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Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2023
Loans and Allowance for Credit Losses |
Schedule of summary loan portfolio | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, | ​ | December 31, | ​
​ |  | 2023 |  | 2022 | ​
Commercial real estate loans: |  | ​ |  |  | ​
Construction | ​ | $ | 26,243 | ​ | $ | 20,329 | ​
Non-residential | ​ |  | 298,600 | ​ |  | 282,422 | ​
Multi-family | ​ |  | 71,520 | ​ |  | 67,777 | ​
Residential real estate loans | ​ |  | 56,948 | ​ |  | 53,720 | ​
Commercial and industrial loans(1) | ​ |  | 84,403 | ​ |  | 87,982 | ​
Consumer loans: | ​ |  |  | ​ |  |  | ​
Indirect automobile | ​ |  | 443,962 | ​ |  | 457,223 | ​
Home equity | ​ |  | 11,531 | ​ |  | 11,507 | ​
Other consumer | ​ |  | 9,285 | ​ |  | 9,479 | ​
Total gross loans | ​ |  | 1,002,492 | ​ |  | 990,439 | ​
Net deferred loan costs | ​ |  | 11,373 | ​ |  | 11,872 | ​
Allowance for credit losses | ​ |  | (9,103) | ​ |  | (7,943) | ​
Total net loans | ​ | $ | 1,004,762 | ​ | $ | 994,368 | ​
(1) | Includes $478 and $537 in U.S. Small Business Administration (“SBA”), paycheck protection program (“PPP”) loans at March 31, 2023 and December 31, 2022, respectively.
Schedule of classes of the loan portfolio by the aging categories of performing loans and nonaccrual loans | The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and non-accrual loans: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, 2023
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Greater Than | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | 30-59 Days | ​ | 60-89 Days | ​ | 90 Days Past | ​ | Total Loans | ​ | ​
​ |  | Current |  | Past Due |  | Past Due |  | Due |  | Receivable |  | Non-accrual
Commercial real estate: | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |
Construction | ​ | $ | 26,243 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 26,243 | ​ | $ | —
Non-residential | ​ | ​ | 294,711 | ​ | ​ | 1,826 | ​ | ​ | 715 | ​ | ​ | 1,348 | ​ | ​ | 298,600 | ​ | ​ | 1,817
Multifamily | ​ | ​ | 70,791 | ​ | ​ | 729 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 71,520 | ​ | ​ | —
Residential real estate |  | ​ | 55,798 |  | ​ | 95 |  | ​ | 290 |  | ​ | 765 |  | ​ | 56,948 |  | ​ | 1,946
Commercial and industrial |  | ​ | 83,957 |  | ​ | 271 |  | ​ | — |  | ​ | 175 |  | ​ | 84,403 |  | ​ | 1,150
Consumer: |  | ​ |  |  | ​ |  |  | ​ | ​ |  | ​ |  |  | ​ |  |  | ​ | ​
Indirect automobile |  | ​ | 435,207 |  | ​ | 7,344 | ​ | ​ | 1,031 |  | ​ | 380 |  | ​ | 443,962 |  | ​ | 434
Home equity |  | ​ | 11,188 |  | ​ | 167 | ​ | ​ | — |  | ​ | 176 |  | ​ | 11,531 |  | ​ | 176
Other consumer |  | ​ | 9,130 |  | ​ | 92 |  | ​ | 15 |  | ​ | 48 |  | ​ | 9,285 |  | ​ | 48
Total | ​ | $ | 987,025 | ​ | $ | 10,524 | ​ | $ | 2,051 | ​ | $ | 2,892 | ​ | $ | 1,002,492 | ​ | $ | 5,571
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2022
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Greater Than | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | 30-59 Days | ​ | 60-89 Days | ​ | 90 Days Past | ​ | Total Loans | ​ | ​
​ |  | Current |  | Past Due |  | Past Due |  | Due |  | Receivable |  | Non-accrual
Commercial real estate: | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |
Construction | ​ | $ | 20,329 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 20,329 | ​ | $ | —
Non-residential | ​ | ​ | 275,860 | ​ | ​ | 4,701 | ​ | ​ | 479 | ​ | ​ | 1,382 | ​ | ​ | 282,422 | ​ | ​ | 1,382
Multifamily | ​ | ​ | 67,413 | ​ | ​ | 364 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 67,777 | ​ | ​ | —
Residential real estate |  | ​ | 51,476 |  | ​ | 1,417 |  | ​ | 246 |  | ​ | 581 |  | ​ | 53,720 |  | ​ | 1,794
Commercial and industrial |  | ​ | 87,742 |  | ​ | 57 |  | ​ | — |  | ​ | 183 |  | ​ | 87,982 |  | ​ | 183
Consumer: |  | ​ |  |  | ​ |  |  | ​ | ​ |  | ​ |  |  | ​ |  |  | ​ | ​
Indirect automobile |  | ​ | 444,418 |  | ​ | 10,714 | ​ | ​ | 1,389 |  | ​ | 702 |  | ​ | 457,223 |  | ​ | 797
Home equity |  | ​ | 11,279 |  | ​ | 51 | ​ | ​ | 58 |  | ​ | 119 |  | ​ | 11,507 |  | ​ | 217
Other consumer |  | ​ | 9,208 |  | ​ | 149 |  | ​ | 71 |  | ​ | 51 |  | ​ | 9,479 |  | ​ | 51
Total | ​ | $ | 967,725 | ​ | $ | 17,453 | ​ | $ | 2,243 | ​ | $ | 3,018 | ​ | $ | 990,439 | ​ | $ | 4,424
Schedule of amortized cost basis of individually analyzed loans and related ACL | The following table presents the Company’s amortized cost basis of individually analyzed loans and related ACL at March 31, 2023: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, 2023
​ |  | Individually analyzed loans |  | Related ACL
Commercial real estate: | ​ |  |  | ​ |  |
Non-residential | ​ | $ | 1,817 | ​ | $ | —
Residential real estate | ​ | ​ | 1,946 | ​ | ​ | —
Commercial and industrial | ​ | ​ | 1,150 | ​ | ​ | 710
Consumer: | ​ |  |  | ​ |  | ​
Indirect automobile | ​ | ​ | 434 | ​ | ​ | 39
Home equity | ​ | ​ | 274 | ​ | ​ | —
Other consumer | ​ | ​ | 48 | ​ | ​ | —
Total | ​ | $ | 5,669 | ​ | $ | 749
Schedule of amortized cost basis of only those individually analyzed loans with a related ACL | The following table presents the Company’s amortized cost basis of only those individually analyzed loans with a related ACL at March 31, 2023: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | March 31, 2023
​ |  | Individually analyzed loans |  | Related ACL
Commercial and industrial | ​ | $ | 975 | ​ | $ | 710
Consumer: | ​ |  |  | ​ |  | ​
Indirect automobile | ​ | ​ | 201 | ​ | ​ | 39
Total | ​ | $ | 1,176 | ​ | $ | 749
​
Schedule of information to impaired loans by loan portfolio class | Impaired loans disclosures presented below as of December 31, 2022 represent requirements prior to the adoption of CECL on January 1, 2023. The following table summarizes information regarding impaired loans by loan portfolio class: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2022
​ | ​ | Recorded | ​ | Unpaid Principal | ​ | Related | ​ | Average Recorded
​ |  | Investment |  | Balance |  | Allowance |  | Investment
With no related allowance recorded: | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Commercial real estate: | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​
Non-residential | ​ | $ | 1,382 | ​ | $ | 2,472 | ​ | $ | — | ​ | $ | 1,967
Residential real estate | ​ |  | 1,794 | ​ |  | 2,445 | ​ |  | — | ​ |  | 1,890
Commercial and industrial | ​ |  | 183 | ​ |  | 242 | ​ |  | — | ​ |  | 309
Consumer: | ​ |  | ​ | ​ |  |  | ​ |  |  | ​ |  | ​
Indirect automobile | ​ |  | 371 | ​ |  | 439 | ​ |  | — | ​ |  | 336
Home equity | ​ |  | 217 | ​ |  | 219 | ​ |  | — | ​ |  | 146
Other consumer | ​ |  | 49 | ​ |  | 53 | ​ |  | — | ​ |  | 38
Total | ​ | $ | 3,996 | ​ | $ | 5,870 | ​ | $ | — | ​ | $ | 4,686
With an allowance recorded: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Commercial real estate: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Commercial and industrial | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 114
Consumer: | ​ |  |  | ​ |  |  | ​ |  | ​ | ​ |  | ​
Indirect automobile | ​ | ​ | 426 | ​ | ​ | 435 | ​ | ​ | 107 | ​ | ​ | 293
Other consumer | ​ |  | 2 | ​ |  | 2 | ​ |  | 2 | ​ |  | 11
Total | ​ | $ | 428 | ​ | $ | 437 | ​ | $ | 109 | ​ | $ | 418
Total: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Commercial real estate: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Non-residential | ​ | $ | 1,382 | ​ | $ | 2,472 | ​ | $ | — | ​ | $ | 1,967
Residential real estate | ​ |  | 1,794 | ​ |  | 2,445 | ​ |  | — | ​ |  | 1,890
Commercial and industrial | ​ |  | 183 | ​ |  | 242 | ​ |  | — | ​ |  | 423
Consumer: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Indirect automobile | ​ |  | 797 | ​ |  | 874 | ​ |  | 107 | ​ |  | 629
Home equity | ​ |  | 217 | ​ |  | 219 | ​ |  | — | ​ |  | 146
Other consumer | ​ |  | 51 | ​ |  | 55 | ​ |  | 2 | ​ |  | 49
Total | ​ | $ | 4,424 | ​ | $ | 6,307 | ​ | $ | 109 | ​ | $ | 5,104
​
Schedule of loan balances by segment | Activity in the Company’s ACL for loans for the three months ended March 31, 2023 is summarized in the table below. The Adoption of the CECL Standard row presents adjustments recorded on January 1, 2023 through retained earnings. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Residential | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Real Estate |  | Real Estate |  | and Industrial |  | Indirect |  | Consumer |  | Totals
​ | ​ | Three months ended March 31, 2023
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Allowance for credit losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Beginning balance | ​ | $ | 3,031 | ​ | $ | 103 | ​ | $ | 881 | ​ | $ | 3,868 | ​ | $ | 60 | ​ | $ | 7,943
Adoption of CECL standard | ​ | ​ | (860) | ​ | ​ | 54 | ​ | ​ | (383) | ​ | ​ | 1,710 | ​ | ​ | 59 | ​ | ​ | 580
Provision for credit losses | ​ | ​ | 170 | ​ | ​ | 13 | ​ | ​ | 703 | ​ | ​ | 104 | ​ | ​ | 4 | ​ | ​ | 994
Loans charged-off | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | (989) | ​ | ​ | (22) | ​ | ​ | (1,011)
Recoveries |  | ​ | — |  | ​ | — |  | ​ | — |  | ​ | 585 |  | ​ | 12 |  | ​ | 597
Ending balance | ​ | $ | 2,341 | ​ | $ | 170 | ​ | $ | 1,201 | ​ | $ | 5,278 | ​ | $ | 113 | ​ | $ | 9,103
Ending balance: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Loans individually analyzed | ​ | $ | — | ​ | $ | — | ​ | $ | 710 | ​ | $ | 39 | ​ | $ | — | ​ | $ | 749
Loans collectively analyzed | ​ | $ | 2,341 | ​ | $ | 170 | ​ | $ | 491 | ​ | $ | 5,239 | ​ | $ | 113 | ​ | $ | 8,354
Loan receivables: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Ending balance | ​ | $ | 396,363 | ​ | $ | 56,948 | ​ | $ | 84,403 | ​ | $ | 443,962 | ​ | $ | 20,816 | ​ | $ | 1,002,492
Ending balance: | ​ |  |  | ​ |  | ​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Loans individually analyzed | ​ | $ | 1,817 | ​ | $ | 1,946 | ​ | $ | 1,150 | ​ | $ | 434 | ​ | $ | 322 | ​ | $ | 5,669
Loans collectively analyzed | ​ | $ | 394,546 | ​ | $ | 55,002 | ​ | $ | 83,253 | ​ | $ | 443,528 | ​ | $ | 20,494 | ​ | $ | 996,823
​ ​ Activity in the Company’s allowance for loan losses for the three months ended March 31, 2022 and December 31, 2022 is summarized in the tables below. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Residential | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Real Estate |  | Real Estate |  | and Industrial |  | ​ | Indirect | ​ | Consumer |  | Totals
​ | ​ | Three months ended March 31, 2022
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Beginning balance | ​ | $ | 3,317 | ​ | $ | 54 | ​ | $ | 725 | ​ | $ | 3,416 | ​ | $ | 47 | ​ | $ | 7,559
(Credit to) provision for loan losses | ​ | ​ | (3) | ​ | ​ | (109) | ​ | ​ | 18 | ​ | ​ | 295 | ​ | ​ | 20 | ​ | ​ | 221
Loans charged-off | ​ | ​ | — | ​ | ​ | (44) | ​ | ​ | — | ​ | ​ | (647) | ​ | ​ | (23) | ​ | ​ | (714)
Recoveries |  | ​ | — |  | ​ | 154 |  | ​ | — |  | ​ | 471 |  | ​ | 9 |  | ​ | 634
Ending balance | ​ | $ | 3,314 | ​ | $ | 55 | ​ | $ | 743 | ​ | $ | 3,535 | ​ | $ | 53 | ​ | $ | 7,700
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Commercial | ​ | Residential | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Real Estate |  | Real Estate |  | and Industrial |  | Indirect |  | Consumer |  | Totals
​ | ​ | December 31, 2022
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Ending balance: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Loans deemed impaired | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 107 | ​ | $ | 2 | ​ | $ | 109
Loans not deemed impaired | ​ | $ | 3,031 | ​ | $ | 103 | ​ | $ | 881 | ​ | $ | 3,761 | ​ | $ | 58 | ​ | $ | 7,834
Loan receivables: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Ending balance | ​ | $ | 370,528 | ​ | $ | 53,720 | ​ | $ | 87,982 | ​ | $ | 457,223 | ​ | $ | 20,986 | ​ | $ | 990,439
Ending balance: | ​ |  |  | ​ |  | ​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Loans deemed impaired | ​ | $ | 1,382 | ​ | $ | 1,794 | ​ | $ | 183 | ​ | $ | 797 | ​ | $ | 268 | ​ | $ | 4,424
Loans not deemed impaired | ​ | $ | 369,146 | ​ | $ | 51,926 | ​ | $ | 87,799 | ​ | $ | 456,426 | ​ | $ | 20,718 | ​ | $ | 986,015
​
Summary of provision for credit losses | The following table summarizes the provision for credit losses for the three months ended March 31, 2023 and 2022:
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three Months Ended March 31,
​ |  | 2023 |  | 2022
Provision for credit losses - loans | ​ | $ | 994 | ​ | $ | 221
Provision for credit losses - unfunded commitments | ​ | ​ | 20 | ​ | ​ | —
Provision for credit losses | ​ | $ | 1,014 | ​ | $ | 221
Schedule of loans by risk rating and portfolio segment | The following table presents the credit risk profile of the Company’s loan portfolio (excluding loans in process and deferred loan fees) based on rating category, as well as gross write-offs, by fiscal year of origination as of March 31, 2023.
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | ​ | ​
​ | ​ | Loans by Origination Year | ​ | Loans | ​ | ​ | ​
​ | ​ | 2023 | ​ | 2022 | ​ | 2021 | ​ | 2020 | ​ | 2019 | ​ | Prior | ​ | Amortized Cost | ​ | Total
Commercial construction | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | - | ​ | $ | 3,118 | ​ | $ | - | ​ | $ | - | ​ | $ | - | ​ | $ | - | ​ | $ | - | ​ | $ | 3,118
Watch | ​ | ​ | - | ​ | ​ | 11,649 | ​ | ​ | 11,476 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 23,125
Total commercial construction | ​ | ​ | - | ​ | ​ | 14,767 | ​ | ​ | 11,476 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 26,243
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial non-residential | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 22,338 | ​ | $ | 44,753 | ​ | $ | 27,328 | ​ | $ | 18,121 | ​ | $ | 41,308 | ​ | $ | 51,378 | ​ | $ | - | ​ | $ | 205,226
Watch | ​ | ​ | 2,372 | ​ | ​ | 9,489 | ​ | ​ | 8,043 | ​ | ​ | 12,943 | ​ | ​ | 8,699 | ​ | ​ | 41,064 | ​ | ​ | - | ​ | ​ | 82,610
Special mention | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 5,994 | ​ | ​ | 1,494 | ​ | ​ | - | ​ | ​ | 7,488
Substandard | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 485 | ​ | ​ | 2,791 | ​ | ​ | - | ​ | ​ | 3,276
Total commercial non-residential | ​ | ​ | 24,710 | ​ | ​ | 54,242 | ​ | ​ | 35,371 | ​ | ​ | 31,064 | ​ | ​ | 56,486 | ​ | ​ | 96,727 | ​ | ​ | - | ​ | ​ | 298,600
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Multifamily | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 824 | ​ | $ | 19,017 | ​ | $ | 30,923 | ​ | $ | 2,152 | ​ | $ | 1,576 | ​ | $ | 5,222 | ​ | $ | - | ​ | $ | 59,714
Watch | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 755 | ​ | ​ | - | ​ | ​ | 1,302 | ​ | ​ | 9,749 | ​ | ​ | - | ​ | ​ | 11,806
Total multifamily | ​ | ​ | 824 | ​ | ​ | 19,017 | ​ | ​ | 31,678 | ​ | ​ | 2,152 | ​ | ​ | 2,878 | ​ | ​ | 14,971 | ​ | ​ | - | ​ | ​ | 71,520
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Residential | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | $ | 4,801 | ​ | $ | 26,667 | ​ | $ | 2,619 | ​ | $ | 2,787 | ​ | $ | 2,670 | ​ | $ | 15,458 | ​ | $ | - | ​ | $ | 55,002
Non-performing | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 1,946 | ​ | ​ | - | ​ | ​ | 1,946
Total residential | ​ | ​ | 4,801 | ​ | ​ | 26,667 | ​ | ​ | 2,619 | ​ | ​ | 2,787 | ​ | ​ | 2,670 | ​ | ​ | 17,404 | ​ | ​ | - | ​ | ​ | 56,948
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial and industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 3,579 | ​ | $ | 23,853 | ​ | $ | 14,104 | ​ | $ | 2,141 | ​ | $ | 1,753 | ​ | $ | 5,301 | ​ | $ | 17,273 | ​ | $ | 68,004
Watch | ​ | ​ | 492 | ​ | ​ | 2,705 | ​ | ​ | 319 | ​ | ​ | 765 | ​ | ​ | 802 | ​ | ​ | 2,644 | ​ | ​ | 6,780 | ​ | ​ | 14,507
Special mention | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 377 | ​ | ​ | 13 | ​ | ​ | 59 | ​ | ​ | 64 | ​ | ​ | - | ​ | ​ | 513
Substandard | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 975 | ​ | ​ | - | ​ | ​ | 153 | ​ | ​ | 203 | ​ | ​ | 48 | ​ | ​ | 1,379
Total commercial and industrial | ​ | ​ | 4,071 | ​ | ​ | 26,558 | ​ | ​ | 15,775 | ​ | ​ | 2,919 | ​ | ​ | 2,767 | ​ | ​ | 8,212 | ​ | ​ | 24,101 | ​ | ​ | 84,403
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Indirect automobile | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | $ | 33,383 | ​ | $ | 206,728 | ​ | $ | 100,427 | ​ | $ | 52,928 | ​ | $ | 34,117 | ​ | $ | 15,945 | ​ | $ | - | ​ | $ | 443,528
Non-performing | ​ | ​ | - | ​ | ​ | 162 | ​ | ​ | 106 | ​ | ​ | 21 | ​ | ​ | 110 | ​ | ​ | 35 | ​ | ​ | - | ​ | ​ | 434
Total indirect automobile | ​ | ​ | 33,383 | ​ | ​ | 206,890 | ​ | ​ | 100,533 | ​ | ​ | 52,949 | ​ | ​ | 34,227 | ​ | ​ | 15,980 | ​ | ​ | - | ​ | ​ | 443,962
Current-period gross write-offs | ​ | ​ | - | ​ | ​ | 359 | ​ | ​ | 303 | ​ | ​ | 158 | ​ | ​ | 94 | ​ | ​ | 75 | ​ | ​ | - | ​ | ​ | 989
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Home equity | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | $ | - | ​ | $ | - | ​ | $ | - | ​ | $ | - | ​ | $ | 35 | ​ | $ | 238 | ​ | $ | 11,082 | ​ | $ | 11,355
Non-performing | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 176 | ​ | ​ | 176
Total home equity | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 35 | ​ | ​ | 238 | ​ | ​ | 11,258 | ​ | ​ | 11,531
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Other consumer | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | $ | 829 | ​ | $ | 5,023 | ​ | $ | 1,520 | ​ | $ | 961 | ​ | $ | 256 | ​ | $ | 414 | ​ | $ | 234 | ​ | $ | 9,237
Non-performing | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 23 | ​ | ​ | - | ​ | ​ | 25 | ​ | ​ | - | ​ | ​ | 48
Total other consumer | ​ | ​ | 829 | ​ | ​ | 5,023 | ​ | ​ | 1,520 | ​ | ​ | 984 | ​ | ​ | 256 | ​ | ​ | 439 | ​ | ​ | 234 | ​ | ​ | 9,285
Current-period gross write-offs | ​ | ​ | - | ​ | ​ | 11 | ​ | ​ | - | ​ | ​ | 11 | ​ | ​ | - | ​ | ​ | - | ​ | ​ | - | ​ | ​ | 22
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Loans | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass/performing | ​ | $ | 65,754 | ​ | $ | 329,159 | ​ | $ | 176,921 | ​ | $ | 79,090 | ​ | $ | 81,715 | ​ | $ | 93,956 | ​ | $ | 28,589 | ​ | $ | 855,184
Watch | ​ | ​ | 2,864 | ​ | ​ | 23,843 | ​ | ​ | 20,593 | ​ | ​ | 13,708 | ​ | ​ | 10,803 | ​ | ​ | 53,457 | ​ | ​ | 6,780 | ​ | ​ | 132,048
Special mention | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 377 | ​ | ​ | 13 | ​ | ​ | 6,053 | ​ | ​ | 1,558 | ​ | ​ | 0 | ​ | ​ | 8,001
Substandard | ​ | ​ | 0 | ​ | ​ | 0 | ​ | ​ | 975 | ​ | ​ | 0 | ​ | ​ | 638 | ​ | ​ | 2,994 | ​ | ​ | 48 | ​ | ​ | 4,655
Non-performing | ​ | ​ | 0 | ​ | ​ | 162 | ​ | ​ | 106 | ​ | ​ | 44 | ​ | ​ | 110 | ​ | ​ | 2,006 | ​ | ​ | 176 | ​ | ​ | 2,604
Total Loans | ​ | $ | 68,618 | ​ | $ | 353,164 | ​ | $ | 198,972 | ​ | $ | 92,855 | ​ | $ | 99,319 | ​ | $ | 153,971 | ​ | $ | 35,593 | ​ | $ | 1,002,492
Total Current-period gross write-offs | ​ | $ | 0 | ​ | $ | 370 | ​ | $ | 303 | ​ | $ | 169 | ​ | $ | 94 | ​ | $ | 75 | ​ | $ | - | ​ | $ | 1,011
​ The following table presents the classes of the loan portfolio summarized by the pass category and the criticized categories of special mention and substandard within the internal risk system: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | December 31, 2022
​ |  | Pass |  | Special Mention |  | Substandard |  | Total
Commercial real estate: | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |
Construction | ​ | $ | 20,329 | ​ | $ | — | ​ | $ | — | ​ | $ | 20,329
Non-residential | ​ | ​ | 271,491 | ​ | ​ | 7,904 | ​ | ​ | 3,027 | ​ | ​ | 282,422
Multifamily |  | ​ | 67,777 |  | ​ | — |  | ​ | — |  | ​ | 67,777
Residential real estate |  | ​ | 52,265 |  | ​ | — |  | ​ | 1,455 |  | ​ | 53,720
Commercial and industrial |  | ​ | 83,680 |  | ​ | 3,825 |  | ​ | 477 |  | ​ | 87,982
Consumer: |  | ​ | ​ |  | ​ |  |  | ​ |  |  | ​ |
Indirect automobile |  | ​ | 456,112 |  | ​ | — |  | ​ | 1,111 |  | ​ | 457,223
Home equity |  | ​ | 11,290 |  | ​ | — |  | ​ | 217 |  | ​ | 11,507
Other consumer |  | ​ | 9,428 |  | ​ | — |  | ​ | 51 |  | ​ | 9,479
Total | ​ | $ | 972,372 | ​ | $ | 11,729 | ​ | $ | 6,338 | ​ | $ | 990,439

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