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Loans and Related Allowance for Credit Losses | 6 Months Ended
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Jun. 30, 2023
Loans and Related Allowance for Credit Losses [Abstract] |
Loans and Related Allowance for Credit Losses | ​ ​ Note 5 – Loans and Related Allowance for Credit Losses The following table summarizes the primary segments of the loan portfolio at June 30, 2023 and December 31, 2022: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(in thousands) |  | Commercial Real Estate |  | Acquisition and Development |  | Commercial and Industrial |  | Residential Mortgage |  | Consumer |  | Total
June 30, 2023 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 2,151 | ​ | $ | — | ​ | $ | 2,151
Collectively evaluated for impairment | ​ | ​ | 483,485 | ​ | ​ | 79,003 | ​ | ​ | 249,683 | ​ | ​ | 473,389 | ​ | ​ | 62,327 | ​ | ​ | 1,347,887
Total loans | ​ | $ | 483,485 | ​ | $ | 79,003 | ​ | $ | 249,683 | ​ | $ | 475,540 | ​ | $ | 62,327 | ​ | $ | 1,350,038
December 31, 2022 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Individually evaluated for impairment | ​ | $ | 2,262 | ​ | $ | 356 | ​ | $ | — | ​ | $ | 3,880 | ​ | $ | — | ​ | $ | 6,498
Collectively evaluated for impairment | ​ | ​ | 456,569 | ​ | ​ | 70,240 | ​ | ​ | 245,396 | ​ | ​ | 440,531 | ​ | ​ | 60,260 | ​ | ​ | 1,272,996
Total loans | ​ | $ | 458,831 | ​ | $ | 70,596 | ​ | $ | 245,396 | ​ | $ | 444,411 | ​ | $ | 60,260 | ​ | $ | 1,279,494
​ The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and non-accrual loans at June 30, 2023 and December 31, 2022: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(in thousands) |  | Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days+ Past Due |  | Total Past Due and Accruing |  | Non- Accrual |  | Total Loans
June 30, 2023 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non owner-occupied | ​ | $ | 284,580 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 284,580
All other CRE | ​ | ​ | 198,905 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 198,905
Acquisition and development: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
1-4 family residential construction | ​ | ​ | 20,228 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 20,228
All other A&D | ​ | ​ | 58,647 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 128 | ​ | ​ | 58,775
Commercial and industrial | ​ | ​ | 249,425 | ​ | ​ | 177 | ​ | ​ | 81 | ​ | ​ | — | ​ | ​ | 258 | ​ | ​ | — | ​ | ​ | 249,683
Residential mortgage: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential mortgage - term | ​ | ​ | 411,033 | ​ | ​ | 428 | ​ | ​ | 704 | ​ | ​ | 45 | ​ | ​ | 1,177 | ​ | ​ | 2,518 | ​ | ​ | 414,728
Residential mortgage - home equity | ​ | ​ | 60,227 | ​ | ​ | 241 | ​ | ​ | — | ​ | ​ | 18 | ​ | ​ | 259 | ​ | ​ | 326 | ​ | ​ | 60,812
Consumer | ​ | ​ | 61,591 | ​ | ​ | 498 | ​ | ​ | 141 | ​ | ​ | 97 | ​ | ​ | 736 | ​ | ​ | — | ​ | ​ | 62,327
Total | ​ | $ | 1,344,636 | ​ | $ | 1,344 | ​ | $ | 926 | ​ | $ | 160 | ​ | $ | 2,430 | ​ | $ | 2,972 | ​ | $ | 1,350,038
December 31, 2022 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non owner-occupied | ​ | $ | 269,971 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 87 | ​ | $ | 270,058
All other CRE | ​ | ​ | 188,715 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 58 | ​ | ​ | 188,773
Acquisition and development: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
1-4 family residential construction | ​ | ​ | 19,637 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 19,637
All other A&D | ​ | ​ | 50,813 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 146 | ​ | ​ | 50,959
Commercial and industrial | ​ | ​ | 245,342 | ​ | ​ | 54 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 54 | ​ | ​ | — | ​ | ​ | 245,396
Residential mortgage: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential mortgage - term | ​ | ​ | 380,502 | ​ | ​ | 31 | ​ | ​ | 722 | ​ | ​ | 239 | ​ | ​ | 992 | ​ | ​ | 2,893 | ​ | ​ | 384,387
Residential mortgage - home equity | ​ | ​ | 59,223 | ​ | ​ | 399 | ​ | ​ | 48 | ​ | ​ | 43 | ​ | ​ | 490 | ​ | ​ | 311 | ​ | ​ | 60,024
Consumer | ​ | ​ | 59,789 | ​ | ​ | 363 | ​ | ​ | 83 | ​ | ​ | 25 | ​ | ​ | 471 | ​ | ​ | — | ​ | ​ | 60,260
Total | ​ | $ | 1,273,992 | ​ | $ | 847 | ​ | $ | 853 | ​ | $ | 307 | ​ | $ | 2,007 | ​ | $ | 3,495 | ​ | $ | 1,279,494
​ Non-accrual loans that have been subject to partial charge-offs totaled $0.1 million at June 30, 2023 and $0.1 million at December 31, 2022. Loans secured by 1-4 family residential real estate properties in the process of foreclosure totaled $1.8 million at June 30, 2023. There were no loans subject to foreclosure at December 31, 2022. As a percentage of the loan portfolio, accruing loans past due 30 days or more was 0.18% at June 30, 2023 compared to 0.17% at March 31, 2023 and 0.16% at December 31, 2022. ​ Effective January 1, 2023, the Corporation adopted the accounting guidance in ASU No. 2022-02, which eliminated the recognition and measurement of TDRs. Due to the removal of the TDR designation, the Corporation evaluates all loan restructurings according to the accounting guidance for loan modifications to determine if the restructuring results in a new loan or a continuation of the existing loan. Loan modifications to borrowers experiencing financial difficulty that result in a direct change in the timing or amount of contractual cash flows include situations where there is principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions, and combinations of the above. Therefore, the disclosures related to loan restructurings are only for modifications that directly affect cash flows. A loan that is considered a non-accrual or restructured loan may be subject to the individually evaluated loan analysis if the commitment is $0.1 million or greater; otherwise, the restructured loan remains in the appropriate segment in the ACL model and associated reserves are adjusted based on changes in the discounted cash flows resulting from the modification of the restructured loan. For a discussion with respect to reserve calculations regarding individually evaluated loans, refer to the “Nonrecurring Loans” section in Note 6, Fair Value Measurements. There were no loan modifications made to borrowers facing financial difficulties in the three- or six-month period ending June 30, 2023. The Corporation maintains an ACL at a level determined to be adequate to absorb expected credit losses associated with the Corporation’s financial instruments over the life of those instruments as of the balance sheet date. The Corporation develops and documents a systematic ACL methodology based on the following portfolio segments: (i) commercial real estate, (ii) acquisition and development, (iii) commercial and industrial, (iv) residential mortgage, and (v) consumer. The Corporation’s loan portfolio is segmented by homogeneous loan types that behave similarly to economic cycles. The segmentation in the CECL model is different from the segmentation in the Incurred Loss model. The following is a discussion of the key risks by portfolio segment that management assesses in preparing the ACL. Commercial Real Estate- loans are secured by commercial purpose real estate, including both owner occupied properties and investment properties, for various purposes such as hotels, strip malls and apartments. Operations of the individual projects as well as global cash flows of the debtors are the primary source of repayment of these loans. The condition of the local economy is an important indicator of risk, but there are more specific risks depending on the collateral type as well as the business. Acquisition and Development- loans include both commercial and consumer. Commercial loans are made to finance construction of buildings or other structures, as well as to finance the acquisition and development of raw land for various purposes. While the risk of these loans is generally confined to the construction period, if there are problems, the project may not be completed, and as such, may not provide sufficient cash flow on its own to service the debt or have sufficient value in a liquidation to cover the outstanding principal. The condition of the local economy is an important indicator of risk, but there are also more specific risks depending on the type of project and the experience and resources of the developer. Consumer loans are made for the construction of residential homes for which a binding sales contract exists and generally are for a period of time sufficient to complete construction. Residential construction loans to individuals generally provide for the payment of interest only during the construction phase. Credit risk for residential real estate construction loans can arise from construction delays, cost overruns, failure of the contractor to complete the project to specifications and economic conditions that could impact demand for supply of the property being constructed. Commercial and Industrial- loans are made to operating companies or manufacturers for the purpose of production, operating capacity, accounts receivable, inventory or equipment financing. Cash flow from the operations of the borrower is the primary source of repayment for these loans. The condition of the local economy is an important indicator of risk, but there are also more specific risks depending on the industry of the borrower. Collateral for these types of loans often do not have sufficient value in a distressed or liquidation scenario to satisfy the outstanding debt. These loans are also made to local municipalities for various purposes including refinancing existing obligations, infrastructure up-fit and expansion, or to purchase new equipment. The primary repayment source for local municipalities include the tax base of the municipality, specific revenue streams related to the infrastructure financed, and other business operations of the municipal authority. The health and stability of state and local economies directly impacts each municipality’s tax basis and are important indicators of risk for this segment. The ability of each municipality to increase taxes and fees to offset service requirements give this type of loan a very low risk profile in the continuum of the Corporation’s loan portfolio. Residential mortgage- loans are secured by first and second liens such as home equity lines of credit and 1-4 family residential mortgages. The primary source of repayment for these loans is the income of the borrower. The condition of the local economy, in particular the unemployment rate, is an important indicator of risk for this segment. The state of the local housing market can also have a significant impact on this segment because low demand and/or declining home values can limit the ability of borrowers to sell a property and satisfy debt. Consumer- loans are made to individuals and may be either secured by assets other than 1-4 family residences or unsecured. This segment includes automobile loans and unsecured loans and lines of credit. The primary source of repayment for these loans is the income and assets of the borrower. The condition of the local economy, in particular the unemployment rate, is an important indicator of risk for this segment. The value of the collateral, if there is any, is less likely to be a source of repayment due to less certain collateral values. The following table summarizes the primary segments of the ACL at June 30, 2023 and allowance for loan loss (“ALL”) at December 31, 2022, segregated by the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(in thousands) |  | Commercial Real Estate |  | Acquisition and Development |  | Commercial and Industrial |  | Residential Mortgage |  | Consumer |  | Unallocated |  | Total
June 30, 2023 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Collectively evaluated for impairment | ​ | ​ | 4,946 | ​ | ​ | 1,134 | ​ | ​ | 3,549 | ​ | ​ | 6,417 | ​ | ​ | 859 | ​ | ​ | — | ​ | ​ | 16,905
Total ACL | ​ | $ | 4,946 | ​ | $ | 1,134 | ​ | $ | 3,549 | ​ | $ | 6,417 | ​ | $ | 859 | ​ | $ | — | ​ | $ | 16,905
December 31, 2022 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 26 | ​ | $ | — | ​ | $ | — | ​ | $ | 26
Collectively evaluated for impairment | ​ | ​ | 6,345 | ​ | ​ | 979 | ​ | ​ | 2,845 | ​ | ​ | 3,134 | ​ | ​ | 877 | ​ | ​ | 430 | ​ | ​ | 14,610
Total ALL | ​ | $ | 6,345 | ​ | $ | 979 | ​ | $ | 2,845 | ​ | $ | 3,160 | ​ | $ | 877 | ​ | $ | 430 | ​ | $ | 14,636
​ Changes in the fair value of the types of collateral for individually evaluated loans are reported as provision for credit loss in the period of change. The evaluation of the need and amount of a specific allocation of the ACL and whether a loan can be removed from impairment status is made on a quarterly basis. The following table presents the amortized cost basis of collateral-dependent individually evaluated loans as of June 30, 2023. ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | June 30, 2023
(dollars in thousands) |  | Real Estate |  | Non-Accrual Loans with No Allowance
Residential mortgage | ​ | $ | 2,151 | ​ | $ | 2,151
Total Loans | ​ | $ | 2,151 | ​ | $ | 2,151
​ The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not required at December 31, 2022: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Impaired Loans with Specific Allowance | ​ | Impaired Loans with No Specific Allowance | ​ | Total Impaired Loans
(in thousands) |  | Recorded Investment |  | Related Allowances |  | Recorded Investment |  | Recorded Investment (1) |  | Unpaid Principal Balance
December 31, 2022 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non owner-occupied | ​ | $ | — | ​ | $ | — | ​ | $ | 187 | ​ | $ | 187 | ​ | $ | —
All other CRE | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 2,075 | ​ | ​ | 2,075 | ​ | ​ | —
Acquisition and development | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
1-4 family residential construction | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 210 | ​ | ​ | 210 | ​ | ​ | —
All other A&D | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 146 | ​ | ​ | 146 | ​ | ​ | 109
Commercial and industrial | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Residential mortgage | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential mortgage – term | ​ | ​ | 345 | ​ | ​ | 26 | ​ | ​ | 3,225 | ​ | ​ | 3,570 | ​ | ​ | 41
Residential mortgage – home equity | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 310 | ​ | ​ | 310 | ​ | ​ | —
Consumer | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total impaired loans | ​ | $ | 345 | ​ | $ | 26 | ​ | $ | 6,153 | ​ | $ | 6,498 | ​ | $ | 150
​
| (1) | Recorded investment consists of unpaid principal balance, net of charge-offs, interest payments received applied to principal and unamortized deferred loan origination fees and cost.
​ The following tables present the activity in the ACL and ALL for the six- and three- month periods ended June 30, 2023 and 2022:
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Three months ended (in thousands) |  | Commercial Real Estate |  | Acquisition and Development |  | Commercial and Industrial |  | Residential Mortgage |  | Consumer |  | Unallocated |  | Total
Beginning balance at January 1, 2023 prior to adoption of ASC 326 | ​ | $ | 6,345 | ​ | $ | 979 | ​ | $ | 2,845 | ​ | $ | 3,160 | ​ | $ | 877 | ​ | $ | 430 | ​ | $ | 14,636
Impact of adopting ASC 326 | ​ | ​ | (1,143) | ​ | ​ | (15) | ​ | ​ | 1,334 | ​ | ​ | 2,112 | ​ | ​ | 208 | ​ | ​ | (430) | ​ | ​ | 2,066
Loan Charge-offs | ​ | ​ | (87) | ​ | ​ | — | ​ | ​ | (166) | ​ | ​ | (24) | ​ | ​ | (518) | ​ | ​ | — | ​ | ​ | (795)
Recoveries collected | ​ | ​ | 5 | ​ | ​ | 7 | ​ | ​ | 9 | ​ | ​ | 36 | ​ | ​ | 93 | ​ | ​ | — | ​ | ​ | 150
Credit Loss Expense | ​ | ​ | (174) | ​ | ​ | 163 | ​ | ​ | (473) | ​ | ​ | 1,133 | ​ | ​ | 199 | ​ | ​ | — | ​ | ​ | 848
ACL balance at June 30, 2023 | ​ | $ | 4,946 | ​ | $ | 1,134 | ​ | $ | 3,549 | ​ | $ | 6,417 | ​ | $ | 859 | ​ | $ | — | ​ | $ | 16,905
ALL balance at January 1, 2022 | ​ | $ | 6,032 | ​ | $ | 2,615 | ​ | $ | 2,460 | ​ | $ | 3,484 | ​ | $ | 934 | ​ | $ | 430 | ​ | $ | 15,955
Loan Charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (52) | ​ | ​ | (33) | ​ | ​ | (545) | ​ | ​ | — | ​ | ​ | (630)
Recoveries collected | ​ | ​ | 1 | ​ | ​ | 20 | ​ | ​ | 9 | ​ | ​ | 101 | ​ | ​ | 76 | ​ | ​ | — | ​ | ​ | 207
Credit Loss Expense | ​ | ​ | 187 | ​ | ​ | (463) | ​ | ​ | 413 | ​ | ​ | (440) | ​ | ​ | 508 | ​ | ​ | — | ​ | ​ | 205
ALL balance at June 30, 2022 | ​ | $ | 6,220 | ​ | $ | 2,172 | ​ | $ | 2,830 | ​ | $ | 3,112 | ​ | $ | 973 | ​ | $ | 430 | ​ | $ | 15,737
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Three months ended (in thousands) | ​ | Commercial Real Estate | ​ | Acquisition and Development | ​ | Commercial and Industrial | ​ | Residential Mortgage | ​ | Consumer | ​ | Unallocated | ​ | Total
ACL balance at April 1, 2023 | ​ | $ | 4,862 | ​ | $ | 1,103 | ​ | $ | 3,755 | ​ | $ | 6,324 | ​ | $ | 827 | ​ | $ | — | ​ | $ | 16,871
Loan Charge-offs | ​ | ​ | (87) | ​ | ​ | — | ​ | ​ | (166) | ​ | ​ | (18) | ​ | ​ | (185) | ​ | ​ | — | ​ | ​ | (456)
Recoveries collected | ​ | ​ | — | ​ | ​ | 2 | ​ | ​ | 5 | ​ | ​ | 18 | ​ | ​ | 31 | ​ | ​ | — | ​ | ​ | 56
Credit Loss Expense | ​ | ​ | 171 | ​ | ​ | 29 | ​ | ​ | (45) | ​ | ​ | 93 | ​ | ​ | 186 | ​ | ​ | — | ​ | ​ | 434
ACL balance at June 30, 2023 | ​ | $ | 4,946 | ​ | $ | 1,134 | ​ | $ | 3,549 | ​ | $ | 6,417 | ​ | $ | 859 | ​ | $ | — | ​ | $ | 16,905
ALL balance at April 1, 2022 | ​ | $ | 5,922 | ​ | $ | 2,542 | ​ | $ | 2,513 | ​ | $ | 2,945 | ​ | $ | 940 | ​ | $ | 430 | ​ | $ | 15,292
Charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (4) | ​ | ​ | (24) | ​ | ​ | (299) | ​ | ​ | — | ​ | ​ | (327)
Recoveries | ​ | ​ | — | ​ | ​ | 2 | ​ | ​ | 6 | ​ | ​ | 86 | ​ | ​ | 54 | ​ | ​ | — | ​ | ​ | 148
Credit Loss Expense | ​ | ​ | 298 | ​ | ​ | (372) | ​ | ​ | 315 | ​ | ​ | 105 | ​ | ​ | 278 | ​ | ​ | — | ​ | ​ | 624
ALL balance at June 30, 2022 | ​ | $ | 6,220 | ​ | $ | 2,172 | ​ | $ | 2,830 | ​ | $ | 3,112 | ​ | $ | 973 | ​ | $ | 430 | ​ | $ | 15,737
​ ​ The Corporation’s methodology for estimating the ACL includes: Segmentation. The Corporation’s loan portfolio is segmented by homogeneous loan types that behave similarly to economic cycles. Specific Analysis. A specific reserve analysis is applied to certain individually evaluated loans. These loans are evaluated quarterly generally based on collateral value, observable market value or the present value of expected future cash flows. A specific reserve is established if the fair value is less than the loan balance. A charge-off is recognized when the loss is quantifiable. Individually evaluated loans not specifically analyzed reside in the Quantitative Analysis. Quantitative Analysis. The Corporation elected to use DCF. Economic forecasts include but are not limited to unemployment, the Consumer Price Index, the Housing Affordability Index, and Gross State Product. These forecasts are assumed to revert to the long term average and are utilized in the model to estimate the probability of default and the loss given default is the estimated loss rate, which varies over time. The estimated loss rate is applied within the appropriate periods in the cash flow model to determine the net present value. Net present value is also impacted by assumption related to the duration between default and recovery. The reserve is based on the difference between the summation of the principal balances taking amortized costs into consideration and the summation of the net present values. Qualitative Analysis. Based on management’s review and analysis of internal, external and model risks, management may adjust the model output. Management reviews the peaks and troughs of the model’s calibrations, taking into account economic forecasts to develop guardrails that serve as the basis for determining the reasonableness of the model’s output and makes adjustments as necessary. This process challenges unexpected variability resulting from outputs beyond the model’s calibrations that appear to be unreasonable. Management also enhances the calculation through the use of Moody’s economic forecast data in its calculation. Additionally, management may adjust the economic forecast if it is incompatible with known market conditions based on management’s experience and perspective. The ACL is based on estimates, and actual losses may vary from current estimates. Management believes that the granularity of the homogeneous pools and the related historical loss ratios and other qualitative factors, as well as the consistency in the application of assumptions, result in an ACL that is representative of the risk found in the components of the portfolio at any given date. Credit Quality Indicators: The Corporation’s portfolio grading analysis estimates the capability of the borrower to repay the contractual obligations of the loan agreements as scheduled or at all. The Corporation’s internal credit risk grading system is based on debt service coverage, collateral values and other subjective factors. Mortgage and consumer loans are defaulted to pass grade until a loan migrates to past due status. The Corporation has a loan review policy and annual scope report that details the level of loan review for loans in a given year. The annual loan review provides the Credit Risk Committee with an independent analysis of the following: (i) credit quality of the loan portfolio, (ii) compliance with loan policy, (iii) adequacy of documentation in credit files and (iv) validity of risk ratings. The Corporation’s internally assigned grades are as follows: Pass- The Corporation uses six grades of pass, including its watch rating. Generally, a pass rating indicates that the loan is currently performing and is of high quality. Special Mention- Assets with potential weaknesses that warrant management’s close attention and if left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. Substandard- Assets that are inadequately protected by the current sound worth and paying capacity of the obligor or by the collateral pledged, if any. Assets so classified have a well-defined weakness, or weaknesses that jeopardize the liquidation of the debt. Such assets are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful- Assets with all weaknesses inherent in one classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently known facts, conditions, and values, highly questionable and improbable. Loss- Assets considered of such little value that its continuance on the books is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical to defer writing off this basically worthless asset even though partial recovery may be affected in the future. The ability of borrowers to repay commercial loans is dependent upon the success of their business and general economic conditions. Due to the greater potential for loss within our commercial portfolio, we monitor the commercial loan portfolio through an internal risk rating system. Loan risk ratings are assigned based upon the creditworthiness of the borrower and are reviewed on an ongoing basis according to our internal policies. Loans rated special mention or substandard have potential or well-defined weaknesses not generally found in high quality, performing loans, and require attention from management to limit loss. ​ The following table presents loan balances by year of origination and internally assigned risk rating for our portfolio segments as of dates presented: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(in thousands) |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 and Prior |  | Revolving |  | Total Portfolio Loans
June 30, 2023 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non owner-occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 19,702 | ​ | $ | 66,666 | ​ | $ | 31,131 | ​ | $ | 47,947 | ​ | $ | 40,130 | ​ | $ | 60,486 | ​ | $ | 807 | ​ | $ | 266,869
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 6,167 | ​ | ​ | — | ​ | ​ | 6,167
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 11,544 | ​ | ​ | — | ​ | ​ | 11,544
Total non-owner occupied | ​ | ​ | 19,702 | ​ | ​ | 66,666 | ​ | ​ | 31,131 | ​ | ​ | 47,947 | ​ | ​ | 40,130 | ​ | ​ | 78,197 | ​ | ​ | 807 | ​ | ​ | 284,580
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 87 | ​ | ​ | — | ​ | ​ | 87
All other CRE | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 16,648 | ​ | ​ | 28,223 | ​ | ​ | 25,694 | ​ | ​ | 21,675 | ​ | ​ | 25,017 | ​ | ​ | 70,917 | ​ | ​ | 4,490 | ​ | ​ | 192,664
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,203 | ​ | ​ | 1,203
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,080 | ​ | ​ | — | ​ | ​ | 1,888 | ​ | ​ | 1,471 | ​ | ​ | 599 | ​ | ​ | 5,038
Total all other CRE | ​ | ​ | 16,648 | ​ | ​ | 28,223 | ​ | ​ | 26,774 | ​ | ​ | 21,675 | ​ | ​ | 26,905 | ​ | ​ | 72,388 | ​ | ​ | 6,292 | ​ | ​ | 198,905
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Acquisition and development: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
1-4 family residential construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 3,905 | ​ | ​ | 12,561 | ​ | ​ | 1,198 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 195 | ​ | ​ | 2,369 | ​ | ​ | 20,228
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total acquisition and development | ​ | ​ | 3,905 | ​ | ​ | 12,561 | ​ | ​ | 1,198 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 195 | ​ | ​ | 2,369 | ​ | ​ | 20,228
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
All other A&D | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 6,966 | ​ | ​ | 20,364 | ​ | ​ | 5,072 | ​ | ​ | 9,427 | ​ | ​ | 1,328 | ​ | ​ | 11,501 | ​ | ​ | 3,989 | ​ | ​ | 58,647
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 128 | ​ | ​ | — | ​ | ​ | 128
Total all other A&D | ​ | ​ | 6,966 | ​ | ​ | 20,364 | ​ | ​ | 5,072 | ​ | ​ | 9,427 | ​ | ​ | 1,328 | ​ | ​ | 11,629 | ​ | ​ | 3,989 | ​ | ​ | 58,775
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Commercial and industrial: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 20,732 | ​ | ​ | 73,589 | ​ | ​ | 26,631 | ​ | ​ | 13,851 | ​ | ​ | 10,735 | ​ | ​ | 12,981 | ​ | ​ | 69,070 | ​ | ​ | 227,589
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 334 | ​ | ​ | 844 | ​ | ​ | 1,178
Substandard | ​ | ​ | — | ​ | ​ | 8,923 | ​ | ​ | 2,140 | ​ | ​ | 6,896 | ​ | ​ | 135 | ​ | ​ | 876 | ​ | ​ | 1,946 | ​ | ​ | 20,916
Total commercial and industrial | ​ | ​ | 20,732 | ​ | ​ | 82,512 | ​ | ​ | 28,771 | ​ | ​ | 20,747 | ​ | ​ | 10,870 | ​ | ​ | 14,191 | ​ | ​ | 71,860 | ​ | ​ | 249,683
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 166 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 166
Residential mortgage: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential mortgage - term | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 29,970 | ​ | ​ | 80,804 | ​ | ​ | 90,055 | ​ | ​ | 40,502 | ​ | ​ | 26,163 | ​ | ​ | 138,450 | ​ | ​ | 2,004 | ​ | ​ | 407,948
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 926 | ​ | ​ | 156 | ​ | ​ | 101 | ​ | ​ | 5,557 | ​ | ​ | 40 | ​ | ​ | 6,780
Total residential mortgage - term | ​ | ​ | 29,970 | ​ | ​ | 80,804 | ​ | ​ | 90,981 | ​ | ​ | 40,658 | ​ | ​ | 26,264 | ​ | ​ | 144,007 | ​ | ​ | 2,044 | ​ | ​ | 414,728
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 13 | ​ | ​ | — | ​ | ​ | 13
Residential mortgage - home equity | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 1,060 | ​ | ​ | 5,301 | ​ | ​ | 909 | ​ | ​ | 505 | ​ | ​ | 307 | ​ | ​ | 571 | ​ | ​ | 51,535 | ​ | ​ | 60,188
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 41 | ​ | ​ | — | ​ | ​ | 19 | ​ | ​ | 564 | ​ | ​ | 624
Total residential mortgage - home equity | ​ | ​ | 1,060 | ​ | ​ | 5,301 | ​ | ​ | 909 | ​ | ​ | 546 | ​ | ​ | 307 | ​ | ​ | 590 | ​ | ​ | 52,099 | ​ | ​ | 60,812
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 11 | ​ | ​ | — | ​ | ​ | 11
Consumer: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 12,170 | ​ | ​ | 13,199 | ​ | ​ | 8,094 | ​ | ​ | 2,895 | ​ | ​ | 930 | ​ | ​ | 22,045 | ​ | ​ | 2,733 | ​ | ​ | 62,066
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | 56 | ​ | ​ | 163 | ​ | ​ | 24 | ​ | ​ | 7 | ​ | ​ | 5 | ​ | ​ | 6 | ​ | ​ | 261
Total consumer | ​ | ​ | 12,170 | ​ | ​ | 13,255 | ​ | ​ | 8,257 | ​ | ​ | 2,919 | ​ | ​ | 937 | ​ | ​ | 22,050 | ​ | ​ | 2,739 | ​ | ​ | 62,327
Current period gross charge-offs | ​ | ​ | 86 | ​ | ​ | 141 | ​ | ​ | 272 | ​ | ​ | 2 | ​ | ​ | — | ​ | ​ | 17 | ​ | ​ | — | ​ | ​ | 518
Total Portfolio Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 111,153 | ​ | ​ | 300,707 | ​ | ​ | 188,784 | ​ | ​ | 136,802 | ​ | ​ | 104,610 | ​ | ​ | 317,146 | ​ | ​ | 136,997 | ​ | ​ | 1,296,199
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 6,501 | ​ | ​ | 2,047 | ​ | ​ | 8,548
Substandard | ​ | ​ | — | ​ | ​ | 8,979 | ​ | ​ | 4,309 | ​ | ​ | 7,117 | ​ | ​ | 2,131 | ​ | ​ | 19,600 | ​ | ​ | 3,155 | ​ | ​ | 45,291
Total Portfolio Loans | ​ | $ | 111,153 | ​ | $ | 309,686 | ​ | $ | 193,093 | ​ | $ | 143,919 | ​ | $ | 106,741 | ​ | $ | 343,247 | ​ | $ | 142,199 | ​ | $ | 1,350,038
Current YTD Period: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current period gross charge-offs | ​ | $ | 86 | ​ | $ | 141 | ​ | $ | 272 | ​ | $ | 168 | ​ | $ | — | ​ | $ | 128 | ​ | $ | — | ​ | $ | 795
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ ​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(in thousands) |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 and Prior |  | Revolving |  | Total Portfolio Loans
December 31, 2022 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non owner-occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 67,429 | ​ | $ | 31,710 | ​ | $ | 48,421 | ​ | $ | 41,221 | ​ | $ | 19,414 | ​ | $ | 42,069 | ​ | $ | 1,570 | ​ | $ | 251,834
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 6,289 | ​ | ​ | — | ​ | ​ | 6,289
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 11,935 | ​ | ​ | — | ​ | ​ | 11,935
Total non-owner occupied | ​ | ​ | 67,429 | ​ | ​ | 31,710 | ​ | ​ | 48,421 | ​ | ​ | 41,221 | ​ | ​ | 19,414 | ​ | ​ | 60,293 | ​ | ​ | 1,570 | ​ | ​ | 270,058
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
All other CRE | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 24,655 | ​ | ​ | 26,947 | ​ | ​ | 22,906 | ​ | ​ | 27,213 | ​ | ​ | 8,873 | ​ | ​ | 67,691 | ​ | ​ | 4,790 | ​ | ​ | 183,075
Special Mention | ​ | ​ | — | ​ | ​ | 1,111 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,111
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3,006 | ​ | ​ | — | ​ | ​ | 357 | ​ | ​ | 1,224 | ​ | ​ | 4,587
Total all other CRE | ​ | ​ | 24,655 | ​ | ​ | 28,058 | ​ | ​ | 22,906 | ​ | ​ | 30,219 | ​ | ​ | 8,873 | ​ | ​ | 68,048 | ​ | ​ | 6,014 | ​ | ​ | 188,773
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Acquisition and development: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
1-4 family residential construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 15,629 | ​ | ​ | 1,453 | ​ | ​ | 151 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 210 | ​ | ​ | 2,194 | ​ | ​ | 19,637
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total acquisition and development | ​ | ​ | 15,629 | ​ | ​ | 1,453 | ​ | ​ | 151 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 210 | ​ | ​ | 2,194 | ​ | ​ | 19,637
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 20 | ​ | ​ | — | ​ | ​ | 20
All other A&D | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 18,733 | ​ | ​ | 4,979 | ​ | ​ | 9,755 | ​ | ​ | 1,408 | ​ | ​ | 558 | ​ | ​ | 12,961 | ​ | ​ | 2,419 | ​ | ​ | 50,813
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 146 | ​ | ​ | — | ​ | ​ | 146
Total all other A&D | ​ | ​ | 18,733 | ​ | ​ | 4,979 | ​ | ​ | 9,755 | ​ | ​ | 1,408 | ​ | ​ | 558 | ​ | ​ | 13,107 | ​ | ​ | 2,419 | ​ | ​ | 50,959
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Commercial and industrial: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 83,608 | ​ | ​ | 30,451 | ​ | ​ | 15,982 | ​ | ​ | 12,707 | ​ | ​ | 5,013 | ​ | ​ | 9,528 | ​ | ​ | 63,668 | ​ | ​ | 220,957
Special Mention | ​ | ​ | — | ​ | ​ | 2,555 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 338 | ​ | ​ | 2,134 | ​ | ​ | 5,027
Substandard | ​ | ​ | 8,923 | ​ | ​ | — | ​ | ​ | 7,167 | ​ | ​ | 173 | ​ | ​ | 634 | ​ | ​ | 311 | ​ | ​ | 2,204 | ​ | ​ | 19,412
Total commercial and industrial | ​ | ​ | 92,531 | ​ | ​ | 33,006 | ​ | ​ | 23,149 | ​ | ​ | 12,880 | ​ | ​ | 5,647 | ​ | ​ | 10,177 | ​ | ​ | 68,006 | ​ | ​ | 245,396
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | 97 | ​ | ​ | 34 | ​ | ​ | 3 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 134
Residential mortgage: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential mortgage - term | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 64,930 | ​ | ​ | 93,665 | ​ | ​ | 42,784 | ​ | ​ | 27,120 | ​ | ​ | 14,132 | ​ | ​ | 133,397 | ​ | ​ | 2,306 | ​ | ​ | 378,334
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 16 | ​ | ​ | 237 | ​ | ​ | 143 | ​ | ​ | 5,634 | ​ | ​ | 23 | ​ | ​ | 6,053
Total residential mortgage - term | ​ | ​ | 64,930 | ​ | ​ | 93,665 | ​ | ​ | 42,800 | ​ | ​ | 27,357 | ​ | ​ | 14,275 | ​ | ​ | 139,031 | ​ | ​ | 2,329 | ​ | ​ | 384,387
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 28 | ​ | ​ | — | ​ | ​ | 28
Residential mortgage - home equity | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 5,739 | ​ | ​ | 957 | ​ | ​ | 538 | ​ | ​ | 328 | ​ | ​ | 97 | ​ | ​ | 478 | ​ | ​ | 51,232 | ​ | ​ | 59,369
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 44 | ​ | ​ | — | ​ | ​ | 21 | ​ | ​ | 40 | ​ | ​ | 550 | ​ | ​ | 655
Total residential mortgage - home equity | ​ | ​ | 5,739 | ​ | ​ | 957 | ​ | ​ | 582 | ​ | ​ | 328 | ​ | ​ | 118 | ​ | ​ | 518 | ​ | ​ | 51,782 | ​ | ​ | 60,024
Current period gross charge-offs | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 12 | ​ | ​ | 6 | ​ | ​ | — | ​ | ​ | 18
Consumer: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 16,748 | ​ | ​ | 10,495 | ​ | ​ | 3,845 | ​ | ​ | 1,596 | ​ | ​ | 687 | ​ | ​ | 24,096 | ​ | ​ | 2,654 | ​ | ​ | 60,121
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | 92 | ​ | ​ | 27 | ​ | ​ | 9 | ​ | ​ | 7 | ​ | ​ | — | ​ | ​ | 4 | ​ | ​ | 139
Total consumer | ​ | ​ | 16,748 | ​ | ​ | 10,587 | ​ | ​ | 3,872 | ​ | ​ | 1,605 | ​ | ​ | 694 | ​ | ​ | 24,096 | ​ | ​ | 2,658 | ​ | ​ | 60,260
Current period gross charge-offs | ​ | ​ | 36 | ​ | ​ | 494 | ​ | ​ | 18 | ​ | ​ | 37 | ​ | ​ | 11 | ​ | ​ | 40 | ​ | ​ | — | ​ | ​ | 636
Total Portfolio Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | ​ | 297,471 | ​ | ​ | 200,657 | ​ | ​ | 144,382 | ​ | ​ | 111,593 | ​ | ​ | 48,774 | ​ | ​ | 290,430 | ​ | ​ | 130,833 | ​ | ​ | 1,224,140
Special Mention | ​ | ​ | — | ​ | ​ | 3,666 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 6,627 | ​ | ​ | 2,134 | ​ | ​ | 12,427
Substandard | ​ | ​ | 8,923 | ​ | ​ | 92 | ​ | ​ | 7,254 | ​ | ​ | 3,425 | ​ | ​ | 805 | ​ | ​ | 18,423 | ​ | ​ | 4,005 | ​ | ​ | 42,927
Total Portfolio Loans | ​ | $ | 306,394 | ​ | $ | 204,415 | ​ | $ | 151,636 | ​ | $ | 115,018 | ​ | $ | 49,579 | ​ | $ | 315,480 | ​ | $ | 136,972 | ​ | $ | 1,279,494
Current YTD Period: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Current period gross charge-offs | ​ | $ | 36 | ​ | $ | 591 | ​ | $ | 52 | ​ | $ | 40 | ​ | $ | 23 | ​ | $ | 94 | ​ | $ | — | ​ | $ | 836
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past. ​ ​ The following tables present loan balances by year of origination segregated by performing and non-performing loans for the periods presented: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(in thousands) |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 and Prior |  | Revolving |  | Total Portfolio Loans
June 30, 2023 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non owner-occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | $ | 19,702 | ​ | $ | 66,666 | ​ | $ | 31,131 | ​ | $ | 47,947 | ​ | $ | 40,130 | ​ | $ | 78,197 | ​ | $ | 807 | ​ | $ | 284,580
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total non-owner occupied | ​ | ​ | 19,702 | ​ | ​ | 66,666 | ​ | ​ | 31,131 | ​ | ​ | 47,947 | ​ | ​ | 40,130 | ​ | ​ | 78,197 | ​ | ​ | 807 | ​ | ​ | 284,580
All other CRE | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 16,648 | ​ | ​ | 28,223 | ​ | ​ | 26,774 | ​ | ​ | 21,675 | ​ | ​ | 26,905 | ​ | ​ | 72,388 | ​ | ​ | 6,292 | ​ | ​ | 198,905
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total all other CRE | ​ | ​ | 16,648 | ​ | ​ | 28,223 | ​ | ​ | 26,774 | ​ | ​ | 21,675 | ​ | ​ | 26,905 | ​ | ​ | 72,388 | ​ | ​ | 6,292 | ​ | ​ | 198,905
Acquisition and development: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
1-4 family residential construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 3,905 | ​ | ​ | 12,561 | ​ | ​ | 1,198 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 195 | ​ | ​ | 2,369 | ​ | ​ | 20,228
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total acquisition and development | ​ | ​ | 3,905 | ​ | ​ | 12,561 | ​ | ​ | 1,198 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 195 | ​ | ​ | 2,369 | ​ | ​ | 20,228
All other A&D | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 6,966 | ​ | ​ | 20,364 | ​ | ​ | 5,072 | ​ | ​ | 9,427 | ​ | ​ | 1,328 | ​ | ​ | 11,501 | ​ | ​ | 3,989 | ​ | ​ | 58,647
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 128 | ​ | ​ | — | ​ | ​ | 128
Total all other A&D | ​ | ​ | 6,966 | ​ | ​ | 20,364 | ​ | ​ | 5,072 | ​ | ​ | 9,427 | ​ | ​ | 1,328 | ​ | ​ | 11,629 | ​ | ​ | 3,989 | ​ | ​ | 58,775
Commercial and industrial: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 20,732 | ​ | ​ | 82,512 | ​ | ​ | 28,771 | ​ | ​ | 20,747 | ​ | ​ | 10,870 | ​ | ​ | 14,191 | ​ | ​ | 71,860 | ​ | ​ | 249,683
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total commercial and industrial | ​ | ​ | 20,732 | ​ | ​ | 82,512 | ​ | ​ | 28,771 | ​ | ​ | 20,747 | ​ | ​ | 10,870 | ​ | ​ | 14,191 | ​ | ​ | 71,860 | ​ | ​ | 249,683
Residential mortgage: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential mortgage - term | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 29,970 | ​ | ​ | 80,804 | ​ | ​ | 90,981 | ​ | ​ | 40,658 | ​ | ​ | 26,163 | ​ | ​ | 141,559 | ​ | ​ | 2,030 | ​ | ​ | 412,165
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 101 | ​ | ​ | 2,448 | ​ | ​ | 14 | ​ | ​ | 2,563
Total residential mortgage - term | ​ | ​ | 29,970 | ​ | ​ | 80,804 | ​ | ​ | 90,981 | ​ | ​ | 40,658 | ​ | ​ | 26,264 | ​ | ​ | 144,007 | ​ | ​ | 2,044 | ​ | ​ | 414,728
Residential mortgage - home equity | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 1,060 | ​ | ​ | 5,301 | ​ | ​ | 909 | ​ | ​ | 505 | ​ | ​ | 307 | ​ | ​ | 571 | ​ | ​ | 51,814 | ​ | ​ | 60,467
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 41 | ​ | ​ | — | ​ | ​ | 19 | ​ | ​ | 285 | ​ | ​ | 345
Total residential mortgage - home equity | ​ | ​ | 1,060 | ​ | ​ | 5,301 | ​ | ​ | 909 | ​ | ​ | 546 | ​ | ​ | 307 | ​ | ​ | 590 | ​ | ​ | 52,099 | ​ | ​ | 60,812
Consumer: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 12,170 | ​ | ​ | 13,255 | ​ | ​ | 8,234 | ​ | ​ | 2,919 | ​ | ​ | 937 | ​ | ​ | 21,981 | ​ | ​ | 2,735 | ​ | ​ | 62,231
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 23 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 69 | ​ | ​ | 4 | ​ | ​ | 96
Total consumer | ​ | ​ | 12,170 | ​ | ​ | 13,255 | ​ | ​ | 8,257 | ​ | ​ | 2,919 | ​ | ​ | 937 | ​ | ​ | 22,050 | ​ | ​ | 2,739 | ​ | ​ | 62,327
Total Portfolio Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 111,153 | ​ | ​ | 309,686 | ​ | ​ | 193,070 | ​ | ​ | 143,878 | ​ | ​ | 106,640 | ​ | ​ | 340,583 | ​ | ​ | 141,896 | ​ | ​ | 1,346,906
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 23 | ​ | ​ | 41 | ​ | ​ | 101 | ​ | ​ | 2,664 | ​ | ​ | 303 | ​ | ​ | 3,132
Total Portfolio Loans | ​ | $ | 111,153 | ​ | $ | 309,686 | ​ | $ | 193,093 | ​ | $ | 143,919 | ​ | $ | 106,741 | ​ | $ | 343,247 | ​ | $ | 142,199 | ​ | $ | 1,350,038
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
(in thousands) |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 and Prior |  | Revolving |  | Total Portfolio Loans
December 31, 2022 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Non owner-occupied | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | $ | 67,429 | ​ | $ | 31,710 | ​ | $ | 48,421 | ​ | $ | 41,221 | ​ | $ | 19,414 | ​ | $ | 60,206 | ​ | $ | 1,570 | ​ | $ | 269,971
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 87 | ​ | ​ | — | ​ | ​ | 87
Total non-owner occupied | ​ | ​ | 67,429 | ​ | ​ | 31,710 | ​ | ​ | 48,421 | ​ | ​ | 41,221 | ​ | ​ | 19,414 | ​ | ​ | 60,293 | ​ | ​ | 1,570 | ​ | ​ | 270,058
All other CRE | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 24,655 | ​ | ​ | 28,058 | ​ | ​ | 22,906 | ​ | ​ | 30,219 | ​ | ​ | 8,873 | ​ | ​ | 67,990 | ​ | ​ | 6,014 | ​ | ​ | 188,715
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 58 | ​ | ​ | — | ​ | ​ | 58
Total all other CRE | ​ | ​ | 24,655 | ​ | ​ | 28,058 | ​ | ​ | 22,906 | ​ | ​ | 30,219 | ​ | ​ | 8,873 | ​ | ​ | 68,048 | ​ | ​ | 6,014 | ​ | ​ | 188,773
Acquisition and development: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
1-4 family residential construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 15,629 | ​ | ​ | 1,453 | ​ | ​ | 151 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 210 | ​ | ​ | 2,194 | ​ | ​ | 19,637
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total acquisition and development | ​ | ​ | 15,629 | ​ | ​ | 1,453 | ​ | ​ | 151 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 210 | ​ | ​ | 2,194 | ​ | ​ | 19,637
All other A&D | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 18,733 | ​ | ​ | 4,979 | ​ | ​ | 9,755 | ​ | ​ | 1,408 | ​ | ​ | 558 | ​ | ​ | 12,962 | ​ | ​ | 2,419 | ​ | ​ | 50,814
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 145 | ​ | ​ | — | ​ | ​ | 145
Total all other A&D | ​ | ​ | 18,733 | ​ | ​ | 4,979 | ​ | ​ | 9,755 | ​ | ​ | 1,408 | ​ | ​ | 558 | ​ | ​ | 13,107 | ​ | ​ | 2,419 | ​ | ​ | 50,959
Commercial and industrial: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 92,531 | ​ | ​ | 33,006 | ​ | ​ | 23,149 | ​ | ​ | 12,880 | ​ | ​ | 5,647 | ​ | ​ | 10,177 | ​ | ​ | 68,006 | ​ | ​ | 245,396
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total commercial and industrial | ​ | ​ | 92,531 | ​ | ​ | 33,006 | ​ | ​ | 23,149 | ​ | ​ | 12,880 | ​ | ​ | 5,647 | ​ | ​ | 10,177 | ​ | ​ | 68,006 | ​ | ​ | 245,396
Residential mortgage: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential mortgage - term | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 64,930 | ​ | ​ | 93,665 | ​ | ​ | 42,800 | ​ | ​ | 27,120 | ​ | ​ | 14,198 | ​ | ​ | 136,228 | ​ | ​ | 2,313 | ​ | ​ | 381,254
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 237 | ​ | ​ | 77 | ​ | ​ | 2,803 | ​ | ​ | 16 | ​ | ​ | 3,133
Total residential mortgage - term | ​ | ​ | 64,930 | ​ | ​ | 93,665 | ​ | ​ | 42,800 | ​ | ​ | 27,357 | ​ | ​ | 14,275 | ​ | ​ | 139,031 | ​ | ​ | 2,329 | ​ | ​ | 384,387
Residential mortgage - home equity | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 5,739 | ​ | ​ | 957 | ​ | ​ | 538 | ​ | ​ | 328 | ​ | ​ | 115 | ​ | ​ | 478 | ​ | ​ | 51,515 | ​ | ​ | 59,670
Nonperforming | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 44 | ​ | ​ | — | ​ | ​ | 3 | ​ | ​ | 40 | ​ | ​ | 267 | ​ | ​ | 354
Total residential mortgage - home equity | ​ | ​ | 5,739 | ​ | ​ | 957 | ​ | ​ | 582 | ​ | ​ | 328 | ​ | ​ | 118 | ​ | ​ | 518 | ​ | ​ | 51,782 | ​ | ​ | 60,024
Consumer: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 16,748 | ​ | ​ | 10,581 | ​ | ​ | 3,872 | ​ | ​ | 1,605 | ​ | ​ | 694 | ​ | ​ | 24,077 | ​ | ​ | 2,658 | ​ | ​ | 60,235
Nonperforming | ​ | ​ | — | ​ | ​ | 6 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 19 | ​ | ​ | — | ​ | ​ | 25
Total consumer | ​ | ​ | 16,748 | ​ | ​ | 10,587 | ​ | ​ | 3,872 | ​ | ​ | 1,605 | ​ | ​ | 694 | ​ | ​ | 24,096 | ​ | ​ | 2,658 | ​ | ​ | 60,260
Total Portfolio Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | ​ | 306,394 | ​ | ​ | 204,409 | ​ | ​ | 151,592 | ​ | ​ | 114,781 | ​ | ​ | 49,499 | ​ | ​ | 312,328 | ​ | ​ | 136,689 | ​ | ​ | 1,275,692
Nonperforming | ​ | ​ | — | ​ | ​ | 6 | ​ | ​ | 44 | ​ | ​ | 237 | ​ | ​ | 80 | ​ | ​ | 3,152 | ​ | ​ | 283 | ​ | ​ | 3,802
Total Portfolio Loans | ​ | $ | 306,394 | ​ | $ | 204,415 | ​ | $ | 151,636 | ​ | $ | 115,018 | ​ | $ | 49,579 | ​ | $ | 315,480 | ​ | $ | 136,972 | ​ | $ | 1,279,494
​ ​

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- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Publisher FASB -URI https://asc.fasb.org//310-10/tableOfContent + Details
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