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Loans And Allowance For Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2024
Loans And Allowance For Credit Losses [Abstract] |
Summary Of Loans, Net |
A summary of loans, net (1) is as follows (dollars in thousands): |  |  |
| As of |  | As of
| December 31, 2024 |  | December 31, 2023
Commercial | $ 66,418 |  | $ 65,324
Commercial Real Estate: |  |  |
Commercial Mortgages-Owner Occupied | 140,443 |  | 131,519
Commercial Mortgages-Non-Owner Occupied | 195,089 |  | 175,344
Commercial Construction/Land | 23,883 |  | 21,966
Consumer |  |  |
Consumer Open-End | 50,041 |  | 50,282
Consumer Closed-End | 28,269 |  | 26,235
Residential: |  |  |
Residential Mortgages | 113,303 |  | 106,990
Residential Consumer Construction/Land | 26,150 |  | 31,673
Total loans | $ 643,596 |  | $ 609,333
Less allowance for credit losses | 7,044 |  | 7,412
Net loans | $ 636,552 |  | $ 601,921
(1)Includes net deferred costs of $589 and $961 as of December 31, 2024 and 2023 respectively.
Amortized Cost Basis Of Collateral Dependent Loans |
Collateral Dependent Loans |  | December 31, 2024
(dollars in thousands) |  | Business/Other Assets |  | Real Estate
Commercial |  | $ 3,315 |  | $ -
Commercial Real Estate |  | - |  | 7,350
Consumer |  | - |  | 592
Residential |  | - |  | 1,369
Total |  | $ 3,315 |  | $ 9,311
Collateral Dependent Loans |  | December 31, 2023
(dollars in thousands) |  | Business/Other Assets |  | Real Estate
Commercial |  | $ 313 |  | $ -
Commercial Real Estate |  | - |  | 3,566
Consumer |  | - |  | 329
Residential |  | - |  | 1,105
Total |  | $ 313 |  | $ 5,000
Allowance For Credit Losses And Recorded Investment In Loans | :
| Allowance for Credit Losses
| (dollars in thousands)
| As of and For the Year Ended December 31, 2024
|  |  |  | Commercial |  |  |  |  |  |  |  |  |
2024 | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 514 |  | $ | 3,985 |  | $ | 1,093 |  | $ | 1,820 |  | $ | 7,412
Charge-Offs |  | (8) |  |  | - |  |  | (76) |  |  | - |  |  | (84)
Recoveries |  | 200 |  |  | 7 |  |  | 41 |  |  | 1 |  |  | 249
Provision (recovery of provision) |  | (20) |  |  | (273) |  |  | (216) |  |  | (24) |  |  | (533)
Ending Balance | $ | 686 |  | $ | 3,719 |  | $ | 842 |  | $ | 1,797 |  | $ | 7,044
| Allowance for Credit Losses
| (dollars in thousands)
| As of and For the Year Ended December 31, 2023
|  |  |  | Commercial |  |  |  |  |  |  |  |  |
2023 | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 1,102 |  | $ | 2,902 |  | $ | 904 |  | $ | 1,351 |  | $ | 6,259
Adoption of ASU 2016-13 |  | (526) |  |  | 1,157 |  |  | 257 |  |  | 357 |  |  | 1,245
Charge-Offs |  | (149) |  |  | - |  |  | (84) |  |  | (3) |  |  | (236)
Recoveries |  | 50 |  |  | 96 |  |  | 44 |  |  | 19 |  |  | 209
Provision (recovery of provision) |  | 37 |  |  | (170) |  |  | (28) |  |  | 96 |  |  | (65)
Ending Balance | $ | 514 |  | $ | 3,985 |  | $ | 1,093 |  | $ | 1,820 |  | $ | 7,412
Amortized Cost Basis By Origination Year | The table below details the amortized cost of the classes of loans by credit quality indicator and year of origination as of December 31, 2024.
| 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 10,412 |  | $ 3,680 |  | $ 2,901 |  | $ 7,188 |  | $ 734 |  | $ 16,070 |  | $ 21,602 |  | $ 341 |  | $ 62,928
Special Mention | - |  | - |  | 41 |  | 79 |  | - |  | - |  | - |  | - |  | 120
Substandard | - |  | 922 |  | 13 |  | 43 |  | - |  | 569 |  | 1,654 |  | 169 |  | 3,370
Total | $ 10,412 |  | $ 4,602 |  | $ 2,955 |  | $ 7,310 |  | $ 734 |  | $ 16,639 |  | $ 23,256 |  | $ 510 |  | $ 66,418
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mort. - Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 21,261 |  | $ 8,959 |  | $ 21,770 |  | $ 39,881 |  | $ 5,663 |  | $ 35,869 |  | $ 1,564 |  | $ 153 |  | $ 135,120
Special Mention | - |  | - |  | - |  | - |  | - |  | 451 |  | - |  | - |  | 451
Substandard | - |  | 93 |  | - |  | 2,898 |  | 44 |  | 1,837 |  | - |  | - |  | 4,872
Total | $ 21,261 |  | $ 9,052 |  | $ 21,770 |  | $ 42,779 |  | $ 5,707 |  | $ 38,157 |  | $ 1,564 |  | $ 153 |  | $ 140,443
Commercial Mort. - Non-Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 39,659 |  | $ 12,203 |  | $ 49,273 |  | $ 27,410 |  | $ 9,698 |  | $ 49,206 |  | $ 6,467 |  | $ - |  | $ 193,916
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | 1,173 |  | - |  | - |  | - |  | 1,173
Total | $ 39,659 |  | $ 12,203 |  | $ 49,273 |  | $ 27,410 |  | $ 10,871 |  | $ 49,206 |  | $ 6,467 |  | $ - |  | $ 195,089
Commercial Construction/Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 7,180 |  | $ 1,496 |  | $ 768 |  | $ 9,497 |  | $ 1,976 |  | $ 1,020 |  | $ 641 |  | $ - |  | $ 22,578
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | 951 |  | 354 |  | - |  | - |  | - |  | - |  | 1,305
Total | $ 7,180 |  | $ 1,496 |  | $ 1,719 |  | $ 9,851 |  | $ 1,976 |  | $ 1,020 |  | $ 641 |  | $ - |  | $ 23,883
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer - Open-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 48,531 |  | $ 1,110 |  | $ 49,641
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | - |  | 400 |  | 400
Total | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 48,531 |  | $ 1,510 |  | $ 50,041
Consumer - Closed-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 6,660 |  | $ 4,548 |  | $ 9,634 |  | $ 382 |  | $ 398 |  | $ 6,366 |  | $ - |  | $ - |  | $ 27,988
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | 37 |  | - |  | 119 |  | - |  | - |  | 125 |  | - |  | - |  | 281
Total | $ 6,697 |  | $ 4,548 |  | $ 9,753 |  | $ 382 |  | $ 398 |  | $ 6,491 |  | $ - |  | $ - |  | $ 28,269
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 18,418 |  | $ 23,905 |  | $ 22,954 |  | $ 9,082 |  | $ 8,376 |  | $ 28,572 |  | $ - |  | $ - |  | $ 111,307
Special Mention | - |  | - |  | - |  | - |  | - |  | 73 |  | - |  | - |  | 73
Substandard | - |  | - |  | 265 |  | - |  | 103 |  | 1,555 |  | - |  | - |  | 1,923
Total | $ 18,418 |  | $ 23,905 |  | $ 23,219 |  | $ 9,082 |  | $ 8,479 |  | $ 30,200 |  | $ - |  | $ - |  | $ 113,303
Residential Consumer Construction/Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 12,522 |  | $ 6,375 |  | $ 2,436 |  | $ 1,161 |  | $ 848 |  | $ 2,808 |  | $ - |  | $ - |  | $ 26,150
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total | $ 12,522 |  | $ 6,375 |  | $ 2,436 |  | $ 1,161 |  | $ 848 |  | $ 2,808 |  | $ - |  | $ - |  | $ 26,150
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 116,112 |  | $ 61,166 |  | $ 109,736 |  | $ 94,601 |  | $ 27,693 |  | $ 139,911 |  | $ 78,805 |  | $ 1,604 |  | $ 629,628
Special Mention | - |  | - |  | 41 |  | 79 |  | - |  | 524 |  | - |  | - |  | 644
Substandard | 37 |  | 1,015 |  | 1,348 |  | 3,295 |  | 1,320 |  | 4,086 |  | 1,654 |  | 569 |  | 13,324
Total | $ 116,149 |  | $ 62,181 |  | $ 111,125 |  | $ 97,975 |  | $ 29,013 |  | $ 144,521 |  | $ 80,459 |  | $ 2,173 |  | $ 643,596
‎ Note 5 - Loans and allowance for credit losses (continued)
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 6,086 |  | $ 4,559 |  | $ 9,091 |  | $ 6,067 |  | $ 2,754 |  | $ 18,429 |  | $ 17,302 |  | $ 39 |  | $ 64,327
Special Mention | 100 |  | - |  | - |  | 132 |  | - |  | - |  | 382 |  | - |  | 614
Substandard | - |  | 18 |  | 51 |  | - |  | 6 |  | 127 |  | - |  | 181 |  | 383
Total | $ 6,186 |  | $ 4,577 |  | $ 9,142 |  | $ 6,199 |  | $ 2,760 |  | $ 18,556 |  | $ 17,684 |  | $ 220 |  | $ 65,324
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mort. - Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 10,260 |  | $ 23,120 |  | $ 45,838 |  | $ 7,972 |  | $ 8,988 |  | $ 31,254 |  | $ 1,471 |  | $ 159 |  | $ 129,062
Special Mention | - |  | - |  | - |  | - |  | - |  | 456 |  | - |  | - |  | 456
Substandard | 94 |  | - |  | - |  | 45 |  | 283 |  | 1,579 |  | - |  | - |  | 2,001
Total | $ 10,354 |  | $ 23,120 |  | $ 45,838 |  | $ 8,017 |  | $ 9,271 |  | $ 33,289 |  | $ 1,471 |  | $ 159 |  | $ 131,519
Commercial Mort. - Non-Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 13,069 |  | $ 52,341 |  | $ 35,419 |  | $ 10,210 |  | $ 4,397 |  | $ 52,583 |  | $ 6,152 |  | $ - |  | $ 174,171
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | 1,173 |  | - |  | - |  | - |  | - |  | 1,173
Total | $ 13,069 |  | $ 52,341 |  | $ 35,419 |  | $ 11,383 |  | $ 4,397 |  | $ 52,583 |  | $ 6,152 |  | $ - |  | $ 175,344
Commercial Construction/Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 1,848 |  | $ 3,157 |  | $ 9,869 |  | $ 2,842 |  | $ 628 |  | $ 463 |  | $ 2,768 |  | $ - |  | $ 21,575
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | 391 |  | - |  | - |  | - |  | - |  | - |  | 391
Total | $ 1,848 |  | $ 3,157 |  | $ 10,260 |  | $ 2,842 |  | $ 628 |  | $ 463 |  | $ 2,768 |  | $ - |  | $ 21,966
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer - Open-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 48,576 |  | $ 1,466 |  | $ 50,042
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | 240 |  | - |  | 240
Total | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 48,816 |  | $ 1,466 |  | $ 50,282
Consumer - Closed-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 5,587 |  | $ 11,121 |  | $ 588 |  | $ 529 |  | $ 7,647 |  | $ 601 |  | $ - |  | $ - |  | $ 26,073
Special Mention | - |  | - |  | - |  | 14 |  | - |  | - |  | - |  | - |  | 14
Substandard | - |  | - |  | - |  | - |  | 32 |  | 116 |  | - |  | - |  | 148
Total | $ 5,587 |  | $ 11,121 |  | $ 588 |  | $ 543 |  | $ 7,679 |  | $ 717 |  | $ - |  | $ - |  | $ 26,235
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 26,854 |  | $ 24,740 |  | $ 10,220 |  | $ 9,007 |  | $ 7,161 |  | $ 25,935 |  | $ - |  | $ - |  | $ 103,917
Special Mention | - |  | - |  | - |  | - |  | - |  | 1,687 |  | - |  | - |  | 1,687
Substandard | - |  | - |  | - |  | 105 |  | 54 |  | 1,227 |  | - |  | - |  | 1,386
Total | $ 26,854 |  | $ 24,740 |  | $ 10,220 |  | $ 9,112 |  | $ 7,215 |  | $ 28,849 |  | $ - |  | $ - |  | $ 106,990
Residential Consumer Construction/Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 10,762 |  | $ 11,341 |  | $ 3,821 |  | $ 1,414 |  | $ 1,896 |  | $ 2,417 |  | $ - |  | $ - |  | $ 31,651
Special Mention | - |  | - |  | 22 |  | - |  | - |  | - |  | - |  | - |  | 22
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total | $ 10,762 |  | $ 11,341 |  | $ 3,843 |  | $ 1,414 |  | $ 1,896 |  | $ 2,417 |  | $ - |  | $ - |  | $ 31,673
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 74,466 |  | $ 130,379 |  | $ 114,846 |  | $ 38,041 |  | $ 33,471 |  | $ 131,682 |  | $ 76,269 |  | $ 1,664 |  | $ 600,818
Special Mention | 100 |  | - |  | 22 |  | 146 |  | - |  | 2,143 |  | 382 |  | - |  | 2,793
Substandard | 94 |  | 18 |  | 442 |  | 1,323 |  | 375 |  | 3,049 |  | 240 |  | 181 |  | 5,722
Total | $ 74,660 |  | $ 130,397 |  | $ 115,310 |  | $ 39,510 |  | $ 33,846 |  | $ 136,874 |  | $ 76,891 |  | $ 1,845 |  | $ 609,333
Gross Charge-Offs By Origination Year |
Charge-Offs by Origination Year (in thousands)
For the year endedDecember 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Total | Revolving Loans Converted to Term
Commercial | $ - | $ 8 | $ - | $ - | $ - | $ - | $ - | $ 8 | $ -
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | - | - | - | - | - | - | - | - | -
Commercial Mortgages-Non-Owner Occupied | - | - | - | - | - | - | - | - | -
Commercial Construction/Land | - | - | - | - | - | - | - | - | -
Consumer: |  |  |  |  |  |  |  |  |
Consumer Open-End | - | - | - | - | - | 2 | - | 2 | -
Consumer Closed-End | - | - | 74 | - | - | - | - | 74 | -
Residential: |  |  |  |  |  |  |  |  |
Residential Mortgages | - | - | - | - | - | - | - | - | -
Residential Consumer Construction/Land | - | - | - | - | - | - | - | - | -
Total | $ - | $ 8 | $ 74 | $ - | $ - | $ 2 | $ - | $ 84 | $ -
For the year ended December 31, 2023 | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Total | Revolving Loans Converted to Term
Commercial | $ - | $ - | $ - | $ 17 | $ - | $ 132 | $ - | $ 149 | $ -
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | - | - | - | - | - | - | - | - | -
Commercial Mortgages-Non-Owner Occupied | - | - | - | - | - | - | - | - | -
Commercial Construction/Land | - | - | - | - | - | - | - | - | -
Consumer: |  |  |  |  |  |  |  |  |
Consumer Open-End | - | - | - | - | - | 6 | 7 | 13 | -
Consumer Closed-End | 19 | 33 | 19 | - | - | - | - | 71 | -
Residential: |  |  |  |  |  |  |  |  |
Residential Mortgages | - | - | - | - | - | 3 | - | 3 | -
Residential Consumer Construction/Land | - | - | - | - | - | - | - | - | -
Total | $ 19 | $ 33 | $ 19 | $ 17 | $ - | $ 141 | $ 7 | $ 236 | $ -
Loans On Non-Accrual Status |
Loans on Nonaccrual Status
(dollars in thousands)
| December 31, 2024 |
| Nonaccrual Loans |
| With No Allowance | With an Allowance | Total |
Commercial | $ 279 | $ 193 | $ 472 |
Commercial Real Estate: |  |  |  |
Commercial Mortgages-Owner Occupied | 43 | - | 43 |
Commercial Mortgages-Non-Owner Occupied | - | - | - |
Commercial Construction/Land | 354 | - | 354 |
Consumer |  |  |  |
Consumer Open-End | - | - | - |
Consumer Closed-End | 192 | - | 192 |
Residential: |  |  |  |
Residential Mortgages | 579 | - | 579 |
Residential Consumer Construction/Land | - | - | - |
Total | $ 1,447 | $ 193 | $ 1,640 |
| December 31, 2023 |
| Nonaccrual Loans |
| With No Allowance | With an Allowance | Total |
Commercial | $ - | $ - | $ - |
Commercial Real Estate: |  |  |  |
Commercial Mortgages-Owner Occupied | - | - | - |
Commercial Mortgages-Non-Owner Occupied | - | - | - |
Commercial Construction/Land | 391 | - | 391 |
Consumer |  |  |  |
Consumer Open-End | - | - | - |
Consumer Closed-End | - | - | - |
Residential: |  |  |  |
Residential Mortgages | - | - | - |
Residential Consumer Construction/Land | - | - | - |
Total | $ 391 | $ - | $ 391 |
Age Analysis Of Past Due Financing Receivables |
Age Analysis of Past Due Loans as of December 31, 2024 (in thousands)
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  | Investment
|  | 30-59 Days |  |  | 60-89 Days |  |  | than |  |  | Total Past |  |  |  |  |  | Total |  |  | > 90 Days &
|  | Past Due |  |  | Past Due |  |  | 90 Days |  |  | Due |  |  | Current |  |  | Loans |  |  | Accruing
Commercial | $ | — |  | $ | 398 |  | $ | 74 |  | $ | 472 |  | $ | 65,946 |  | $ | 66,418 |  | $ | —
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | — |  |  | — |  |  | 43 |  |  | 43 |  |  | 140,400 |  |  | 140,443 |  |  | —
Commercial Mortgages-Non-Owner Occupied |  | — |  |  | — |  |  | — |  |  | — |  |  | 195,089 |  |  | 195,089 |  |  | —
Commercial Construction/Land |  | — |  |  | — |  |  | — |  |  | — |  |  | 23,883 |  |  | 23,883 |  |  | —
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Open-End |  | 39 |  |  | 1 |  |  | — |  |  | 40 |  |  | 50,001 |  |  | 50,041 |  |  | —
Consumer Closed-End |  | 112 |  |  | 73 |  |  | — |  |  | 185 |  |  | 28,084 |  |  | 28,269 |  |  | —
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 174 |  |  | 358 |  |  | 340 |  |  | 872 |  |  | 112,431 |  |  | 113,303 |  |  | —
Residential Consumer Construction/Land |  | — |  |  | — |  |  | — |  |  | — |  |  | 26,150 |  |  | 26,150 |  |  | —
Total | $ | 325 |  | $ | 830 |  | $ | 457 |  | $ | 1,612 |  | $ | 641,984 |  | $ | 643,596 |  | $ | —
Age Analysis of Past Due Loans as of December 31, 2023 (in thousands)
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  | Investment
|  | 30-59 Days |  |  | 60-89 Days |  |  | than |  |  | Total Past |  |  |  |  |  | Total |  |  | > 90 Days &
|  | Past Due |  |  | Past Due |  |  | 90 Days |  |  | Due |  |  | Current |  |  | Loans |  |  | Accruing
Commercial | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 65,324 |  | $ | 65,324 |  | $ | —
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 91 |  |  | — |  |  | — |  |  | 91 |  |  | 131,428 |  |  | 131,519 |  |  | —
Commercial Mortgages-Non-Owner Occupied |  | — |  |  | — |  |  | — |  |  | — |  |  | 175,344 |  |  | 175,344 |  |  | —
Commercial Construction/Land |  | — |  |  | — |  |  | — |  |  | — |  |  | 21,966 |  |  | 21,966 |  |  | —
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Open-End |  | 357 |  |  | — |  |  | — |  |  | 357 |  |  | 49,925 |  |  | 50,282 |  |  | —
Consumer Closed-End |  | 126 |  |  | 89 |  |  | — |  |  | 215 |  |  | 26,020 |  |  | 26,235 |  |  | —
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 396 |  |  | — |  |  | — |  |  | 396 |  |  | 106,594 |  |  | 106,990 |  |  | —
Residential Consumer Construction/Land |  | — |  |  | — |  |  | — |  |  | — |  |  | 31,673 |  |  | 31,673 |  |  | —
Total | $ | 970 |  | $ | 89 |  | $ | — |  | $ | 1,059 |  | $ | 608,274 |  | $ | 609,333 |  | $ | —
Allowance For Credit Losses On Unfunded Commitments |
Allowance for Credit Losses on Unfunded Commitments | (in thousands)
Balance, December 31, 2022 | $ -
Adoption of ASU 2016-13 | 779
Recovery of credit losses | (114)
Balance December 31, 2023 | $ 665
Balance, December 31, 2023 | $ 665
Recovery of credit losses | (122)
Balance December 31, 2024 | $ 543
Changes In OREO Balance |
OREO Changes
| Year Ended December 31,
(in thousands) | 2024 |  | 2023
Balance at the beginning of the year | $ | — |  | $ | 566
Transfers from Loans |  | — |  |  | —
Capitalized costs |  | — |  |  | —
Valuation adjustments |  | — |  |  | (23)
Sales proceeds |  | — |  |  | (540)
Loss on sales |  | — |  |  | (3)
Balance at the end of the year | $ | — |  | $ | —

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