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Loans | 12 Months Ended
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Dec. 31, 2024
Loans and Leases Receivable Disclosure [Abstract] |
Loans | NOTE 3. Loans The composition of loans at December 31, 2024 and 2023 was as follows:
|  | December 31, |
|  | 2024 |  |  | 2023 |
|  | (in thousands) |
Mortgage loans on real estate: |  |  |  |  |  |
Construction and & Secured by Farmland |  | $ | 95,200 |  |  | $ | 84,145 |
HELOCs |  |  | 50,646 |  |  |  | 47,674 |
Residential First Lien - Investor |  |  | 105,910 |  |  |  | 117,431 |
Residential First Lien - Owner Occupied |  |  | 194,065 |  |  |  | 178,180 |
Residential Junior Liens |  |  | 11,184 |  |  |  | 12,831 |
Commercial - Owner Occupied |  |  | 272,236 |  |  |  | 251,456 |
Commercial - Non-Owner Occupied & Multifamily |  |  | 367,680 |  |  |  | 348,879 |
Commercial and industrial loans: |  |  |  |  |  |
SBA PPP loans |  |  | 28 |  |  |  | 51 |
Other commercial and industrial loans |  |  | 110,315 |  |  |  | 107,777 |
Marine loans |  |  | 210,095 |  |  |  | 251,168 |
Consumer loans |  |  | 31,017 |  |  |  | 42,419 |
Overdrafts |  |  | 309 |  |  |  | 253 |
Other loans |  |  | 11,911 |  |  |  | 12,895 |
Total loans |  | $ | 1,460,596 |  |  | $ | 1,455,159 |
Net deferred loan costs and premiums |  |  | 6,453 |  |  |  | 7,527 |
Allowance for credit losses |  |  | (15,027 | ) |  |  | (14,493 | )
|  | $ | 1,452,022 |  |  | $ | 1,448,193 |
At December 31, 2024 and 2023, the Company was servicing loans totaling $20.9 million and $7.7 million, respectively for other financial institutions which are not included in the table above. Also excluded from the table above are net servicing assets of $326 thousand and $153 thousand at December 31, 2024 and 2023, respectively, which are recorded in other assets in the Consolidated Balance Sheets.

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