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Allowance for Credit Losses - Loans (Tables) | 3 Months Ended
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Mar. 31, 2023
Allowance for Credit Losses - Loans |
Schedule of Loan losses by portfolio segment | The following tables summarize the rollforward of the allowance for credit losses by loan portfolio segment for the three-month periods ending March 31, 2023 and 2022 (in thousands). ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three months ended March 31, 2023
​ | ​ | Balance at | ​ | Impact of Adopting | ​ | Charge- | ​ | ​ | ​ | ​ | Provision | ​ | Balance at
​ | ​ | December 31, 2022 | ​ | ASU 2016-13 | ​ | Offs | ​ | Recoveries | ​ | (Credit) | ​ | March 31, 2023
Commercial real estate (owner occupied) |  | $ | — | ​ | $ | 1,380 |  | $ | — |  | $ | 6 |  | $ | (66) |  | $ | 1,320
Other commercial and industrial | ​ | ​ | — | ​ | ​ | 2,908 | ​ | ​ | — | ​ | ​ | 1 | ​ | ​ | (36) | ​ | ​ | 2,873
Commercial real estate (non-owner occupied) - retail | ​ | ​ | — | ​ | ​ | 1,432 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 54 | ​ | ​ | 1,486
Commercial real estate (non-owner occupied) - multi-family | ​ | ​ | — | ​ | ​ | 1,226 | ​ | ​ | — | ​ | ​ | 1 | ​ | ​ | (81) | ​ | ​ | 1,146
Other commercial real estate (non-owner occupied) | ​ | ​ | 5,972 | ​ | ​ | (2,776) | ​ | ​ | — | ​ | ​ | 4 | ​ | ​ | (3) | ​ | ​ | 3,197
Commercial (owner occupied real estate and other) | ​ |  | 2,653 | ​ | ​ | (2,653) | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Residential mortgages | ​ |  | 1,380 | ​ | ​ | (355) | ​ |  | — | ​ |  | 2 | ​ |  | 5 | ​ |  | 1,032
Consumer | ​ |  | 85 | ​ | ​ | 695 | ​ |  | (139) | ​ |  | 9 | ​ |  | 428 | ​ |  | 1,078
Allocation for general risk | ​ |  | 653 | ​ | ​ | (653) | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Total | ​ | $ | 10,743 | ​ | $ | 1,204 | ​ | $ | (139) | ​ | $ | 23 | ​ | $ | 301 | ​ | $ | 12,132
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three months ended March 31, 2022
​ | ​ | Balance at | ​ | Charge- | ​ | ​ | ​ | ​ | Provision | ​ | Balance at
​ | ​ | December 31, 2021 | ​ | Offs | ​ | Recoveries | ​ | (Credit) | ​ | March 31, 2022
Commercial |  | $ | 3,071 |  | $ | (72) |  | $ | — |  | $ | 252 |  | $ | 3,251
Commercial real estate (non-owner occupied) | ​ |  | 6,392 | ​ |  | — | ​ |  | 13 | ​ |  | (475) | ​ |  | 5,930
Residential mortgages | ​ |  | 1,590 | ​ |  | — | ​ |  | 8 | ​ |  | (133) | ​ |  | 1,465
Consumer | ​ |  | 113 | ​ |  | (45) | ​ |  | 20 | ​ |  | 11 | ​ |  | 99
Allocation for general risk | ​ |  | 1,232 | ​ |  | — | ​ |  | — | ​ |  | (55) | ​ |  | 1,177
Total | ​ | $ | 12,398 | ​ | $ | (117) | ​ | $ | 41 | ​ | $ | (400) | ​ | $ | 11,922
​
Schedule of loan portfolio and allowance for credit losses | The following tables summarize the loan portfolio and allowance for credit losses (in thousands). ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At March 31, 2023
​ |  | Commercial real estate (owner occupied) |  | Other commercial and industrial |  | Commercial real estate (non-owner occupied) - retail | ​ | ​ | Commercial real estate (non-owner occupied) - multi-family |  | Other commercial real estate (non-owner occupied) |  | Residential mortgages |  | Consumer |  | Total
Loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Individually evaluated | ​ | $ | — | ​ | $ | 1,971 | ​ | $ | — | ​ | $ | — | ​ | $ | 1,554 | ​ | $ | — |  | $ | — | ​ | $ | 3,525
Collectively evaluated | ​ |  | 77,805 | ​ |  | 148,467 | ​ |  | 154,454 | ​ | ​ | 98,945 | ​ |  | 221,972 | ​ |  | 175,211 |  | ​ | 100,081 | ​ |  | 976,935
Total loans | ​ | $ | 77,805 | ​ | $ | 150,438 | ​ | $ | 154,454 | ​ | $ | 98,945 | ​ | $ | 223,526 | ​ | $ | 175,211 |  | $ | 100,081 | ​ | $ | 980,460
Allowance for credit losses: | ​ |  |  | ​ |  |  | ​ |  |  | ​ | ​ | ​ | ​ |  |  | ​ |  |  |  | ​ |  | ​ |  |
Specific reserve allocation | ​ | $ | — | ​ | $ | 416 | ​ | $ | — | ​ | $ | — | ​ | $ | 3 | ​ | $ | — | ​ | $ | — | ​ | $ | 419
General reserve allocation | ​ |  | 1,320 | ​ |  | 2,457 | ​ |  | 1,486 | ​ | ​ | 1,146 | ​ |  | 3,194 | ​ |  | 1,032 | ​ |  | 1,078 | ​ |  | 11,713
Total allowance for credit losses | ​ | $ | 1,320 | ​ | $ | 2,873 | ​ | $ | 1,486 | ​ | $ | 1,146 | ​ | $ | 3,197 | ​ | $ | 1,032 | ​ | $ | 1,078 | ​ | $ | 12,132
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At December 31, 2022
​ | ​ | ​ | ​ | ​ | Commercial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | real estate | ​ | Residential | ​ | ​ | ​ | ​ | Allocation for | ​ | ​ | ​
​ |  | Commercial |  | (non-owner occupied) |  | mortgages |  | Consumer |  | general risk |  | Total
Loans: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Individually evaluated | ​ | $ | 1,989 | ​ | $ | 1,586 | ​ | $ | — | ​ | $ | — |  | ​ |  | ​ | $ | 3,575
Collectively evaluated | ​ |  | 226,589 | ​ |  | 449,158 | ​ |  | 297,971 | ​ |  | 13,473 |  | ​ |  | ​ |  | 987,191
Total loans | ​ | $ | 228,578 | ​ | $ | 450,744 | ​ | $ | 297,971 | ​ | $ | 13,473 |  | ​ |  | ​ | $ | 990,766
Allowance for credit losses: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  |  | ​ |  | ​ |  |
Specific reserve allocation | ​ | $ | 520 | ​ | $ | 3 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 523
General reserve allocation | ​ |  | 2,133 | ​ |  | 5,969 | ​ |  | 1,380 | ​ |  | 85 | ​ |  | 653 | ​ |  | 10,220
Total allowance for credit losses | ​ | $ | 2,653 | ​ | $ | 5,972 | ​ | $ | 1,380 | ​ | $ | 85 | ​ | $ | 653 | ​ | $ | 10,743
​
Schedule of amortized cost basis of collateral-dependent loans | The following table presents the amortized cost basis of collateral-dependent loans by class of loans (in thousands). ​
​ | ​ | ​ | ​
​ | ​ | Collateral Type
March 31, 2023 | ​ | Real Estate
Commercial real estate (non-owner occupied): |  | ​ | ​
Other | ​ | $ | 1,554
Total | ​ | $ | 1,554
​
Schedule of non performing assets |
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At March 31, 2023
​ |  | Non-accrual with no ACL |  | Non-accrual with ACL |  | Total non-accrual |  | Loans past due over 90 days still accruing | ​ | OREO and repossessed assets |  | Total non-performing assets
Commercial real estate (owner occupied) | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Other commercial and industrial | ​ | ​ | — | ​ | ​ | 1,971 | ​ | ​ | 1,971 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,971
Commercial real estate (non-owner occupied) - retail | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Commercial real estate (non-owner occupied) - multi-family | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Other commercial real estate (non-owner occupied) | ​ | ​ | 1,551 | ​ | ​ | 3 | ​ | ​ | 1,554 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,554
Residential mortgages | ​ | ​ | — | ​ | ​ | 724 | ​ | ​ | 724 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 724
Consumer | ​ | ​ | — | ​ | ​ | 312 | ​ | ​ | 312 | ​ | ​ | — | ​ | ​ | 38 | ​ | ​ | 350
Total | ​ | $ | 1,551 | ​ | $ | 3,010 | ​ | $ | 4,561 | ​ | $ | — | ​ | $ | 38 | ​ | $ | 4,599
Schedule of Commercial and commercial real estate loan portfolios | ​ The following table presents the classes of the commercial and commercial real estate loan portfolios summarized by the aggregate pass and the criticized categories of special mention, substandard and doubtful within the internal risk rating system. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At March 31, 2023
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized | ​ | Converted | ​ | ​ | ​
​ | ​ | Term Loans Amortized Cost Basis by Origination Year | ​ | Cost | ​ | to | ​ | ​ | ​
​ |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Basis |  | Term |  | Total
​ | ​ | (IN THOUSANDS)
Commercial real estate (owner occupied) | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 185 | ​ | $ | 7,161 | ​ | $ | 16,399 | ​ | $ | 8,840 | ​ | $ | 13,641 | ​ | $ | 29,350 | ​ | $ | 1,277 | ​ | $ | — | ​ | $ | 76,853
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 952 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 952
Doubtful | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ | $ | 185 | ​ | $ | 7,161 | ​ | $ | 16,399 | ​ | $ | 8,840 | ​ | $ | 13,641 | ​ | $ | 30,302 | ​ | $ | 1,277 | ​ | $ | — | ​ | $ | 77,805
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Other commercial and industrial | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 2,210 | ​ | $ | 40,699 | ​ | $ | 15,050 | ​ | $ | 7,062 | ​ | $ | 9,644 | ​ | $ | 24,592 | ​ | $ | 46,462 | ​ | $ | — | ​ | $ | 145,719
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,550 | ​ | ​ | 3,169 | ​ | ​ | — | ​ | ​ | 4,719
Doubtful | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ | $ | 2,210 | ​ | $ | 40,699 | ​ | $ | 15,050 | ​ | $ | 7,062 | ​ | $ | 9,644 | ​ | $ | 26,142 | ​ | $ | 49,631 | ​ | $ | — | ​ | $ | 150,438
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Commercial real estate (non-owner occupied) - retail | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 15,954 | ​ | $ | 25,837 | ​ | $ | 33,951 | ​ | $ | 23,771 | ​ | $ | 9,512 | ​ | $ | 44,790 | ​ | $ | 639 | ​ | $ | — | ​ | $ | 154,454
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Doubtful | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ | $ | 15,954 | ​ | $ | 25,837 | ​ | $ | 33,951 | ​ | $ | 23,771 | ​ | $ | 9,512 | ​ | $ | 44,790 | ​ | $ | 639 | ​ | $ | — | ​ | $ | 154,454
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Commercial real estate (non-owner occupied) - multi-family | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 3,357 | ​ | $ | 16,730 | ​ | $ | 18,675 | ​ | $ | 12,325 | ​ | $ | 12,003 | ​ | $ | 34,387 | ​ | $ | 343 | ​ | $ | — | ​ | $ | 97,820
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,003 | ​ | ​ | — | ​ | ​ | 122 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,125
Doubtful | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Total | ​ | $ | 3,357 | ​ | $ | 16,730 | ​ | $ | 18,675 | ​ | $ | 13,328 | ​ | $ | 12,003 | ​ | $ | 34,509 | ​ | $ | 343 | ​ | $ | — | ​ | $ | 98,945
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Other commercial real estate (non-owner occupied) | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 5,050 | ​ | $ | 30,771 | ​ | $ | 50,221 | ​ | $ | 22,293 | ​ | $ | 23,602 | ​ | $ | 58,673 | ​ | $ | 5,883 | ​ | $ | — | ​ | $ | 196,493
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 138 | ​ | ​ | 155 | ​ | ​ | 8,102 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 8,395
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 7,047 | ​ | ​ | 11,389 | ​ | ​ | 199 | ​ | ​ | — | ​ | ​ | 18,635
Doubtful | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3
Total | ​ | $ | 5,050 | ​ | $ | 30,771 | ​ | $ | 50,221 | ​ | $ | 22,431 | ​ | $ | 30,804 | ​ | $ | 78,167 | ​ | $ | 6,082 | ​ | $ | — | ​ | $ | 223,526
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Total by risk rating |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Pass | ​ | $ | 26,756 | ​ | $ | 121,198 | ​ | $ | 134,296 | ​ | $ | 74,291 | ​ | $ | 68,402 | ​ | $ | 191,792 | ​ | $ | 54,604 | ​ | $ | — | ​ | $ | 671,339
Special Mention | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 138 | ​ | ​ | 155 | ​ | ​ | 8,102 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 8,395
Substandard | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 1,003 | ​ | ​ | 7,047 | ​ | ​ | 14,013 | ​ | ​ | 3,368 | ​ | ​ | — | ​ | ​ | 25,431
Doubtful | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 3
Total | ​ | $ | 26,756 | ​ | $ | 121,198 | ​ | $ | 134,296 | ​ | $ | 75,432 | ​ | $ | 75,604 | ​ | $ | 213,910 | ​ | $ | 57,972 | ​ | $ | — | ​ | $ | 705,168
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
​ ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At December 31, 2022
​ | ​ | ​ | ​ | ​ | SPECIAL | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | PASS |  | MENTION |  | SUBSTANDARD |  | DOUBTFUL |  | TOTAL
​ | ​ | (IN THOUSANDS)
Commercial and industrial | ​ | $ | 148,361 | ​ | $ | — | ​ | $ | 5,037 | ​ | $ | — | ​ | $ | 153,398
Paycheck Protection Program (PPP) | ​ | ​ | 22 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 22
Commercial real estate (owner occupied) |  | ​ | 74,187 |  | ​ | — |  | ​ | 971 |  | ​ | — |  | ​ | 75,158
Commercial real estate (non-owner occupied) |  | ​ | 423,486 |  | ​ | 11,015 |  | ​ | 16,240 |  | ​ | 3 |  | ​ | 450,744
Total | ​ | $ | 646,056 | ​ | $ | 11,015 | ​ | $ | 22,248 | ​ | $ | 3 | ​ | $ | 679,322
​
Schedule of Residential and consumer portfolio | Loans past due 90 days or more and loans in non-accrual status are considered non-performing. The following tables present the performing and non-performing outstanding balances of the residential mortgage and consumer loan portfolio classes. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At March 31, 2023
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Revolving | ​ | Revolving | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Loans | ​ | Loans | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Amortized | ​ | Converted | ​ | ​ | ​
​ | ​ | Term Loans Amortized Cost Basis by Origination Year | ​ | Cost | ​ | to | ​ | ​ | ​
​ |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Basis |  | Term |  | Total
​ | ​ | (IN THOUSANDS)
Residential mortgages | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | $ | 1,074 | ​ | $ | 11,880 | ​ | $ | 65,100 | ​ | $ | 46,870 | ​ | $ | 7,833 | ​ | $ | 41,730 | ​ | $ | — | ​ | $ | — | ​ | $ | 174,487
Non-performing | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 724 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 724
Total | ​ | $ | 1,074 | ​ | $ | 11,880 | ​ | $ | 65,100 | ​ | $ | 46,870 | ​ | $ | 7,833 | ​ | $ | 42,454 | ​ | $ | — | ​ | $ | — | ​ | $ | 175,211
Current period gross charge-offs | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Consumer | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | $ | 3,290 | ​ | $ | 23,834 | ​ | $ | 11,627 | ​ | $ | 4,054 | ​ | $ | 1,533 | ​ | $ | 5,925 | ​ | $ | 49,309 | ​ | $ | 197 | ​ | $ | 99,769
Non-performing | ​ | ​ | 17 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 50 | ​ | ​ | 49 | ​ | ​ | 174 | ​ | ​ | 22 | ​ | ​ | — | ​ | ​ | 312
Total | ​ | $ | 3,307 | ​ | $ | 23,834 | ​ | $ | 11,627 | ​ | $ | 4,104 | ​ | $ | 1,582 | ​ | $ | 6,099 | ​ | $ | 49,331 | ​ | $ | 197 | ​ | $ | 100,081
Current period gross charge-offs | ​ | $ | 3 | ​ | $ | 35 | ​ | $ | 17 | ​ | $ | — | ​ | $ | — | ​ | $ | 84 | ​ | $ | — | ​ | $ | — | ​ | $ | 139
Total by payment performance |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Performing | ​ | $ | 4,364 | ​ | $ | 35,714 | ​ | $ | 76,727 | ​ | $ | 50,924 | ​ | $ | 9,366 | ​ | $ | 47,655 | ​ | $ | 49,309 | ​ | $ | 197 | ​ | $ | 274,256
Non-performing | ​ | ​ | 17 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 50 | ​ | ​ | 49 | ​ | ​ | 898 | ​ | ​ | 22 | ​ | ​ | — | ​ | ​ | 1,036
Total | ​ | $ | 4,381 | ​ | $ | 35,714 | ​ | $ | 76,727 | ​ | $ | 50,974 | ​ | $ | 9,415 | ​ | $ | 48,553 | ​ | $ | 49,331 | ​ | $ | 197 | ​ | $ | 275,292
Current period gross charge-offs | ​ | $ | 3 | ​ | $ | 35 | ​ | $ | 17 | ​ | $ | — | ​ | $ | — | ​ | $ | 84 | ​ | $ | — | ​ | $ | — | ​ | $ | 139
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At December 31, 2022
​ |  | ​ | ​ |  | NON- | ​ |  | ​
​ |  | PERFORMING |  | PERFORMING |  | TOTAL
​ | ​ | (IN THOUSANDS)
Residential mortgages | ​ | $ | 296,401 | ​ | $ | 1,570 | ​ | $ | 297,971
Consumer | ​ |  | 13,457 | ​ |  | 16 | ​ | ​ | 13,473
Total | ​ | $ | 309,858 | ​ | $ | 1,586 | ​ | $ | 311,444
​
Schedule of Credit quality of the loan portfolio | The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and non-accrual loans. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At March 31, 2023
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | 30 – 59 | ​ | 60 – 89 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | DAYS | ​ | DAYS | ​ | 90 DAYS | ​ | TOTAL | ​ | TOTAL
​ |  | CURRENT |  | PAST DUE |  | PAST DUE |  | PAST DUE |  | PAST DUE |  | LOANS
​ | ​ | (IN THOUSANDS)
Commercial real estate (owner occupied) | ​ | $ | 77,805 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 77,805
Other commercial and industrial | ​ | ​ | 150,138 | ​ | ​ | 250 | ​ | ​ | — | ​ | ​ | 50 | ​ | ​ | 300 | ​ | ​ | 150,438
Commercial real estate (non-owner occupied) - retail | ​ |  | 154,454 | ​ |  | — | ​ | ​ | — | ​ |  | — | ​ |  | — | ​ | ​ | 154,454
Commercial real estate (non-owner occupied) - multi-family | ​ |  | 98,945 | ​ |  | — | ​ | ​ | — | ​ |  | — | ​ |  | — | ​ | ​ | 98,945
Other commercial real estate (non-owner occupied) | ​ | ​ | 215,382 | ​ | ​ | 8,144 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 8,144 | ​ | ​ | 223,526
Residential mortgages | ​ |  | 173,177 | ​ |  | 1,340 | ​ | ​ | 95 | ​ |  | 599 | ​ |  | 2,034 | ​ | ​ | 175,211
Consumer | ​ |  | 99,270 | ​ |  | 548 | ​ | ​ | 155 | ​ |  | 108 | ​ |  | 811 | ​ | ​ | 100,081
Total | ​ | $ | 969,171 | ​ | $ | 10,282 | ​ | $ | 250 | ​ | $ | 757 | ​ | $ | 11,289 | ​ | $ | 980,460
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | At December 31, 2022
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | 30 – 59 | ​ | 60 – 89 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | DAYS | ​ | DAYS | ​ | 90 DAYS | ​ | TOTAL | ​ | TOTAL
​ |  | CURRENT |  | PAST DUE |  | PAST DUE |  | PAST DUE |  | PAST DUE |  | LOANS
​ | ​ | (IN THOUSANDS)
Commercial and industrial | ​ | $ | 152,314 | ​ | $ | 797 | ​ | $ | 287 | ​ | $ | — | ​ | $ | 1,084 | ​ | $ | 153,398
Paycheck Protection Program (PPP) | ​ | ​ | 22 | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | 22
Commercial real estate (owner occupied) | ​ |  | 74,960 | ​ |  | 198 | ​ | ​ | — | ​ |  | — | ​ |  | 198 | ​ | ​ | 75,158
Commercial real estate (non-owner occupied) | ​ |  | 446,809 | ​ |  | 3,935 | ​ | ​ | — | ​ |  | — | ​ |  | 3,935 | ​ | ​ | 450,744
Residential mortgages | ​ |  | 295,790 | ​ |  | 489 | ​ | ​ | 422 | ​ |  | 1,270 | ​ |  | 2,181 | ​ | ​ | 297,971
Consumer | ​ |  | 13,290 | ​ |  | 60 | ​ | ​ | 114 | ​ |  | 9 | ​ |  | 183 | ​ | ​ | 13,473
Total | ​ | $ | 983,185 | ​ | $ | 5,479 | ​ | $ | 823 | ​ | $ | 1,279 | ​ | $ | 7,581 | ​ | $ | 990,766
​
Schedule of modifications made to borrowers experiencing financial difficulty | The following table summarizes the amortized cost basis, as of March 31, 2023, of loans modified to borrowers experiencing financial difficulty during the three months ended March 31, 2023 (in thousands). ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Three months ended March 31, 2023 | ​
​ | ​ | Term Extension | ​
​ |  | Amortized Cost Basis |  | % of Total Class of Loans |
Other commercial and industrial | ​ | $ | 439 | ​ | ​ | 0.29 | %
Total | ​ | $ | 439 | ​ | ​ | ​ | ​
​ ​
​ | ​ | ​
Term Extension
Loan Type |  | Financial Effect
Other commercial and industrial | ​ | Provided five month expiration date extension on non-accrual line of credit under which availability has been eliminated
​
Schedule of loan modified as a TDR | The following table details the loan modified as a TDR during the three-month period ended March 31, 2022 (dollars in thousands). ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Loans in non-accrual status |  | # of Loans |  | Current Balance |  | Concession Granted
Commercial and industrial |  | 1 | ​ | $ | 472 |  | Subsequent modification of a TDR - Extension of maturity date with a below market interest rate

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