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Loans And Leases (Tables)

3 Months Ended

Mar. 31, 2025

Loans And Leases [Abstract]

Recorded Investment In Loans By Portfolio Segment

The following table presents the recorded investment in loans and leases by portfolio segment. The recorded investment in loans and leases includes the principal balance outstanding adjusted for purchase premiums and discounts, and deferred loan fees and costs.

	March 31, 2025					December 31, 2024
	(unaudited)
Commercial (1)	$		414,685			$		418,804
Real estate:
Single-family residential			441,595					465,517
Multi-family residential			143,337					150,434
Commercial			514,833					460,064
Construction			208,577					202,166
Consumer:
Home equity lines of credit			41,994					39,520
Other			2,921					2,988
Subtotal			1,767,942					1,739,493
Less: ACL – Loans			(17,803	)				(17,474	)
Loans and leases, net	$		1,750,139			$		1,722,019

(1)Includes $6,242 and $7,680 of commercial leases at March 31, 2025 and December 31, 2024, respectively.

Activity In ALLL By Portfolio Segment

The following tables present the activity in the ACL - Loans by portfolio segment for the three months ended March 31, 2025 and 2024 (unaudited).

		Three Months Ended March 31, 2025 (unaudited)
							Real Estate																					Consumer
		Commercial					Single- family					Multi- family					Commercial					Construction					Home equity lines of credit					Other					Total
Allowance for credit losses
Balances, January 1, 2025		$		7,005			$		2,787			$		1,382			$		3,918			$		1,741			$		371			$		270			$		17,474
Provision (reversal) for credit losses				831					(276	)				(171	)				(44	)				11					19					(18	)				352
Recoveries on loans				61					9					—					—					—					1					—					71
Loans charged off				(67	)				(27	)				—					—					—					—					—					(94	)
Balances, March 31, 2025		$		7,830			$		2,493			$		1,211			$		3,874			$		1,752			$		391			$		252			$		17,803

		Three Months Ended March 31, 2024 (unaudited)
							Real Estate																					Consumer
		Commercial					Single-family					Multi-family					Commercial					Construction					Home equity lines of credit					Other					Total
Allowance for credit losses
Balances, January 1, 2024		$		5,884			$		3,371			$		1,231			$		4,105			$		1,707			$		334			$		233			$		16,865
Provision (reversal) for credit losses				1,628					(48	)				(84	)				193					(428	)				(1	)				57					1,317
Recoveries on loans				6					8					—					—					—					2					—					16
Loans charged off				—					—					—					—					—					—					—					-
Balances, March 31, 2024		$		7,518			$		3,331			$		1,147			$		4,298			$		1,279			$		335			$		290			$		18,198

Schedule Of Collateral-Dependent Loans By Loan Segment

The tables below present the amortized cost basis of collateral dependent loans by loan class and their respective collateral types, which are individually evaluated to determine expected credit losses.

	March 31, 2025 (unaudited)
	Residential Real Estate					Other					Total					Allowance on Collateral Dependent Loans
Commercial	$		—			$		8,486			$		8,486			$		2,471
Real estate:
Single-family residential			84					—					84					—
Total	$		84			$		8,486			$		8,570			$		2,471

	December 31, 2024
	Residential Real Estate					Other					Total					Allowance on Collateral Dependent Loans
Commercial	$		—			$		8,486			$		8,486			$		1,397
Real estate:
Single-family residential			86					—					86					—
Total	$		86			$		8,486			$		8,572			$		1,397

Recorded Investment In Nonaccrual and Nonperforming Loans By Class Of Loans

The following table presents the recorded investment in nonaccrual loans by class of loans at March 31, 2025 (unaudited):

	Nonaccrual Loans					Nonaccrual Loans with no Allowance for Credit Losses
Commercial	$		13,291			$		628
Real estate:
Single-family residential			1,095					1,095
Consumer:
Home equity lines of credit			108					108
Total nonaccrual loans	$		14,494			$		1,831

The following table presents the recorded investment in nonaccrual loans by class of loans at December 31, 2024.

	Non-Accrual Loans					Non-Accrual Loans with no Allowance for Credit Losses
Commercial	$		12,876			$		135
Real estate:
Single-family residential			1,649					1,649
Consumer:
Home equity lines of credit			13					13
Total nonaccrual loans	$		14,538			$		1,797

Aging Of Recorded Investment In Past Due Loans By Class Of Loans

The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of March 31, 2025 (unaudited):

	30 - 59 Days Past Due					60 - 89 Days Past Due					90 Days or more Past Due					Total Past Due					Loans Not Past Due					Nonaccrual Loans Not 90 days or more Past Due
Commercial	$		42			$		173			$		8,652			$		8,867			$		405,818			$		4,708
Real estate:
Single-family residential			838					—					934					1,772					439,823					161
Multi-family residential			—					—					—					—					143,337					—
Commercial:
Non-owner occupied			—					—					—					—					272,096					—
Owner occupied			—					177					—					177					209,485					—
Land			—					—					—					—					33,075					—
Construction			—					—					—					—					208,577					—
Consumer:
Home equity lines of credit			510					—					96					606					41,388					12
Other			—					—					—					—					2,921					—
Total	$		1,390			$		350			$		9,682			$		11,422			$		1,756,520			$		4,881

The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 2024:

	30 - 59 Days Past Due					60 - 89 Days Past Due					90 Days or more Past Due					Total Past Due					Loans Not Past Due					Nonaccrual Loans Not 90 days or more Past Due
Commercial	$		3,231			$		202			$		5,948			$		9,381			$		409,423			$		7,256
Real estate:
Single-family residential			1,112					—					1,649					2,761					462,756					—
Multi-family residential			—					—					—					—					150,434					—
Commercial:
Non-owner occupied			—					—					—					—					229,831					—
Owner occupied			—					—					181					181					205,030					—
Land			—					—					—					—					25,022					—
Construction			—					—					—					—					202,166					—
Consumer:
Home equity lines of credit:
Originated for portfolio			—					—					—					—					—					—
Purchased for portfolio			—					109					—					109					39,411					13
Other			41					—					—					41					2,947					—
Total	$		4,384			$		311			$		7,778			$		12,473			$		1,727,020			$		7,269

Recorded Investment In Loans By Risk Category And Class Of Loans

The following table summarizes the risk grading of the Company’s loan portfolio by loan class and by year of origination for the years indicated as of March 31, 2025. Consumer and Single-family residential loans are not risk graded. For purposes of this disclosure, those loans are classified in the following manner: loans that are 89 days or less past due and accruing are “performing” loans and loans greater than 89 days past due or in nonaccrual are “nonperforming” loans.

	Term Loans (amortized cost basis by origination year)
(unaudited)	2025			2024			2023			2022			2021			Prior			Revolving loans amortized cost basis			Revolving loans converted to term			Total
Commercial
Pass	$	14,185		$	34,102		$	24,978		$	63,366		$	77,279		$	48,299		$	136,008		$	1,827		$	400,044
Special Mention		—			—			—			—			—			2,850			—			—			2,850
Substandard		—			—			—			7,079			4,277			—			50			—			11,406
Doubtful		—			—			—			385			—			—			—			—			385
Total Commercial		14,185			34,102			24,978			70,830			81,556			51,149			136,058			1,827			414,685
Gross charge-offs during the three    months ended March 31, 2025		—			—			—			—			67			—			—			—			67
Real estate loans:
Single-family residential
Payment performance
Performing		897			29,181			29,040			112,207			212,703			56,472			—			—			440,500
Nonperforming		—			—			—			371			161			563			—			—			1,095
Total Single-family residential    loans		897			29,181			29,040			112,578			212,864			57,035			—			—			441,595
Gross charge-offs during the three    months ended March 31, 2025		—			—			27			—			—			—			—			—			27
Multi-family residential
Pass		—			30,537			24,781			7,588			49,420			22,190			—			—			134,516
Special Mention																	8,821									8,821
Total Multi-family residential    loans		—			30,537			24,781			7,588			49,420			31,011			—			—			143,337
Commercial:
Non-owner occupied
Pass		30,897			9,283			48,805			43,852			72,493			63,432			—			—			268,762
Special Mention		—			—			—			—			—			2,829			—			—			2,829
Substandard		—			—			—			—			—			505			—			—			505
Total Non-owner occupied    loans		30,897			9,283			48,805			43,852			72,493			66,766			—			—			272,096
Owner occupied
Pass		251			18,306			42,002			58,816			46,099			42,927			—			—			208,401
Special Mention		—			—			—			—			—			582			—			—			582
Substandard		—			—			—			—			—			679			—			—			679
Total Owner occupied    loans		251			18,306			42,002			58,816			46,099			44,188			—			—			209,662
Land
Pass		6,742			18,132			3,194			—			5,007			—			—			—			33,075
Total Land loans		6,742			18,132			3,194			—			5,007			—			—			—			33,075
Construction
Not Rated		—			532			—			—			—			—			—			—			532
Pass		5,509			68,873			63,755			53,576			12,801			3,531			—			—			208,045
Total Construction loans		5,509			69,405			63,755			53,576			12,801			3,531			—			—			208,577
Total Real Estate loans		44,296			174,844			211,577			276,410			398,684			202,531			—			—			1,308,342
Consumer:
Home equity lines of credit:
Payment performance
Performing		—			—			—			—			—			—			40,986			900			41,886
Nonperforming		—			—			—			—			—			—			96			12			108
Total Home equity lines of   credit		—			—			—			—			—			—			41,082			912			41,994
Other
Payment performance																										—
Performing		—			484			—			—			—			172			2,265			—			2,921
Total Other consumer   loans		—			484			—			—			—			172			2,265			—			2,921
Total loans	$	58,481		$	209,430		$	236,555		$	347,240		$	480,240		$	253,852		$	179,405		$	2,739		$	1,767,942
Total gross charge-offs during the    three months ended March 31, 2025	$	—		$	—		$	27		$	—		$	67		$	—		$	—		$	—		$	94

The following table summarizes the risk grading of the Company’s loan portfolio by loan class and by year of origination for the years indicated as of December 31, 2024. Consumer and Single-family residential loans are not risk graded. For purposes of this disclosure, those loans are classified in the following manner: loans that are 89 days or less past due and accruing are “performing” loans.

	Term Loans (amortized cost basis by origination year)
	2024			2023			2022			2021			2020			Prior			Revolving loans amortized cost basis			Revolving loans converted to term			Total
Commercial
Pass	$	39,955		$	26,619		$	67,069		$	82,579		$	43,556		$	8,224		$	132,853		$	—		$	400,855
Special Mention		—			—			285			—			—			2,922			2,966			—			6,173
Substandard		—			—			7,085			4,256			—			—			50			—			11,391
Doubtful		—			—			385			—			—			—			—			—			385
Total Commercial		39,955			26,619			74,824			86,835			43,556			11,146			135,869			—			418,804
Gross charge-offs for the year    ended December 31, 2024		—			—			1,755			3,568			—			—			—			—			5,323
Real estate loans:
Single-family residential
Payment performance
Performing		29,278			33,749			121,984			215,330			42,272			21,255			—			—			463,868
Nonperforming		—			547			371			168			—			563			—			—			1,649
Total Single-family residential    loans		29,278			34,296			122,355			215,498			42,272			21,818			—			—			465,517
Multi-family residential
Pass		30,570			24,798			7,628			49,647			2,520			26,424			—			—			141,587
Special Mention														4,252			4,595									8,847
Total Multi-family residential    loans		30,570			24,798			7,628			49,647			6,772			31,019			—			—			150,434
Commercial:
Non-owner occupied
Pass		10,169			49,053			33,204			67,360			14,019			52,679			—			—			226,484
Special Mention		—			—			—			—			—			2,842			—			—			2,842
Substandard		—			—			—			—			—			505			—			—			505
Total Non-owner occupied    loans		10,169			49,053			33,204			67,360			14,019			56,026			—			—			229,831
Owner occupied
Pass		18,424			42,191			51,788			47,174			17,707			26,659			—			—			203,943
Special Mention		—			—			—			—			589			—			—			—			589
Substandard		—			—			—			—			—			679			—			—			679
Total Owner occupied    loans		18,424			42,191			51,788			47,174			18,296			27,338			—			—			205,211
Land
Pass		16,853			3,190			—			4,979			—			—			—			—			25,022
Total Land loans		16,853			3,190			—			4,979			—			—			—			—			25,022
Construction
Performing		420			—			—			1,607			—			—			—			—			2,027
Pass		51,031			57,409			68,536			19,632			3,531			—			—			—			200,139
Total Construction loans		51,451			57,409			68,536			21,239			3,531			—			—			—			202,166
Total Real Estate loans		156,745			210,937			283,511			405,897			84,890			136,201			—			—			1,278,181
Consumer:
Home equity lines of credit:
Payment performance
Performing		—			—			—			—			—			—			36,253			3,254			39,507
Nonperforming		—			—			—			—			—			—			—			13			13
Total Home equity lines of    credit		—			—			—			—			—			—			36,253			3,267			39,520
Other
Payment performance
Performing		488			—			—			—			6			178			2,316			—			2,988
Nonperforming		—			—			—			—			—			—			—			-			-
Total Other consumer    loans		488			—			—			-			6			178			2,316			-			2,988
Gross charge-offs for    the year ended    December 31, 2024		—			—			—			—			—			—			280			—			280
Total loans	$	197,188		$	237,556		$	358,335		$	492,732		$	128,452		$	147,525		$	174,438		$	3,267		$	1,739,493
Total gross charge-offs during    the year ended December 31, 2024	$	—		$	—		$	1,755		$	3,568		$	—		$	—		$	280		$	—		$	5,603

Components Of Net Investment In Direct Financing Leases

The following lists the components of the net investment in direct financing leases:

	March 31, 2025					December 31, 2024
	(unaudited)
Total minimum lease payments to be received	$		6,481			$		8,009
Less: Unearned income			(244	)				(336	)
Plus: Indirect initial costs			5					7
Net investment in direct financing leases	$		6,242			$		7,680

Summary Of Future Minimum Lease Payments Receivable

The following summarizes the future minimum lease payments receivable in fiscal year 2025 and in subsequent fiscal years:

2025, excluding the three months ended March 31, 2025		$		3,489
2026				2,472
2027				474
2028				46
2029				—
Thereafter				—
Total future minimum payments		$		6,481

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-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-7

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

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