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Loans (Tables)
 6 Months Ended
Jun. 30, 2022
Loans  
Schedule of loan portfolio

The loan portfolio of the Company consists of the following (in thousands):

​

​

​

​

​

​

​

​

​

​

June 30, 2022

​

December 31, 2021

Commercial:

​

​

​

​

​

​

Commercial and industrial

​

$

133,854

​

$

134,182

Paycheck Protection Program (PPP)

​

​

2,242

​

​

17,311

Commercial loans secured by owner occupied real estate (1)

 

​

87,781

​

​

99,644

Commercial loans secured by non-owner occupied real estate (1)

 

​

432,831

​

​

430,825

Real estate − residential mortgage (1)

 

​

292,592

​

​

287,996

Consumer

 

​

15,033

​

​

15,096

Loans, net of unearned income

​

$

964,333

​

$

985,054

(1)Real estate construction loans constituted 5.1% and 5.6% of the Company’s total loans, net of unearned income as of June 30, 2022 and December 31, 2021, respectively.
Summary of risk concentrations for commercial and commercial real estate loans by industry type

The following table provides information regarding our potential COVID-19 risk concentrations for commercial and commercial real estate loans by industry type at June 30, 2022 and December 31, 2021 (in thousands).

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​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

June 30, 2022

​

​

​

​

​

Paycheck

​

Commercial loans

​

Commercial loans

​

​

​

​

​

Commercial

​

Protection

​

secured by owner

​

secured by non-owner

​

​

​

​

    

and industrial

    

Program

    

occupied real estate

    

occupied real estate

    

Total

1-4 unit residential

​

$

14

​

$

—

​

$

—

​

$

7,695

​

$

7,709

Multifamily/apartments/student housing

​

 

—

​

 

—

​

 

230

​

 

75,476

​

 

75,706

Office

​

 

40,696

​

 

—

​

 

8,267

​

 

26,121

​

 

75,084

Retail

​

 

7,371

​

 

—

​

 

15,300

​

 

145,239

​

 

167,910

Industrial/manufacturing/warehouse

​

 

67,318

​

 

—

​

 

19,069

​

 

62,877

​

 

149,264

Hotels

​

 

—

​

 

270

​

 

—

​

 

41,701

​

 

41,971

Eating and drinking places

​

 

371

​

 

1,972

​

 

4,736

​

 

1,372

​

 

8,451

Personal care

​

 

1,037

​

 

—

​

 

—

​

 

2,685

​

 

3,722

Amusement and recreation

​

 

77

​

 

—

​

 

3,857

​

 

5

​

 

3,939

Mixed use

​

 

—

​

 

—

​

 

4,140

​

 

51,443

​

 

55,583

Other

​

 

16,970

​

 

—

​

 

32,182

​

 

18,217

​

 

67,369

Total

​

$

133,854

​

$

2,242

​

$

87,781

​

$

432,831

​

$

656,708

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

December 31, 2021

​

​

​

​

​

Paycheck

​

Commercial loans

​

Commercial loans

​

​

​

​

​

Commercial

​

Protection

​

secured by owner

​

secured by non-owner

​

​

​

​

    

and industrial

    

Program

    

occupied real estate

    

occupied real estate

    

Total

1-4 unit residential

​

$

1,246

​

$

—

​

$

96

​

$

8,565

​

$

9,907

Multifamily/apartments/student housing

​

 

—

​

 

—

​

 

245

​

 

73,912

​

 

74,157

Office

​

 

37,386

​

 

203

​

 

8,644

​

 

28,500

​

 

74,733

Retail

​

 

7,253

​

 

444

​

 

20,439

​

 

148,668

​

 

176,804

Industrial/manufacturing/warehouse

​

 

74,508

​

 

5,940

​

 

21,468

​

 

44,316

​

 

146,232

Hotels

​

 

154

​

 

1,764

​

 

—

​

 

42,425

​

 

44,343

Eating and drinking places

​

 

484

​

 

6,591

​

 

4,537

​

 

1,752

​

 

13,364

Personal care

​

 

1,197

​

 

173

​

 

—

​

 

4,315

​

 

5,685

Amusement and recreation

​

 

92

​

 

53

​

 

5,402

​

 

12

​

 

5,559

Mixed use

​

 

—

​

 

—

​

 

4,031

​

 

62,088

​

 

66,119

Other

​

 

11,862

​

 

2,143

​

 

34,782

​

 

16,272

​

 

65,059

Total

​

$

134,182

​

$

17,311

​

$

99,644

​

$

430,825

​

$

681,962