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v3.25.3

ALLOWANCE FOR CREDIT LOSSES FOR LOANS - Roll Forward (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024 | Dec. 31, 2024
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | $ 18,700 | $ 19,000 | $ 17,900 | $ 22,000 | $ 22,000
Charge-offs | (839) | (1,598) | (1,040) | (5,161) |
Recoveries | 6 | 53 | 92 | 168 |
Provision for (reversal of) credit losses | 2,933 | 855 | 3,848 | 1,303 |
Ending balance | 20,800 | 18,310 | 20,800 | 18,310 | 17,900
Reserve for unfunded commitments |  |  |  |  |
Beginning balance | 530 | 200 | 600 | 225 | 225
Provision for (reversal of) credit losses | 40 | 390 | (30) | 365 |
Ending balance | 570 | 590 | 570 | 590 | 600
Commercial and industrial |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 4,467 | 3,987 | 4,681 | 4,216 | 4,216
Charge-offs |  | (1,031) | (193) | (1,387) |
Recoveries | 6 | 53 | 21 | 68 |
Provision for (reversal of) credit losses | (35) | 1,991 | (71) | 2,103 |
Ending balance | 4,438 | 5,000 | 4,438 | 5,000 | 4,681
Construction and land |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 141 | 105 | 72 | 298 | 298
Provision for (reversal of) credit losses | 134 | 13 | 203 | (180) |
Ending balance | 275 | 118 | 275 | 118 | 72
Commercial real estate |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 12,327 | 13,695 | 11,365 | 16,498 | 16,498
Charge-offs | (839) | (566) | (839) | (3,772) |
Recoveries |  |  | 69 |  |
Provision for (reversal of) credit losses | 2,541 | (1,670) | 3,434 | (1,267) |
Ending balance | 14,029 | 11,459 | 14,029 | 11,459 | 11,365
Residential |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 1,761 | 1,205 | 1,780 | 979 | 979
Charge-offs |  |  | (1) |  |
Recoveries |  |  | 1 | 99 |
Provision for (reversal of) credit losses | 291 | 523 | 272 | 650 |
Ending balance | 2,052 | 1,728 | 2,052 | 1,728 | 1,780
Consumer |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning balance | 4 | 8 | 2 | 9 | 9
Charge-offs |  | (1) | (7) | (2) |
Recoveries |  |  | 1 | 1 |
Provision for (reversal of) credit losses | 2 | (2) | 10 | (3) |
Ending balance | $ 6 | $ 5 | $ 6 | $ 5 | $ 2

X
- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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- Definition Amount of expected credit loss for credit exposure on off-balance-sheet commitment, including but not limited to, loan commitment, standby letter of credit, financial guarantee not accounted for as insurance. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-2 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 460 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482454/460-10-45-1 + Details
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