $ | 1,712 |  | $ | 2,476 |  | $ | 14,933 |  | $ | 1,832 |  | $ | 552 |  | $ | 653 |  | $ | 976 |  | $ | 2,038 |  | $ | 25,172 |
The following table discloses activity in the allowance for credit losses for the periods presented.
Allowance for Credit Losses on Loans Rollforward
(in thousands) | Commercial and industrial | Commercial real estate, owner-occupied | Commercial real estate, non-owner occupied | Construction | Home equity | Other residential | Installment and other consumer | Unallocated | Total
Year ended December 31, 2024 |  |  |  |  |  |  |
Beginning balance | $ | 1,712 |  | $ | 2,476 |  | $ | 14,933 |  | $ | 1,832 |  | $ | 552 |  | $ | 653 |  | $ | 976 |  | $ | 2,038 |  | $ | 25,172 |
(Reversal) provision | (116) |  | (115) |  | 7,152 |  | (1,194) |  | 132 |  | 488 |  | (14) |  | (783) |  | 5,550 |
(Charge-offs) | (41) |  | — |  | — |  | — |  | — |  | — |  | (58) |  | — |  | (99) |
Recoveries | 21 |  | — |  | 8 |  | — |  | — |  | — |  | 4 |  | — |  | 33 |
Ending balance | $ | 1,576 |  | $ | 2,361 |  | $ | 22,093 |  | $ | 638 |  | $ | 684 |  | $ | 1,141 |  | $ | 908 |  | $ | 1,255 |  | $ | 30,656 |
Year ended December 31, 2023 |  |  |  |  |  |  |
Beginning balance | $ | 1,794 |  | $ | 2,487 |  | $ | 12,676 |  | $ | 1,937 |  | $ | 558 |  | $ | 595 |  | $ | 868 |  | $ | 2,068 |  | 22,983 |
(Reversal) provision | (100) |  | 395 |  | 2,257 |  | (130) |  | (6) |  | 58 |  | 131 |  | (30) |  | 2,575 |
(Charge-offs) | (11) |  | (406) |  | — |  | — |  | — |  | — |  | (24) |  | — |  | (441) |
Recoveries | 29 |  | — |  | — |  | 25 |  | — |  | — |  | 1 |  | — |  | 55 |
Ending balance | $ | 1,712 |  | $ | 2,476 |  | $ | 14,933 |  | $ | 1,832 |  | $ | 552 |  | $ | 653 |  | $ | 976 |  | $ | 2,038 |  | $ | 25,172 |
Year ended December 31, 2022 |  |  |  |  |  |  |  |  |
Beginning balance | $ | 1,709 |  | $ | 2,776 |  | $ | 12,739 |  | $ | 1,653 |  | $ | 595 |  | $ | 644 |  | $ | 621 |  | $ | 2,286 |  | $ | 23,023 |
Provision (reversal) | 72 |  | (289) |  | (63) |  | 251 |  | (37) |  | (49) |  | 270 |  | (218) |  | (63) |
(Charge-offs) | (9) |  | — |  | — |  | — |  | — |  | — |  | (23) |  | — |  | (32) |
Recoveries | 22 |  | — |  | — |  | 33 |  | — |  | — |  | — |  | — |  | 55 |
Ending balance | $ | 1,794 |  | $ | 2,487 |  | $ | 12,676 |  | $ | 1,937 |  | $ | 558 |  | $ | 595 |  | $ | 868 |  | $ | 2,068 |  | $ | 22,983 |
Schedule of Related Party Transactions | The following table shows changes in net loans to related parties for each of the three years ended December 31, 2024, 2023 and 2022.
(in thousands) | 2024 | 2023 | 2022
Balance at beginning of year | $ | 5,832 |  | $ | 6,445 |  | $ | 7,942 |
Additions | 1,425 |  | — |  | 1,525 |
Repayments | (3,125) |  | (613) |  | (364) |
Reclassified due to a change in borrower status | — |  | — |  | (2,658) |
Balance at end of year | $ | 4,132 |  | $ | 5,832 |  | $ | 6,445 |

X
- Definition Schedule of Collateral Dependent Loans + References No definition available. + Details
Name: | bmrc_ScheduleOfCollateralDependentLoansTableTextBlock
Namespace Prefix: | bmrc_
Data Type: | dtr-types1:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 29 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-29 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 7A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-7A Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 7 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-7 Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 14 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-14 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 80 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-80 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(4)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(3)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of related party transactions. Examples of related party transactions include, but are not limited to, transactions between (a) a parent company and its subsidiary; (b) subsidiaries of a common parent; (c) and entity and its principal owners and (d) affiliates. + References No definition available. + Details
Name: | us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 34 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-34 Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 33 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-33 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration