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Loans (Tables)
 9 Months Ended
Sep. 30, 2022
Loans  
Schedule of loan portfolio

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

​

​

​

​

​

​

​

​

​

​

September 30, 2022

​

December 31, 2021

Commercial:

​

​

​

​

​

​

Commercial and industrial

​

$

128,116

​

$

134,182

Paycheck Protection Program (PPP)

​

​

24

​

​

17,311

Commercial loans secured by owner occupied real estate (1)

 

​

80,247

​

​

99,644

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

 

​

459,943

​

​

430,825

Real estate − residential mortgage (1)

 

​

297,384

​

​

287,996

Consumer

 

​

13,736

​

​

15,096

Loans, net of unearned income

​

$

979,450

​

$

985,054

(1)Real estate construction loans constituted 4.5% and 5.6% of the Company’s total loans, net of unearned income as of September 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 September 30, 2022 and December 31, 2021 (in thousands).

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

September 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

​

$

5

​

$

—

​

$

—

​

$

8,778

​

$

8,783

Multifamily/apartments/student housing

​

 

—

​

 

—

​

 

267

​

 

82,181

​

 

82,448

Office

​

 

37,622

​

 

—

​

 

8,059

​

 

24,081

​

 

69,762

Retail

​

 

7,030

​

 

—

​

 

17,348

​

 

154,010

​

 

178,388

Industrial/manufacturing/warehouse

​

 

64,321

​

 

—

​

 

11,442

​

 

77,368

​

 

153,131

Hotels

​

 

—

​

 

—

​

 

—

​

 

41,162

​

 

41,162

Eating and drinking places

​

 

303

​

 

24

​

 

4,656

​

 

1,363

​

 

6,346

Personal care

​

 

959

​

 

—

​

 

—

​

 

2,666

​

 

3,625

Amusement and recreation

​

 

77

​

 

—

​

 

3,819

​

 

3

​

 

3,899

Mixed use

​

 

—

​

 

—

​

 

4,181

​

 

49,833

​

 

54,014

Other

​

 

17,799

​

 

—

​

 

30,475

​

 

18,498

​

 

66,772

Total

​

$

128,116

​

$

24

​

$

80,247

​

$

459,943

​

$

668,330

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

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