XML 39 R27.htm IDEA: XBRL DOCUMENT
v3.25.2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 6 Months Ended
--- | ---
Jun. 30, 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):
|  | June 30, 2025 |  | December 31, 2024
Commercial and industrial |  | $ | 294,474 |  |  | $ | 299,521 |
Commercial mortgages: |  |  |  |
Construction |  | 98,504 |  |  | 94,943 |
Owner occupied commercial real estate |  | 161,432 |  |  | 142,279 |
Non-owner occupied commercial real estate |  | 1,037,589 |  |  | 979,782 |
Residential mortgages |  | 278,221 |  |  | 274,979 |
Consumer loans: |  |  |  |
Home equity lines and loans |  | 101,505 |  |  | 93,220 |
Indirect consumer loans |  | 153,324 |  |  | 178,118 |
Direct consumer loans |  | 7,365 |  |  | 8,577 |
Total loans, net of deferred loan fees and costs |  | 2,132,414 |  |  | 2,071,419 |
Allowance for credit losses |  | (22,665) |  |  | (21,388) |
Loans, net |  | $ | 2,109,749 |  |  | $ | 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 and six month periods ended June 30, 2025 and 2024 (in thousands):
| Three Months Ended June 30, 2025
Allowance for credit losses | Commercial and Industrial |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Beginning balance, April 1, 2025 | $ | 5,153 |  |  | $ | 12,089 |  |  | $ | 2,473 |  |  | $ | 2,807 |  |  | $ | 22,522 |
Charge-offs | (772) |  |  | — |  |  | — |  |  | (348) |  |  | (1,120) |
Recoveries | 4 |  |  | 1 |  |  | 5 |  |  | 118 |  |  | 128 |
Net recoveries (charge-offs) | (768) |  |  | 1 |  |  | 5 |  |  | (230) |  |  | (992) |
Provision (1) | 139 |  |  | 624 |  |  | 119 |  |  | 253 |  |  | 1,135 |
Ending balance, June 30, 2025 | $ | 4,524 |  |  | $ | 12,714 |  |  | $ | 2,597 |  |  | $ | 2,830 |  |  | $ | 22,665 |
(1)Additional provision related to off-balance sheet exposure was $10 thousand for the three months ended June 30, 2025.
| Three Months Ended June 30, 2024
Allowance for credit losses | Commercial and Industrial |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Beginning balance, April 1, 2024 | $ | 4,516 |  |  | $ | 10,367 |  |  | $ | 2,062 |  |  | $ | 3,526 |  |  | $ | 20,471 |
Charge-offs | — |  |  | — |  |  | (3) |  |  | (446) |  |  | (449) |
Recoveries | 13 |  |  | 1 |  |  | 26 |  |  | 103 |  |  | 143 |
Net recoveries (charge-offs) | 13 |  |  | 1 |  |  | 23 |  |  | (343) |  |  | (306) |
Provision (1) | 365 |  |  | 162 |  |  | 21 |  |  | 318 |  |  | 866 |
Ending balance, June 30, 2024 | $ | 4,894 |  |  | $ | 10,530 |  |  | $ | 2,106 |  |  | $ | 3,501 |  |  | $ | 21,031 |
(1)Additional provision related to off-balance sheet exposure was $13 thousand for the three months ended June 30, 2024.
| Six Months Ended June 30, 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 | (777) |  |  | — |  |  | — |  |  | (742) |  |  | (1,519) |
Recoveries | 9 |  |  | 2 |  |  | 10 |  |  | 244 |  |  | 265 |
Net recoveries (charge-offs) | (768) |  |  | 2 |  |  | 10 |  |  | (498) |  |  | (1,254) |
Provision (credit) (1) | 772 |  |  | 1,498 |  |  | 328 |  |  | (67) |  |  | 2,531 |
Ending balance, June 30, 2025 | $ | 4,524 |  |  | $ | 12,714 |  |  | $ | 2,597 |  |  | $ | 2,830 |  |  | $ | 22,665 |
(1)Additional provision related to off-balance sheet exposure was a $294 thousand credit for the six months ended June 30, 2025.
| Six Months Ended June 30, 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 | — |  |  | — |  |  | (19) |  |  | (797) |  |  | (816) |
Recoveries | 50 |  |  | 2 |  |  | 49 |  |  | 227 |  |  | 328 |
Net recoveries (charge-offs) | 50 |  |  | 2 |  |  | 30 |  |  | (570) |  |  | (488) |
Provision (1) | (211) |  |  | (1,498) |  |  | (118) |  |  | 829 |  |  | (998) |
Ending balance, June 30, 2024 | $ | 4,894 |  |  | $ | 10,530 |  |  | $ | 2,106 |  |  | $ | 3,501 |  |  | $ | 21,031 |
(1)Additional provision related to off-balance sheet exposure was a $163 thousand credit for the six months ended June 30, 2024. The following table presents the activity in the allowance for credit losses on unfunded commitments for the three and six month periods ended June 30, 2025 and 2024 (in thousands):
| For the Three Months Ended |  | For the Six Months Ended
Allowance for credit losses on unfunded commitments | June 30, 2025 |  | June 30, 2024 |  | June 30, 2025 |  | June 30, 2024
Beginning balance | $ | 538 |  |  | $ | 743 |  |  | $ | 842 |  |  | $ | 919 |
Provision for credit losses on unfunded commitments | 10 |  |  | 13 |  |  | (294) |  |  | (163) |
Ending balance | $ | 548 |  |  | $ | 756 |  |  | $ | 548 |  |  | $ | 756 |
The following table presents the provision for credit losses on loans and unfunded commitments for the three and six month periods ended June 30, 2025 and 2024 (in thousands):
|  | For the Three Months Ended |  | For the Six Months Ended
| Provision for credit losses | June 30, 2025 |  | June 30, 2024 |  | June 30, 2025 |  | June 30, 2024
| Provision for credit losses on loans | $ | 1,135 |  |  | $ | 866 |  |  | $ | 2,531 |  |  | $ | (998) |
| Provision for credit losses on unfunded commitments | 10 |  |  | 13 |  |  | (294) |  |  | (163) |
| Total provision for credit losses | $ | 1,145 |  |  | $ | 879 |  |  | $ | 2,237 |  |  | $ | (1,161) |
The following tables present the balance in the allowance for credit losses by portfolio segment, as of June 30, 2025 and December 31, 2024 (in thousands):
| June 30, 2025
Allowance for credit losses | Commercial and Industrial |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Ending allowance balance attributable to loans: |  |  |  |
Individually analyzed | $ | 700 |  |  | $ | 158 |  |  | $ | — |  |  | $ | — |  |  | $ | 858 |
Collectively analyzed | 3,824 |  |  | 12,556 |  |  | 2,597 |  |  | 2,830 |  |  | 21,807 |
Total ending allowance balance | $ | 4,524 |  |  | $ | 12,714 |  |  | $ | 2,597 |  |  | $ | 2,830 |  |  | $ | 22,665 |
| 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 June 30, 2025 and December 31, 2024 (in thousands):
| June 30, 2025
Amortized cost basis of loans: | Commercial and Industrial |  | Commercial Mortgages |  | Residential Mortgages |  | Consumer Loans |  | Total
Individually analyzed | $ | 861 |  |  | $ | 3,767 |  |  | $ | — |  |  | $ | 353 |  |  | $ | 4,981 |
Collectively analyzed | 293,613 |  |  | 1,293,758 |  |  | 278,221 |  |  | 261,841 |  |  | 2,127,433 |
Total ending loans balance | $ | 294,474 |  |  | $ | 1,297,525 |  |  | $ | 278,221 |  |  | $ | 262,194 |  |  | $ | 2,132,414 |
| 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 Financing Receivable, Modified | The following tables summarize the amortized cost basis of loans modified during the three and six month periods ended June 30, 2024 (in thousands):
| Three Months Ended June 30, 2024
Loans modified under ASU 2022-02: | Principal Reduction |  | Interest Rate Reduction |  | Term Extension |  | Payment Delay |  | Combination |  | Total |  | (%) of Loan Class (1)
Residential mortgages | — |  |  | — |  |  | — |  |  | 440 |  |  | — |  |  | 440 |  |  | 0.16 | %
Total | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 440 |  |  | $ | — |  |  | $ | 440 |  |  |
(1) Represents amortized cost basis of loans modified during the period as a percentage of the period-end loan balances by class.
| Six Months Ended June 30, 2024
Loans modified under ASU 2022-02: | Principal Reduction |  | Interest Rate Reduction |  | Term Extension |  | Payment Delay |  | Combination |  | Total |  | (%) of Loan Class (1)
Residential mortgages | — |  |  | — |  |  | — |  |  | 440 |  |  | — |  |  | 440 |  |  | 0.16 | %
Total | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 440 |  |  | $ | — |  |  | $ | 440 |  |  |
(1) Represents amortized cost basis of loans modified during the period as a percentage of the period-end loan balances by class. The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty during the three and six month periods ended June 30, 2024 (in thousands):
| Three Months Ended June 30, 2024 |  |  |  |  |  |
Effect of loan modifications under ASU 2022-02: | Principal Reduction (in thousands) |  | Weighted-average interest rate reduction (%) |  | Weighted-average term extension (in months) |  | Weighted-average payment delay (in months) |  |  |  |  |  |
Residential mortgages | $— |  | —% |  | 0 |  | 6 |  |  |  |  |  |
| Six Months Ended June 30, 2024 |  |  |  |  |  |
Effect of loan modifications under ASU 2022-02: | Principal Reduction (in thousands) |  | Weighted-average interest rate reduction (%) |  | Weighted-average term extension (in months) |  | Weighted-average payment delay (in months) |  |  |  |  |  |
Residential mortgages | $— |  | —% |  | 0 |  | 6 |  |  |  |  |  |
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 June 30, 2025 and June 30, 2024 (in thousands):
| Twelve Months Ended June 30, 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 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 351 |  |  | $ | 351 |  |  |  |  |  |  |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied commercial real estate | — |  |  | — |  |  | — |  |  | 372 |  |  | 372 |  |  |  |  |  |  |
Total | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 723 |  |  | $ | 723 |  |  |  |  |  |  |
| Twelve Months Ended June 30, 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 |  |  | $ | 121 |  |  | $ | 796 |  |  |  |  |  |  |
Residential mortgages | — |  |  | — |  |  | 440 |  |  | — |  |  | 440 |  |  |  |  |  |  |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | — |  |  | — |  |  | — |  |  | 116 |  |  | 116 |  |  |  |  |  |  |
Total | $ | — |  |  | $ | — |  |  | $ | 1,115 |  |  | $ | 237 |  |  | $ | 1,352 |  |  |  |  |  |  |
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 June 30, 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
| June 30, 2025 |  | December 31, 2024 |  | June 30, 2025 |  | December 31, 2024 |  | June 30, 2025 |  | December 31, 2024
Commercial and industrial | $ | 70 |  |  | $ | 76 |  |  | $ | 879 |  |  | $ | 1,534 |  |  | $ | — |  |  | $ | 23 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Owner occupied commercial real estate | 1,298 |  |  | 1,362 |  |  | 1,307 |  |  | 1,377 |  |  | — |  |  | — |
Non-owner occupied commercial real estate | 293 |  |  | 2,619 |  |  | 2,460 |  |  | 3,582 |  |  | — |  |  | — |
Residential mortgages | 1,837 |  |  | 1,372 |  |  | 1,837 |  |  | 1,372 |  |  | — |  |  | — |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | 1,012 |  |  | 613 |  |  | 1,012 |  |  | 613 |  |  | — |  |  | — |
Indirect consumer loans | 701 |  |  | 474 |  |  | 703 |  |  | 474 |  |  | — |  |  | — |
Direct consumer loans | 39 |  |  | 2 |  |  | 39 |  |  | 2 |  |  | — |  |  | — |
Total | $ | 5,250 |  |  | $ | 6,518 |  |  | $ | 8,237 |  |  | $ | 8,954 |  |  | $ | — |  |  | $ | 23 |
The following tables present the aging of the amortized cost basis of loans as of June 30, 2025 and December 31, 2024 (in thousands):
| June 30, 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 | $ | 6 |  |  | $ | — |  |  | $ | 207 |  |  | $ | 213 |  |  |  |  | $ | 294,261 |  |  | $ | 294,474 |
Commercial mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | — |  |  | — |  |  | — |  |  |  |  | 98,504 |  |  | 98,504 |
Owner occupied commercial real estate | — |  |  | 312 |  |  | 96 |  |  | 408 |  |  |  |  | 161,024 |  |  | 161,432 |
Non-owner occupied commercial real estate | 52 |  |  | — |  |  | 2,298 |  |  | 2,350 |  |  |  |  | 1,035,239 |  |  | 1,037,589 |
Residential mortgages | 1,275 |  |  | 425 |  |  | 785 |  |  | 2,485 |  |  |  |  | 275,736 |  |  | 278,221 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | 828 |  |  | 3 |  |  | 194 |  |  | 1,025 |  |  |  |  | 100,480 |  |  | 101,505 |
Indirect consumer loans | 1,846 |  |  | 255 |  |  | 246 |  |  | 2,347 |  |  |  |  | 150,977 |  |  | 153,324 |
Direct consumer loans | 21 |  |  | 7 |  |  | 13 |  |  | 41 |  |  |  |  | 7,324 |  |  | 7,365 |
Total | $ | 4,028 |  |  | $ | 1,002 |  |  | $ | 3,839 |  |  | $ | 8,869 |  |  |  |  | $ | 2,123,545 |  |  | $ | 2,132,414 |
| 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 June 30, 2025 and December 31, 2024 (in thousands):
| June 30, 2025 |  | December 31, 2024
| Amortized Cost Basis |  | Related Allowance |  | Amortized Cost Basis |  | Related Allowance
Commercial and industrial (3) | $ | 52 |  |  | $ | — |  |  | $ | 130 |  |  | $ | 65 |
Commercial mortgages: |  |  |  |  |  |  |
Owner occupied commercial real estate (1) (2) | 1,307 |  |  | 9 |  |  | 1,377 |  |  | 15 |
Non-owner occupied commercial real estate (1) (2) | 2,460 |  |  | 149 |  |  | 3,582 |  |  | 91 |
Consumer loans: |  |  |  |  |  |  |
Home equity lines and loans (2) | 353 |  |  | — |  |  | — |  |  | — |
Total | $ | 4,172 |  |  | $ | 158 |  |  | $ | 5,089 |  |  | $ | 171 |
(1) Secured by commercial real estate. (2) Secured by residential real estate. (3) Secured by business assets.
Schedule of Risk Category of the Recorded Investment of Loans by Class of Loans | Based on the analyses performed as of June 30, 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 six month period ended June 30, 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 | $ | 28,884 |  |  | $ | 37,956 |  |  | $ | 28,045 |  |  | $ | 29,161 |  |  | $ | 14,812 |  |  | $ | 20,222 |  |  | $ | 107,196 |  |  | $ | 2,628 |  |  | $ | 268,904 |
Special mention | 426 |  |  | 639 |  |  | 537 |  |  | 2,463 |  |  | 475 |  |  | 7,966 |  |  | 6,435 |  |  | 2,658 |  |  | 21,599 |
Substandard | — |  |  | 351 |  |  | — |  |  | — |  |  | 55 |  |  | — |  |  | 2,722 |  |  | 106 |  |  | 3,234 |
Doubtful | — |  |  | 20 |  |  | — |  |  | — |  |  | — |  |  | 620 |  |  | — |  |  | 97 |  |  | 737 |
Total | 29,310 |  |  | 38,966 |  |  | 28,582 |  |  | 31,624 |  |  | 15,342 |  |  | 28,808 |  |  | 116,353 |  |  | 5,489 |  |  | 294,474 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | 772 |  |  | — |  |  | 5 |  |  | — |  |  | 777 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 8,170 |  |  | 27,518 |  |  | 37,422 |  |  | 14,542 |  |  | 8,938 |  |  | 1,431 |  |  | 483 |  |  | — |  |  | 98,504 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 8,170 |  |  | 27,518 |  |  | 37,422 |  |  | 14,542 |  |  | 8,938 |  |  | 1,431 |  |  | 483 |  |  | — |  |  | 98,504 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Owner occupied commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 21,793 |  |  | 23,730 |  |  | 17,881 |  |  | 23,948 |  |  | 13,836 |  |  | 37,041 |  |  | 888 |  |  | 47 |  |  | 139,164 |
Special mention | 1,215 |  |  | — |  |  | 4,924 |  |  | 2,290 |  |  | 6,660 |  |  | 2,945 |  |  | 2,000 |  |  | — |  |  | 20,034 |
Substandard | — |  |  | — |  |  | 96 |  |  | 820 |  |  | 312 |  |  | 997 |  |  | — |  |  | — |  |  | 2,225 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9 |  |  | — |  |  | — |  |  | 9 |
Total | 23,008 |  |  | 23,730 |  |  | 22,901 |  |  | 27,058 |  |  | 20,808 |  |  | 40,992 |  |  | 2,888 |  |  | 47 |  |  | 161,432 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-owner occupied commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 72,030 |  |  | 101,031 |  |  | 114,898 |  |  | 263,157 |  |  | 139,692 |  |  | 309,743 |  |  | 7,391 |  |  | 751 |  |  | 1,008,693 |
Special mention | 2,050 |  |  | — |  |  | 3,571 |  |  | 7,652 |  |  | 7,587 |  |  | 5,106 |  |  | — |  |  | — |  |  | 25,966 |
Substandard | — |  |  | — |  |  | 2,167 |  |  | 137 |  |  | — |  |  | 626 |  |  | — |  |  | — |  |  | 2,930 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 74,080 |  |  | 101,031 |  |  | 120,636 |  |  | 270,946 |  |  | 147,279 |  |  | 315,475 |  |  | 7,391 |  |  | 751 |  |  | 1,037,589 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Not rated | 14,660 |  |  | 23,986 |  |  | 19,916 |  |  | 53,158 |  |  | 52,883 |  |  | 111,654 |  |  | — |  |  | — |  |  | 276,257 |
Substandard | — |  |  | — |  |  | — |  |  | 221 |  |  | 563 |  |  | 1,180 |  |  | — |  |  | — |  |  | 1,964 |
Total | 14,660 |  |  | 23,986 |  |  | 19,916 |  |  | 53,379 |  |  | 53,446 |  |  | 112,834 |  |  | — |  |  | — |  |  | 278,221 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Home equity lines and loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Not rated | 4,695 |  |  | 12,961 |  |  | 9,502 |  |  | 12,242 |  |  | 4,486 |  |  | 11,535 |  |  | 43,674 |  |  | 1,283 |  |  | 100,378 |
Special mention | — |  |  | — |  |  | — |  |  | 114 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 114 |
Substandard | — |  |  | — |  |  | 47 |  |  | 170 |  |  | — |  |  | 188 |  |  | 94 |  |  | 514 |  |  | 1,013 |
Total | 4,695 |  |  | 12,961 |  |  | 9,549 |  |  | 12,526 |  |  | 4,486 |  |  | 11,723 |  |  | 43,768 |  |  | 1,797 |  |  | 101,505 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Indirect consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Not rated | 11,794 |  |  | 32,204 |  |  | 42,264 |  |  | 53,045 |  |  | 9,286 |  |  | 4,007 |  |  | — |  |  | — |  |  | 152,600 |
Substandard | — |  |  | 153 |  |  | 272 |  |  | 188 |  |  | 56 |  |  | 55 |  |  | — |  |  | — |  |  | 724 |
Total | 11,794 |  |  | 32,357 |  |  | 42,536 |  |  | 53,233 |  |  | 9,342 |  |  | 4,062 |  |  | — |  |  | — |  |  | 153,324 |
Gross charge-offs | — |  |  | 97 |  |  | 329 |  |  | 168 |  |  | 67 |  |  | 35 |  |  | — |  |  | — |  |  | 696 |
Direct consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Not rated | 1,013 |  |  | 1,793 |  |  | 1,124 |  |  | 941 |  |  | 127 |  |  | 199 |  |  | 2,144 |  |  | 5 |  |  | 7,346 |
Substandard | — |  |  | 8 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10 |  |  | 1 |  |  | 19 |
Total | 1,013 |  |  | 1,801 |  |  | 1,124 |  |  | 941 |  |  | 127 |  |  | 199 |  |  | 2,154 |  |  | 6 |  |  | 7,365 |
Gross charge-offs | — |  |  | 12 |  |  | 16 |  |  | 4 |  |  | 3 |  |  | — |  |  | 11 |  |  | — |  |  | 46 |
Total loans | $ | 166,730 |  |  | $ | 262,350 |  |  | $ | 282,666 |  |  | $ | 464,249 |  |  | $ | 259,768 |  |  | $ | 515,524 |  |  | $ | 173,037 |  |  | $ | 8,090 |  |  | $ | 2,132,414 |
Total gross charge-offs | $ | — |  |  | $ | 109 |  |  | $ | 345 |  |  | $ | 172 |  |  | $ | 842 |  |  | $ | 35 |  |  | $ | 16 |  |  | $ | — |  |  | $ | 1,519 |
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 |

X
- Definition Financing Receivable, Modified + References No definition available. + Details
Name: | chmg_FinancingReceivableModifiedTableTextBlock
Namespace Prefix: | chmg_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule Of Analysis Of Collateral Dependent Loans + References No definition available. + Details
Name: | chmg_ScheduleOfAnalysisOfCollateralDependentLoansTableTextBlock
Namespace Prefix: | chmg_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_CreditLossAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 14 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-14 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 80 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-80 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(4)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(3)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration