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Allowance For Credit Losses On Loans (Tables) | 9 Months Ended
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Sep. 30, 2025
Allowance For Credit Losses On Loans [Abstract] |
Changes In And Allocation Of Allowance For Loan Losses | Changes in the allowance for credit losses on loans during the periods presented were as follows:
|  | Three Months Ended September 30, |  | Nine Months Ended September 30,
(In thousands) |  | 2025 |  | 2024 |  | 2025 |  | 2024
Balance, beginning of period |  | $ | 19,624 |  | $ | 22,410 |  | $ | 18,679 |  | $ | 19,131
Provision for credit losses on loans |  |  | 1,364 |  |  | – |  |  | 2,255 |  |  | 3,279
Charge-offs |  |  | – |  |  | (95) |  |  | – |  |  | (95)
Recoveries |  |  | 37 |  |  | – |  |  | 91 |  |  | –
Balance, end of period |  | $ | 21,025 |  | $ | 22,315 |  | $ | 21,025 |  | $ | 22,315
Accrued interest receivable related to loans totaled $7.4 million at both September 30, 2025 and December 31, 2024 and was reported in accrued interest receivable and other assets on the consolidated balance sheets. Accrued interest receivable was excluded from the estimate of credit losses. ‎ Allocation of the allowance for credit losses on loans by portfolio segment for the three and nine months ended September 30, 2025 and 2024 are as follows:
|  | For the Three Months Ended September 30,
|  | 2025
(In thousands) |  | Commercial and Industrial |  | Construction |  | Residential Real Estate |  | Commercial Real Estate |  | Consumer |  | Total
Balance, June 30, 2025 |  | $ | 12,058 |  | $ | 2,534 |  | $ | 353 |  | $ | 4,654 |  | $ | 25 |  | $ | 19,624
Provision for credit losses on loans (1) |  |  | 959 |  |  | 270 |  |  | 25 |  |  | 107 |  |  | 3 |  |  | 1,364
Charge-offs |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | –
Recoveries |  |  | 37 |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 37
Balance, September 30, 2025 |  | $ | 13,054 |  | $ | 2,804 |  | $ | 378 |  | $ | 4,761 |  | $ | 28 |  | $ | 21,025
|  | 2024
Balance, June 30, 2024 |  | $ | 12,589 |  | $ | 3,205 |  | $ | 144 |  | $ | 6,465 |  | $ | 7 |  | $ | 22,410
Provision for credit losses on loans (1) |  |  | 364 |  |  | 44 |  |  | 15 |  |  | (425) |  |  | 2 |  |  | –
Charge-offs |  |  | (95) |  |  | – |  |  | – |  |  | – |  |  | – |  |  | (95)
Recoveries |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | –
Balance, September 30, 2024 |  | $ | 12,858 |  | $ | 3,249 |  | $ | 159 |  | $ | 6,040 |  | $ | 9 |  | $ | 22,315
|  | For the Nine Months Ended September 30,
|  | 2025
(In thousands) |  | Commercial and Industrial |  | Construction |  | Residential Real Estate |  | Commercial Real Estate |  | Consumer |  | Total
Balance, December 31, 2024 |  | $ | 10,170 |  | $ | 3,005 |  | $ | 286 |  | $ | 5,207 |  | $ | 11 |  | $ | 18,679
Provision for credit losses on loans (1) |  |  | 2,793 |  |  | (201) |  |  | 92 |  |  | (446) |  |  | 17 |  |  | 2,255
Charge-offs |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | –
Recoveries |  |  | 91 |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 91
Balance, September 30, 2025 |  | $ | 13,054 |  | $ | 2,804 |  | $ | 378 |  | $ | 4,761 |  | $ | 28 |  | $ | 21,025
|  | 2024
Balance, December 31, 2023 |  | $ | 9,794 |  | $ | 3,156 |  | $ | 145 |  | $ | 6,035 |  | $ | 1 |  | $ | 19,131
Provision for credit losses on loans (1) |  |  | 3,159 |  |  | 93 |  |  | 14 |  |  | 5 |  |  | 8 |  |  | 3,279
Charge-offs |  |  | (95) |  |  | – |  |  | – |  |  | – |  |  | – |  |  | (95)
Recoveries |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | –
Balance, September 30, 2024 |  | $ | 12,858 |  | $ | 3,249 |  | $ | 159 |  | $ | 6,040 |  | $ | 9 |  | $ | 22,315
|  |  |  |  |  | 9,794 |  |  | 3,156 |  |  | 145 |  |  | 6,035 |  |  | 1
(1) Excludes provision for unfunded commitments of ($9,000) and $0 for the three months ended September 30, 2025 and 2024, respectively, and $25,000 and $38,000 for the nine months ended September 30, 2025 and 2024, respectively.
Amortized Cost Basis Of Loans On Nonaccrual Status And Loans Past Due | ‎ The following table presents the amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing as of September 30, 2025 and December 31, 2024:
|  | September 30, 2025
(In thousands) |  | Nonaccrual Loans With No Allowance for Credit Losses |  | Nonaccrual Loans With Allowance for Credit Losses |  | Total Nonaccrual Loans |  | Loans Past Due over 89 Days Still Accruing
Commercial and industrial |  | $ | – |  | $ | 2,748 |  | $ | 2,748 |  | $ | –
Construction |  |  | – |  |  | – |  |  | – |  |  | –
Residential Real Estate |  |  | – |  |  | – |  |  | – |  |  | –
Commercial Real Estate |  |  | – |  |  | – |  |  | – |  |  | –
Consumer |  |  | – |  |  | – |  |  | – |  |  | –
Total |  | $ | – |  | $ | 2,748 |  | $ | 2,748 |  | $ | –
|  | December 31, 2024
(In thousands) |  | Nonaccrual Loans With No Allowance for Credit Losses |  | Nonaccrual Loans With Allowance for Credit Losses |  | Total Nonaccrual Loans |  | Loans Past Due over 89 Days Still Accruing
Commercial and industrial |  | $ | 113 |  | $ | 1,234 |  | $ | 1,347 |  | $ | –
Construction |  |  | – |  |  | – |  |  | – |  |  | –
Residential Real Estate |  |  | – |  |  | – |  |  | – |  |  | –
Commercial Real Estate |  |  | – |  |  | – |  |  | – |  |  | –
Consumer |  |  | – |  |  | – |  |  | – |  |  | –
Total |  | $ | 113 |  | $ | 1,234 |  | $ | 1,347 |  | $ | –
Risk Category And Gross Charge-Offs By Vintage Year | The following tables present the risk category and gross charge-offs by vintage year, which is the year of origination or most recent renewal, as of the date indicated. Gross charge-offs are presented for the nine months ended September 30, 2025 and the year ended December 31, 2024 in the tables below:
|  |  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |
(In thousands) |  |  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | Revolving Loans Amortized Cost Basis |  |  | Revolving Loans Converted to Term |  |  | Total
September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 148,993 |  | $ | 73,323 |  | $ | 54,257 |  | $ | 42,643 |  | $ | 28,405 |  | $ | 5,266 |  | $ | 495,531 |  | $ | 5,250 |  | $ | 853,668
Special Mention |  |  | – |  |  | – |  |  | 219 |  |  | 3,595 |  |  | – |  |  | – |  |  | 5,805 |  |  | – |  |  | 9,619
Substandard |  |  | – |  |  | – |  |  | 5,258 |  |  | 90 |  |  | – |  |  | – |  |  | 490 |  |  | – |  |  | 5,838
Substandard - Nonaccrual |  |  | – |  |  | – |  |  | 1,522 |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 1,522
Doubtful - Nonaccrual |  |  | – |  |  | – |  |  | 1,226 |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 1,226
Total |  | $ | 148,993 |  | $ | 73,323 |  | $ | 62,482 |  | $ | 46,328 |  | $ | 28,405 |  | $ | 5,266 |  | $ | 501,826 |  | $ | 5,250 |  | $ | 871,873
Gross charge-offs |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | –
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 32,918 |  | $ | 69,283 |  | $ | 52,830 |  | $ | 22,908 |  | $ | 5,961 |  | $ | 6,942 |  | $ | – |  | $ | – |  | $ | 190,842
Special Mention |  |  | – |  |  | – |  |  | – |  |  | 3,042 |  |  | 16,323 |  |  | – |  |  | – |  |  | – |  |  | 19,365
Total |  | $ | 32,918 |  | $ | 69,283 |  | $ | 52,830 |  | $ | 25,950 |  | $ | 22,284 |  | $ | 6,942 |  | $ | – |  | $ | – |  | $ | 210,207
Gross charge-offs |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | –
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 3,336 |  | $ | 2,267 |  | $ | 4,348 |  | $ | 669 |  | $ | – |  | $ | 2,739 |  | $ | 22,927 |  | $ | – |  | $ | 36,286
Total |  | $ | 3,336 |  | $ | 2,267 |  | $ | 4,348 |  | $ | 669 |  | $ | – |  | $ | 2,739 |  | $ | 22,927 |  | $ | – |  | $ | 36,286
Gross charge-offs |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | –
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 148,591 |  | $ | 58,055 |  | $ | 156,400 |  | $ | 129,237 |  | $ | 125,623 |  | $ | 213,343 |  | $ | 7,510 |  | $ | – |  | $ | 838,759
Total |  | $ | 148,591 |  | $ | 58,055 |  | $ | 156,400 |  | $ | 129,237 |  | $ | 125,623 |  | $ | 213,343 |  | $ | 7,510 |  | $ | – |  | $ | 838,759
Gross charge-offs |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | –
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | 2,314 |  | $ | – |  | $ | 2,314
Total |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | 2,314 |  | $ | – |  | $ | 2,314
Gross charge-offs |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | –
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 333,838 |  | $ | 202,928 |  | $ | 267,835 |  | $ | 195,457 |  | $ | 159,989 |  | $ | 228,290 |  | $ | 528,282 |  | $ | 5,250 |  | $ | 1,921,869
Special Mention |  |  | – |  |  | – |  |  | 219 |  |  | 6,637 |  |  | 16,323 |  |  | – |  |  | 5,805 |  |  | – |  |  | 28,984
Substandard |  |  | – |  |  | – |  |  | 5,258 |  |  | 90 |  |  | – |  |  | – |  |  | 490 |  |  | – |  |  | 5,838
Substandard - Nonaccrual |  |  | – |  |  | – |  |  | 1,522 |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 1,522
Doubtful - Nonaccrual |  |  | – |  |  | – |  |  | 1,226 |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 1,226
Total |  | $ | 333,838 |  | $ | 202,928 |  | $ | 276,060 |  | $ | 202,184 |  | $ | 176,312 |  | $ | 228,290 |  | $ | 534,577 |  | $ | 5,250 |  | $ | 1,959,439
‎
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |
(In thousands) |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Revolving Loans Amortized Cost Basis |  |  | Revolving Loans Converted to Term |  |  | Total
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 131,267 |  | $ | 95,642 |  | $ | 66,474 |  | $ | 74,282 |  | $ | 13,715 |  | $ | 6,223 |  | $ | 413,781 |  | $ | – |  | $ | 801,384
Special Mention |  |  | – |  |  | 5,524 |  |  | 4,031 |  |  | 318 |  |  | 69 |  |  | – |  |  | 1,950 |  |  | – |  |  | 11,892
Substandard |  |  | – |  |  | – |  |  | 329 |  |  | – |  |  | – |  |  | – |  |  | 2,470 |  |  | – |  |  | 2,799
Substandard - Nonaccrual |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 113 |  |  | – |  |  | – |  |  | 113
Doubtful - Nonaccrual |  |  | – |  |  | 1,234 |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 1,234
Total |  | $ | 131,267 |  | $ | 102,400 |  | $ | 70,834 |  | $ | 74,600 |  | $ | 13,784 |  | $ | 6,336 |  | $ | 418,201 |  | $ | – |  | $ | 817,422
Gross charge-offs |  | $ | 4,361 |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | 4,361
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 60,400 |  | $ | 71,819 |  | $ | 49,680 |  | $ | 23,694 |  | $ | 3,971 |  | $ | 3,780 |  | $ | 6,632 |  | $ | – |  | $ | 219,976
Special Mention |  |  | – |  |  | – |  |  | 3,060 |  |  | 24,019 |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 27,079
Total |  | $ | 60,400 |  | $ | 71,819 |  | $ | 52,740 |  | $ | 47,713 |  | $ | 3,971 |  | $ | 3,780 |  | $ | 6,632 |  | $ | – |  | $ | 247,055
Gross charge-offs |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | –
Residential Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,070 |  | $ | 4,395 |  | $ | 677 |  | $ | – |  | $ | 1,970 |  | $ | 857 |  | $ | 18,453 |  | $ | – |  | $ | 27,422
Total |  | $ | 1,070 |  | $ | 4,395 |  | $ | 677 |  | $ | – |  | $ | 1,970 |  | $ | 857 |  | $ | 18,453 |  | $ | – |  | $ | 27,422
Gross charge-offs |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | –
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 58,681 |  | $ | 163,333 |  | $ | 134,121 |  | $ | 143,578 |  | $ | 46,213 |  | $ | 203,190 |  | $ | 20,723 |  | $ | – |  | $ | 769,839
Special Mention |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 1,420 |  |  | 2,000 |  |  | – |  |  | 3,420
Total |  | $ | 58,681 |  | $ | 163,333 |  | $ | 134,121 |  | $ | 143,578 |  | $ | 46,213 |  | $ | 204,610 |  | $ | 22,723 |  | $ | – |  | $ | 773,259
Gross charge-offs |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | –
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | 957 |  | $ | – |  | $ | 957
Total |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | 957 |  | $ | – |  | $ | 957
Gross charge-offs |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | –
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 251,418 |  | $ | 335,189 |  | $ | 250,952 |  | $ | 241,554 |  | $ | 65,869 |  | $ | 214,050 |  | $ | 460,546 |  | $ | – |  | $ | 1,819,578
Special Mention |  |  | – |  |  | 5,524 |  |  | 7,091 |  |  | 24,337 |  |  | 69 |  |  | 1,420 |  |  | 3,950 |  |  | – |  |  | 42,391
Substandard |  |  | – |  |  | – |  |  | 329 |  |  | – |  |  | – |  |  | – |  |  | 2,470 |  |  | – |  |  | 2,799
Substandard - Nonaccrual |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 113 |  |  | – |  |  | – |  |  | 113
Doubtful - Nonaccrual |  |  | – |  |  | 1,234 |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 1,234
Total |  | $ | 251,418 |  | $ | 341,947 |  | $ | 258,372 |  | $ | 265,891 |  | $ | 65,938 |  | $ | 215,583 |  | $ | 466,966 |  | $ | – |  | $ | 1,866,115
Past Due And Nonaccrual Loan | The Company monitors loans by past due status. The following tables present the aging of past due loans as of September 30, 2025 and December 31, 2024:
|  | September 30, 2025
(In thousands) |  | 60-89 Days Past Due |  | Greater Than 89 Days and Still Accruing |  | Nonaccrual Loans |  | Total Past Due and Nonaccrual Loans |  | Current |  | Total
Commercial and industrial |  | $ | 142 |  | $ | – |  | $ | 2,748 |  | $ | 2,890 |  | $ | 868,983 |  | $ | 871,873
Construction |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 210,207 |  |  | 210,207
Residential Real Estate |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 36,286 |  |  | 36,286
Commercial Real Estate |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 838,759 |  |  | 838,759
Consumer |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 2,314 |  |  | 2,314
Total |  | $ | 142 |  | $ | – |  | $ | 2,748 |  | $ | 2,890 |  | $ | 1,956,549 |  | $ | 1,959,439
|  | December 31, 2024
(In thousands) |  | 60-89 Days Past Due |  | Greater Than 89 Days and Still Accruing |  | Nonaccrual Loans |  | Total Past Due and Nonaccrual |  | Current |  | Total
Commercial and industrial |  | $ | – |  | $ | – |  | $ | 1,347 |  | $ | 1,347 |  | $ | 816,075 |  | $ | 817,422
Construction |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 247,055 |  |  | 247,055
Residential Real Estate |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 27,422 |  |  | 27,422
Commercial Real Estate |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 773,259 |  |  | 773,259
Consumer |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 957 |  |  | 957
Total |  | $ | – |  | $ | – |  | $ | 1,347 |  | $ | 1,347 |  | $ | 1,864,768 |  | $ | 1,866,115
Outstanding Loan Balances Of Collateral-Dependent Loans By Portfolio Segment |
|  | Collateral Type |  |  |
(In thousands) |  | Real Property |  | Business Assets |  | Accounts Receivable |  | Equipment |  | Total
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 113 |  | $ | – |  | $ | – |  | $ | – |  | $ | 113
Construction |  |  | – |  |  | – |  |  | – |  |  | – |  |  | –
Residential Real Estate |  |  | – |  |  | – |  |  | – |  |  | – |  |  | –
Commercial Real Estate |  |  | – |  |  | – |  |  | – |  |  | – |  |  | –
Consumer |  |  | – |  |  | – |  |  | – |  |  | – |  |  | –
Total |  | $ | 113 |  | $ | – |  | $ | – |  | $ | – |  | $ | 113
Amortized Cost Basis Of Loans Experiencing Both Financial Difficulty And Modified |
(In thousands) |  | Term Extension |  | Payment Delay and/or Term Extension |  | Interest Rate Reduction and/or Payment Delay |  | Interest Rate Reduction, Payment Delay and/or Term Extension |  | Principal Forgiveness, Interest Rate Reduction, Payment Delay and Term Extension |  | Total |  | % of Total Class |
Three Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | – |  | $ | 5,258 |  | $ | – |  | $ | – |  | $ | – |  | $ | 5,258 |  | 0.60 | %
Construction |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  | – |
Residential Real Estate |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  | – |
Commercial Real Estate |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  | – |
Consumer |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  | – |
Total |  | $ | – |  | $ | 5,258 |  | $ | – |  | $ | – |  | $ | – |  | $ | 5,258 |  | 0.27 | %
Nine Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 1,523 |  | $ | 5,258 |  | $ | – |  | $ | – |  | $ | – |  | $ | 6,781 |  | 0.78 | %
Construction |  |  | 24,519 |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 24,519 |  | 11.66 |
Residential Real Estate |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  | – |
Commercial Real Estate |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  | – |
Consumer |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  | – |
Total |  | $ | 26,042 |  | $ | 5,258 |  | $ | – |  | $ | – |  | $ | – |  | $ | 31,300 |  | 1.60 | %
Three Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | – | %
Construction |  |  | 3,906 |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 3,906 |  | 1.54 |
Residential Real Estate |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  | – |
Commercial Real Estate |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  | – |
Consumer |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  | – |
Total |  | $ | 3,906 |  | $ | – |  | $ | – |  | $ | – |  | $ | – |  | $ | 3,906 |  | 0.22 | %
Nine Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 4,326 |  | $ | 4,323 |  | $ | – |  | $ | – |  | $ | – |  | $ | 8,649 |  | 1.09 | %
Construction |  |  | 15,148 |  |  | – |  |  | – |  |  | – |  |  | – |  |  | 15,148 |  | 5.96 |
Residential Real Estate |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  | – |
Commercial Real Estate |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  | – |
Consumer |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  |  | – |  | – |
Total |  | $ | 19,474 |  | $ | 4,323 |  | $ | – |  | $ | – |  | $ | – |  | $ | 23,797 |  | 1.33 | %

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