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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES |
Summary of loans outstanding | Summary of Loans by Type (In Thousands)
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31, |  | December 31,
​ |  | 2023 | ​ | 2022
Commercial real estate - non-owner occupied | ​ | $ | 737,342 | ​ | $ | 675,597
Commercial real estate - owner occupied | ​ | ​ | 237,246 | ​ | ​ | 205,910
All other commercial loans | ​ | ​ | 399,693 | ​ | ​ | 410,077
Residential mortgage loans | ​ | ​ | 413,714 | ​ | ​ | 393,582
Consumer loans | ​ | ​ | 60,144 | ​ | ​ | 54,874
Total | ​ | ​ | 1,848,139 | ​ | ​ | 1,740,040
Less: allowance for credit losses on loans | ​ | ​ | (19,208) | ​ | ​ | (16,615)
Loans, net | ​ | $ | 1,828,931 | ​ | $ | 1,723,425
Schedule of adjustments to the initial market rate and credit fair value adjustments recognized | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
(In Thousands) | ​ | Year Ended
​ | ​ | December 31, | ​ | December 31,
​ | ​ | 2023 | ​ | 2022
Market Rate Adjustment |  | ​ |  |  | ​ |
Adjustments to gross amortized cost of loans at beginning of period | ​ | $ | (916) | ​ | $ | (637)
Amortization recognized in interest income | ​ | ​ | (54) | ​ | ​ | (279)
Adjustments to gross amortized cost of loans at end of period | ​ | $ | (970) | ​ | $ | (916)
Credit Adjustment on Non-impaired Loans | ​ | ​ | ​ | ​ | ​ | ​
Adjustments to gross amortized cost of loans at beginning of period | ​ | $ | (1,840) | ​ | $ | (3,335)
Accretion recognized in interest income | ​ |  | 677 | ​ |  | 1,495
Adjustments to gross amortized cost of loans at end of period | ​ | $ | (1,163) | ​ | $ | (1,840)
Summary of the past due loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(In Thousands) | ​ | As of December 31, 2023
​ | ​ | Past Due | ​ | Past Due | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 30-89 | ​ | 90+ | ​ | Nonaccrual | ​ | Current | ​ | Total
​ | ​ | Days | ​ | Days | ​ | Loans | ​ | Loans | ​ | Loans
Commercial real estate - non-owner occupied | ​ | $ | 2,215 | ​ | $ | 126 | ​ | $ | 8,412 | ​ | $ | 726,589 | ​ | $ | 737,342
Commercial real estate - owner occupied | ​ |  | 849 | ​ |  | 0 | ​ |  | 1,575 | ​ |  | 234,822 | ​ |  | 237,246
All other commercial loans | ​ | ​ | 229 | ​ | ​ | 2,593 | ​ | ​ | 1,323 | ​ | ​ | 395,548 | ​ | ​ | 399,693
Residential mortgage loans | ​ | ​ | 5,365 | ​ | ​ | 326 | ​ | ​ | 3,627 | ​ | ​ | 404,396 | ​ | ​ | 413,714
Consumer loans | ​ |  | 617 | ​ |  | 145 | ​ |  | 240 | ​ |  | 59,142 | ​ |  | 60,144
Total | ​ | $ | 9,275 | ​ | $ | 3,190 | ​ | $ | 15,177 | ​ | $ | 1,820,497 | ​ | $ | 1,848,139
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(In Thousands) | ​ | As of December 31, 2022
​ | ​ | Past Due | ​ | Past Due | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 30-89 | ​ | 90+ | ​ | Nonaccrual | ​ | Current | ​ | Total
​ | ​ | Days | ​ | Days | ​ | Loans | ​ | Loans | ​ | Loans
Commercial real estate - non-owner occupied | ​ | $ | 644 | ​ | $ | 947 | ​ | $ | 6,350 | ​ | $ | 667,656 | ​ | $ | 675,597
Commercial real estate - owner occupied | ​ |  | 723 | ​ |  | 141 | ​ |  | 19 | ​ |  | 204,099 | ​ |  | 204,982
All other commercial loans | ​ | ​ | 537 | ​ | ​ | 151 | ​ | ​ | 11,528 | ​ | ​ | 397,762 | ​ | ​ | 409,978
Residential mortgage loans | ​ | ​ | 4,540 | ​ | ​ | 866 | ​ | ​ | 3,974 | ​ | ​ | 384,202 | ​ | ​ | 393,582
Consumer loans | ​ | ​ | 635 | ​ | ​ | 132 | ​ | ​ | 187 | ​ | ​ | 53,920 | ​ | ​ | 54,874
Purchased credit impaired | ​ |  | 0 | ​ |  | 0 | ​ |  | 1,027 | ​ |  | 0 | ​ |  | 1,027
Total | ​ | $ | 7,079 | ​ | $ | 2,237 | ​ | $ | 23,085 | ​ | $ | 1,707,639 | ​ | $ | 1,740,040
Schedule of aggregate credit quality classification of outstanding loans by risk | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(In Thousands) | ​ | Term Loans by Year of Origination | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2023 | ​ | 2022 | ​ | 2021 | ​ | 2020 | ​ | 2019 | ​ | Prior | ​ | Revolving | ​ | Total
Commercial real estate - non-owner occupied | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Pass | ​ | $ | 96,615 | ​ | $ | 167,484 | ​ | $ | 89,582 | ​ | $ | 55,390 | ​ | $ | 80,020 | ​ | $ | 207,017 | ​ | $ | 0 | ​ | $ | 696,108
Special Mention | ​ |  | 0 | ​ |  | 20,072 | ​ |  | 2,446 | ​ |  | 0 | ​ |  | 116 | ​ |  | 6,188 | ​ |  | 0 | ​ |  | 28,822
Substandard | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 18 | ​ | ​ | 566 | ​ | ​ | 11,828 | ​ | ​ | 0 | ​ | ​ | 12,412
Doubtful | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0
Total commercial real estate - non-owner occupied | ​ | $ | 96,615 | ​ | $ | 187,556 | ​ | $ | 92,028 | ​ | $ | 55,408 | ​ | $ | 80,702 | ​ | $ | 225,033 | ​ | $ | 0 | ​ | $ | 737,342
​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Year-to-date gross charge-offs | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0
​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Commercial real estate - owner occupied | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Pass | ​ | $ | 33,761 | ​ | $ | 37,429 | ​ | $ | 52,090 | ​ | $ | 12,858 | ​ | $ | 17,505 | ​ | $ | 71,775 | ​ | $ | 0 | ​ | $ | 225,418
Special Mention | ​ | ​ | 104 | ​ |  | 746 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 166 | ​ |  | 0 | ​ |  | 1,016
Substandard | ​ | ​ | 5,200 | ​ | ​ | 0 | ​ | ​ | 2,567 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 3,045 | ​ | ​ | 0 | ​ | ​ | 10,812
Doubtful |  | ​ | 0 |  | ​ | 0 |  | ​ | 0 |  | ​ | 0 |  | ​ | 0 |  | ​ | 0 |  | ​ | 0 |  | ​ | 0
Total commercial real estate - owner occupied | ​ | $ | 39,065 | ​ | $ | 38,175 | ​ | $ | 54,657 | ​ | $ | 12,858 | ​ | $ | 17,505 | ​ | $ | 74,986 | ​ | $ | 0 | ​ | $ | 237,246
​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Year-to-date gross charge-offs | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0
​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
All other commercial loans | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Pass | ​ | $ | 58,393 | ​ | $ | 90,560 | ​ | $ | 51,813 | ​ | $ | 27,718 | ​ | $ | 16,421 | ​ | $ | 24,326 | ​ | $ | 107,234 | ​ | $ | 376,465
Special Mention | ​ |  | 0 | ​ |  | 2,690 | ​ |  | 5,043 | ​ |  | 8 | ​ |  | 0 | ​ |  | 794 | ​ |  | 301 | ​ |  | 8,836
Substandard | ​ | ​ | 0 | ​ | ​ | 1,267 | ​ | ​ | 1,250 | ​ | ​ | 453 | ​ | ​ | 679 | ​ | ​ | 1,085 | ​ | ​ | 9,658 | ​ | ​ | 14,392
Doubtful | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0
Total all other commercial loans | ​ | $ | 58,393 | ​ | $ | 94,517 | ​ | $ | 58,106 | ​ | $ | 28,179 | ​ | $ | 17,100 | ​ | $ | 26,205 | ​ | $ | 117,193 | ​ | $ | 399,693
​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Year-to-date gross charge-offs | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 12 | ​ | $ | 12
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential mortgage loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 57,300 | ​ | $ | 87,519 | ​ | $ | 56,183 | ​ | $ | 39,411 | ​ | $ | 32,401 | ​ | $ | 135,546 | ​ | $ | 0 | ​ | $ | 408,360
Special Mention | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0
Substandard | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 285 | ​ | ​ | 369 | ​ | ​ | 4,700 | ​ | ​ | 0 | ​ | ​ | 5,354
Doubtful | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0
Total residential mortgage loans | ​ | $ | 57,300 | ​ | $ | 87,519 | ​ | $ | 56,183 | ​ | $ | 39,696 | ​ | $ | 32,770 | ​ | $ | 140,246 | ​ | $ | 0 | ​ | $ | 413,714
​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Year-to-date gross charge-offs | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 0 | ​ | $ | 33 | ​ | $ | 0 | ​ | $ | 33
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consumer loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 6,020 | ​ | $ | 4,664 | ​ | $ | 1,944 | ​ | $ | 1,205 | ​ | $ | 175 | ​ | $ | 913 | ​ | $ | 44,312 | ​ | $ | 59,233
Special Mention | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0
Substandard | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 5 | ​ | ​ | 11 | ​ | ​ | 1 | ​ | ​ | 58 | ​ | ​ | 836 | ​ | ​ | 911
Doubtful | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0
Total consumer loans | ​ | $ | 6,020 | ​ | $ | 4,664 | ​ | $ | 1,949 | ​ | $ | 1,216 | ​ | $ | 176 | ​ | $ | 971 | ​ | $ | 45,148 | ​ | $ | 60,144
​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Year-to-date gross charge-offs | ​ | $ | 0 | ​ | $ | 149 | ​ | $ | 0 | ​ | $ | 18 | ​ | $ | 3 | ​ | $ | 3 | ​ | $ | 138 | ​ | $ | 311
​ The following table presents the recorded investment in loans by credit quality indicators as of December 31, 2022:
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | Special | ​ | ​ | ​ | ​ | ​ | ​
(In Thousands) | ​ | Pass | ​ | Mention | ​ | Substandard | ​ | Doubtful | ​ | Total
Commercial real estate - non-owner occupied | ​ | $ | 654,430 | ​ | $ | 9,486 | ​ | $ | 11,681 | ​ | $ | 0 | ​ | $ | 675,597
Commercial real estate - owner occupied | ​ |  | 202,702 | ​ |  | 1,909 | ​ |  | 371 | ​ |  | 0 | ​ |  | 204,982
All other commercial loans | ​ | ​ | 383,846 | ​ | ​ | 2,516 | ​ | ​ | 23,616 | ​ | ​ | 0 | ​ | ​ | 409,978
Residential mortgage loans | ​ | ​ | 387,944 | ​ | ​ | 0 | ​ | ​ | 5,638 | ​ | ​ | 0 | ​ | ​ | 393,582
Consumer loans | ​ | ​ | 54,353 | ​ | ​ | 0 | ​ | ​ | 521 | ​ | ​ | 0 | ​ | ​ | 54,874
Purchased credit impaired | ​ |  | 0 | ​ |  | 0 | ​ |  | 1,027 | ​ |  | 0 | ​ |  | 1,027
Total | ​ | $ | 1,683,275 | ​ | $ | 13,911 | ​ | $ | 42,854 | ​ | $ | 0 | ​ | $ | 1,740,040
Schedule of nonaccrual loans by major categories for the periods | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2023 | ​ | December 31, 2022
​ | ​ | Nonaccrual Loans with | ​ | Nonaccrual Loans | ​ | Total Nonaccrual | ​ | ​
(In Thousands) | ​ | No Allowance | ​ | with an Allowance | ​ | Loans | ​ | Nonaccrual Loans
Commercial real estate - non-owner occupied | ​ | $ | 1,111 | ​ | $ | 7,301 | ​ | $ | 8,412 | ​ | $ | 6,350
Commercial real estate - owner occupied | ​ |  | 1,281 | ​ |  | 294 | ​ |  | 1,575 | ​ |  | 19
All other commercial loans | ​ | ​ | 1,132 | ​ | ​ | 191 | ​ | ​ | 1,323 | ​ | ​ | 11,528
Residential mortgage loans | ​ | ​ | 3,627 | ​ | ​ | 0 | ​ | ​ | 3,627 | ​ | ​ | 3,974
Consumer loans | ​ |  | 240 | ​ |  | 0 | ​ |  | 240 | ​ |  | 187
Purchased credit impaired | ​ |  | 0 | ​ |  | 0 | ​ |  | 0 | ​ |  | 1,027
Total | ​ | $ | 7,391 | ​ | $ | 7,786 | ​ | $ | 15,177 | ​ | $ | 23,085
Schedule of accrued Interest receivables written off | ​
​ | ​ | ​ | ​
​ | ​ | Year Ended
(In Thousands) | ​ | December 31, 2023
Commercial real estate - non-owner occupied | ​ | $ | 48
Residential mortgage loans | ​ | ​ | 28
Consumer loans | ​ |  | 3
Total | ​ | $ | 79
Schedule of collateral dependent loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2023
​ | ​ | Amortized | ​ | ​
(In Thousands) | ​ | Cost | ​ | Allowance
Commercial real estate - non-owner occupied | ​ | $ | 8,412 | ​ | $ | 648
Commercial real estate - owner occupied | ​ |  | 1,575 | ​ |  | 5
All other commercial loans | ​ | ​ | 1,277 | ​ | ​ | 90
Total | ​ | $ | 11,264 | ​ | $ | 743
Schedule of transactions within the allowance for loan losses | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | Commercial | ​ | Commercial | ​ | All | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | real estate - | ​ | real estate - | ​ | other | ​ | Residential | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | nonowner | ​ | owner | ​ | commercial | ​ | mortgage | ​ | Consumer | ​ | ​ | ​ | ​ | ​
(In Thousands) | occupied | ​ | occupied | ​ | loans | ​ | loans | ​ | loans | ​ | Unallocated | ​ | Total
Balance, December 31, 2022 | $ | 6,305 | ​ | $ | 1,942 | ​ | $ | 4,142 | ​ | $ | 2,751 | ​ | $ | 475 | ​ | $ | 1,000 | ​ | $ | 16,615
Adoption of ASU 2016-13 (CECL) | ​ | 3,763 | ​ | ​ | 7 | ​ | ​ | (88) | ​ | ​ | (344) | ​ | ​ | (234) | ​ | ​ | (1,000) | ​ | ​ | 2,104
Charge-offs | ​ | 0 | ​ | ​ | 0 | ​ | ​ | (12) | ​ | ​ | (33) | ​ | ​ | (311) | ​ | ​ | 0 | ​ | ​ | (356)
Recoveries | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 44 | ​ | ​ | 11 | ​ | ​ | 37 | ​ | ​ | 0 | ​ | ​ | 92
(Credit) provision for credit losses on loans |  | 1,942 | ​ |  | 167 | ​ |  | (1,168) | ​ |  | (621) | ​ |  | 433 | ​ |  | 0 | ​ |  | 753
Balance, December 31, 2023 | $ | 12,010 | ​ | $ | 2,116 | ​ | $ | 2,918 | ​ | $ | 1,764 | ​ | $ | 400 | ​ | $ | 0 | ​ | $ | 19,208
Summary of loan balances and the related allowance for loan losses | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
December 31, 2022 |  | Loans: | ​ | Allowance for Loan Losses:
(In Thousands) | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Individually | ​ | Collectively | ​ | ​ | ​ | ​ | Individually | ​ | Collectively | ​ |  | ​
​ |  | Evaluated |  | Evaluated |  | Totals |  | Evaluated |  | Evaluated |  | Totals
Commercial: | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Commercial loans secured by real estate | ​ | $ | 7,154 | ​ | $ | 675,095 | ​ | $ | 682,249 | ​ | $ | 427 | ​ | $ | 6,647 | ​ | $ | 7,074
Commercial and industrial | ​ |  | 11,223 | ​ |  | 167,048 | ​ |  | 178,271 | ​ |  | 26 | ​ |  | 2,883 | ​ |  | 2,909
Paycheck Protection Program - 1st Draw | ​ |  | 0 | ​ |  | 5 | ​ |  | 5 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0
Paycheck Protection Program - 2nd Draw | ​ | ​ | 0 | ​ | ​ | 163 | ​ | ​ | 163 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0
Political subdivisions | ​ |  | 0 | ​ |  | 90,719 | ​ |  | 90,719 | ​ |  | 0 | ​ |  | 0 | ​ |  | 0
Commercial construction and land | ​ |  | 244 | ​ |  | 73,719 | ​ |  | 73,963 | ​ |  | 0 | ​ |  | 647 | ​ |  | 647
Loans secured by farmland | ​ |  | 76 | ​ |  | 12,874 | ​ |  | 12,950 | ​ |  | 0 | ​ |  | 112 | ​ |  | 112
Multi-family (5 or more) residential | ​ |  | 0 | ​ |  | 55,886 | ​ |  | 55,886 | ​ |  | 0 | ​ |  | 411 | ​ |  | 411
Agricultural loans | ​ |  | 57 | ​ |  | 2,378 | ​ |  | 2,435 | ​ |  | 0 | ​ |  | 21 | ​ |  | 21
Other commercial loans | ​ |  | 0 | ​ |  | 14,857 | ​ |  | 14,857 | ​ |  | 0 | ​ |  | 124 | ​ |  | 124
Total commercial | ​ |  | 18,754 | ​ |  | 1,092,744 | ​ |  | 1,111,498 | ​ |  | 453 | ​ |  | 10,845 | ​ |  | 11,298
Residential mortgage: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Residential mortgage loans - first liens | ​ | ​ | 506 | ​ | ​ | 509,276 | ​ | ​ | 509,782 | ​ | ​ | 0 | ​ | ​ | 3,413 | ​ | ​ | 3,413
Residential mortgage loans - junior liens | ​ |  | 30 | ​ |  | 24,919 | ​ |  | 24,949 | ​ |  | 0 | ​ |  | 167 | ​ |  | 167
Home equity lines of credit | ​ |  | 68 | ​ |  | 43,730 | ​ |  | 43,798 | ​ |  | 0 | ​ |  | 282 | ​ |  | 282
1-4 Family residential construction | ​ |  | 0 | ​ |  | 30,577 | ​ |  | 30,577 | ​ |  | 0 | ​ |  | 211 | ​ |  | 211
Total residential mortgage | ​ |  | 604 | ​ |  | 608,502 | ​ |  | 609,106 | ​ |  | 0 | ​ |  | 4,073 | ​ |  | 4,073
Consumer | ​ |  | 0 | ​ |  | 19,436 | ​ |  | 19,436 | ​ |  | 0 | ​ |  | 244 | ​ |  | 244
Unallocated | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | 1,000
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total | ​ | $ | 19,358 | ​ | $ | 1,720,682 | ​ | $ | 1,740,040 | ​ | $ | 453 | ​ | $ | 15,162 | ​ | $ | 16,615
Summary of information related to impaired loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(In Thousands) | ​ | December 31, 2022
​ | ​ | Unpaid | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Principal | ​ | Recorded | ​ | Related
​ |  | Balance |  | Investment |  | Allowance
With no related allowance recorded: |  | ​ |  |  | ​ |  |  | ​ |
Commercial loans secured by real estate | ​ | $ | 8,563 | ​ | $ | 3,754 | ​ | $ | 0
Commercial and industrial | ​ |  | 12,926 | ​ |  | 11,163 | ​ |  | 0
Residential mortgage loans - first liens | ​ | ​ | 506 | ​ | ​ | 506 | ​ | ​ | 0
Residential mortgage loans - junior liens | ​ |  | 68 | ​ |  | 30 | ​ |  | 0
Home equity lines of credit | ​ | ​ | 68 | ​ |  | 68 | ​ |  | 0
Loans secured by farmland | ​ |  | 76 | ​ |  | 76 | ​ |  | 0
Agricultural loans | ​ | ​ | 57 | ​ | ​ | 57 | ​ | ​ | 0
Construction and other land loans | ​ | ​ | 244 | ​ | ​ | 244 | ​ | ​ | 0
Multi-family (5 or more) residential | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0
Total with no related allowance recorded | ​ |  | 22,508 | ​ |  | 15,898 | ​ |  | 0
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
With a related allowance recorded: | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Commercial loans secured by real estate | ​ | ​ | 3,400 | ​ | ​ | 3,400 | ​ | ​ | 427
Commercial and industrial | ​ |  | 60 | ​ |  | 60 | ​ |  | 26
Total with a related allowance recorded | ​ |  | 3,460 | ​ |  | 3,460 | ​ |  | 453
Total | ​ | $ | 25,968 | ​ | $ | 19,358 | ​ | $ | 453
Schedule of average balance of impaired loans and interest income recognized on impaired loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(In Thousands) | ​ | ​ | ​ | ​
​ | ​ | Average Investment in | ​ | Interest Income Recognized on
​ | ​ | Impaired Loans | ​ | Impaired Loans on a Cash Basis
​ | ​ | Year Ended December 31, | ​ | Year Ended December 31,
​ | ​ | 2022 | ​ | 2021 | ​ | 2022 |  | 2021
Commercial: | ​ | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ |  | ​
Commercial loans secured by real estate | ​ | $ | 9,757 | ​ | $ | 11,617 | ​ | $ | 657 | ​ | $ | 557
Commercial and industrial | ​ | ​ | 2,078 | ​ | ​ | 2,636 | ​ |  | 210 | ​ |  | 34
Commercial construction and land | ​ | ​ | 72 | ​ | ​ | 48 | ​ |  | 3 | ​ |  | 3
Loans secured by farmland | ​ | ​ | 80 | ​ | ​ | 84 | ​ |  | 0 | ​ |  | 1
Multi-family (5 or more) residential | ​ | ​ | 197 | ​ | ​ | 1,583 | ​ | ​ | 1,156 | ​ | ​ | 133
Agricultural loans | ​ | ​ | 60 | ​ | ​ | 67 | ​ |  | 4 | ​ |  | 4
Other commercial loans | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 0
Total commercial | ​ | ​ | 12,244 | ​ | ​ | 16,035 | ​ |  | 2,030 | ​ |  | 732
Residential mortgage: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ |
Residential mortgage loans - first lien | ​ | ​ | 575 | ​ | ​ | 1,647 | ​ | ​ | 24 | ​ | ​ | 78
Residential mortgage loans - junior lien | ​ | ​ | 33 | ​ | ​ | 361 | ​ |  | 7 | ​ |  | 11
Home equity lines of credit | ​ | ​ | 43 | ​ | ​ | 0 | ​ |  | 4 | ​ |  | 0
Total residential mortgage | ​ | ​ | 651 | ​ | ​ | 2,008 | ​ |  | 35 | ​ |  | 89
Total | ​ | $ | 12,895 | ​ | $ | 18,043 | ​ | $ | 2,065 | ​ | $ | 821
Summary of modified loan | In 2023, there were two loan modifications made to borrowers experiencing financial difficulty at the time of modification, described in the following table: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(Dollars in Thousands) | ​ | Term Extension
​ |  | ​ |  | ​ |  | ​ |
​ | ​ | ​ | ​ | ​ |  | ​ | ​
​ | ​ | Amortized Cost | ​ | % of Total |  | ​ | ​
​ | ​ | Basis | ​ | Loan Type |  | Financial Effect | ​
Commercial Real Estate - Non-owner Occupied: |  |  |  | ​ |  | ​ |  |
Non-owner occupied | $ | 3,907 | ​ | ​ | 0.53 | % | Extended the maturity of one loan for 6 months and another loan for 12 months. | ​
Schedule of carrying amount of foreclosed residential real estate properties | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
(In Thousands) | ​ | December 31, |  | December 31,
​ | ​ | 2023 | ​ | 2022
Foreclosed residential real estate | ​ | $ | 47 | ​ | $ | 256
Schedule of mortgage loans secured by residential real properties | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
(In Thousands) | ​ | December 31, |  | December 31,
​ | ​ | 2023 | ​ | 2022
Residential real estate in process of foreclosure | ​ | $ | 1,227 | ​ | $ | 1,229
Schedule of Off-Balance-Sheet | ​
​ | ​ | ​ | ​
​ | ​ | Year Ended
(In Thousands) | ​ | December 31, 2023
Beginning Balance | ​ | $ | 425
Adjustment to allowance for off-balance sheet exposures for adoption of ASU 2016-13 | ​ | ​ | 793
Recoveries | ​ | ​ | 39
Credit for unfunded commitments | ​ | ​ | (567)
Balance, December 31, 2023 | ​ | $ | 690
​

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