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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 3 Months Ended
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Mar. 31, 2025
Credit Loss [Abstract] |
Schedule of Composition of the Loan Portfolio by Type | The composition of the loan portfolio, net of deferred origination fees and costs, is summarized as follows (in thousands):
|  | March 31, 2025 |  | December 31, 2024
Commercial and industrial |  | $ | 295,732 |  |  | $ | 299,521 |
Commercial mortgages: |  |  |  |
Construction |  | 95,671 |  |  | 94,943 |
Owner occupied commercial real estate |  | 155,027 |  |  | 142,279 |
Non-owner occupied commercial real estate |  | 1,009,558 |  |  | 979,782 |
Residential mortgages |  | 275,448 |  |  | 274,979 |
Consumer loans: |  |  |  |
Home equity lines and loans |  | 93,914 |  |  | 93,220 |
Indirect consumer loans |  | 164,594 |  |  | 178,118 |
Direct consumer loans |  | 7,692 |  |  | 8,577 |
Total loans, net of deferred loan fees and costs |  | 2,097,636 |  |  | 2,071,419 |
Allowance for credit losses |  | (22,522) |  |  | (21,388) |
Loans, net |  | $ | 2,075,114 |  |  | $ | 2,050,031 |
Schedules of Allowance for Credit Loss | The following tables present the activity in the allowance for credit losses by portfolio segment for the three month periods ended March 31, 2025 and 2024 (in thousands):
| Three Months Ended March 31, 2025
Allowance for credit losses | Commercial and Industrial |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Beginning balance, January 1, 2025 | $ | 4,520 |  |  | $ | 11,214 |  |  | $ | 2,259 |  |  | $ | 3,395 |  |  | $ | 21,388 |
Charge-offs | (5) |  |  | — |  |  | — |  |  | (393) |  |  | (398) |
Recoveries | 4 |  |  | 1 |  |  | 5 |  |  | 126 |  |  | 136 |
Net recoveries (charge-offs) | (1) |  |  | 1 |  |  | 5 |  |  | (267) |  |  | (262) |
Provision (1) | 634 |  |  | 874 |  |  | 209 |  |  | (321) |  |  | 1,396 |
Ending balance, March 31, 2025 | $ | 5,153 |  |  | $ | 12,089 |  |  | $ | 2,473 |  |  | $ | 2,807 |  |  | $ | 22,522 |
(1)Additional provision related to off-balance sheet exposure was a credit of $304 thousand for the three months ended March 31, 2025.
| Three Months Ended March 31, 2024
Allowance for credit losses | Commercial and Industrial |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Beginning balance, January 1, 2024 | $ | 5,055 |  |  | $ | 12,026 |  |  | $ | 2,194 |  |  | $ | 3,242 |  |  | $ | 22,517 |
Charge-offs | — |  |  | — |  |  | (16) |  |  | (351) |  |  | (367) |
Recoveries | 37 |  |  | 1 |  |  | 22 |  |  | 125 |  |  | 185 |
Net recoveries (charge-offs) | 37 |  |  | 1 |  |  | 6 |  |  | (226) |  |  | (182) |
Provision (1) | (576) |  |  | (1,660) |  |  | (138) |  |  | 510 |  |  | (1,864) |
Ending balance, March 31, 2024 | $ | 4,516 |  |  | $ | 10,367 |  |  | $ | 2,062 |  |  | $ | 3,526 |  |  | $ | 20,471 |
(1)Additional provision related to off-balance sheet exposure was a credit of $176 thousand for the three months ended March 31, 2024. The following table presents the activity in the allowance for credit losses on unfunded commitments for the three month periods ended March 31, 2025 and 2024 (in thousands):
| For the Three Months Ended |  |
Allowance for credit losses on unfunded commitments | March 31, 2025 |  | March 31, 2024 |  |  |  |
Beginning balance | $ | 842 |  |  | $ | 919 |  |  |  |  |
Provision for credit losses on unfunded commitments | (304) |  |  | (176) |  |  |  |  |
Ending balance | $ | 538 |  |  | $ | 743 |  |  |  |  |
The following table presents the provision for credit losses on loans and unfunded commitments for the three month periods ended March 31, 2025 and 2024 (in thousands):
|  | For the Three Months Ended |  |
| Provision for credit losses | March 31, 2025 |  | March 31, 2024 |  |  |  |
| Provision for credit losses on loans | $ | 1,396 |  |  | $ | (1,864) |  |  |  |  |
| Provision for credit losses on unfunded commitments | (304) |  |  | (176) |  |  |  |  |
| Total provision for credit losses | $ | 1,092 |  |  | $ | (2,040) |  |  |  |  |
The following tables present the balance in the allowance for credit losses by portfolio segment, as of March 31, 2025 and December 31, 2024 (in thousands):
| March 31, 2025
Allowance for credit losses | Commercial and Industrial |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Ending allowance balance attributable to loans: |  |  |  |
Individually analyzed | $ | 1,514 |  |  | $ | 140 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,654 |
Collectively analyzed | 3,639 |  |  | 11,949 |  |  | 2,473 |  |  | 2,807 |  |  | 20,868 |
Total ending allowance balance | $ | 5,153 |  |  | $ | 12,089 |  |  | $ | 2,473 |  |  | $ | 2,807 |  |  | $ | 22,522 |
| December 31, 2024
Allowance for credit losses | Commercial and Industrial |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Totals
Ending allowance balance attributable to loans: |  |  |  |
Individually analyzed | $ | 1,446 |  |  | $ | 106 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,552 |
Collectively analyzed | 3,074 |  |  | 11,108 |  |  | 2,259 |  |  | 3,395 |  |  | 19,836 |
Total ending allowance balance | $ | 4,520 |  |  | $ | 11,214 |  |  | $ | 2,259 |  |  | $ | 3,395 |  |  | $ | 21,388 |
The following tables present the amortized cost basis of loans by portfolio segment, as of March 31, 2025 and December 31, 2024 (in thousands):
| March 31, 2025
Amortized cost basis of loans: | Commercial and Industrial |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Individually analyzed | $ | 1,676 |  |  | $ | 4,692 |  |  | $ | — |  |  | $ | — |  |  | $ | 6,368 |
Collectively analyzed | 294,056 |  |  | 1,255,564 |  |  | 275,448 |  |  | 266,200 |  |  | 2,091,268 |
Total ending loans balance | $ | 295,732 |  |  | $ | 1,260,256 |  |  | $ | 275,448 |  |  | $ | 266,200 |  |  | $ | 2,097,636 |
| December 31, 2024
Amortized cost basis of loans: | Commercial and Industrial |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Individually analyzed | $ | 1,512 |  |  | $ | 4,959 |  |  | $ | — |  |  | $ | — |  |  | $ | 6,471 |
Collectively analyzed | 298,009 |  |  | 1,212,045 |  |  | 274,979 |  |  | 279,915 |  |  | 2,064,948 |
Total ending loans balance | $ | 299,521 |  |  | $ | 1,217,004 |  |  | $ | 274,979 |  |  | $ | 279,915 |  |  | $ | 2,071,419 |
Schedule of Recorded Investment in Past Due and Non-Accrual Status by Class of Loans | The following tables present the performance of such loans that were modified in the twelve month periods preceding March 31, 2025 and March 31, 2024 (in thousands):
| Twelve Months Ended March 31, 2025 |  |  |  |  |  |
Past Due Status of Modifications under ASU 2022-02: | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater Than 89 Days Past Due |  | Loans Not Past Due |  | Total |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 367 |  |  | $ | 367 |  |  |  |  |  |  |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied commercial real estate | — |  |  | — |  |  | — |  |  | 374 |  |  | 374 |  |  |  |  |  |  |
Residential mortgages | — |  |  | — |  |  | — |  |  | 436 |  |  | 436 |  |  |  |  |  |  |
Total | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,177 |  |  | $ | 1,177 |  |  |  |  |  |  |
| Twelve Months Ended March 31, 2024 |  |  |  |  |  |
Past Due Status of Modifications under ASU 2022-02: | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater Than 89 Days Past Due |  | Loans Not Past Due |  | Total |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | — |  |  | $ | 675 |  |  | $ | 129 |  |  | $ | 804 |  |  |  |  |  |  |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | — |  |  | — |  |  | — |  |  | 116 |  |  | 116 |  |  |  |  |  |  |
Total | $ | — |  |  | $ | — |  |  | $ | 675 |  |  | $ | 245 |  |  | $ | 920 |  |  |  |  |  |  |
The following table presents the amortized cost basis of nonaccrual loans without an associated allocation in the allowance for credit losses, total nonaccrual loans, and loans past due greater than 90 days and still accruing, by class of loan as of March 31, 2025 and December 31, 2024 (in thousands):
| Nonaccrual with No Allowance for Credit Losses |  | Nonaccrual |  | Loans Past Due 90 Days or More and Still Accruing
| March 31, 2025 |  | December 31, 2024 |  | March 31, 2025 |  | December 31, 2024 |  | March 31, 2025 |  | December 31, 2024
Commercial and industrial | $ | 74 |  |  | $ | 76 |  |  | $ | 1,697 |  |  | $ | 1,534 |  |  | $ | 24 |  |  | $ | 23 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Owner occupied commercial real estate | 1,330 |  |  | 1,362 |  |  | 1,342 |  |  | 1,377 |  |  | — |  |  | — |
Non-owner occupied commercial real estate | 1,183 |  |  | 2,619 |  |  | 3,350 |  |  | 3,582 |  |  | — |  |  | — |
Residential mortgages | 1,697 |  |  | 1,372 |  |  | 1,697 |  |  | 1,372 |  |  | — |  |  | — |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | 1,034 |  |  | 613 |  |  | 1,034 |  |  | 613 |  |  | — |  |  | — |
Indirect consumer loans | 712 |  |  | 474 |  |  | 712 |  |  | 474 |  |  | — |  |  | — |
Direct consumer loans | 49 |  |  | 2 |  |  | 49 |  |  | 2 |  |  | — |  |  | — |
Total | $ | 6,079 |  |  | $ | 6,518 |  |  | $ | 9,881 |  |  | $ | 8,954 |  |  | $ | 24 |  |  | $ | 23 |
There was an immaterial amount of interest income recognized on nonaccrual loans for the three month periods ended March 31, 2025 and 2024. Payments received on nonaccrual loans are generally applied to principal using the cost recovery method. The following tables present the aging of the amortized cost basis of loans as of March 31, 2025 and December 31, 2024 (in thousands):
| March 31, 2025
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  |  |  | Loans Not Past Due |  | Total
Commercial and industrial | $ | 854 |  |  | $ | 38 |  |  | $ | 914 |  |  | $ | 1,806 |  |  |  |  | $ | 293,926 |  |  | $ | 295,732 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | 2,159 |  |  | — |  |  | — |  |  | 2,159 |  |  |  |  | 93,512 |  |  | 95,671 |
Owner occupied commercial real estate | 425 |  |  | — |  |  | 96 |  |  | 521 |  |  |  |  | 154,506 |  |  | 155,027 |
Non-owner occupied commercial real estate | — |  |  | — |  |  | 3,181 |  |  | 3,181 |  |  |  |  | 1,006,377 |  |  | 1,009,558 |
Residential mortgages | 2,769 |  |  | — |  |  | 337 |  |  | 3,106 |  |  |  |  | 272,342 |  |  | 275,448 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | 341 |  |  | — |  |  | 640 |  |  | 981 |  |  |  |  | 92,933 |  |  | 93,914 |
Indirect consumer loans | 1,819 |  |  | 291 |  |  | 281 |  |  | 2,391 |  |  |  |  | 162,203 |  |  | 164,594 |
Direct consumer loans | 8 |  |  | 6 |  |  | 15 |  |  | 29 |  |  |  |  | 7,663 |  |  | 7,692 |
Total | $ | 8,375 |  |  | $ | 335 |  |  | $ | 5,464 |  |  | $ | 14,174 |  |  |  |  | $ | 2,083,462 |  |  | $ | 2,097,636 |
| December 31, 2024
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  |  |  | Loans Not Past Due |  | Total
Commercial and industrial | $ | 140 |  |  | $ | 201 |  |  | $ | 702 |  |  | $ | 1,043 |  |  |  |  | $ | 298,478 |  |  | $ | 299,521 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | — |  |  | — |  |  | — |  |  |  |  | 94,943 |  |  | 94,943 |
Owner occupied commercial real estate | 82 |  |  | — |  |  | 96 |  |  | 178 |  |  |  |  | 142,101 |  |  | 142,279 |
Non-owner occupied commercial real estate | 950 |  |  | — |  |  | 3,162 |  |  | 4,112 |  |  |  |  | 975,670 |  |  | 979,782 |
Residential mortgages | 1,529 |  |  | 662 |  |  | 696 |  |  | 2,887 |  |  |  |  | 272,092 |  |  | 274,979 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | 231 |  |  | — |  |  | 364 |  |  | 595 |  |  |  |  | 92,625 |  |  | 93,220 |
Indirect consumer loans | 2,101 |  |  | 719 |  |  | 235 |  |  | 3,055 |  |  |  |  | 175,063 |  |  | 178,118 |
Direct consumer loans | 14 |  |  | 6 |  |  | 1 |  |  | 21 |  |  |  |  | 8,556 |  |  | 8,577 |
Total | $ | 5,047 |  |  | $ | 1,588 |  |  | $ | 5,256 |  |  | $ | 11,891 |  |  |  |  | $ | 2,059,528 |  |  | $ | 2,071,419 |
Schedule of Analysis of Collateral Dependent Loans | The following table presents the amortized cost basis and related allowance for credit loss of individually analyzed loans considered to be collateral-dependent as of March 31, 2025 and December 31, 2024 (in thousands):
| March 31, 2025 |  | December 31, 2024
| Amortized Cost Basis |  | Related Allowance |  | Amortized Cost Basis |  | Related Allowance
Commercial and industrial (3) | $ | 320 |  |  | $ | 159 |  |  | $ | 130 |  |  | $ | 65 |
Commercial mortgages: |  |  |  |  |  |  |
Owner occupied commercial real estate (1) (2) | 1,342 |  |  | 12 |  |  | 1,377 |  |  | 15 |
Non-owner occupied commercial real estate (1) (2) | 3,350 |  |  | 128 |  |  | 3,582 |  |  | 91 |
Total | $ | 5,012 |  |  | $ | 299 |  |  | $ | 5,089 |  |  | $ | 171 |
(1) Secured by commercial real estate (2) Secured by residential real estate (3) Secured by business assets
Schedule of Impaired Financing Receivables |
Schedule of Risk Category of the Recorded Investment of Loans by Class of Loans | Based on the analyses performed as of March 31, 2025, the amortized cost basis of loans by class, risk category, and vintage, as well as gross charge-offs by class and vintage for the three month period ended March 31, 2025, were as follows (in thousands):
| Term Loans Amortized Cost by Origination Year |  | Revolving Loans Amortized Cost |  | Revolving Loans Converted to Term |  | Total
| 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  |  |
Commercial & industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 13,238 |  |  | $ | 39,353 |  |  | $ | 30,511 |  |  | $ | 33,249 |  |  | $ | 15,512 |  |  | $ | 29,362 |  |  | $ | 106,238 |  |  | $ | 2,427 |  |  | $ | 269,890 |
Special mention | — |  |  | 664 |  |  | 429 |  |  | 4,112 |  |  | 450 |  |  | 7,801 |  |  | 7,124 |  |  | 2,650 |  |  | 23,230 |
Substandard | — |  |  | 367 |  |  | — |  |  | 4 |  |  | 730 |  |  | — |  |  | 520 |  |  | 309 |  |  | 1,930 |
Doubtful | — |  |  | 21 |  |  | — |  |  | — |  |  | — |  |  | 661 |  |  | — |  |  | — |  |  | 682 |
Total | 13,238 |  |  | 40,405 |  |  | 30,940 |  |  | 37,365 |  |  | 16,692 |  |  | 37,824 |  |  | 113,882 |  |  | 5,386 |  |  | 295,732 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | — |  |  | 5 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 5,033 |  |  | 21,401 |  |  | 39,868 |  |  | 18,406 |  |  | 8,996 |  |  | 1,484 |  |  | 483 |  |  | — |  |  | 95,671 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 5,033 |  |  | 21,401 |  |  | 39,868 |  |  | 18,406 |  |  | 8,996 |  |  | 1,484 |  |  | 483 |  |  | — |  |  | 95,671 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Owner occupied commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 13,848 |  |  | 23,872 |  |  | 20,294 |  |  | 24,369 |  |  | 20,101 |  |  | 38,794 |  |  | 896 |  |  | 51 |  |  | 142,225 |
Special mention | — |  |  | — |  |  | 2,802 |  |  | 2,220 |  |  | 692 |  |  | 2,771 |  |  | 2,000 |  |  | — |  |  | 10,485 |
Substandard | — |  |  | — |  |  | 96 |  |  | 841 |  |  | 317 |  |  | 1,051 |  |  | — |  |  | — |  |  | 2,305 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12 |  |  | — |  |  | — |  |  | 12 |
Total | 13,848 |  |  | 23,872 |  |  | 23,192 |  |  | 27,430 |  |  | 21,110 |  |  | 42,628 |  |  | 2,896 |  |  | 51 |  |  | 155,027 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 33,419 |  |  | 101,231 |  |  | 111,244 |  |  | 263,465 |  |  | 140,798 |  |  | 321,071 |  |  | 7,366 |  |  | 764 |  |  | 979,358 |
Special mention | — |  |  | — |  |  | 3,586 |  |  | 7,225 |  |  | 7,690 |  |  | 7,734 |  |  | — |  |  | — |  |  | 26,235 |
Substandard | — |  |  | — |  |  | 2,167 |  |  | 142 |  |  | — |  |  | 1,656 |  |  | — |  |  | — |  |  | 3,965 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 33,419 |  |  | 101,231 |  |  | 116,997 |  |  | 270,832 |  |  | 148,488 |  |  | 330,461 |  |  | 7,366 |  |  | 764 |  |  | 1,009,558 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Not rated | 5,205 |  |  | 23,364 |  |  | 20,232 |  |  | 54,173 |  |  | 54,150 |  |  | 116,497 |  |  | — |  |  | — |  |  | 273,621 |
Substandard | — |  |  | — |  |  | — |  |  | 85 |  |  | 625 |  |  | 1,117 |  |  | — |  |  | — |  |  | 1,827 |
Total | 5,205 |  |  | 23,364 |  |  | 20,232 |  |  | 54,258 |  |  | 54,775 |  |  | 117,614 |  |  | — |  |  | — |  |  | 275,448 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Home equity lines and loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Not rated | 3,099 |  |  | 13,445 |  |  | 10,074 |  |  | 12,938 |  |  | 4,668 |  |  | 12,109 |  |  | 35,303 |  |  | 1,130 |  |  | 92,766 |
Special mention | — |  |  | — |  |  | — |  |  | 114 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 114 |
Substandard | — |  |  | — |  |  | 23 |  |  | 176 |  |  | — |  |  | 190 |  |  | 96 |  |  | 549 |  |  | 1,034 |
Total | 3,099 |  |  | 13,445 |  |  | 10,097 |  |  | 13,228 |  |  | 4,668 |  |  | 12,299 |  |  | 35,399 |  |  | 1,679 |  |  | 93,914 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Indirect consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Not rated | 4,918 |  |  | 35,199 |  |  | 47,215 |  |  | 59,984 |  |  | 11,299 |  |  | 5,243 |  |  | — |  |  | — |  |  | 163,858 |
Substandard | — |  |  | 102 |  |  | 292 |  |  | 232 |  |  | 58 |  |  | 52 |  |  | — |  |  | — |  |  | 736 |
Total | 4,918 |  |  | 35,301 |  |  | 47,507 |  |  | 60,216 |  |  | 11,357 |  |  | 5,295 |  |  | — |  |  | — |  |  | 164,594 |
Gross charge-offs | — |  |  | 57 |  |  | 178 |  |  | 82 |  |  | 34 |  |  | 28 |  |  | — |  |  | — |  |  | 379 |
Direct consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Not rated | 494 |  |  | 2,064 |  |  | 1,346 |  |  | 1,181 |  |  | 192 |  |  | 226 |  |  | 2,157 |  |  | 7 |  |  | 7,667 |
Substandard | — |  |  | — |  |  | 7 |  |  | — |  |  | — |  |  | — |  |  | 10 |  |  | 8 |  |  | 25 |
Total | 494 |  |  | 2,064 |  |  | 1,353 |  |  | 1,181 |  |  | 192 |  |  | 226 |  |  | 2,167 |  |  | 15 |  |  | 7,692 |
Gross charge-offs | — |  |  | — |  |  | 8 |  |  | — |  |  | 3 |  |  | 1 |  |  | 2 |  |  | — |  |  | 14 |
Total loans | $ | 79,254 |  |  | $ | 261,083 |  |  | $ | 290,186 |  |  | $ | 482,916 |  |  | $ | 266,278 |  |  | $ | 547,831 |  |  | $ | 162,193 |  |  | $ | 7,895 |  |  | $ | 2,097,636 |
Total gross charge-offs | $ | — |  |  | $ | 57 |  |  | $ | 186 |  |  | $ | 82 |  |  | $ | 37 |  |  | $ | 29 |  |  | $ | 7 |  |  | $ | — |  |  | $ | 398 |
Based on the analyses performed as of December 31, 2024, the amortized cost basis of loans by class, risk category, and vintage, as well as gross charge-offs by class and vintage for the year ended December 31, 2024, were as follows (in thousands):
| Term Loans Amortized Cost by Origination Year |  | Revolving Loans Amortized Cost |  | Revolving Loans Converted to Term |  | Total
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  |  |
Commercial & industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 44,130 |  |  | $ | 32,157 |  |  | $ | 34,862 |  |  | $ | 16,787 |  |  | $ | 8,326 |  |  | $ | 27,452 |  |  | $ | 108,819 |  |  | $ | 1,380 |  |  | $ | 273,913 |
Special mention | 810 |  |  | 262 |  |  | 3,933 |  |  | — |  |  | 4,390 |  |  | 3,673 |  |  | 10,203 |  |  | 62 |  |  | 23,333 |
Substandard | 99 |  |  | — |  |  | 8 |  |  | 733 |  |  | 30 |  |  | — |  |  | 379 |  |  | 318 |  |  | 1,567 |
Doubtful | 21 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 687 |  |  | — |  |  | — |  |  | 708 |
Total | 45,060 |  |  | 32,419 |  |  | 38,803 |  |  | 17,520 |  |  | 12,746 |  |  | 31,812 |  |  | 119,401 |  |  | 1,760 |  |  | 299,521 |
Gross charge-offs | — |  |  | 84 |  |  | 200 |  |  | 6 |  |  | — |  |  | — |  |  | 12 |  |  | — |  |  | 302 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 19,344 |  |  | 46,954 |  |  | 17,568 |  |  | 9,058 |  |  | — |  |  | 1,536 |  |  | 483 |  |  | — |  |  | 94,943 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 19,344 |  |  | 46,954 |  |  | 17,568 |  |  | 9,058 |  |  | — |  |  | 1,536 |  |  | 483 |  |  | — |  |  | 94,943 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Owner occupied commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 23,196 |  |  | 23,185 |  |  | 26,945 |  |  | 20,979 |  |  | 9,513 |  |  | 31,222 |  |  | 97 |  |  | 55 |  |  | 135,192 |
Special mention | — |  |  | 370 |  |  | — |  |  | 109 |  |  | — |  |  | 2,206 |  |  | 2,000 |  |  | — |  |  | 4,685 |
Substandard | — |  |  | 96 |  |  | 863 |  |  | 321 |  |  | — |  |  | 1,107 |  |  | — |  |  | — |  |  | 2,387 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 15 |  |  | — |  |  | — |  |  | 15 |
Total | 23,196 |  |  | 23,651 |  |  | 27,808 |  |  | 21,409 |  |  | 9,513 |  |  | 34,550 |  |  | 2,097 |  |  | 55 |  |  | 142,279 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 97,155 |  |  | 109,354 |  |  | 267,280 |  |  | 141,864 |  |  | 97,828 |  |  | 233,084 |  |  | 6,696 |  |  | 777 |  |  | 954,038 |
Special mention | — |  |  | — |  |  | 5,935 |  |  | 7,793 |  |  | — |  |  | 7,833 |  |  | — |  |  | — |  |  | 21,561 |
Substandard | — |  |  | 2,148 |  |  | 146 |  |  | — |  |  | 1,014 |  |  | 875 |  |  | — |  |  | — |  |  | 4,183 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 97,155 |  |  | 111,502 |  |  | 273,361 |  |  | 149,657 |  |  | 98,842 |  |  | 241,792 |  |  | 6,696 |  |  | 777 |  |  | 979,782 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Not rated | 21,574 |  |  | 20,257 |  |  | 55,321 |  |  | 55,152 |  |  | 64,471 |  |  | 56,708 |  |  | — |  |  | — |  |  | 273,483 |
Substandard | — |  |  | — |  |  | 85 |  |  | 771 |  |  | 220 |  |  | 420 |  |  | — |  |  | — |  |  | 1,496 |
Total | 21,574 |  |  | 20,257 |  |  | 55,406 |  |  | 55,923 |  |  | 64,691 |  |  | 57,128 |  |  | — |  |  | — |  |  | 274,979 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 21 |  |  | — |  |  | — |  |  | 21 |
Home equity lines and loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Not rated | 13,833 |  |  | 10,657 |  |  | 14,094 |  |  | 4,879 |  |  | 2,503 |  |  | 10,259 |  |  | 35,015 |  |  | 1,252 |  |  | 92,492 |
Special mention | — |  |  | — |  |  | 115 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 115 |
Substandard | — |  |  | 24 |  |  | 63 |  |  | — |  |  | — |  |  | 195 |  |  | 116 |  |  | 215 |  |  | 613 |
Total | 13,833 |  |  | 10,681 |  |  | 14,272 |  |  | 4,879 |  |  | 2,503 |  |  | 10,454 |  |  | 35,131 |  |  | 1,467 |  |  | 93,220 |
Gross charge-offs | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 11 |  |  | 1 |  |  | — |  |  | 13 |
Indirect consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Not rated | 37,746 |  |  | 52,480 |  |  | 67,237 |  |  | 13,266 |  |  | 4,194 |  |  | 2,726 |  |  | — |  |  | — |  |  | 177,649 |
Substandard | 75 |  |  | 157 |  |  | 107 |  |  | 79 |  |  | 11 |  |  | 40 |  |  | — |  |  | — |  |  | 469 |
Total | 37,821 |  |  | 52,637 |  |  | 67,344 |  |  | 13,345 |  |  | 4,205 |  |  | 2,766 |  |  | — |  |  | — |  |  | 178,118 |
Gross charge-offs | 47 |  |  | 517 |  |  | 525 |  |  | 161 |  |  | 99 |  |  | 116 |  |  | — |  |  | — |  |  | 1,465 |
Direct consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Not rated | 2,420 |  |  | 1,681 |  |  | 1,454 |  |  | 275 |  |  | 41 |  |  | 225 |  |  | 2,455 |  |  | 14 |  |  | 8,565 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10 |  |  | 2 |  |  | 12 |
Total | 2,420 |  |  | 1,681 |  |  | 1,454 |  |  | 275 |  |  | 41 |  |  | 225 |  |  | 2,465 |  |  | 16 |  |  | 8,577 |
Gross charge-offs | 5 |  |  | 21 |  |  | 20 |  |  | 14 |  |  | — |  |  | 4 |  |  | 8 |  |  | — |  |  | 72 |
Total loans | $ | 260,403 |  |  | $ | 299,782 |  |  | $ | 496,016 |  |  | $ | 272,066 |  |  | $ | 192,541 |  |  | $ | 380,263 |  |  | $ | 166,273 |  |  | $ | 4,075 |  |  | $ | 2,071,419 |
Total gross charge-offs | $ | 52 |  |  | $ | 622 |  |  | $ | 746 |  |  | $ | 181 |  |  | $ | 99 |  |  | $ | 152 |  |  | $ | 21 |  |  | $ | — |  |  | $ | 1,873 |

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