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Loans and Allowance for Credit Losses on Loans (Tables)

9 Months Ended

Sep. 30, 2025

Receivables [Abstract]

Schedule of composition of loans

The composition of loans at September 30, 2025 and December 31, 2024 was as follows:

		September 30,				December 31,
		2025				2024
		(in thousands)
Mortgage real estate loans:
Construction & Secured by Farmland		$	84,467			$	95,200
HELOCs			54,549				50,646
Residential First Lien - Investor			103,942				105,910
Residential First Lien - Owner Occupied			178,725				194,065
Residential Junior Liens			10,497				11,184
Commercial - Owner Occupied			290,931				272,236
Commercial - Non-Owner Occupied & Multifamily			398,076				367,680
Commercial and industrial loans:
SBA PPP loans			10				28
Other commercial and industrial loans			103,414				110,315
Marine loans			185,938				210,095
Consumer loans			29,422				31,017
Overdrafts			297				309
Other loans			13,895				11,911
Total loans		$	1,454,163			$	1,460,596
Net deferred loan costs and premiums			5,765				6,453
Allowance for credit losses			(14,810	)			(15,027	)
		$	1,445,118			$	1,452,022

Schedule of changes in allowance for loan losses

Changes in the allowance for credit losses on loans for the three and nine months ended September 30, 2025 and 2024 and year-ended December 31, 2024 were as follows:

		Three Months Ended								Year Ended				Nine Months Ended
		September 30,								December 31,				September 30,
		2025				2024				2024				2025				2024
		(in thousands)
Balance, beginning		$	15,979			$	15,014			$	14,493			$	15,027			$	14,493
Provision for credit losses			1,131				1,526				2,525				3,133				2,315
Recoveries added to the allowance			117				145				853				478				754
Credit losses charged to the allowance			(2,417	)			(1,382	)			(2,844	)			(3,828	)			(2,259	)
Balance, ending		$	14,810			$	15,303			$	15,027			$	14,810			$	15,303

Schedule of nonaccrual And past due loans by class

Past due loans by class at September 30, 2025 and December 31, 2024 were as follows:

		September 30, 2025
		(in thousands)
		30 - 59 Days Past Due				60 - 89 Days Past Due				90 or More Days Past Due				Total Past Due				Current				Total Loans				90 or More Days Past Due Still Accruing
Mortgage real estate loans:
Construction & Secured by Farmland		$	—			$	—			$	428			$	428			$	84,039			$	84,467			$	—
HELOCs			222				160				—				382				54,167				54,549				—
Residential First Lien - Investor			491				—				98				589				103,353				103,942				—
Residential First Lien - Owner Occupied			1,374				—				25				1,399				177,326				178,725				—
Residential Junior Liens			87				261				—				348				10,149				10,497				—
Commercial - Owner Occupied			—				—				5,096				5,096				285,835				290,931				—
Commercial - Non-Owner Occupied & Multifamily			—				—				5,455				5,455				392,621				398,076				—
Commercial and industrial loans:
SBA PPP loans			—				—				—				—				10				10				—
Other commercial and industrial loans			53				6				1,085				1,144				102,270				103,414				35
Marine loans			—				327				—				327				185,611				185,938				—
Consumer loans			588				165				140				893				28,529				29,422				56
Overdrafts			—				—				—				—				297				297				—
Other loans			—				—				—				—				13,895				13,895				—
Total		$	2,815			$	919			$	12,327			$	16,061			$	1,438,102			$	1,454,163			$	91

		December 31, 2024
		(in thousands)
		30 - 59 Days Past Due				60 - 89 Days Past Due				90 or More Days Past Due				Total Past Due				Current				Total Loans				90 or More Past Due Still Accruing
Mortgage real estate loans:
Construction & Secured by Farmland		$	—			$	—			$	—			$	—			$	95,200			$	95,200			$	—
HELOCs			21				—				—				21				50,625				50,646				—
Residential First Lien - Investor			—				98				—				98				105,812				105,910				—
Residential First Lien - Owner Occupied			—				28				247				275				193,790				194,065				—
Residential Junior Liens			13				—				—				13				11,171				11,184				—
Commercial - Owner Occupied			2,212				—				—				2,212				270,024				272,236				—
Commercial - Non-Owner Occupied & Multifamily			—				—				—				—				367,680				367,680				—
Commercial and industrial loans:
SBA PPP loans			—				—				—				—				28				28				—
Other commercial and industrial loans			922				84				80				1,086				109,229				110,315				—
Marine loans			—				—				—				—				210,095				210,095				—
Consumer loans			673				6				138				817				30,200				31,017				—
Overdrafts			—				—				—				—				309				309				—
Other loans			—				—				—				—				11,911				11,911				—
Total		$	3,841			$	216			$	465			$	4,522			$	1,456,074			$	1,460,596			$	—

Nonaccrual loans by class at September 30, 2025 and December 31, 2024 were as follows:

		September 30, 2025												December 31, 2024
		(in thousands)												(in thousands)
		Nonaccruals with No Allowance for Credit Losses				Nonaccrual with an Allowance for Credit Losses				Nonaccrual Loans				Nonaccruals with No Allowance for Credit Losses				Nonaccrual with an Allowance for Credit Losses				Nonaccrual Loans
Mortgage real estate loans:
Construction & Secured by Farmland		$	428			$	—			$	428			$	—			$	—			$	—
HELOCs			—				—				—				—				—				—
Residential First Lien - Investor			98				—				98				—				—				—
Residential First Lien - Owner Occupied			508				—				508				347				—				347
Residential Junior Liens			—				—				—				—				—				—
Commercial - Owner Occupied			3,253				1,844				5,097				739				—				739
Commercial - Non-Owner Occupied & Multifamily			5,455				—				5,455				—				—				—
Commercial and industrial loans:
SBA PPP loans			—				—				—				—				—				—
Other commercial and industrial loans			1,020				478				1,498				—				903				903
Marine loans			—				—				—				—				—				—
Consumer loans			83				—				83				83				—				83
Overdrafts			—				—				—				—				—				—
Other loans			—				—				—				—				—				—
Total		$	10,845			$	2,322			$	13,167			$	1,169			$	903			$	2,072

Allowance For Loan Losses By Segment

The allowance for credit losses on loans by segment at September 30, 2025 and December 31, 2024 was as follows:

		As of and For the Nine Months Ended
		September 30, 2025
		(in thousands)
		Construction and Farmland				Residential Real Estate				Commercial Real Estate & MultiFamily				Commercial				Marine				Consumer				All Other Loans				Unallocated				Total
Allowance for credit losses:
Beginning Balance		$	2,387			$	2,318			$	7,251			$	1,433			$	1,279			$	238			$	121			$	—			$	15,027
Charge-Offs			—				(30	)			(2,631	)			(353	)			(581	)			(127	)			(106	)			—				(3,828	)
Recoveries			4				296				—				110				—				34				34				—				478
Provision			(618	)			(329	)			3,452				(70	)			291				96				311				—				3,133
Ending balance		$	1,773			$	2,255			$	8,072			$	1,120			$	989			$	241			$	360			$	—			$	14,810
Ending balance: Individually evaluated for impairment		$	—			$	—			$	49			$	284			$	—			$	—			$	—			$	—			$	333
Ending balance: Collectively evaluated for impairment		$	1,773			$	2,255			$	8,023			$	836			$	989			$	241			$	360			$	—			$	14,477
Loans:
Ending balance		$	84,467			$	347,713			$	689,007			$	103,424			$	185,938			$	29,422			$	14,192			$	—			$	1,454,163
Ending balance: Individually evaluated for impairment		$	428			$	581			$	10,552			$	1,449			$	—			$	83			$	—			$	—			$	13,093
Ending balance: Collectively evaluated for impairment		$	84,039			$	347,132			$	678,455			$	101,975			$	185,938			$	29,339			$	14,192			$	—			$	1,441,070

		As of and For the Year Ended
		December 31, 2024
		(in thousands)
		Construction and Farmland				Residential Real Estate				Commercial Real Estate & MultiFamily				Commercial				Marine				Consumer				All Other Loans				Unallocated				Total
Allowance for credit losses:
Beginning Balance		$	772			$	4,725			$	6,224			$	1,027			$	1,153			$	198			$	394			$	—			$	14,493
Charge-Offs			(94	)			(277	)			(7	)			(238	)			(1,778	)			(309	)			(141	)			—				(2,844	)
Recoveries			102				347				162				67				—				150				25				—				853
Provision			1,607				(2,477	)			872				577				1,904				199				(157	)			—				2,525
Ending balance		$	2,387			$	2,318			$	7,251			$	1,433			$	1,279			$	238			$	121			$	—			$	15,027
Ending balance: Individually evaluated for impairment		$	—			$	—			$	—			$	248			$	—			$	—			$	—			$	—			$	248
Ending balance: Collectively evaluated for impairment		$	2,387			$	2,318			$	7,251			$	1,185			$	1,279			$	238			$	121			$	—			$	14,779
Loans:
Ending balance		$	95,200			$	361,805			$	639,916			$	110,343			$	210,095			$	31,017			$	12,220			$	—			$	1,460,596
Ending balance: Individually evaluated for impairment		$	—			$	318			$	739			$	908			$	—			$	83			$	—			$	—			$	2,048
Ending balance: Collectively evaluated for impairment		$	95,200			$	361,487			$	639,177			$	109,435			$	210,095			$	30,934			$	12,220			$	—			$	1,458,548

Schedule of amortized cost basis of collateral-dependent loans

The following table presents the amortized cost basis of collateral-dependent loans by loan portfolio segment:

		September 30, 2025												December 31, 2024
		(in thousands)												(in thousands)
(in thousands)		Real Estate Collateral				Other Collateral				Total				Real Estate Collateral				Other Collateral				Total
Mortgage real estate loans:
Construction & Secured by Farmland		$	428			$	—			$	428			$	—			$	—			$	—
HELOCs			—				—				—				—				—				—
Residential First Lien - Investor			98				—				98				—				—				—
Residential First Lien - Owner Occupied			483				—				483				318				—				318
Residential Junior Liens			—				—				—				—				—				—
Commercial - Owner Occupied			5,097				—				5,097				739				—				739
Commercial - Non-Owner Occupied & Multifamily			5,455				—				5,455				—				—				—
Commercial and industrial loans:
SBA PPP loans			—				—				—				—				—				—
Other commercial and industrial loans			—				1,449				1,449				—				908				908
Marine loans			—				—				—				—				—				—
Consumer loans			83				—				83				83				—				83
Overdrafts			—				—				—				—				—				—
Other loans			—				—				—				—				—				—
		$	11,644			$	1,449			$	13,093			$	1,140			$	908			$	2,048

Schedule of credit quality information by class

Credit quality information by class at September 30, 2025 and gross charge-offs by year of origination for the nine months ended September 30, 2025 was as follows:

September 30, 2025
		Term Loans Amortized Cost Basis by Origination Year
(in thousands)		2025				2024				2023				2022				2021				Prior				Revolving Loans Amortized Cost Basis				Revolving Loans Converted to Term				Total
Mortgage real estate loans:
Construction & Secured by Farmland
Pass		$	12,704			$	37,841			$	8,704			$	9,849			$	3,663			$	6,915			$	1,874			$	—			$	81,550
Special Mention			1,806				658				—				—				—				—				—				—				2,464
Classified			—				—				428				—				—				25				—				—				453
Total		$	14,510			$	38,499			$	9,132			$	9,849			$	3,663			$	6,940			$	1,874			$	—			$	84,467
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
HELOCs
Pass		$	—			$	—			$	—			$	—			$	—			$	—			$	54,509			$	—			$	54,509
Special Mention			—				—				—				—				—				—				40				—				40
Classified			—				—				—				—				—				—				—				—				—
Total		$	—			$	—			$	—			$	—			$	—			$	—			$	54,549			$	—			$	54,549
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	30			$	—			$	30
Residential First Lien - Investor
Pass		$	13,169			$	6,504			$	10,598			$	16,550			$	24,742			$	26,258			$	—			$	1,137			$	98,958
Special Mention			—				—				688				—				2,660				564				—				—				3,912
Classified			—				974				—				98				—				—				—				—				1,072
Total		$	13,169			$	7,478			$	11,286			$	16,648			$	27,402			$	26,822			$	—			$	1,137			$	103,942
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Residential First Lien - Owner Occupied
Pass		$	11,994			$	16,777			$	48,609			$	29,274			$	21,601			$	46,610			$	—			$	273			$	175,138
Special Mention			—				41				—				—				—				2,784				—				—				2,825
Classified			—				—				—				—				—				762				—				—				762
Total		$	11,994			$	16,818			$	48,609			$	29,274			$	21,601			$	50,156			$	—			$	273			$	178,725
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Residential Junior Liens
Pass		$	1,187			$	637			$	1,647			$	1,900			$	2,613			$	2,129			$	—			$	165			$	10,278
Special Mention			—				—				154				—				—				65				—				—				219
Classified			—				—				—				—				—				—				—				—				—
Total		$	1,187			$	637			$	1,801			$	1,900			$	2,613			$	2,194			$	—			$	165			$	10,497
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial - Owner Occupied
Pass		$	22,306			$	26,207			$	46,958			$	71,948			$	26,544			$	63,116			$	2,766			$	2,764			$	262,609
Special Mention			—				—				926				3,357				5,930				13,013				—				—				23,226
Classified			—				1,843				1,042				—				2,211				—				—				—				5,096

Total		$	22,306			$	28,050			$	48,926			$	75,305			$	34,685			$	76,129			$	2,766			$	2,764			$	290,931
Current period gross charge-offs		$	—			$	468			$	—			$	—			$	8			$	—			$	—			$	—			$	476
Commercial - Non-Owner Occupied & Multifamily
Pass		$	52,874			$	26,600			$	56,421			$	79,052			$	49,944			$	102,116			$	7,659			$	4,938			$	379,604
Special Mention			—				272				—				4,185				3,753				4,807				—				—				13,017
Classified			—				—				—				1,132				4,323				—				—				—				5,455
Total		$	52,874			$	26,872			$	56,421			$	84,369			$	58,020			$	106,923			$	7,659			$	4,938			$	398,076
Current period gross charge-offs		$	—			$	—			$	—			$	1,441			$	714			$	—			$	—			$	—			$	2,155
Commercial and industrial loans:
SBA PPP loans
Pass		$	—			$	—			$	—			$	—			$	10			$	—			$	—			$	—			$	10
Special Mention			—				—				—				—				—				—				—				—				—
Classified			—				—				—				—				—				—				—				—				—
Total		$	—			$	—			$	—			$	—			$	10			$	—			$	—			$	—			$	10
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Other commercial and industrial loans
Pass		$	18,569			$	20,491			$	8,221			$	10,051			$	4,931			$	5,423			$	29,216			$	2,158			$	99,060
Special Mention			—				2,811				—				—				—				—				—				9				2,820
Classified			—				—				715				85				20				—				685				29				1,534
Total		$	18,569			$	23,302			$	8,936			$	10,136			$	4,951			$	5,423			$	29,901			$	2,196			$	103,414
Current period gross charge-offs		$	—			$	67			$	185			$	—			$	—			$	—			$	101			$	—			$	353
Marine loans
Pass		$	—			$	—			$	61,252			$	98,120			$	25,948			$	618			$	—			$	—			$	185,938
Special Mention			—				—				—				—				—				—				—				—				—
Classified			—				—				—				—				—				—				—				—				—
Total		$	—			$	—			$	61,252			$	98,120			$	25,948			$	618			$	—			$	—			$	185,938
Current period gross charge-offs		$	—			$	—			$	315			$	266			$	—			$	—			$	—			$	—			$	581
Consumer loans
Pass		$	1,685			$	1,899			$	1,304			$	9,995			$	4,945			$	7,620			$	1,878			$	—			$	29,326
Special Mention			—				—				—				—				—				—				—				—				—
Classified			—				—				—				—				83				—				13				—				96
Total		$	1,685			$	1,899			$	1,304			$	9,995			$	5,028			$	7,620			$	1,891			$	—			$	29,422
Current period gross charge-offs		$	—			$	6			$	30			$	2			$	6			$	8			$	75			$	—			$	127
Overdrafts
Pass		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Special Mention			—				—				—				—				—				—				—				—				—
Classified			297				—				—				—				—				—				—				—				297
Total		$	297			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	297
Current period gross charge-offs		$	106			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	106
Other loans
Pass		$	4,250			$	—			$	43			$	7,429			$	—			$	2,122			$	51			$	—			$	13,895
Special Mention			—				—				—				—				—				—				—				—				—

Classified			—				—				—				—				—				—				—				—				—
Total		$	4,250			$	—			$	43			$	7,429			$	—			$	2,122			$	51			$	—			$	13,895
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Total by Risk Category
Pass		$	138,738			$	136,956			$	243,757			$	334,168			$	164,941			$	262,927			$	97,953			$	11,435			$	1,390,875
Special Mention			1,806				3,782				1,768				7,542				12,343				21,233				40				9				48,523
Classified			297				2,817				2,185				1,315				6,637				787				698				29				14,765
Total		$	140,841			$	143,555			$	247,710			$	343,025			$	183,921			$	284,947			$	98,691			$	11,473			$	1,454,163
Total current period gross charge-offs		$	106			$	541			$	530			$	1,709			$	728			$	8			$	206			$	—			$	3,828

Credit quality information by class at December 31, 2024 and gross charge-offs by year of origination for the year ended December 31, 2024 was as follows:

December 31, 2024
		Term Loans Amortized Cost Basis by Origination Year
(in thousands)		2024				2023				2022				2021				2020				Prior				Revolving Loans Amortized Cost Basis				Revolving Loans Converted to Term				Total
Mortgage real estate loans:
Construction & Secured by Farmland
Pass		$	33,338			$	25,777			$	13,722			$	3,830			$	4,758			$	3,908			$	3,055			$	—			$	88,388
Special Mention			—				6,781				—				—				—				—				—				—				6,781
Classified			—				—				—				—				—				31				—				—				31
Total		$	33,338			$	32,558			$	13,722			$	3,830			$	4,758			$	3,939			$	3,055			$	—			$	95,200
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	94			$	—			$	—			$	94
HELOCs
Pass		$	—			$	—			$	—			$	—			$	—			$	—			$	50,454			$	—			$	50,454
Special Mention			—				—				—				—				—				—				192				—				192
Classified			—				—				—				—				—				—				—				—				—
Total		$	—			$	—			$	—			$	—			$	—			$	—			$	50,646			$	—			$	50,646
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	14			$	—			$	14
Residential First Lien - Investor
Pass		$	7,567			$	15,074			$	18,816			$	27,722			$	10,729			$	21,201			$	—			$	559			$	101,668
Special Mention			—				696				370				1,053				—				295				—				—				2,414
Classified			—				—				—				—				—				—				—				1,828				1,828
Total		$	7,567			$	15,770			$	19,186			$	28,775			$	10,729			$	21,496			$	—			$	2,387			$	105,910
Current period gross charge-offs		$	—			$	—			$	—			$	150			$	—			$	—			$	—			$	—			$	150
Residential First Lien - Owner Occupied
Pass		$	25,982			$	57,230			$	33,257			$	22,387			$	33,514			$	19,438			$	—			$	387			$	192,195
Special Mention			45				623				—				—				—				592				—				—				1,260
Classified			—				—				—				—				—				610				—				—				610
Total		$	26,027			$	57,853			$	33,257			$	22,387			$	33,514			$	20,640			$	—			$	387			$	194,065
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	103			$	—			$	—			$	103
Residential Junior Liens
Pass		$	991			$	2,191			$	2,484			$	2,942			$	555			$	1,762			$	—			$	175			$	11,100
Special Mention			—				—				—				—				70				—				—				—				70
Classified			—				—				—				—				—				—				—				14				14

Total		$	991			$	2,191			$	2,484			$	2,942			$	625			$	1,762			$	—			$	189			$	11,184
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	10			$	—			$	—			$	10
Commercial - Owner Occupied
Pass		$	29,892			$	32,228			$	75,213			$	36,558			$	21,827			$	45,648			$	2,623			$	2,856			$	246,845
Special Mention			—				364				3,995				5,523				—				14,770				—				—				24,652
Classified			—				—				—				739				—				—				—				—				739
Total		$	29,892			$	32,592			$	79,208			$	42,820			$	21,827			$	60,418			$	2,623			$	2,856			$	272,236
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	7			$	—			$	—			$	7
Commercial - Non-Owner Occupied & Multifamily
Pass		$	28,275			$	43,596			$	106,921			$	55,945			$	65,561			$	44,949			$	5,397			$	5,834			$	356,478
Special Mention			—				—				1,384				7,584				1,446				788				—				—				11,202
Classified			—				—				—				—				—				—				—				—				—
Total		$	28,275			$	43,596			$	108,305			$	63,529			$	67,007			$	45,737			$	5,397			$	5,834			$	367,680
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial and industrial loans:
SBA PPP loans
Pass		$	—			$	—			$	—			$	28			$	—			$	—			$	—			$	—			$	28
Special Mention			—				—				—				—				—				—				—				—				—
Classified			—				—				—				—				—				—				—				—				—
Total		$	—			$	—			$	—			$	28			$	—			$	—			$	—			$	—			$	28
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Other commercial and industrial loans
Pass		$	28,978			$	8,605			$	17,187			$	4,512			$	3,324			$	3,614			$	37,618			$	2,064			$	105,902
Special Mention			411				1,095				—				1,915				—				3				—				86				3,510
Classified			—				903				—				—				—				—				—				—				903
Total		$	29,389			$	10,603			$	17,187			$	6,427			$	3,324			$	3,617			$	37,618			$	2,150			$	110,315
Current period gross charge-offs		$	—			$	32			$	8			$	—			$	63			$	—			$	135			$	—			$	238
Marine loans
Pass		$	—			$	68,970			$	110,481			$	30,011			$	633			$	—			$	—			$	—			$	210,095
Special Mention			—				—				—				—				—				—				—				—				—
Classified			—				—				—				—				—				—				—				—				—
Total		$	—			$	68,970			$	110,481			$	30,011			$	633			$	—			$	—			$	—			$	210,095
Current period gross charge-offs		$	—			$	1,371			$	199			$	208			$	—			$	—			$	—			$	—			$	1,778

Consumer loans
Pass		$	2,700			$	1,987			$	10,787			$	5,274			$	7,221			$	1,117			$	1,834			$	13			$	30,933
Special Mention			—				—				—				—				—				—				—				—				—
Classified			—				—				—				84				—				—				—				—				84
Total		$	2,700			$	1,987			$	10,787			$	5,358			$	7,221			$	1,117			$	1,834			$	13			$	31,017
Current period gross charge-offs		$	—			$	13			$	4			$	47			$	167			$	—			$	78			$	—			$	309
Overdrafts
Pass		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Special Mention			—				—				—				—				—				—				—				—				—
Classified			309				—				—				—				—				—				—				—				309
Total		$	309			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	309
Current period gross charge-offs		$	141			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	141
Other loans
Pass		$	—			$	54			$	9,500			$	—			$	—			$	2,281			$	76			$	—			$	11,911
Special Mention			—				—				—				—				—				—				—				—				—
Classified			—				—				—				—				—				—				—				—				—
Total		$	—			$	54			$	9,500			$	—			$	—			$	2,281			$	76			$	—			$	11,911
Current period gross charge-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Total by Risk Category
Pass		$	157,723			$	255,712			$	398,368			$	189,209			$	148,122			$	143,918			$	101,057			$	11,888			$	1,405,997
Special Mention			456				9,559				5,749				16,075				1,516				16,448				192				86				50,081
Classified			309				903				—				823				—				641				—				1,842				4,518
Total		$	158,488			$	266,174			$	404,117			$	206,107			$	149,638			$	161,007			$	101,249			$	13,816			$	1,460,596
Total current period gross charge-offs		$	141			$	1,416			$	211			$	405			$	230			$	214			$	227			$	—			$	2,844

Schedule of Troubled Debt Restructurings on Financing Receivables

There were no loan modifications to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2024.

		Three Months Ended September 30,												For the Nine Months Ended September 30,
		2025												2025
		(dollars in thousands)
		Collateral Dependent Foreclosure				Total				% of Total Class of Loans				Collateral Dependent Foreclosure				Total				% of Total Class of Loans
Mortgage real estate loans:
Commercial - Non-Owner Occupied & Multifamily		$	5,455			$	5,455				1.37	%		$	5,455			$	5,455				1.37	%
Total		$	5,455			$	5,455							$	5,455			$	5,455

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