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Loans And Leases (Tables) | 9 Months Ended
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Sep. 30, 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.
| September 30, 2025 |  |  | December 31, 2024 |
| (unaudited) |  |  |  |  |
Commercial (1) | $ |  | 386,653 |  |  | $ |  | 418,804 |
Real estate: |  |  |  |  |  |  |
Single-family residential |  |  | 430,115 |  |  |  |  | 465,517 |
Multi-family residential |  |  | 167,663 |  |  |  |  | 150,434 |
Commercial |  |  | 514,394 |  |  |  |  | 460,064 |
Construction |  |  | 199,334 |  |  |  |  | 202,166 |
Consumer: |  |  |  |  |  |  |
Home equity lines of credit |  |  | 43,304 |  |  |  |  | 39,520 |
Other |  |  | 3,662 |  |  |  |  | 2,988 |
Subtotal |  |  | 1,745,125 |  |  |  |  | 1,739,493 |
Less: ACL – Loans |  |  | (16,841 | ) |  |  |  | (17,474 | )
Loans and leases, net | $ |  | 1,728,284 |  |  | $ |  | 1,722,019 |
(1) Include s $3,805 an d $7,680 of commercial leases at September 30, 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 and nine months ended September 30, 2025 and 2024 (unaudited).
|  | Three Months Ended September 30, 2025 (unaudited)
|  |  |  |  | Real Estate |  |  |  |  |  | Consumer |  |  |
|  | Commercial |  | Single- family |  | Multi- family |  | Commercial |  | Construction |  | Home equity lines of credit |  | Other |  | Total
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balances, July 1, 2025 |  | $ | 9,126 |  | $ | 2,360 |  | $ | 1,061 |  | $ | 3,868 |  | $ | 1,996 |  | $ | 384 |  | $ | 327 |  | $ | 19,122
Provision (reversal) for credit losses |  |  | 4,189 |  |  | 154 |  |  | 29 |  |  | 478 |  |  | (57) |  |  | 18 |  |  | 7 |  |  | 4,818
Recoveries on loans |  |  | 41 |  |  | 8 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 49
Loans charged off |  |  | (7,148) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (7,148)
Balances, September 30, 2025 |  | $ | 6,208 |  | $ | 2,522 |  | $ | 1,090 |  | $ | 4,346 |  | $ | 1,939 |  | $ | 402 |  | $ | 334 |  | $ | 16,841
|  | Nine Months Ended September 30, 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 |  |  |  | 6,377 |  |  |  |  | (265 | ) |  |  |  | (292 | ) |  |  |  | 428 |  |  |  |  | 198 |  |  |  |  | 30 |  |  |  |  | 64 |  |  |  |  | 6,540 |
Recoveries on loans |  |  |  | 106 |  |  |  |  | 27 |  |  |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | 1 |  |  |  |  | — |  |  |  |  | 134 |
Loans charged off |  |  |  | (7,280 | ) |  |  |  | (27 | ) |  |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | (7,307 | )
Balances, September 30, 2025 |  | $ |  | 6,208 |  |  | $ |  | 2,522 |  |  | $ |  | 1,090 |  |  | $ |  | 4,346 |  |  | $ |  | 1,939 |  |  | $ |  | 402 |  |  | $ |  | 334 |  |  | $ |  | 16,841 |
|  | Three Months Ended September 30, 2024 (unaudited)
|  |  |  |  | Real Estate |  |  |  |  |  | Consumer |  |  |
|  | Commercial |  | Single-family |  | Multi-family |  | Commercial |  | Construction |  | Home equity lines of credit |  | Other |  | Total
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balances, July 1, 2024 |  | $ | 8,756 |  | $ | 3,306 |  | $ | 1,015 |  | $ | 4,288 |  | $ | 1,236 |  | $ | 383 |  | $ | 301 |  | $ | 19,285
Provision (reversal) for credit losses |  |  | 574 |  |  | (213) |  |  | 499 |  |  | (166) |  |  | 74 |  |  | 12 |  |  | 6 |  |  | 786
Recoveries on loans |  |  | 30 |  |  | 8 |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 39
Loans charged off |  |  | (3,300) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (30) |  |  | (3,330)
Balances, September 30, 2024 |  | $ | 6,060 |  | $ | 3,101 |  | $ | 1,514 |  | $ | 4,122 |  | $ | 1,310 |  | $ | 396 |  | $ | 277 |  | $ | 16,780
|  | Nine Months Ended September 30, 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 |  |  |  | 5,307 |  |  |  |  | (293 | ) |  |  |  | 283 |  |  |  |  | 17 |  |  |  |  | (397 | ) |  |  |  | 57 |  |  |  |  | 324 |  |  |  |  | 5,298 |
Recoveries on loans |  |  |  | 42 |  |  |  |  | 23 |  |  |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | 5 |  |  |  |  | — |  |  |  |  | 70 |
Loans charged off |  |  |  | (5,173 | ) |  |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | (280 | ) |  |  |  | (5,453 | )
Balances, September 30, 2024 |  | $ |  | 6,060 |  |  | $ |  | 3,101 |  |  | $ |  | 1,514 |  |  | $ |  | 4,122 |  |  | $ |  | 1,310 |  |  | $ |  | 396 |  |  | $ |  | 277 |  |  | $ |  | 16,780 |
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.
| September 30, 2025 (unaudited) |
| Residential Real Estate |  |  | Other |  |  | Total |  |  | Allowance on Collateral Dependent Loans |
Commercial | $ |  | — |  |  | $ |  | 3,181 |  |  | $ |  | 3,181 |  |  | $ |  | 1,296 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | 81 |  |  |  |  | — |  |  |  |  | 81 |  |  |  |  | — |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | — |  |  |  |  | 694 |  |  |  |  | 694 |  |  |  |  | 306 |
Total | $ |  | 81 |  |  | $ |  | 3,875 |  |  | $ |  | 3,956 |  |  | $ |  | 1,602 |
| 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 September 30, 2025 (unaudited):
| Nonaccrual Loans |  |  | Nonaccrual Loans with no Allowance for Credit Losses |
Commercial | $ |  | 7,896 |  |  | $ |  | 669 |
Real estate: |  |  |  |  |  |  |
Single-family residential |  |  | 1,343 |  |  |  |  | 1,343 |
Commercial: |  |  |  |  |  |  |
Owner occupied |  |  | 694 |  |  |  |  | - |
Consumer: |  |  |  |  |  |  |
Home equity lines of credit |  |  | 101 |  |  |  |  | 101 |
Total nonaccrual loans | $ |  | 10,034 |  |  | $ |  | 2,113 |
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 September 30, 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 | $ |  | 122 |  |  | $ |  | 145 |  |  | $ |  | 3,421 |  |  | $ |  | 3,688 |  |  | $ |  | 382,965 |  |  | $ |  | 4,475 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  | — |  |  |  |  | — |  |  |  |  | 1,191 |  |  |  |  | 1,191 |  |  |  |  | 428,924 |  |  |  |  | 152 |
Multi-family residential |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | 167,663 |  |  |  |  | — |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | 264,269 |  |  |  |  | — |
Owner occupied |  |  | — |  |  |  |  | — |  |  |  |  | 694 |  |  |  |  | 694 |  |  |  |  | 207,390 |  |  |  |  | — |
Land |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | 42,041 |  |  |  |  | — |
Construction |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | 199,334 |  |  |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | - |  |  |  |  | 43,304 |  |  |  |  | 101 |
Other |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | — |  |  |  |  | 3,662 |  |  |  |  | — |
Total | $ |  | 122 |  |  | $ |  | 145 |  |  | $ |  | 5,306 |  |  | $ |  | 5,573 |  |  | $ |  | 1,739,552 |  |  | $ |  | 4,728 |
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 September 30, 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 | $ | 46,074 |  | $ | 29,479 |  | $ | 23,040 |  | $ | 48,089 |  | $ | 64,296 |  | $ | 42,987 |  | $ | 115,072 |  | $ | 3,255 |  | $ | 372,292
Special Mention |  | — |  |  | — |  |  | 89 |  |  | 5,000 |  |  | 56 |  |  | 2,847 |  |  | — |  |  | — |  |  | 7,992
Substandard |  | — |  |  | 1,328 |  |  | 49 |  |  | — |  |  | 4,142 |  |  | 415 |  |  | 50 |  |  | — |  |  | 5,984
Doubtful |  | — |  |  | — |  |  | — |  |  | 385 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 385
Total Commercial |  | 46,074 |  |  | 30,807 |  |  | 23,178 |  |  | 53,474 |  |  | 68,494 |  |  | 46,249 |  |  | 115,122 |  |  | 3,255 |  |  | 386,653
Gross charge-offs during the nine months ended September 30, 2025 |  | — |  |  | — |  |  | — |  |  | 7,118 |  |  | 162 |  |  | — |  |  | — |  |  | — |  |  | 7,280
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 9,326 |  |  | 29,695 |  |  | 26,077 |  |  | 105,683 |  |  | 204,635 |  |  | 53,356 |  |  | — |  |  | — |  |  | 428,772
Nonperforming |  | — |  |  | — |  |  | — |  |  | 257 |  |  | 370 |  |  | 716 |  |  | — |  |  | — |  |  | 1,343
Total Single-family residential loans |  | 9,326 |  |  | 29,695 |  |  | 26,077 |  |  | 105,940 |  |  | 205,005 |  |  | 54,072 |  |  | — |  |  | — |  |  | 430,115
Gross charge-offs during the nine months ended September 30, 2025 |  | — |  |  | — |  |  | 27 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 27
Multi-family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 2,673 |  |  | 27,229 |  |  | 31,825 |  |  | 28,656 |  |  | 47,022 |  |  | 21,567 |  |  | — |  |  | — |  |  | 158,972
Special Mention |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8,691 |  |  |  |  |  |  |  |  | 8,691
Total Multi-family residential loans |  | 2,673 |  |  | 27,229 |  |  | 31,825 |  |  | 28,656 |  |  | 47,022 |  |  | 30,258 |  |  | — |  |  | — |  |  | 167,663
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 51,946 |  |  | 8,240 |  |  | 44,251 |  |  | 38,514 |  |  | 64,391 |  |  | 56,927 |  |  | — |  |  | — |  |  | 264,269
Total Non-owner occupied loans |  | 51,946 |  |  | 8,240 |  |  | 44,251 |  |  | 38,514 |  |  | 64,391 |  |  | 56,927 |  |  | — |  |  | — |  |  | 264,269
Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 20,112 |  |  | 18,079 |  |  | 41,345 |  |  | 45,026 |  |  | 40,369 |  |  | 41,780 |  |  | — |  |  | — |  |  | 206,711
Substandard |  | — |  |  | — |  |  | — |  |  | 694 |  |  | — |  |  | 679 |  |  | — |  |  | — |  |  | 1,373
Total Owner occupied loans |  | 20,112 |  |  | 18,079 |  |  | 41,345 |  |  | 45,720 |  |  | 40,369 |  |  | 42,459 |  |  | — |  |  | — |  |  | 208,084
Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 13,323 |  |  | 21,013 |  |  | 3,195 |  |  | — |  |  | 4,510 |  |  | — |  |  | — |  |  | — |  |  | 42,041
Total Land loans |  | 13,323 |  |  | 21,013 |  |  | 3,195 |  |  | — |  |  | 4,510 |  |  | — |  |  | — |  |  | — |  |  | 42,041
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Not Rated |  | 386 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 386
Pass |  | 20,091 |  |  | 86,300 |  |  | 60,589 |  |  | 27,748 |  |  | 4,220 |  |  | — |  |  | — |  |  | — |  |  | 198,948
Total Construction loans |  | 20,477 |  |  | 86,300 |  |  | 60,589 |  |  | 27,748 |  |  | 4,220 |  |  | — |  |  | — |  |  | — |  |  | 199,334
Total Real Estate loans |  | 117,857 |  |  | 190,556 |  |  | 207,282 |  |  | 246,578 |  |  | 365,517 |  |  | 183,716 |  |  | — |  |  | — |  |  | 1,311,506
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 42,144 |  |  | 1,059 |  |  | 43,203
Nonperforming |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 90 |  |  | 11 |  |  | 101
Total Home equity lines of credit |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 42,234 |  |  | 1,070 |  |  | 43,304
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | — |  |  | 474 |  |  | — |  |  | — |  |  | — |  |  | 138 |  |  | 3,050 |  |  | — |  |  | 3,662
Total Other consumer loans |  | — |  |  | 474 |  |  | — |  |  | — |  |  | — |  |  | 138 |  |  | 3,050 |  |  | — |  |  | 3,662
Total loans | $ | 163,931 |  | $ | 221,837 |  | $ | 230,460 |  | $ | 300,052 |  | $ | 434,011 |  | $ | 230,103 |  | $ | 160,406 |  | $ | 4,325 |  | $ | 1,745,125
Total gross charge-offs during the nine months ended September 30, 2025 | $ | — |  | $ | — |  | $ | 27 |  | $ | 7,118 |  | $ | 162 |  | $ | — |  | $ | — |  | $ | — |  | $ | 7,307
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:
| September 30, 2025 |  |  | December 31, 2024 |
| (unaudited) |  |  |  |  |
Total minimum lease payments to be received | $ |  | 3,916 |  |  | $ |  | 8,009 |
Less: Unearned income |  |  | (113 | ) |  |  |  | (336 | )
Plus: Indirect initial costs |  |  | 2 |  |  |  |  | 7 |
Net investment in direct financing leases | $ |  | 3,805 |  |  | $ |  | 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 nine months ended September 30, 2025 |  | $ |  | 1,154 |
2026 |  |  |  | 2,329 |
2027 |  |  |  | 398 |
2028 |  |  |  | 35 |
2029 |  |  |  | — |
Thereafter |  |  |  | — |
Total future minimum payments |  | $ |  | 3,916 |

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