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Allowance for Credit Losses on Loans and Off-Balance Sheet Credit Exposures (Tables) | 6 Months Ended
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Jun. 30, 2025
Credit Loss [Abstract] |
Schedule of Allowance For Loan Losses, By Class | Changes in the ACL on loans, by loan segment, for the three and six months ended June 30, 2025 and 2024 were as follows:
For The Three Months Ended June 30, 2025 | Balance, March 31, 2025 |  | Charge-Offs | Recoveries | Credit Loss Expense (Benefit) | Balance, June 30, 2025
| (Dollars in thousands)
Non-revolving residential real estate | $ | 2,866 |  |  | $ | — |  | $ | 4 |  | $ | 35 |  | $ | 2,905 |
Revolving residential real estate | 200 |  |  | — |  | — |  | 30 |  | 230 |
Residential real estate | 3,066 |  |  | — |  | 4 |  | 65 |  | 3,135 |
Commercial construction real estate | 822 |  |  | — |  | — |  | 197 |  | 1,019 |
Residential construction real estate | 196 |  |  | — |  | — |  | 23 |  | 219 |
Construction real estate | 1,018 |  |  | — |  | — |  | 220 |  | 1,238 |
Non-residential commercial real estate | 3,255 |  |  | — |  | — |  | (55) |  | 3,200 |
Multi-family residential real estate | 258 |  |  | — |  | — |  | — |  | 258 |
Commercial real estate | 3,513 |  |  | — |  | — |  | (55) |  | 3,458 |
Commercial | 427 |  |  | — |  | — |  | 12 |  | 439 |
Consumer | 7 |  |  | — |  | 1 |  | (2) |  | 6 |
Municipal | 79 |  |  | — |  | — |  | (48) |  | 31 |
Total | $ | 8,110 |  |  | $ | — |  | $ | 5 |  | $ | 192 |  | $ | 8,307 |
For The Six Months Ended June 30, 2025 | Balance, December 31, 2024 |  | Charge-Offs | Recoveries | Credit Loss Expense (Benefit) | Balance, June 30, 2025
| (Dollars in thousands)
Non-revolving residential real estate | $ | 3,212 |  |  | $ | — |  | $ | 9 |  | $ | (316) |  | $ | 2,905 |
Revolving residential real estate | 280 |  |  | — |  | — |  | (50) |  | 230 |
Residential real estate | 3,492 |  |  | — |  | 9 |  | (366) |  | 3,135 |
Commercial construction real estate | 651 |  |  | — |  | — |  | 368 |  | 1,019 |
Residential construction real estate | 102 |  |  | — |  | — |  | 117 |  | 219 |
Construction real estate | 753 |  |  | — |  | — |  | 485 |  | 1,238 |
Non-residential commercial real estate | 2,766 |  |  | — |  | — |  | 434 |  | 3,200 |
Multi-family residential real estate | 212 |  |  | — |  | — |  | 46 |  | 258 |
Commercial real estate | 2,978 |  |  | — |  | — |  | 480 |  | 3,458 |
Commercial | 377 |  |  | — |  | — |  | 62 |  | 439 |
Consumer | 6 |  |  | (4) |  | 1 |  | 3 |  | 6 |
Municipal | 74 |  |  | — |  | — |  | (43) |  | 31 |
Total | $ | 7,680 |  |  | $ | (4) |  | $ | 10 |  | $ | 621 |  | $ | 8,307 |
For The Three Months Ended June 30, 2024 | Balance, March 31, 2024 |  | Charge-Offs | Recoveries | Credit Loss Expense (Benefit) | Balance, June 30, 2024
| (Dollars in thousands)
Non-revolving residential real estate | $ | 2,845 |  |  | $ | — |  | $ | 10 |  | $ | 112 |  | $ | 2,967 |
Revolving residential real estate | 247 |  |  | — |  | — |  | 26 |  | 273 |
Residential real estate | 3,092 |  |  | — |  | 10 |  | 138 |  | 3,240 |
Commercial construction real estate | 420 |  |  | — |  | — |  | 124 |  | 544 |
Residential construction real estate | 93 |  |  | — |  | — |  | (5) |  | 88 |
Construction real estate | 513 |  |  | — |  | — |  | 119 |  | 632 |
Non-residential commercial real estate | 2,454 |  |  | — |  | — |  | 15 |  | 2,469 |
Multi-family residential real estate | 208 |  |  | — |  | — |  | (1) |  | 207 |
Commercial real estate | 2,662 |  |  | — |  | — |  | 14 |  | 2,676 |
Commercial | 307 |  |  | — |  | 1 |  | 4 |  | 312 |
Consumer | 6 |  |  | (1) |  | — |  | 2 |  | 7 |
Municipal | 65 |  |  | — |  | — |  | (39) |  | 26 |
Total | $ | 6,645 |  |  | $ | (1) |  | $ | 11 |  | $ | 238 |  | $ | 6,893 |
For The Six Months Ended June 30, 2024 | Balance, December 31, 2023 |  | Charge-Offs | Recoveries | Credit Loss Expense (Benefit) | Balance, June 30, 2024
| (Dollars in thousands)
Non-revolving residential real estate | $ | 2,361 |  |  | $ | — |  | $ | 11 |  | $ | 595 |  | $ | 2,967 |
Revolving residential real estate | 159 |  |  | — |  | — |  | 114 |  | 273 |
Residential real estate | 2,520 |  |  | — |  | 11 |  | 709 |  | 3,240 |
Commercial construction real estate | 1,035 |  |  | — |  | — |  | (491) |  | 544 |
Residential construction real estate | 163 |  |  | — |  | — |  | (75) |  | 88 |
Construction real estate | 1,198 |  |  | — |  | — |  | (566) |  | 632 |
Non-residential commercial real estate | 2,182 |  |  | — |  | — |  | 287 |  | 2,469 |
Multi-family residential real estate | 244 |  |  | — |  | — |  | (37) |  | 207 |
Commercial real estate | 2,426 |  |  | — |  | — |  | 250 |  | 2,676 |
Commercial | 352 |  |  | — |  | 1 |  | (41) |  | 312 |
Consumer | 5 |  |  | (1) |  | — |  | 3 |  | 7 |
Municipal | 65 |  |  | — |  | — |  | (39) |  | 26 |
Total | $ | 6,566 |  |  | $ | (1) |  | $ | 12 |  | $ | 316 |  | $ | 6,893 |
Schedule of Fair Value, off-Balance-Sheet Risks | The activity in the ACL on off-balance sheet credit exposures for the three and six months ended June 30, 2025 and 2024 was as follows:
| For The Three Months Ended June 30, | For the Six Months Ended June 30,
| 2025 | 2024 | 2025 | 2024
ACL on Off-Balance Sheet Credit Exposures | (Dollars in thousands)
Balance at beginning of period | $ | 877 |  | $ | 925 |  | $ | 1,071 |  | $ | 1,233 |
Credit loss expense (benefit) | 29 |  | 150 |  | (165) |  | (158) |
Balance at end of period | $ | 906 |  | $ | 1,075 |  | $ | 906 |  | $ | 1,075 |
Schedule of Financing Receivable Credit Quality Indicators | The following tables summarize the Company's loans by year of origination and by loan ratings applied by management to the Company's loans by segment as of June 30, 2025 and December 31, 2024:
June 30, 2025 | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving | Total
Residential Real Estate | (Dollars in thousands)
Pass | $ | 17,947 |  | $ | 78,367 |  | $ | 63,915 |  | $ | 94,702 |  | $ | 76,343 |  | $ | 74,821 |  | $ | — |  | $ | 406,095 |
Satisfactory/Monitor | 2,906 |  | 5,711 |  | 6,122 |  | 11,087 |  | 4,112 |  | 7,497 |  | — |  | 37,435 |
Substandard | — |  | 25 |  | — |  | 644 |  | — |  | 32 |  | — |  | 701 |
Non-revolving residential real estate | 20,853 |  | 84,103 |  | 70,037 |  | 106,433 |  | 80,455 |  | 82,350 |  | — |  | 444,231 |
Pass | — |  | — |  | — |  | — |  | — |  | — |  | 23,805 |  | 23,805 |
Satisfactory/Monitor | — |  | — |  | — |  | — |  | — |  | — |  | 1,613 |  | 1,613 |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | 37 |  | 37 |
Revolving residential real estate | — |  | — |  | — |  | — |  | — |  | — |  | 25,455 |  | 25,455 |
Construction Real Estate |  |  |  |  |  |  |  |
Pass | 5,162 |  | 8,882 |  | 1,315 |  | 1,816 |  | 1,192 |  | 1,028 |  | — |  | 19,395 |
Satisfactory/Monitor | 2,803 |  | 20,559 |  | 1,262 |  | — |  | 757 |  | 125 |  | — |  | 25,506 |
Substandard | — |  | — |  | 12,480 |  | — |  | — |  | — |  | — |  | 12,480 |
Commercial construction real estate | 7,965 |  | 29,441 |  | 15,057 |  | 1,816 |  | 1,949 |  | 1,153 |  | — |  | 57,381 |
Pass | 11,366 |  | 35,671 |  | 5,131 |  | 971 |  | — |  | — |  | — |  | 53,139 |
Satisfactory/Monitor | 1,998 |  | 2,341 |  | 872 |  | 200 |  | 2,053 |  | 1,590 |  | — |  | 9,054 |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Residential construction real estate | 13,364 |  | 38,012 |  | 6,003 |  | 1,171 |  | 2,053 |  | 1,590 |  | — |  | 62,193 |
Commercial Real Estate |  |  |  |  |  |  |  |
Pass | 4,042 |  | 3,693 |  | 10,112 |  | 46,154 |  | 28,584 |  | 77,219 |  | 7,681 |  | 177,485 |
Satisfactory/Monitor | 2,245 |  | 54,119 |  | 16,045 |  | 19,264 |  | 16,210 |  | 24,864 |  | 14,870 |  | 147,617 |
Substandard | — |  | — |  | — |  | — |  | — |  | 4,312 |  | — |  | 4,312 |
Non-residential commercial real estate | 6,287 |  | 57,812 |  | 26,157 |  | 65,418 |  | 44,794 |  | 106,395 |  | 22,551 |  | 329,414 |
Pass | — |  | 1,042 |  | 275 |  | 4,274 |  | 9,472 |  | 41,026 |  | — |  | 56,089 |
Satisfactory/Monitor | 1,542 |  | 1,204 |  | 5,590 |  | 14,734 |  | 10,492 |  | 16,215 |  | — |  | 49,777 |
Substandard | — |  | — |  | — |  | — |  | — |  | 247 |  | — |  | 247 |
Multi-family residential real estate | 1,542 |  | 2,246 |  | 5,865 |  | 19,008 |  | 19,964 |  | 57,488 |  | — |  | 106,113 |
Pass | 972 |  | 2,562 |  | 2,427 |  | 2,526 |  | 1,322 |  | 7,308 |  | 4,817 |  | 21,934 |
Satisfactory/Monitor | 627 |  | 1,811 |  | 1,704 |  | 1,947 |  | 1,742 |  | 2,426 |  | 1,181 |  | 11,438 |
Substandard | — |  | 43 |  | — |  | — |  | — |  | 218 |  | 483 |  | 744 |
Commercial | 1,599 |  | 4,416 |  | 4,131 |  | 4,473 |  | 3,064 |  | 9,952 |  | 6,481 |  | 34,116 |
Pass | 879 |  | 678 |  | 594 |  | 58 |  | 20 |  | 212 |  | 23 |  | 2,464 |
Satisfactory/Monitor | 4 |  | — |  | — |  | — |  | — |  | — |  | — |  | 4 |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Consumer | 883 |  | 678 |  | 594 |  | 58 |  | 20 |  | 212 |  | 23 |  | 2,468 |
Pass | 7,107 |  | 18,962 |  | 10,466 |  | 534 |  | 383 |  | 3,943 |  | — |  | 41,395 |
Satisfactory/Monitor | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Municipal | 7,107 |  | 18,962 |  | 10,466 |  | 534 |  | 383 |  | 3,943 |  | — |  | 41,395 |
Total Loans | $ | 59,600 |  | $ | 235,670 |  | $ | 138,310 |  | $ | 198,911 |  | $ | 152,682 |  | $ | 263,083 |  | $ | 54,510 |  | $ | 1,102,766 |
December 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving | Total
Residential Real Estate | (Dollars in thousands)
Pass | $ | 83,371 |  | $ | 70,515 |  | $ | 100,168 |  | $ | 79,234 |  | $ | 27,326 |  | $ | 51,661 |  | $ | — |  | $ | 412,275 |
Satisfactory/Monitor | 5,381 |  | 5,065 |  | 10,744 |  | 3,642 |  | 2,450 |  | 5,627 |  | — |  | 32,909 |
Substandard | — |  | — |  | — |  | — |  | 158 |  | 83 |  | — |  | 241 |
Non-revolving residential real estate | 88,752 |  | 75,580 |  | 110,912 |  | 82,876 |  | 29,934 |  | 57,371 |  | — |  | 445,425 |
Pass | — |  | — |  | — |  | — |  | — |  | — |  | 20,516 |  | 20,516 |
Satisfactory/Monitor | — |  | — |  | — |  | — |  | — |  | — |  | 1,344 |  | 1,344 |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | 24 |  | 24 |
Revolving residential real estate | — |  | — |  | — |  | — |  | — |  | — |  | 21,884 |  | 21,884 |
Construction Real Estate |  |  |  |  |  |  |  |
Pass | 8,968 |  | 2,216 |  | 4,514 |  | 1,460 |  | 559 |  | 714 |  | — |  | 18,431 |
Satisfactory/Monitor | 13,524 |  | 15,276 |  | 1,760 |  | 5,800 |  | 53 |  | 141 |  | — |  | 36,554 |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Commercial construction real estate | 22,492 |  | 17,492 |  | 6,274 |  | 7,260 |  | 612 |  | 855 |  | — |  | 54,985 |
Pass | 34,189 |  | 8,725 |  | 960 |  | — |  | — |  | — |  | — |  | 43,874 |
Satisfactory/Monitor | 2,199 |  | 1,547 |  | 136 |  | 2,307 |  | 1,139 |  | — |  | — |  | 7,328 |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Residential construction real estate | 36,388 |  | 10,272 |  | 1,096 |  | 2,307 |  | 1,139 |  | — |  | — |  | 51,202 |
Commercial Real Estate |  |  |  |  |  |  |  |
Pass | 3,427 |  | 10,481 |  | 49,645 |  | 31,969 |  | 17,227 |  | 64,073 |  | 5,431 |  | 182,253 |
Satisfactory/Monitor | 48,068 |  | 17,365 |  | 15,874 |  | 13,967 |  | 5,297 |  | 27,610 |  | 14,954 |  | 143,135 |
Substandard | — |  | — |  | — |  | — |  | 1,606 |  | 2,969 |  | 47 |  | 4,622 |
Non-residential commercial real estate | 51,495 |  | 27,846 |  | 65,519 |  | 45,936 |  | 24,130 |  | 94,652 |  | 20,432 |  | 330,010 |
Pass | 1,720 |  | 283 |  | 4,329 |  | 10,115 |  | 1,853 |  | 31,787 |  | — |  | 50,087 |
Satisfactory/Monitor | 563 |  | 2,484 |  | 14,980 |  | 10,291 |  | 5,535 |  | 20,132 |  | — |  | 53,985 |
Substandard | — |  | — |  | — |  | — |  | — |  | 256 |  | — |  | 256 |
Multi-family residential real estate | 2,283 |  | 2,767 |  | 19,309 |  | 20,406 |  | 7,388 |  | 52,175 |  | — |  | 104,328 |
Pass | 3,224 |  | 2,583 |  | 4,417 |  | 1,517 |  | 370 |  | 7,492 |  | 3,483 |  | 23,086 |
Satisfactory/Monitor | 1,958 |  | 2,438 |  | 899 |  | 1,977 |  | 203 |  | 2,595 |  | 1,295 |  | 11,365 |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | 724 |  | 724 |
Commercial | 5,182 |  | 5,021 |  | 5,316 |  | 3,494 |  | 573 |  | 10,087 |  | 5,502 |  | 35,175 |
Pass | 1,253 |  | 777 |  | 105 |  | 53 |  | 66 |  | 188 |  | 24 |  | 2,466 |
Satisfactory/Monitor | 57 |  | — |  | — |  | — |  | — |  | — |  | — |  | 57 |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Consumer | 1,310 |  | 777 |  | 105 |  | 53 |  | 66 |  | 188 |  | 24 |  | 2,523 |
Pass | 93,280 |  | 10,482 |  | 1,363 |  | 606 |  | 1,272 |  | 3,201 |  | — |  | 110,204 |
Satisfactory/Monitor | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Municipal | 93,280 |  | 10,482 |  | 1,363 |  | 606 |  | 1,272 |  | 3,201 |  | — |  | 110,204 |
Total Loans | $ | 301,182 |  | $ | 150,237 |  | $ | 209,894 |  | $ | 162,938 |  | $ | 65,114 |  | $ | 218,529 |  | $ | 47,842 |  | $ | 1,155,736 |
Schedule of Financing Receivable, Nonaccrual | A summary of current and past due loans as of June 30, 2025 and December 31, 2024 follows:
June 30, 2025 | 30-59 Days | 60-89 Days | 90 Days and Over | Total Past Due | Current | Total
| (Dollars in thousands)
Residential real estate |  |  |  |  |  |
Non-revolving residential real estate | $ | — |  | $ | 996 |  | $ | 57 |  | $ | 1,053 |  | $ | 443,178 |  | $ | 444,231 |
Revolving residential real estate | — |  | — |  | 15 |  | 15 |  | 25,440 |  | 25,455 |
Construction real estate |  |  |  |  |  |
Commercial construction real estate | — |  | — |  | — |  | — |  | 57,381 |  | 57,381 |
Residential construction real estate | — |  | — |  | — |  | — |  | 62,193 |  | 62,193 |
Commercial real estate |  |  |  |  |  |
Non-residential commercial real estate | 255 |  | 7 |  | — |  | 262 |  | 329,152 |  | 329,414 |
Multi-family residential real estate | — |  | — |  | — |  | — |  | 106,113 |  | 106,113 |
Commercial | 44 |  | 43 |  | — |  | 87 |  | 34,029 |  | 34,116 |
Consumer | — |  | — |  | — |  | — |  | 2,468 |  | 2,468 |
Municipal | — |  | — |  | — |  | — |  | 41,395 |  | 41,395 |
Total | $ | 299 |  | $ | 1,046 |  | $ | 72 |  | $ | 1,417 |  | $ | 1,101,349 |  | $ | 1,102,766 |
December 31, 2024 | 30-59 Days | 60-89 Days | 90 Days and Over | Total Past Due | Current | Total
| (Dollars in thousands)
Residential real estate |  |  |  |  |  |
Non-revolving residential real estate | $ | 1,560 |  | $ | 1,158 |  | $ | 241 |  | $ | 2,959 |  | $ | 442,466 |  | $ | 445,425 |
Revolving residential real estate | — |  | — |  | — |  | — |  | 21,884 |  | 21,884 |
Construction real estate |  |  |  |  |  |
Commercial construction real estate | — |  | — |  | — |  | — |  | 54,985 |  | 54,985 |
Residential construction real estate | — |  | — |  | — |  | — |  | 51,202 |  | 51,202 |
Commercial real estate |  |  |  |  |  |
Non-residential commercial real estate | 355 |  | 46 |  | — |  | 401 |  | 329,609 |  | 330,010 |
Multi-family residential real estate | — |  | — |  | — |  | — |  | 104,328 |  | 104,328 |
Commercial | 45 |  | — |  | — |  | 45 |  | 35,130 |  | 35,175 |
Consumer | — |  | 4 |  | — |  | 4 |  | 2,519 |  | 2,523 |
Municipal | — |  | — |  | — |  | — |  | 110,204 |  | 110,204 |
Total | $ | 1,960 |  | $ | 1,208 |  | $ | 241 |  | $ | 3,409 |  | $ | 1,152,327 |  | $ | 1,155,736 |
A summary of nonaccrual loans as of June 30, 2025 and December 31, 2024 follows:
June 30, 2025 | Nonaccrual | Nonaccrual With No Allowance for Credit Losses | 90 Days and Over and Accruing
Residential real estate | (Dollars in thousands)
Non-revolving residential real estate | $ | 643 |  | $ | — |  | $ | 57 |
Revolving residential real estate | — |  | — |  | 15 |
Construction real estate |  |  |
Commercial construction real estate | 12,480 |  | — |  | — |
Commercial real estate |  |  |
Non-residential commercial real estate | 1,540 |  | 1,540 |  | — |
Commercial | 526 |  | — |  | — |
Total | $ | 15,189 |  | $ | 1,540 |  | $ | 72 |
December 31, 2024 | Nonaccrual | Nonaccrual With No Allowance for Credit Losses | 90 Days and Over and Accruing
Residential real estate | (Dollars in thousands)
Non-revolving residential real estate | $ | — |  | $ | — |  | $ | 241 |
Commercial real estate |  |  |
Non-residential commercial real estate | 1,652 |  | 1,652 |  | — |
Total | $ | 1,652 |  | $ | 1,652 |  | $ | 241 |
Schedule of Composition of Net Loans | The composition of Net loans as of the balance sheet dates, by regulatory call report code segmentation based on underlying collateral or purpose for certain loan types, was as follows:
| June 30, 2025 | December 31, 2024
Residential real estate | (Dollars in thousands)
Non-revolving residential real estate | $ | 444,231 |  | $ | 445,425 |
Revolving residential real estate | 25,455 |  | 21,884 |
Construction real estate |  |
Commercial construction real estate | 57,381 |  | 54,985 |
Residential construction real estate | 62,193 |  | 51,202 |
Commercial real estate |  |
Non-residential commercial real estate | 329,414 |  | 330,010 |
Multi-family residential real estate | 106,113 |  | 104,328 |
Commercial | 34,116 |  | 35,175 |
Consumer | 2,468 |  | 2,523 |
Municipal | 41,395 |  | 110,204 |
Gross loans | 1,102,766 |  | 1,155,736 |
ACL on loans | (8,307) |  | (7,680) |
Net deferred loan costs | 2,156 |  | 2,162 |
Net loans | $ | 1,096,615 |  | $ | 1,150,218 |
The following table presents collateral dependent loans to borrowers experiencing financial difficulty by loan class and collateral type as of the balance sheet dates:
| June 30, 2025 | December 31, 2024
| (Dollars in thousands) |  |
Commercial construction real estate | $ | 12,480 |  |  |  | $ | — |  |  |
Non-residential commercial real estate | 4,134 |  |  |  | 4,246 |  |  |
Commercial | 526 |  |  |  | 500 |  |  |
Total | $ | 17,140 |  |  |  | $ | 4,746 |  |  |
Schedule of Financing Receivable, Modified | The following tables summarize loan modifications to borrowers experiencing financial difficulty by loan class, type of modification and the financial effect of the modifications as of and for the three and six months ended June 30, 2025 and 2024.
| Payment Delay |
| Three Months Ended June 30, 2025 | Six Months Ended June 30, 2025 |  |  |
| Amortized Cost Basis | % of Loan Class | Amortized Cost Basis | % of Loan Class | Financial Effect |  |
| (Dollars in thousands) |  |  |
Commercial construction real estate | $ | 12,480 |  | 21.75 | % | $ | 12,480 |  | 21.75 | % | Modification extended loan draw period 6 months, extended interest only payments by 12 months and extended maturity date by 18 months. |  |
| Payment Delay |
| Three Months Ended June 30, 2024 | Six Months Ended June 30, 2024 |  |  |
| Amortized Cost Basis | % of Loan Class | Amortized Cost Basis | % of Loan Class | Financial Effect |  |
| (Dollars in thousands) |  |  |
Non-revolving residential real estate | $ | 18 |  | — | % | $ | 18 |  | — | % | Modification deferred 3 months of principal and interest payments. |  |
Non-residential commercial real estate | 266 |  | 0.09 | % | 266 |  | 0.09 | % | Modification deferred 3 months of principal and interest payments. |  |
Commercial | 48 |  | 0.12 | % | 48 |  | 0.12 | % | Modification deferred 3 months of principal and interest payments. |  |
The following tables present the performance of loans as of June 30, 2025 and December 31, 2024 that had been modified in the previous twelve months:
June 30, 2025 | Current | Past Due 30-89 Days | Past Due 90 Days and Over
| (Dollars in thousands)
Commercial construction real estate | $ | 12,480 |  | $ | — |  | $ | — |
Total | $ | 12,480 |  | $ | — |  | $ | — |
December 31, 2024 | Current | Past Due 30-89 Days | Past Due 90 Days and Over
| (Dollars in thousands)
Non-revolving residential real estate | $ | 14 |  | $ | — |  | $ | — |
Non-residential commercial real estate | 2,851 |  | — |  | — |
Commercial | — |  | 45 |  | — |
Total | $ | 2,865 |  | $ | 45 |  | $ | — |

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