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Loans and ACL (Tables) | 3 Months Ended
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Mar. 31, 2025
Receivables [Abstract] |
Summary of Amortized Cost of Loans Held for Investment | The following table presents the amortized cost of loans held for investment as of the dates stated.
(Dollars in thousands) |  | March 31, 2025 |  |  | December 31, 2024 |
Commercial and industrial |  | $ | 340,099 |  |  | $ | 354,904 |
Real estate – construction, commercial |  |  | 103,006 |  |  |  | 114,491 |
Real estate – construction, residential |  |  | 53,498 |  |  |  | 51,807 |
Real estate – commercial |  |  | 834,223 |  |  |  | 847,842 |
Real estate – residential |  |  | 683,946 |  |  |  | 692,253 |
Real estate – farmland |  |  | 4,748 |  |  |  | 5,520 |
Consumer |  |  | 39,761 |  |  |  | 43,938 |
Gross loans held for investment |  |  | 2,059,281 |  |  |  | 2,110,755 |
Deferred costs, net of loan fees |  |  | 429 |  |  |  | 1,042 |
Total |  | $ | 2,059,710 |  |  | $ | 2,111,797 |
Summary of Financing Receivable, Past Due | The following tables present the aging of the recorded investment of loans held for investment by loan category as of the dates stated.
|  | March 31, 2025 |
(Dollars in thousands) |  | Current Loans |  |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater than 90 Days Past Due & Accruing |  |  | Nonaccrual |  |  | Total Loans |
Commercial and industrial |  | $ | 325,702 |  |  | $ | 1,456 |  |  | $ | 874 |  |  | $ | 2,316 |  |  | $ | 9,751 |  |  | $ | 340,099 |
Real estate – construction, commercial |  |  | 102,788 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 218 |  |  |  | 103,006 |
Real estate – construction, residential |  |  | 53,498 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 53,498 |
Real estate – commercial |  |  | 826,279 |  |  |  | 3,651 |  |  |  | 119 |  |  |  | — |  |  |  | 4,174 |  |  |  | 834,223 |
Real estate – residential |  |  | 664,685 |  |  |  | 11,252 |  |  |  | 519 |  |  |  | 70 |  |  |  | 7,420 |  |  |  | 683,946 |
Real estate – farmland |  |  | 4,748 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4,748 |
Consumer |  |  | 37,748 |  |  |  | 889 |  |  |  | 192 |  |  |  | 222 |  |  |  | 710 |  |  |  | 39,761 |
Deferred costs, net of loan fees |  |  | 429 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 429 |
Total |  | $ | 2,015,877 |  |  | $ | 17,248 |  |  | $ | 1,704 |  |  | $ | 2,608 |  |  | $ | 22,273 |  |  | $ | 2,059,710 |
|  | December 31, 2024 |
(Dollars in thousands) |  | Current Loans |  |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater than 90 Days Past Due & Accruing |  |  | Nonaccrual |  |  | Total Loans |
Commercial and industrial |  | $ | 339,893 |  |  | $ | 1,335 |  |  | $ | 1,232 |  |  | $ | 2,259 |  |  | $ | 10,185 |  |  | $ | 354,904 |
Real estate – construction, commercial |  |  | 114,238 |  |  |  | — |  |  |  | 33 |  |  |  | — |  |  |  | 220 |  |  |  | 114,491 |
Real estate – construction, residential |  |  | 51,807 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 51,807 |
Real estate – commercial |  |  | 842,982 |  |  |  | 625 |  |  |  | — |  |  |  | — |  |  |  | 4,235 |  |  |  | 847,842 |
Real estate – residential |  |  | 680,406 |  |  |  | 3,874 |  |  |  | 476 |  |  |  | — |  |  |  | 7,497 |  |  |  | 692,253 |
Real estate – farmland |  |  | 5,520 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,520 |
Consumer |  |  | 41,295 |  |  |  | 1,296 |  |  |  | 300 |  |  |  | 227 |  |  |  | 820 |  |  |  | 43,938 |
Deferred costs, net of loan fees |  |  | 1,042 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,042 |
Total |  | $ | 2,077,183 |  |  | $ | 7,130 |  |  | $ | 2,041 |  |  | $ | 2,486 |  |  | $ | 22,957 |  |  | $ | 2,111,797 |
Summary of Investment of PCI loans | The following tables present the recorded investment of nonaccrual loans held for investment with and without an ACL by loan category as of the dates stated.
|  | March 31, 2025 |
(Dollars in thousands) |  | Nonaccrual Loans with No ACL |  |  | Nonaccrual Loans with an ACL |  |  | Total Nonaccrual Loans |
Commercial and industrial |  | $ | — |  |  | $ | 9,751 |  |  | $ | 9,751 |
Real estate – construction, commercial |  |  | — |  |  |  | 218 |  |  |  | 218 |
Real estate – commercial |  |  | — |  |  |  | 4,174 |  |  |  | 4,174 |
Real estate – residential |  |  | 1,052 |  |  |  | 6,368 |  |  |  | 7,420 |
Consumer |  |  | — |  |  |  | 710 |  |  |  | 710 |
Total |  | $ | 1,052 |  |  | $ | 21,221 |  |  | $ | 22,273 |
|  | December 31, 2024 |
(Dollars in thousands) |  | Nonaccrual Loans with No ACL |  |  | Nonaccrual Loans with an ACL |  |  | Total Nonaccrual Loans |
Commercial and industrial |  | $ | 778 |  |  | $ | 9,407 |  |  | $ | 10,185 |
Real estate – construction, commercial |  |  | — |  |  |  | 220 |  |  |  | 220 |
Real estate – commercial |  |  | — |  |  |  | 4,235 |  |  |  | 4,235 |
Real estate – residential |  |  | 1,669 |  |  |  | 5,828 |  |  |  | 7,497 |
Consumer |  |  | — |  |  |  | 820 |  |  |  | 820 |
Total |  | $ | 2,447 |  |  | $ | 20,510 |  |  | $ | 22,957 |
Summary of Accrued Interest Receivable by Loan Type Reversed from Income | The following table presents accrued interest receivable by loan type reversed from interest income associated with loans held for investment that were placed on nonaccrual status for the periods stated.
|  | For the three months ended March 31, |
(Dollars in thousands) |  | 2025 |  |  | 2024 |
Commercial and industrial |  | $ | 70 |  |  | $ | 57 |
Real estate – construction, commercial |  |  | — |  |  |  | 25 |
Real estate – commercial |  |  | 4 |  |  |  | 51 |
Real estate – residential |  |  | 36 |  |  |  | 10 |
Consumer |  |  | 7 |  |  |  | 5 |
Total |  | $ | 117 |  |  | $ | 148 |
Summary of Recorded Investment of Loans Held for Investment by Internal Loan Grade by Year of Orgination | The following table presents the recorded investment of loans held for investment by internal loan risk grade by year of origination as of March 31, 2025. There were no loans classified as loss (risk grade 9) as of the same date. Also presented are current period gross charge-offs by loan type for the three months ended March 31, 2025.
|  | Term Loans Recorded Investment Basis by Origination Year |  |  |  |  |  |  |
(Dollars in thousands) |  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  | $ | 5,226 |  |  | $ | 10,508 |  |  | $ | 13,830 |  |  | $ | 52,822 |  |  | $ | 12,525 |  |  | $ | 28,927 |  |  | $ | 103,283 |  |  | $ | 227,121 |
Risk Grades 5 - 6 |  |  | — |  |  |  | 397 |  |  |  | 23,880 |  |  |  | 38,796 |  |  |  | 6,939 |  |  |  | 6,209 |  |  |  | 11,460 |  |  |  | 87,681 |
Risk Grade 7 |  |  | — |  |  |  | 861 |  |  |  | 342 |  |  |  | 5,421 |  |  |  | 13,053 |  |  |  | 1,811 |  |  |  | 1,804 |  |  |  | 23,292 |
Risk Grade 8 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,005 |  |  |  | — |  |  |  | — |  |  |  | 2,005 |
Total |  |  | 5,226 |  |  |  | 11,766 |  |  |  | 38,052 |  |  |  | 97,039 |  |  |  | 34,522 |  |  |  | 36,947 |  |  |  | 116,547 |  |  |  | 340,099 |
Current period gross charge-offs |  |  | — |  |  |  | 23 |  |  |  | 30 |  |  |  | 1,937 |  |  |  | — |  |  |  | 83 |  |  |  | 50 |  |  |  | 2,123 |
Real estate – construction, commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  |  | 180 |  |  |  | 6,341 |  |  |  | 3,694 |  |  |  | 46,453 |  |  |  | 6,593 |  |  |  | 9,641 |  |  |  | 399 |  |  |  | 73,301 |
Risk Grades 5 - 6 |  |  | — |  |  |  | — |  |  |  | 1,086 |  |  |  | 18,000 |  |  |  | 714 |  |  |  | 9,584 |  |  |  | — |  |  |  | 29,384 |
Risk Grade 7 |  |  | — |  |  |  | — |  |  |  | 115 |  |  |  | — |  |  |  | 19 |  |  |  | 187 |  |  |  | — |  |  |  | 321 |
Total |  |  | 180 |  |  |  | 6,341 |  |  |  | 4,895 |  |  |  | 64,453 |  |  |  | 7,326 |  |  |  | 19,412 |  |  |  | 399 |  |  |  | 103,006 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – construction, residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  |  | 4,919 |  |  |  | 17,829 |  |  |  | 7,558 |  |  |  | 3,352 |  |  |  | — |  |  |  | 55 |  |  |  | 739 |  |  |  | 34,452 |
Risk Grades 5 - 6 |  |  | 86 |  |  |  | — |  |  |  | 215 |  |  |  | — |  |  |  | 18,278 |  |  |  | — |  |  |  | — |  |  |  | 18,579 |
Risk Grade 7 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 467 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 467 |
Total |  |  | 5,005 |  |  |  | 17,829 |  |  |  | 7,773 |  |  |  | 3,819 |  |  |  | 18,278 |  |  |  | 55 |  |  |  | 739 |  |  |  | 53,498 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  |  | 5,924 |  |  |  | 4,663 |  |  |  | 37,221 |  |  |  | 217,275 |  |  |  | 114,002 |  |  |  | 259,122 |  |  |  | 19,007 |  |  |  | 657,214 |
Risk Grades 5 - 6 |  |  | — |  |  |  | 532 |  |  |  | 3,393 |  |  |  | 87,068 |  |  |  | 10,375 |  |  |  | 47,782 |  |  |  | 4,383 |  |  |  | 153,533 |
Risk Grade 7 |  |  | — |  |  |  | 1,560 |  |  |  | — |  |  |  | 10,192 |  |  |  | 8,190 |  |  |  | 2,170 |  |  |  | 25 |  |  |  | 22,137 |
Risk Grade 8 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,339 |  |  |  | — |  |  |  | — |  |  |  | 1,339 |
Total |  |  | 5,924 |  |  |  | 6,755 |  |  |  | 40,614 |  |  |  | 314,535 |  |  |  | 133,906 |  |  |  | 309,074 |  |  |  | 23,415 |  |  |  | 834,223 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 63 |  |  |  | — |  |  |  | 63 |
Real estate – residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  |  | 1,016 |  |  |  | 2,199 |  |  |  | 65,597 |  |  |  | 225,464 |  |  |  | 112,936 |  |  |  | 198,552 |  |  |  | 56,971 |  |  |  | 662,735 |
Risk Grades 5 - 6 |  |  | — |  |  |  | 909 |  |  |  | — |  |  |  | 998 |  |  |  | 2,182 |  |  |  | 4,692 |  |  |  | 98 |  |  |  | 8,879 |
Risk Grade 7 |  |  | 141 |  |  |  | — |  |  |  | 1,104 |  |  |  | 2,165 |  |  |  | 1,723 |  |  |  | 6,702 |  |  |  | 497 |  |  |  | 12,332 |
Total |  |  | 1,157 |  |  |  | 3,108 |  |  |  | 66,701 |  |  |  | 228,627 |  |  |  | 116,841 |  |  |  | 209,946 |  |  |  | 57,566 |  |  |  | 683,946 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 16 |  |  |  | — |  |  |  | 16 |
Real estate – farmland |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  |  | — |  |  |  | 146 |  |  |  | — |  |  |  | 995 |  |  |  | 1,225 |  |  |  | 2,005 |  |  |  | 148 |  |  |  | 4,519 |
Risk Grades 5 - 6 |  |  | — |  |  |  | — |  |  |  | 132 |  |  |  | — |  |  |  | 97 |  |  |  | — |  |  |  | — |  |  |  | 229 |
Total |  |  | — |  |  |  | 146 |  |  |  | 132 |  |  |  | 995 |  |  |  | 1,322 |  |  |  | 2,005 |  |  |  | 148 |  |  |  | 4,748 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  |  | 965 |  |  |  | 5,063 |  |  |  | 15,346 |  |  |  | 7,683 |  |  |  | 1,314 |  |  |  | 1,102 |  |  |  | 6,680 |  |  |  | 38,153 |
Risk Grades 5 - 6 |  |  | — |  |  |  | 101 |  |  |  | 173 |  |  |  | 294 |  |  |  | 76 |  |  |  | 29 |  |  |  | — |  |  |  | 673 |
Risk Grade 7 |  |  | — |  |  |  | 56 |  |  |  | 256 |  |  |  | 361 |  |  |  | 180 |  |  |  | 75 |  |  |  | — |  |  |  | 928 |
Risk Grade 8 |  |  | — |  |  |  | — |  |  |  | 7 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7 |
Total |  |  | 965 |  |  |  | 5,220 |  |  |  | 15,782 |  |  |  | 8,338 |  |  |  | 1,570 |  |  |  | 1,206 |  |  |  | 6,680 |  |  |  | 39,761 |
Current period gross charge-offs |  |  | — |  |  |  | 302 |  |  |  | 55 |  |  |  | 220 |  |  |  | 6 |  |  |  | 4 |  |  |  | — |  |  |  | 587 |
Total Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  | $ | 18,230 |  |  | $ | 46,749 |  |  | $ | 143,246 |  |  | $ | 554,044 |  |  | $ | 248,595 |  |  | $ | 499,404 |  |  | $ | 187,227 |  |  | $ | 1,697,495 |
Risk Grades 5 - 6 |  |  | 86 |  |  |  | 1,939 |  |  |  | 28,879 |  |  |  | 145,156 |  |  |  | 38,661 |  |  |  | 68,296 |  |  |  | 15,941 |  |  |  | 298,958 |
Risk Grade 7 |  |  | 141 |  |  |  | 2,477 |  |  |  | 1,817 |  |  |  | 18,606 |  |  |  | 23,165 |  |  |  | 10,945 |  |  |  | 2,326 |  |  |  | 59,477 |
Risk Grade 8 |  |  | — |  |  |  | — |  |  |  | 7 |  |  |  | — |  |  |  | 3,344 |  |  |  | — |  |  |  | — |  |  |  | 3,351 |
Total |  | $ | 18,457 |  |  | $ | 51,165 |  |  | $ | 173,949 |  |  | $ | 717,806 |  |  | $ | 313,765 |  |  | $ | 578,645 |  |  | $ | 205,494 |  |  | $ | 2,059,281 |
Total current period gross charge-offs |  | $ | — |  |  | $ | 325 |  |  | $ | 85 |  |  | $ | 2,157 |  |  | $ | 6 |  |  | $ | 166 |  |  | $ | 50 |  |  | $ | 2,789 |
The following table presents the recorded investment of loans held for investment by internal loan risk grade by year of origination as of December 31, 2024. There were no loans classified as loss (risk grade 9) as of the same date.
|  | Term Loans Recorded Investment Basis by Origination Year |  |  |  |  |  |  |
(Dollars in thousands) |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  | $ | 13,883 |  |  | $ | 13,559 |  |  | $ | 64,530 |  |  | $ | 14,600 |  |  | $ | 17,405 |  |  | $ | 15,760 |  |  | $ | 98,867 |  |  | $ | 238,604 |
Risk Grades 5 - 6 |  |  | 672 |  |  |  | 24,430 |  |  |  | 37,503 |  |  |  | 10,201 |  |  |  | 5,183 |  |  |  | 979 |  |  |  | 15,092 |  |  |  | 94,060 |
Risk Grade 7 |  |  | 944 |  |  |  | 2,248 |  |  |  | 5,173 |  |  |  | 10,462 |  |  |  | 562 |  |  |  | 1,247 |  |  |  | 1,521 |  |  |  | 22,157 |
Risk Grade 8 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 82 |  |  |  | — |  |  |  | 1 |  |  |  | — |  |  |  | 83 |
Total |  |  | 15,499 |  |  |  | 40,237 |  |  |  | 107,206 |  |  |  | 35,345 |  |  |  | 23,150 |  |  |  | 17,987 |  |  |  | 115,480 |  |  |  | 354,904 |
Real estate – construction, commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  |  | 6,219 |  |  |  | 6,277 |  |  |  | 65,560 |  |  |  | 7,776 |  |  |  | 5,405 |  |  |  | 4,792 |  |  |  | 399 |  |  |  | 96,428 |
Risk Grades 5 - 6 |  |  | — |  |  |  | 1,090 |  |  |  | — |  |  |  | 7,567 |  |  |  | 4,770 |  |  |  | 4,235 |  |  |  | — |  |  |  | 17,662 |
Risk Grade 7 |  |  | — |  |  |  | 116 |  |  |  | — |  |  |  | 24 |  |  |  | — |  |  |  | 261 |  |  |  | — |  |  |  | 401 |
Total |  |  | 6,219 |  |  |  | 7,483 |  |  |  | 65,560 |  |  |  | 15,367 |  |  |  | 10,175 |  |  |  | 9,288 |  |  |  | 399 |  |  |  | 114,491 |
Real estate – construction, residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  |  | 19,574 |  |  |  | 8,861 |  |  |  | 7,837 |  |  |  | 13,971 |  |  |  | — |  |  |  | 57 |  |  |  | 990 |  |  |  | 51,290 |
Risk Grades 5 - 6 |  |  | 193 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 193 |
Risk Grade 7 |  |  | — |  |  |  | 169 |  |  |  | 155 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 324 |
Total |  |  | 19,767 |  |  |  | 9,030 |  |  |  | 7,992 |  |  |  | 13,971 |  |  |  | — |  |  |  | 57 |  |  |  | 990 |  |  |  | 51,807 |
Real estate – commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  |  | 4,747 |  |  |  | 34,698 |  |  |  | 245,563 |  |  |  | 118,435 |  |  |  | 142,211 |  |  |  | 133,856 |  |  |  | 21,323 |  |  |  | 700,833 |
Risk Grades 5 - 6 |  |  | 535 |  |  |  | 5,092 |  |  |  | 64,677 |  |  |  | 7,002 |  |  |  | 14,604 |  |  |  | 23,104 |  |  |  | 4,184 |  |  |  | 119,198 |
Risk Grade 7 |  |  | 1,565 |  |  |  | — |  |  |  | 9,970 |  |  |  | 10,380 |  |  |  | 2,945 |  |  |  | 1,355 |  |  |  | 25 |  |  |  | 26,240 |
Risk Grade 8 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,379 |  |  |  | — |  |  |  | 192 |  |  |  | — |  |  |  | 1,571 |
Total |  |  | 6,847 |  |  |  | 39,790 |  |  |  | 320,210 |  |  |  | 137,196 |  |  |  | 159,760 |  |  |  | 158,507 |  |  |  | 25,532 |  |  |  | 847,842 |
Real estate – residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  |  | 2,815 |  |  |  | 66,780 |  |  |  | 225,159 |  |  |  | 114,682 |  |  |  | 64,548 |  |  |  | 143,002 |  |  |  | 53,498 |  |  |  | 670,484 |
Risk Grades 5 - 6 |  |  | 853 |  |  |  | — |  |  |  | 2,303 |  |  |  | 1,295 |  |  |  | 318 |  |  |  | 2,378 |  |  |  | 95 |  |  |  | 7,242 |
Risk Grade 7 |  |  | — |  |  |  | 736 |  |  |  | 2,153 |  |  |  | 2,113 |  |  |  | 1,454 |  |  |  | 5,822 |  |  |  | 2,249 |  |  |  | 14,527 |
Total |  |  | 3,668 |  |  |  | 67,516 |  |  |  | 229,615 |  |  |  | 118,090 |  |  |  | 66,320 |  |  |  | 151,202 |  |  |  | 55,842 |  |  |  | 692,253 |
Real estate – farmland |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  |  | 147 |  |  |  | — |  |  |  | 997 |  |  |  | 1,239 |  |  |  | — |  |  |  | 2,753 |  |  |  | 149 |  |  |  | 5,285 |
Risk Grades 5 - 6 |  |  | — |  |  |  | 135 |  |  |  | — |  |  |  | 100 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 235 |
Total |  |  | 147 |  |  |  | 135 |  |  |  | 997 |  |  |  | 1,339 |  |  |  | — |  |  |  | 2,753 |  |  |  | 149 |  |  |  | 5,520 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  |  | 5,944 |  |  |  | 17,211 |  |  |  | 8,716 |  |  |  | 1,650 |  |  |  | 1,034 |  |  |  | 486 |  |  |  | 7,283 |  |  |  | 42,324 |
Risk Grades 5 - 6 |  |  | 74 |  |  |  | 133 |  |  |  | 225 |  |  |  | 99 |  |  |  | 32 |  |  |  | 3 |  |  |  | — |  |  |  | 566 |
Risk Grade 7 |  |  | 87 |  |  |  | 330 |  |  |  | 332 |  |  |  | 184 |  |  |  | 63 |  |  |  | 24 |  |  |  | 28 |  |  |  | 1,048 |
Total |  |  | 6,105 |  |  |  | 17,674 |  |  |  | 9,273 |  |  |  | 1,933 |  |  |  | 1,129 |  |  |  | 513 |  |  |  | 7,311 |  |  |  | 43,938 |
Total Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Grades 1 - 4 |  | $ | 53,329 |  |  | $ | 147,386 |  |  | $ | 618,362 |  |  | $ | 272,353 |  |  | $ | 230,603 |  |  | $ | 300,706 |  |  | $ | 182,509 |  |  | $ | 1,805,248 |
Risk Grades 5 - 6 |  |  | 2,327 |  |  |  | 30,880 |  |  |  | 104,708 |  |  |  | 26,264 |  |  |  | 24,907 |  |  |  | 30,699 |  |  |  | 19,371 |  |  |  | 239,156 |
Risk Grade 7 |  |  | 2,596 |  |  |  | 3,599 |  |  |  | 17,783 |  |  |  | 23,163 |  |  |  | 5,024 |  |  |  | 8,709 |  |  |  | 3,823 |  |  |  | 64,697 |
Risk Grade 8 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,461 |  |  |  | — |  |  |  | 193 |  |  |  | — |  |  |  | 1,654 |
Total |  | $ | 58,252 |  |  | $ | 181,865 |  |  | $ | 740,853 |  |  | $ | 323,241 |  |  | $ | 260,534 |  |  | $ | 340,307 |  |  | $ | 205,703 |  |  | $ | 2,110,755 |
Summary of Change in the ACL by Loan Segment | The following tables present an analysis of the change in the ACL by loan segment for the periods stated.
|  | For the three months ended March 31, 2025 |
(Dollars in thousands) |  | Commercial and industrial |  |  | Real estate – construction, commercial |  |  | Real estate – construction, residential |  |  | Real estate – commercial |  |  | Real estate – residential |  |  | Real estate – farmland |  |  | Consumer |  |  | Total |
ACL, beginning of period |  | $ | 5,767 |  |  | $ | 2,057 |  |  | $ | 540 |  |  | $ | 5,963 |  |  | $ | 7,933 |  |  | $ | 18 |  |  | $ | 745 |  |  | $ | 23,023 |
(Recovery of) provision for credit losses - loans |  |  | (189 | ) |  |  | (65 | ) |  |  | 12 |  |  |  | (240 | ) |  |  | 253 |  |  |  | — |  |  |  | 229 |  |  |  | — |
Charge-offs |  |  | (2,123 | ) |  |  | — |  |  |  | — |  |  |  | (63 | ) |  |  | (16 | ) |  |  | — |  |  |  | (587 | ) |  |  | (2,789 | )
Recoveries |  |  | 2,271 |  |  |  | — |  |  |  | — |  |  |  | 338 |  |  |  | 1 |  |  |  | — |  |  |  | 282 |  |  |  | 2,892 |
Net recoveries (charge-offs) |  |  | 148 |  |  |  | — |  |  |  | — |  |  |  | 275 |  |  |  | (15 | ) |  |  | — |  |  |  | (305 | ) |  |  | 103 |
ACL, end of period |  | $ | 5,726 |  |  | $ | 1,992 |  |  | $ | 552 |  |  | $ | 5,998 |  |  | $ | 8,171 |  |  | $ | 18 |  |  | $ | 669 |  |  | $ | 23,126 |
|  | For the three months ended March 31, 2024 |
(Dollars in thousands) |  | Commercial and industrial |  |  | Real estate – construction, commercial |  |  | Real estate – construction, residential |  |  | Real estate – commercial |  |  | Real estate – residential |  |  | Real estate – farmland |  |  | Consumer |  |  | Total |
ACL, beginning of period |  | $ | 13,787 |  |  | $ | 4,024 |  |  | $ | 1,094 |  |  | $ | 9,929 |  |  | $ | 6,286 |  |  | $ | 15 |  |  | $ | 758 |  |  | $ | 35,893 |
Provision for (recovery of) credit losses - loans |  |  | 257 |  |  |  | (428 | ) |  |  | (175 | ) |  |  | (97 | ) |  |  | 39 |  |  |  | 3 |  |  |  | 401 |  |  |  | — |
Charge-offs |  |  | (1,957 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (745 | ) |  |  | (2,702 | )
Recoveries |  |  | 1,532 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 13 |  |  |  | — |  |  |  | 289 |  |  |  | 1,834 |
Net (charge-offs) recoveries |  |  | (425 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 13 |  |  |  | — |  |  |  | (456 | ) |  |  | (868 | )
ACL, end of period |  | $ | 13,619 |  |  | $ | 3,596 |  |  | $ | 919 |  |  | $ | 9,832 |  |  | $ | 6,338 |  |  | $ | 18 |  |  | $ | 703 |  |  | $ | 35,025 |
Summary of Amortized Cost of Collateral-Dependent Loans, Individually Evaluated for Credit Losses | The following table presents the amortized cost of collateral-dependent loans that are individually evaluated for credit losses as of the dates stated.
(Dollars in thousands) |  | March 31, 2025 |  |  | December 31, 2024 |
Commercial and industrial |  | $ | 22,560 |  |  | $ | 42,723 |
Real estate – construction, commercial |  |  | 115 |  |  |  | 116 |
Real estate – commercial |  |  | 25,250 |  |  |  | 26,994 |
Real estate – residential |  |  | 6,301 |  |  |  | 9,586 |
Total collateral-dependent loans |  | $ | 54,226 |  |  | $ | 79,419 |
Summary of Amortized Cost of TLMs | The following table presents the amortized cost of TLMs, categorized by loan type and type of concession granted, for the periods stated.
|  | For the three months ended March 31, |
|  | 2025 |  |  | 2024 |
(Dollars in thousands) |  | Number of Loans |  |  | Recorded Investment |  |  | % of Recorded Investment to Gross Loans by Category |  |  | Number of Loans |  |  | Recorded Investment |  |  | % of Recorded Investment to Gross Loans by Category |
Combined - term extension and deferral |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1 |  |  | $ | 2,024 |  |  |  | 0.60 | % |  |  | — |  |  | $ | — |  |  |  | 0.00 | %
Total combined - term extension and deferral |  |  | 1 |  |  | $ | 2,024 |  |  |  |  |  |  | — |  |  | $ | — |  |  |  |
Interest forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate – residential |  |  | 1 |  |  | $ | 141 |  |  |  | 0.02 | % |  |  | — |  |  | $ | — |  |  |  | 0.00 | %
Total interest forgiveness |  |  | 1 |  |  | $ | 141 |  |  |  |  |  |  | — |  |  | $ | — |  |  |  |
Total |  |  | 2 |  |  | $ | 2,165 |  |  |  |  |  |  | — |  |  | $ | — |  |  |  |
The following table presents the amortized cost of TLMs that were modified in the preceding twelve months and had a payment default during the periods stated.
|  | For the three months ended March 31, |
|  | 2025 |  |  | 2024 |
(Dollars in thousands) |  | Number of Loans |  |  | Amortized Cost |  |  | % of Amortized Cost to Gross Loans by Category |  |  | Number of Loans |  |  | Amortized Cost |  |  | % of Amortized Cost to Gross Loans by Category |
Combined - term extension and deferral |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | — |  |  | $ | — |  |  |  | 0.00 | % |  | 1 |  |  | $ | 2,548 |  |  |  | 0.52 | %
Total combined - term extension and deferral |  |  | — |  |  | $ | — |  |  |  |  |  | 1 |  |  | $ | 2,548 |  |  |  |
Interest forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate – residential |  | 1 |  |  | $ | 141 |  |  |  | 0.02 | % |  |  | — |  |  | $ | — |  |  |  | 0.00 | %
Total interest forgiveness |  | 1 |  |  | $ | 141 |  |  |  |  |  |  | — |  |  | $ | — |  |  |  |
Payment deferral 6-9 months |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate – residential |  | 1 |  |  | $ | 493 |  |  |  | 0.07 | % |  | 1 |  |  | $ | 565 |  |  |  | 0.08 | %
Consumer |  | 1 |  |  |  | 9 |  |  |  | 0.02 | % |  |  | — |  |  |  | — |  |  |  | 0.00 | %
Total payment deferral |  | 2 |  |  | $ | 502 |  |  |  |  |  | 1 |  |  | $ | 565 |  |  |  |
Total |  | 3 |  |  | $ | 643 |  |  |  |  |  | 2 |  |  | $ | 3,113 |  |  |  |
Summary of Aging Analysis of Amortized Cost of TLMs | The following tables present an aging analysis of the amortized cost of TLMs as of the dates stated.
|  | March 31, 2025 |
(Dollars in thousands) |  | Current Loans |  |  | 30-89 Days Past Due |  |  | Greater than 90 Days Past Due & Accruing |  |  | Nonaccrual |  |  | Total |
Commercial and industrial |  | $ | 734 |  |  | $ | — |  |  | $ | — |  |  | $ | 4,513 |  |  | $ | 5,247 |
Real estate – construction, residential |  |  | 154 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 154 |
Real estate – commercial |  |  | 1,764 |  |  |  | — |  |  |  | — |  |  |  | 2,997 |  |  |  | 4,761 |
Real estate – residential |  |  | 192 |  |  |  | 141 |  |  |  | — |  |  |  | 493 |  |  |  | 826 |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 9 |  |  |  | 9 |
Total modified loans |  | $ | 2,844 |  |  | $ | 141 |  |  | $ | — |  |  | $ | 8,012 |  |  | $ | 10,997 |
|  | December 31, 2024 |
(Dollars in thousands) |  | Current Loans |  |  | 30-89 Days Past Due |  |  | Greater than 90 Days Past Due & Accruing |  |  | Nonaccrual |  |  | Total |
Commercial and industrial |  | $ | 554 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,745 |  |  | $ | 3,299 |
Real estate – construction, residential |  |  | 155 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 155 |
Real estate – commercial |  |  | 1,773 |  |  |  | — |  |  |  | — |  |  |  | 2,999 |  |  |  | 4,772 |
Real estate – residential |  |  | 194 |  |  |  | — |  |  |  | — |  |  |  | 500 |  |  |  | 694 |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 10 |  |  |  | 10 |
Total modified loans |  | $ | 2,676 |  |  | $ | — |  |  | $ | — |  |  | $ | 6,254 |  |  | $ | 8,930 |

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