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Loans And Allowance For Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2025
Loans And Allowance For Credit Losses [Abstract] |
Summary Of Loans, Net |
| As of |  | As of
| September 30, 2025 |  | December 31, 2024
Commercial | $ 61,987 |  | $ 66,418
Commercial Real Estate: |  |  |
Commercial Mortgages-Owner Occupied | 149,824 |  | 140,443
Commercial Mortgages-Non-Owner Occupied | 215,798 |  | 195,089
Commercial Construction/Land | 14,364 |  | 23,883
Consumer: |  |  |
Consumer Open-End | 59,675 |  | 50,041
Consumer Closed-End | 25,753 |  | 28,269
Residential: |  |  |
Residential Mortgages | 105,666 |  | 113,303
Residential Consumer Construction/Land | 26,519 |  | 26,150
Total loans | $ 659,586 |  | $ 643,596
Less: allowance for credit losses | 6,298 |  | 7,044
Net loans | $ 653,288 |  | $ 636,552
Amortized Cost Basis Of Collateral Dependent Loans |
Collateral Dependent Loans |  | September 30, 2025
(dollars in thousands) |  | Business/Other Assets |  | Real Estate
Commercial |  | $ 3,925 |  | $ -
Commercial Real Estate |  | - |  | 7,028
Consumer |  | - |  | 570
Residential |  | - |  | 1,592
Total |  | $ 3,925 |  | $ 9,190
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 | The following tables present the activity in the allowance for credit losses for the three and nine-month periods ended and the distribution of the allowance by segment as of September 30, 2025, and 2024 (dollars in thousands).
| Allowance for Credit Losses and Recorded Investment in Loans
| As of and For the Three Months Ended September 30, 2025
|  |  | Commercial |  |  |  |  |  |
| Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |
Beginning Balance, June 30, 2025 | $ 747 |  | $ 3,047 |  | $ 799 |  | $ 1,715 |  | $ 6,308
Charge-Offs | - |  | - |  | (23) |  | - |  | (23)
Recoveries | 1 |  | - |  | 2 |  | - |  | 3
Provision for (recovery of) credit ‎ losses | (93) |  | 129 |  | 59 |  | (85) |  | 10
Ending Balance, September 30, 2025 | $ 655 |  | $ 3,176 |  | $ 837 |  | $ 1,630 |  | $ 6,298
| Allowance for Credit Losses and Recorded Investment in Loans
| As of and For the Nine Months Ended September 30, 2025
|  |  | Commercial |  |  |  |  |  |
| 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 | - |  | - |  | (235) |  | (9) |  | (244)
Recoveries | 6 |  | 1 |  | 9 |  | - |  | 16
Provision for (recovery of) credit ‎ losses | (37) |  | (544) |  | 221 |  | (158) |  | (518)
Ending Balance, September 30, 2025 | $ 655 |  | $ 3,176 |  | $ 837 |  | $ 1,630 |  | $ 6,298
‎ Note 8 – Loans and allowance for credit losses (continued)
| Allowance for Credit Losses and Recorded Investment in Loans
| As of and For the Three Months Ended September 30, 2024
|  |  | Commercial |  |  |  |  |  |
| Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |
Beginning Balance, June 30, 2024 | $ 606 |  | $ 3,748 |  | $ 897 |  | $ 1,700 |  | $ 6,951
Charge-Offs | - |  | - |  | - |  | - |  | -
Recoveries | 1 |  | 2 |  | 18 |  | - |  | 21
Provision for (recovery of) credit losses | (118) |  | 165 |  | (17) |  | 76 |  | 106
Ending Balance, September 30, 2024 | $ 489 |  | $ 3,915 |  | $ 898 |  | $ 1,776 |  | $ 7,078
| Allowance for Credit Losses and Recorded Investment in Loans
| As of and For the Nine Months Ended September 30, 2024
|  |  | Commercial |  |  |  |  |  |
| 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) |  | - |  | (76) |  | - |  | (84)
Recoveries | 199 |  | 6 |  | 38 |  | 1 |  | 244
Provision for (recovery of) | (216) |  | (76) |  | (157) |  | (45) |  | (494)
Ending Balance, September 30, 2024 | $ 489 |  | $ 3,915 |  | $ 898 |  | $ 1,776 |  | $ 7,078
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 | $ 7,927 | $ 6,643 | $ 2,854 | $ 2,642 | $ 5,857 | $ 14,951 | $ 17,082 | $ 61 | $ 58,017
Special Mention | - | - | - | - | - | - | - | - | -
Substandard | - | - | 889 | 9 | 36 | 531 | 2,358 | 147 | 3,970
Total | $ 7,927 | $ 6,643 | $ 3,743 | $ 2,651 | $ 5,893 | $ 15,482 | $ 19,440 | $ 208 | $ 61,987
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Commercial Mort. - Owner Occupied |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ 18,493 | $ 19,977 | $ 7,476 | $ 17,781 | $ 43,672 | $ 36,031 | $ 1,794 | $ - | $ 145,224
Special Mention | - | - | - | - | - | - | - | - | -
Substandard | - | - | 91 | - | 2,757 | 1,752 | - | - | 4,600
Total | $ 18,493 | $ 19,977 | $ 7,567 | $ 17,781 | $ 46,429 | $ 37,783 | $ 1,794 | $ - | $ 149,824
Commercial Mort. - Non-Owner Occupied |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ 26,153 | $ 40,021 | $ 13,754 | $ 46,571 | $ 26,013 | $ 53,818 | $ 7,283 | $ - | $ 213,613
Special Mention | - | - | - | - | - | - | - | - | -
Substandard | - | - | - | 930 | - | 1,255 | - | - | 2,185
Total | $ 26,153 | $ 40,021 | $ 13,754 | $ 47,501 | $ 26,013 | $ 55,073 | $ 7,283 | $ - | $ 215,798
Commercial Construction/Land |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ 2,983 | $ 1,860 | $ 3,324 | $ 372 | $ 2,626 | $ 2,369 | $ 505 | $ - | $ 14,038
Special Mention | - | - | - | - | - | - | - | - | -
Substandard | - | - | - | - | 326 | - | - | - | 326
Total | $ 2,983 | $ 1,860 | $ 3,324 | $ 372 | $ 2,952 | $ 2,369 | $ 505 | $ - | $ 14,364
Consumer: |  |  |  |  |  |  |  |  |
Consumer - Open-End |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ - | $ - | $ - | $ - | $ - | $ - | $ 57,734 | $ 1,371 | $ 59,105
Special Mention | - | - | - | - | - | - | - | - | -
Substandard | - | - | - | - | - | - | - | 570 | 570
Total | $ - | $ - | $ - | $ - | $ - | $ - | $ 57,734 | $ 1,941 | $ 59,675
Consumer - Closed-End |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ 1,760 | $ 5,791 | $ 3,478 | $ 8,540 | $ 280 | $ 5,640 | $ - | $ - | $ 25,489
Special Mention | - | - | - | - | - | - | - | - | -
Substandard | - | 30 | - | 107 | - | 127 | - | - | 264
Total | $ 1,760 | $ 5,821 | $ 3,478 | $ 8,647 | $ 280 | $ 5,767 | $ - | $ - | $ 25,753
Residential: |  |  |  |  |  |  |  |  |
Residential Mortgages |  |  |  |  |  |  |  |  |
Risk Rating | $ 8,653 | $ 16,845 | $ 17,755 | $ 20,513 | $ 7,690 | $ 32,184 | $ - | $ - | $ 103,640
Pass |  |  |  |  |  |  |  |  |
Special Mention | - | - | - | - | - | 68 | - | - | 68
Substandard | - | - | - | 502 | - | 1,456 | - | - | 1,958
Total | $ 8,653 | $ 16,845 | $ 17,755 | $ 21,015 | $ 7,690 | $ 33,708 | $ - | $ - | $ 105,666
Residential Consumer Construction/Land |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ 12,762 | $ 6,591 | $ 1,404 | $ 2,194 | $ 1,046 | $ 2,517 | $ 5 | $ - | $ 26,519
Special Mention | - | - | - | - | - | - | - | - | -
Substandard | - | - | - | - | - | - | - | - | -
Total | $ 12,762 | $ 6,591 | $ 1,404 | $ 2,194 | $ 1,046 | $ 2,517 | $ 5 | $ - | $ 26,519
Totals: |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |
Pass | $ 78,731 | $ 97,728 | $ 50,043 | $ 98,613 | $ 87,184 | $ 147,510 | $ 84,403 | $ 1,432 | $ 645,644
Special Mention | - | - | - | - | - | 68 | - | - | 68
Substandard | - | 30 | 980 | 1,548 | 3,118 | 5,122 | 2,358 | 717 | 13,874
Total | $ 78,731 | $ 97,758 | $ 51,023 | $ 100,161 | $ 90,302 | $ 152,700 | $ 86,761 | $ 2,149 | $ 659,586
‎ 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 (dollars in thousands).
| 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)
Nine months ended September 30, 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 | - | - | - | 49 | - | 6 | - | - | 54 |
Consumer Closed-End | - | - | 44 | 110 | 27 | - | - | - | 181 |
Residential: | - | - | - | - | - | - | - | - | - |
Residential Mortgages | - | - | - | - | - | 9 | - | - | 9 |
Residential Consumer Construction/Land | - | - | - | - | - | - | - | - | - |
Total | $ - | $ - | $ 44 | $ 159 | $ 27 | $ 15 | $ - | $ - | $ 244 |
Year ended 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 |
| September 30, 2025
| Nonaccrual Loans
| With No Allowance | With an Allowance | Total
Commercial | $ 387 | $ 72 | $ 459
Commercial Real Estate: |  |  |
Commercial Mortgages-Owner Occupied | 30 | - | 30
Commercial Mortgages-Non-Owner Occupied | 82 | - | 82
Commercial Construction/Land | 325 | - | 325
Consumer |  |  |
Consumer Open-End | 174 | - | 174
Consumer Closed-End | 187 | - | 187
Residential: |  |  |
Residential Mortgages | 638 | - | 638
Residential Consumer Construction/Land | - | - | -
Total | $ 1,823 | $ 72 | $ 1,895
| 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 September 30, 2025
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  | $ | 398 |  | $ | 61,589 |  | $ | 61,987 |  | $ | -
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 149,824 |  |  | 149,824 |  |  | -
Commercial Mortgages-Non-Owner Occupied |  | - |  |  | - |  |  | 82 |  |  | 82 |  |  | 215,716 |  |  | 215,798 |  |  | -
Commercial Construction/Land |  | 53 |  |  | - |  |  | - |  |  | 53 |  |  | 14,311 |  |  | 14,364 |  |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Open-End |  | - |  |  | 112 |  |  | 41 |  |  | 153 |  |  | 59,522 |  |  | 59,675 |  |  | -
Consumer Closed-End |  | 25 |  |  | - |  |  | 80 |  |  | 105 |  |  | 25,649 |  |  | 25,753 |  |  | -
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 1,852 |  |  | 109 |  |  | 57 |  |  | 2,018 |  |  | 103,647 |  |  | 105,666 |  |  | -
Residential Consumer Construction/Land |  | 70 |  |  | - |  |  | - |  |  | 70 |  |  | 26,449 |  |  | 26,519 |  |  | -
Total | $ | 2,000 |  | $ | 221 |  | $ | 658 |  | $ | 2,879 |  | $ | 656,707 |  | $ | 659,586 |  | $ | -
Age Analysis of Past Due Loans as of December 31, 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, June 30, 2025 | $ 678
Provision for credit losses | 82
Balance September 30, 2025 | $ 760
Balance, December 31, 2024 | $ 543
Provision for credit losses | 217
Balance September 30, 2025 | $ 760
Allowance for Credit Losses on Unfunded Commitments |
Balance, June 30, 2024 | $ 589
Recovery of credit losses | (14)
Balance September 30, 2024 | $ 575
Balance, December 31, 2023 | $ 665
Recovery of credit losses | (90)
Balance September 30, 2024 | $ 575

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