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Loans And Allowance For Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2025
Loans And Allowance For Credit Losses [Abstract] |
Summary Of Loans, Net |
| As of |  | As of
| March 31, 2025 |  | December 31, 2024
Commercial | $ 59,976 |  | $ 66,418
Commercial Real Estate: |  |  |
Commercial Mortgages-Owner Occupied | 154,630 |  | 140,443
Commercial Mortgages-Non-Owner Occupied | 205,132 |  | 195,089
Commercial Construction/Land | 11,537 |  | 23,883
Consumer: |  |  |
Consumer Open-End | 52,759 |  | 50,041
Consumer Closed-End | 27,362 |  | 28,269
Residential: |  |  |
Residential Mortgages | 111,652 |  | 113,303
Residential Consumer Construction/Land | 26,361 |  | 26,150
Total loans | $ 649,409 |  | $ 643,596
Less allowance for credit losses | 7,021 |  | 7,044
Net loans | $ 642,388 |  | $ 636,552
Amortized Cost Basis Of Collateral Dependent Loans |
Collateral Dependent Loans |  | March 31, 2025
(dollars in thousands) |  | Business/Other Assets |  | Real Estate
Commercial |  | $ 4,181 |  | $ -
Commercial Real Estate |  | - |  | 7,239
Consumer |  | - |  | 583
Residential |  | - |  | 1,610
Total |  | $ 4,181 |  | $ 9,432
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
Allowance For Credit Losses And Recorded Investment In Loans |
| Allowance for Credit Losses and Recorded Investment in Loans
| (dollars in thousands)
| As of and For the Three Months Ended March 31, 2025
|  |  | Commercial |  |  |  |  |  |
2025 | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |
Beginning Balance, December 31, 2024 | $ 686 |  | $ 3,719 |  | $ 842 |  | $ 1,797 |  | $ 7,044
Charge-Offs | - |  | - |  | (53) |  | (9) |  | (62)
Recoveries | 4 |  | - |  | 7 |  | - |  | 11
Provision for (recovery of) | (158) |  | 196 |  | 41 |  | (51) |  | 28
Ending Balance, March 31, 2025 | $ 532 |  | $ 3,915 |  | $ 837 |  | $ 1,737 |  | $ 7,021
| As of and For the Three Months Ended March 31, 2024
|  |  | Commercial |  |  |  |  |  |
2024 | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |
Beginning Balance, December 31, 2023 | $ 514 |  | $ 3,985 |  | $ 1,093 |  | $ 1,820 |  | $ 7,412
Charge-Offs | (8) |  | - |  | (57) |  | - |  | (65)
Recoveries | 65 |  | 1 |  | 7 |  | 1 |  | 74
Provision for (recovery of) | 73 |  | (344) |  | (159) |  | (71) |  | (501)
Ending Balance, March 31, 2024 | $ 644 |  | $ 3,642 |  | $ 884 |  | $ 1,750 |  | $ 6,920
Amortized Cost Basis By Origination Year |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 1,013 |  | $ 10,527 |  | $ 3,331 |  | $ 2,783 |  | $ 6,511 |  | $ 15,554 |  | $ 15,889 |  | $ 24 |  | $ 55,632
Special Mention | - |  | - |  | - |  | 37 |  | 74 |  | - |  | - |  | - |  | 111
Substandard | - |  | - |  | 911 |  | 12 |  | 40 |  | 553 |  | 2,569 |  | 148 |  | 4,233
Total | $ 1,013 |  | $ 10,527 |  | $ 4,242 |  | $ 2,832 |  | $ 6,625 |  | $ 16,107 |  | $ 18,458 |  | $ 172 |  | $ 59,976
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mort. - Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 5,890 |  | $ 25,000 |  | $ 8,888 |  | $ 22,227 |  | $ 46,021 |  | $ 39,929 |  | $ 1,496 |  | $ 151 |  | $ 149,602
Special Mention | - |  | - |  | - |  | - |  | - |  | 251 |  | - |  | - |  | 251
Substandard | - |  | - |  | 92 |  | - |  | 2,851 |  | 1,834 |  | - |  | - |  | 4,777
Total | $ 5,890 |  | $ 25,000 |  | $ 8,980 |  | $ 22,227 |  | $ 48,872 |  | $ 42,014 |  | $ 1,496 |  | $ 151 |  | $ 154,630
Commercial Mort. - Non-Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 10,573 |  | $ 40,536 |  | $ 12,005 |  | $ 48,663 |  | $ 27,010 |  | $ 57,824 |  | $ 6,404 |  | $ - |  | $ 203,015
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | 944 |  | - |  | 1,173 |  | - |  | - |  | 2,117
Total | $ 10,573 |  | $ 40,536 |  | $ 12,005 |  | $ 49,607 |  | $ 27,010 |  | $ 58,997 |  | $ 6,404 |  | $ - |  | $ 205,132
Commercial Construction/Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 1,899 |  | $ 1,820 |  | $ 1,485 |  | $ 378 |  | $ 2,689 |  | $ 2,508 |  | $ 414 |  | $ - |  | $ 11,193
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | 344 |  | - |  | - |  | - |  | 344
Total | $ 1,899 |  | $ 1,820 |  | $ 1,485 |  | $ 378 |  | $ 3,033 |  | $ 2,508 |  | $ 414 |  | $ - |  | $ 11,537
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer - Open-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 51,023 |  | $ 1,336 |  | $ 52,359
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | - |  | 400 |  | 400
Total | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 51,023 |  | $ 1,736 |  | $ 52,759
Consumer - Closed-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 375 |  | $ 6,282 |  | $ 4,388 |  | $ 9,294 |  | $ 363 |  | $ 6,390 |  | $ - |  | $ - |  | $ 27,092
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | 36 |  | - |  | 118 |  | - |  | 116 |  | - |  | - |  | 270
Total | $ 375 |  | $ 6,318 |  | $ 4,388 |  | $ 9,412 |  | $ 363 |  | $ 6,506 |  | $ - |  | $ - |  | $ 27,362
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 416 |  | $ 18,192 |  | $ 23,501 |  | $ 22,557 |  | $ 8,962 |  | $ 35,847 |  | $ - |  | $ - |  | $ 109,475
Special Mention | - |  | - |  | - |  | - |  | - |  | 72 |  | - |  | - |  | 72
Substandard | - |  | - |  | - |  | 515 |  | - |  | 1,590 |  | - |  | - |  | 2,105
Total | $ 416 |  | $ 18,192 |  | $ 23,501 |  | $ 23,072 |  | $ 8,962 |  | $ 37,509 |  | $ - |  | $ - |  | $ 111,652
Residential Consumer Construction/Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 3,193 |  | $ 11,963 |  | $ 5,006 |  | $ 2,340 |  | $ 1,137 |  | $ 2,722 |  | $ - |  | $ - |  | $ 26,361
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total | $ 3,193 |  | $ 11,963 |  | $ 5,006 |  | $ 2,340 |  | $ 1,137 |  | $ 2,722 |  | $ - |  | $ - |  | $ 26,361
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 23,359 |  | $ 114,320 |  | $ 58,604 |  | $ 108,242 |  | $ 92,693 |  | $ 160,774 |  | $ 75,226 |  | $ 1,511 |  | $ 634,729
Special Mention | - |  | - |  | - |  | 37 |  | 74 |  | 323 |  | - |  | - |  | 434
Substandard | - |  | 36 |  | 1,003 |  | 1,589 |  | 3,235 |  | 5,266 |  | 2,569 |  | 548 |  | 14,246
Total | $ 23,359 |  | $ 114,356 |  | $ 59,607 |  | $ 109,868 |  | $ 96,002 |  | $ 166,363 |  | $ 77,795 |  | $ 2,059 |  | $ 649,409
‎ Note 8 – Loans and allowance for credit losses (continued) 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
‎
Gross Charge-Offs By Origination Year |
Current Period Gross Charge-Offs by Origination Year (in thousands)
As of March 31, 2025 | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total |
Commercial | - | - | - | $ - | - | - | - | - | - |
Commercial Real Estate: | - | - | - | - | - | - | - |  | - |
Commercial Mortgages-Owner Occupied | - | - | - | - | - | - | - | - | - |
Commercial Mortgages-Non-Owner Occupied | - | - | - | - | - | - | - | - | - |
Commercial Construction/ Land | - | - | - | - | - | - | - | - | - |
Consumer: | - | - | - |  | - | - | - | - | - |
Consumer Open-End | - | - | - | 48 | - | 5 | - | - | 53 |
Consumer Closed-End | - | - | - | - | - | - | - | - | - |
Residential: | - | - | - | - | - | - | - | - | - |
Residential Mortgages | - | - | - | - | - | 9 | - | - | 9 |
Residential Consumer Construction/Land | - | - | - | - | - | - | - | - | - |
Total | $ - | $ - | $ - | $ 48 | $ - | $ 14 | $ - | $ - | $ 62 |
As of December 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total |
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 |
Loans On Non-Accrual Status |
| March 31, 2025
| Nonaccrual Loans
| With No Allowance | With an Allowance | Total
Commercial | $ 393 | $ 72 | $ 465
Commercial Real Estate: |  |  |
Commercial Mortgages-Owner Occupied | 35 | - | 35
Commercial Mortgages-Non-Owner Occupied | - | - | -
Commercial Construction/Land | 344 | - | 344
Consumer |  |  |
Consumer Open-End | - | - | -
Consumer Closed-End | 184 | - | 184
Residential: |  |  |
Residential Mortgages | 770 | - | 770
Residential Consumer Construction/Land | - | - | -
Total | $ 1,726 | $ 72 | $ 1,798
| 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
Age Analysis Of Past Due Financing Receivables |
Age Analysis of Past Due Loans as of March 31, 2025
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  | Investment
2025 |  | 30-59 Days |  |  | 60-89 Days |  |  | than |  |  | Total Past |  |  |  |  |  | Total |  |  | > 90 Days &
|  | Past Due |  |  | Past Due |  |  | 90 Days |  |  | Due |  |  | Current |  |  | Loans |  |  | Accruing
Commercial | $ | 24 |  | $ | - |  | $ | 398 |  | $ | 422 |  | $ | 59,554 |  | $ | 59,976 |  | $ | —
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 75 |  |  | - |  |  | - |  |  | 75 |  |  | 154,555 |  |  | 154,630 |  |  | -
Commercial Mortgages-Non-Owner Occupied |  | 82 |  |  | - |  |  | - |  |  | 82 |  |  | 205,050 |  |  | 205,132 |  |  | -
Commercial Construction/Land |  | - |  |  | - |  |  | - |  |  | - |  |  | 11,537 |  |  | 11,537 |  |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Open-End |  | 371 |  |  | 40 |  |  | - |  |  | 411 |  |  | 52,348 |  |  | 52,759 |  |  | -
Consumer Closed-End |  | 109 |  |  | 118 |  |  | - |  |  | 227 |  |  | 27,135 |  |  | 27,362 |  |  | -
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 329 |  |  | 126 |  |  | 97 |  |  | 552 |  |  | 111,100 |  |  | 111,652 |  |  | -
Residential Consumer Construction/Land |  | - |  |  | - |  |  | - |  |  | - |  |  | 26,361 |  |  | 26,361 |  |  | -
Total | $ | 990 |  | $ | 284 |  | $ | 495 |  | $ | 1,769 |  | $ | 647,640 |  | $ | 649,409 |  | $ | -
Age Analysis of Past Due Loans as of December 31, 2024
2024 |  |  |  |  |  |  |  | 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 |  | $ | —
Allowance For Credit Losses On Unfunded Commitments |
Allowance for Credit Losses on Unfunded Commitments |
Balance, December 31, 2024 | $ 543
Provision for credit losses | 109
Balance March 31, 2025 | $ 652
Balance, December 31, 2023 | $ 665
Recovery of credit losses | (52)
Balance March 31, 2024 | $ 613

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