Loan Portfolio Summarized by the Past Due Status


(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, 2025
Commercial real estate:
Non-owner-occupied	$	318,098	$	103	$	—	$	—	$	103	$	—	$	318,201
All other CRE		231,922		516		—		—		516		78		232,516
Acquisition and development:
1-4 family residential construction		19,791		—		—		—		—		—		19,791
All other A&D		79,119		—		—		—		—		27		79,146
Commercial and industrial		279,540		81		25		—		106		1,838		281,484
Residential mortgage:
Residential mortgage - term		452,121		62		1,518		182		1,762		1,819		455,702
Residential mortgage - home equity		65,168		483		271		306		1,060		38		66,266
Consumer		48,921		262		133		47		442		12		49,375
Total	$	1,494,680	$	1,507	$	1,947	$	535	$	3,989	$	3,812	$	1,502,481
December 31, 2024
Commercial real estate:
Non-owner-occupied	$	296,259	$	—	$	—	$	—	$	—	$	—	$	296,259
All other CRE		228,875		257		—		317		574		656		230,105
Acquisition and development:
1-4 family residential construction		16,630		—		—		—		—		—		16,630
All other A&D		78,588		—		14		—		14		82		78,684
Commercial and industrial		285,675		—		21		—		21		1,838		287,534
Residential mortgage:
Residential mortgage - term		447,161		66		2,411		504		2,981		2,100		452,242
Residential mortgage - home equity		65,824		371		228		69		668		81		66,573
Consumer		52,117		364		83		28		475		174		52,766
Total	$	1,471,129	$	1,058	$	2,757	$	918	$	4,733	$	4,931	$	1,480,793

Schedule of amortized cost basis of collateral-dependent individually evaluated loans


	June 30, 2025
(in thousands)	Real Estate			Other Collateral	Non-Accrual Loans with No Allowance
Commercial and industrial	$	—	$	1,838	$	1,838
Residential mortgage		1,454		—		1,454
Total Loans	$	1,454	$	1,838	$	3,292


	December 31, 2024
(in thousands)	Real Estate			Other Collateral	Non-Accrual Loans with No Allowance
Commercial real estate	$	574	$	—	$	574
Commercial and industrial		—		2,048		2,048
Residential mortgage		1,810		—		1,810
Total Loans	$	2,384	$	2,048	$	4,432

Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating


(in thousands)	2025		2024		2023		2022		2021		2020 and Prior		Revolving		Total Portfolio Loans
June 30, 2025
Commercial real estate:
Non-owner-occupied
Pass	$	21,725	$	24,236	$	35,894	$	75,278	$	28,318	$	126,999	$	2,433	$	314,883
Special Mention		—		—		—		—		—		680		—		680
Substandard		—		—		—		—		—		2,638		—		2,638
Total non-owner occupied		21,725		24,236		35,894		75,278		28,318		130,317		2,433		318,201
Current period gross charge-offs		—		—		—		—		—		—		—		—
All other CRE
Pass		8,695		45,622		32,075		27,755		22,127		84,014		4,631		224,919
Special Mention		—		—		—		—		877		716		—		1,593
Substandard		—		926		—		—		1,726		2,752		600		6,004
Total all other CRE		8,695		46,548		32,075		27,755		24,730		87,482		5,231		232,516
Current period gross charge-offs		—		—		—		—		—		—		—		—
Acquisition and development:
1-4 family residential construction
Pass		2,305		13,922		772		—		—		—		2,792		19,791
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Total acquisition and development		2,305		13,922		772		—		—		—		2,792		19,791
Current period gross charge-offs		—		—		—		—		—		—		—		—
All other A&D
Pass		8,130		24,381		11,878		6,472		1,677		10,005		16,388		78,931
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		27		188		215
Total all other A&D		8,130		24,381		11,878		6,472		1,677		10,032		16,576		79,146
Current period gross charge-offs		—		—		—		—		—		9		—		9
Commercial and industrial:
Pass		8,420		34,174		26,889		59,195		13,780		17,075		80,276		239,809
Special Mention		—		4,250		13,000		3,648		42		1,703		8,721		31,364
Substandard		24		112		—		1,192		673		6,526		1,784		10,311
Total commercial and industrial		8,444		38,536		39,889		64,035		14,495		25,304		90,781		281,484
Current period gross charge-offs		—		—		—		—		15		355		—		370
Residential mortgage:
Residential mortgage - term
Pass		14,679		36,812		69,078		90,624		74,375		160,865		1,118		447,551
Special Mention		—		—		—		672		784		494		—		1,950
Substandard		—		—		—		207		1,331		4,640		23		6,201
Total residential mortgage - term		14,679		36,812		69,078		91,503		76,490		165,999		1,141		455,702
Current period gross charge-offs		—		—		—		—		—		—		—		—
Residential mortgage - home equity
Pass		203		75		703		3,499		589		940		59,263		65,272
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		11		983		994
Total residential mortgage - home equity		203		75		703		3,499		589		951		60,246		66,266
Current period gross charge-offs		—		—		—		—		—		—		—		—
Consumer:
Pass		5,794		8,909		8,493		4,613		2,384		16,162		2,743		49,098
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		65		94		64		14		18		22		277
Total consumer		5,794		8,974		8,587		4,677		2,398		16,180		2,765		49,375
Current period gross charge-offs		99		40		142		10		86		22		—		399
Total Portfolio Loans
Pass		69,951		188,131		185,782		267,436		143,250		416,060		169,644		1,440,254
Special Mention		—		4,250		13,000		4,320		1,703		3,593		8,721		35,587
Substandard		24		1,103		94		1,463		3,744		16,612		3,600		26,640
Total Portfolio Loans	$	69,975	$	193,484	$	198,876	$	273,219	$	148,697	$	436,265	$	181,965	$	1,502,481
Current YTD Period:
Current period gross charge-offs	$	99	$	40	$	142	$	10	$	101	$	386	$	—	$	778


(in thousands)	2024		2023		2022		2021		2020		2019 and Prior		Revolving		Total Portfolio Loans
December 31, 2024
Commercial real estate:
Non-owner-occupied
Pass	$	22,807	$	23,454	$	73,649	$	28,941	$	52,080	$	89,977	$	1,960	$	292,868
Special Mention		—		—		—		—		706		—		—		706
Substandard		—		—		—		—		—		2,685		—		2,685
Total non-owner occupied		22,807		23,454		73,649		28,941		52,786		92,662		1,960		296,259
Current period gross charge-offs		—		—		—		—		—		—		—		—
All other CRE
Pass		42,855		32,599		29,951		24,073		16,842		72,630		4,535		223,485
Special Mention		—		—		—		—		199		—		—		199
Substandard		994		—		—		1,744		—		3,453		230		6,421
Total all other CRE		43,849		32,599		29,951		25,817		17,041		76,083		4,765		230,105
Current period gross charge-offs		—		—		—		—		—		—		—		—
Acquisition and development:
1-4 family residential construction
Pass		11,686		3,317		—		—		—		—		1,627		16,630
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—
Total acquisition and development		11,686		3,317		—		—		—		—		1,627		16,630
Current period gross charge-offs		—		—		—		—		—		—		—		—
All other A&D
Pass		23,304		24,114		10,672		1,848		1,773		9,230		7,661		78,602
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		82		—		82
Total all other A&D		23,304		24,114		10,672		1,848		1,773		9,312		7,661		78,684
Current period gross charge-offs		—		—		—		—		—		—		—		—
Commercial and industrial:
Pass		35,898		29,786		65,663		17,558		6,777		13,758		75,440		244,880
Special Mention		4,250		13,000		3,500		—		1,842		—		9,084		31,676
Substandard		122		—		1,209		680		6,562		692		1,713		10,978
Total commercial and industrial		40,270		42,786		70,372		18,238		15,181		14,450		86,237		287,534
Current period gross charge-offs		465		—		125		892		41		87		—		1,610
Residential mortgage:
Residential mortgage - term
Pass		32,582		70,643		91,775		78,892		35,790		133,725		1,235		444,642
Special Mention		—		—		684		840		—		—		—		1,524
Substandard		—		—		60		1,054		—		4,923		39		6,076
Total residential mortgage - term		32,582		70,643		92,519		80,786		35,790		138,648		1,274		452,242
Current period gross charge-offs		—		—		—		—		—		30		—		30
Residential mortgage - home equity
Pass		171		803		3,948		696		361		622		59,307		65,908
Special Mention		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		33		12		620		665
Total residential mortgage - home equity		171		803		3,948		696		394		634		59,927		66,573
Current period gross charge-offs		—		—		15		—		—		—		—		15
Consumer:
Pass		11,132		10,945		6,312		3,525		1,091		16,593		2,833		52,431
Special Mention		—		—		—		—		—		—		—		—
Substandard		3		177		100		24		25		4		2		335
Total consumer		11,135		11,122		6,412		3,549		1,116		16,597		2,835		52,766
Current period gross charge-offs		204		314		109		64		23		655		—		1,369
Total Portfolio Loans
Pass		180,435		195,661		281,970		155,533		114,714		336,535		154,598		1,419,446
Special Mention		4,250		13,000		4,184		840		2,747		—		9,084		34,105
Substandard		1,119		177		1,369		3,502		6,620		11,851		2,604		27,242
Total Portfolio Loans	$	185,804	$	208,838	$	287,523	$	159,875	$	124,081	$	348,386	$	166,286	$	1,480,793
Current YTD Period:
Current period gross charge-offs	$	669	$	314	$	249	$	956	$	64	$	772	$	—	$	3,024

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)	2025		2024		2023		2022		2021		2020 and Prior		Revolving		Total Portfolio Loans
June 30, 2025
Commercial real estate:
Non-owner-occupied
Performing	$	21,725	$	24,236	$	35,894	$	75,278	$	28,318	$	130,317	$	2,433	$	318,201
Nonperforming		—		—		—		—		—		—		—		—
Total non-owner occupied		21,725		24,236		35,894		75,278		28,318		130,317		2,433		318,201
All other CRE
Performing		8,695		46,548		32,075		27,755		24,730		87,404		5,231		232,438
Nonperforming		—		—		—		—		—		78		—		78
Total all other CRE		8,695		46,548		32,075		27,755		24,730		87,482		5,231		232,516
Acquisition and development:
1-4 family residential construction
Performing		2,305		13,922		772		—		—		—		2,792		19,791
Nonperforming		—		—		—		—		—		—		—		—
Total acquisition and development		2,305		13,922		772		—		—		—		2,792		19,791
All other A&D
Performing		8,130		24,381		11,878		6,472		1,677		10,005		16,576		79,119
Nonperforming		—		—		—		—		—		27		—		27
Total all other A&D		8,130		24,381		11,878		6,472		1,677		10,032		16,576		79,146
Commercial and industrial:
Performing		8,444		38,536		39,889		62,844		13,848		25,304		90,781		279,646
Nonperforming		—		—		—		1,191		647		—		—		1,838
Total commercial and industrial		8,444		38,536		39,889		64,035		14,495		25,304		90,781		281,484
Residential mortgage:
Residential mortgage - term
Performing		14,679		36,812		69,078		91,503		76,366		164,122		1,141		453,701
Nonperforming		—		—		—		—		124		1,877		—		2,001
Total residential mortgage - term		14,679		36,812		69,078		91,503		76,490		165,999		1,141		455,702
Residential mortgage - home equity
Performing		203		75		703		3,499		589		951		59,902		65,922
Nonperforming		—		—		—		—		—		—		344		344
Total residential mortgage - home equity		203		75		703		3,499		589		951		60,246		66,266
Consumer:
Performing		5,794		8,959		8,575		4,653		2,398		16,172		2,765		49,316
Nonperforming		—		15		12		24		—		8		—		59
Total consumer		5,794		8,974		8,587		4,677		2,398		16,180		2,765		49,375
Total Portfolio Loans
Performing		69,975		193,469		198,864		272,004		147,926		434,275		181,621		1,498,134
Nonperforming		—		15		12		1,215		771		1,990		344		4,347
Total Portfolio Loans	$	69,975	$	193,484	$	198,876	$	273,219	$	148,697	$	436,265	$	181,965	$	1,502,481


(in thousands)	2024		2023		2022		2021		2020		2019 and Prior		Revolving		Total Portfolio Loans
December 31, 2024
Commercial real estate:
Non-owner-occupied
Performing	$	22,807	$	23,454	$	73,649	$	28,941	$	52,786	$	92,662	$	1,960	$	296,259
Nonperforming		—		—		—		—		—		—		—		—
Total non-owner occupied		22,807		23,454		73,649		28,941		52,786		92,662		1,960		296,259
All other CRE
Performing		43,849		32,599		29,951		25,500		17,041		75,427		4,765		229,132
Nonperforming		—		—		—		317		—		656		—		973
Total all other CRE		43,849		32,599		29,951		25,817		17,041		76,083		4,765		230,105
Acquisition and development:
1-4 family residential construction
Performing		11,686		3,317		—		—		—		—		1,627		16,630
Nonperforming		—		—		—		—		—		—		—		—
Total acquisition and development		11,686		3,317		—		—		—		—		1,627		16,630
All other A&D
Performing		23,304		24,114		10,672		1,848		1,773		9,230		7,661		78,602
Nonperforming		—		—		—		—		—		82		—		82
Total all other A&D		23,304		24,114		10,672		1,848		1,773		9,312		7,661		78,684
Commercial and industrial:
Performing		40,270		42,786		69,180		17,592		15,181		14,450		86,237		285,696
Nonperforming		—		—		1,192		646		—		—		—		1,838
Total commercial and industrial		40,270		42,786		70,372		18,238		15,181		14,450		86,237		287,534
Residential mortgage:
Residential mortgage - term
Performing		32,582		70,643		92,519		80,661		35,790		136,184		1,259		449,638
Nonperforming		—		—		—		125		—		2,464		15		2,604
Total residential mortgage - term		32,582		70,643		92,519		80,786		35,790		138,648		1,274		452,242
Residential mortgage - home equity
Performing		171		803		3,948		696		361		634		59,810		66,423
Nonperforming		—		—		—		—		33		—		117		150
Total residential mortgage - home equity		171		803		3,948		696		394		634		59,927		66,573
Consumer:
Performing		11,135		11,008		6,378		3,549		1,116		16,543		2,835		52,564
Nonperforming		—		114		34		—		—		54		—		202
Total consumer		11,135		11,122		6,412		3,549		1,116		16,597		2,835		52,766
Total Portfolio Loans
Performing		185,804		208,724		286,297		158,787		124,048		345,130		166,154		1,474,944
Nonperforming		—		114		1,226		1,088		33		3,256		132		5,849
Total Portfolio Loans	$	185,804	$	208,838	$	287,523	$	159,875	$	124,081	$	348,386	$	166,286	$	1,480,793