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v3.25.1

ALLOWANCE FOR CREDIT LOSSES - LOANS - Loan portfolio and allowance for credit losses (Details) - USD ($) $ in Thousands | Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
--- | --- | --- | ---
Loans: |  |  |
Individually evaluated | $ 14,266 | $ 10,834 |
Collectively evaluated | 1,053,683 | 1,027,437 |
Total loans | 1,067,949 | 1,038,271 |
Allowance for loan losses: |  |  |
Specific reserve allocation | 541 | 414 |
General reserve allocation | 13,371 | 14,639 |
Total allowance for credit losses | 13,912 | 15,053 | $ 10,743
Other commercial and industrial |  |  |
Loans: |  |  |
Individually evaluated | 1,675 | 1,694 |
Collectively evaluated | 145,576 | 157,730 |
Total loans | 147,251 | 159,424 |
Allowance for loan losses: |  |  |
Specific reserve allocation | 541 | 414 |
General reserve allocation | 2,319 | 2,616 |
Total allowance for credit losses | 2,860 | 3,030 |
Other commercial real estate (non-owner occupied) |  |  |
Loans: |  |  |
Individually evaluated | 8,773 | 8,780 |
Collectively evaluated | 225,109 | 231,506 |
Total loans | 233,882 | 240,286 |
Allowance for loan losses: |  |  |
General reserve allocation | 3,451 | 3,428 |
Total allowance for credit losses | 3,451 | 3,428 | 5,972
Residential mortgages |  |  |
Loans: |  |  |
Individually evaluated | 379 | 173 |
Collectively evaluated | 176,731 | 174,497 |
Total loans | 177,110 | 174,670 |
Allowance for loan losses: |  |  |
General reserve allocation | 839 | 1,021 |
Total allowance for credit losses | 839 | 1,021 | 1,380
Commercial Portfolio Segment |  |  |
Loans: |  |  |
Total loans | 782,228 | 760,826 |
Commercial Portfolio Segment | Commercial real estate (owner occupied) |  |  |
Loans: |  |  |
Individually evaluated | 3,429 | 187 |
Collectively evaluated | 83,524 | 88,960 |
Total loans | 86,953 | 89,147 |
Allowance for loan losses: |  |  |
General reserve allocation | 398 | 1,529 |
Total allowance for credit losses | 398 | 1,529 |
Commercial Portfolio Segment | Other commercial and industrial |  |  |
Loans: |  |  |
Total loans | 147,251 | 159,424 |
Commercial Portfolio Segment | Commercial real estate (non-owner occupied) - retail |  |  |
Loans: |  |  |
Collectively evaluated | 181,778 | 161,961 |
Total loans | 181,778 | 161,961 |
Allowance for loan losses: |  |  |
General reserve allocation | 3,695 | 3,488 |
Total allowance for credit losses | 3,695 | 3,488 |
Commercial Portfolio Segment | Commercial real estate (non-owner occupied) - multi-family |  |  |
Loans: |  |  |
Collectively evaluated | 132,364 | 110,008 |
Total loans | 132,364 | 110,008 |
Allowance for loan losses: |  |  |
General reserve allocation | 1,478 | 1,430 |
Total allowance for credit losses | 1,478 | 1,430 |
Commercial Portfolio Segment | Other commercial real estate (non-owner occupied) |  |  |
Loans: |  |  |
Total loans | 233,882 | 240,286 |
Consumer |  |  |
Loans: |  |  |
Total loans | 285,721 | 277,445 |
Consumer | Residential mortgages |  |  |
Loans: |  |  |
Total loans | 177,110 | 174,670 |
Consumer | Consumer |  |  |
Loans: |  |  |
Individually evaluated | 10 |  |
Collectively evaluated | 108,601 | 102,775 |
Total loans | 108,611 | 102,775 |
Allowance for loan losses: |  |  |
General reserve allocation | 1,191 | 1,127 |
Total allowance for credit losses | $ 1,191 | $ 1,127 | $ 85

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