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Loans | 9 Months Ended
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Sep. 30, 2025
Loans |
Loans | 7. Loans Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of any deferred fees or costs and an allowance for credit losses. Interest income is accrued on the unpaid principal balance. As of September 30, 2025 and December 31, 2024, accrued interest receivable on loans totaled $4.5 million and $4.2 million, respectively, which is reported in accrued interest income receivable on the Consolidated Balance Sheets and is excluded from the estimate of credit losses. Loan origination and commitment fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield (interest income) over the contractual life of the loan. ​ The segments of the Company’s loan portfolio are disaggregated into classes that allow management to monitor risk and performance. The loan classes used are consistent with the internal reports evaluated by the Company’s management and Board of Directors to monitor risk and performance within various segments of its loan portfolio. The commercial loan segment includes both the owner occupied commercial real estate loan and the commercial and industrial loan classes. The commercial real estate loan segment includes the non-owner occupied commercial real estate loan classes of retail, multi-family, and other. The residential mortgage loan segment is comprised of first lien amortizing residential mortgage loans while the consumer loan segment consists primarily of home equity loans secured by residential real estate, installment loans, and overdraft lines of credit associated with customer deposit accounts. ​ The loan portfolio of the Company consisted of the following (in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | September 30, 2025 | ​ | December 31, 2024
Commercial: | ​ | ​ | ​ | ​ | ​ | ​
Commercial real estate (owner occupied) (1) | ​ | $ | 88,481 | ​ | $ | 86,953
Commercial and industrial | ​ | ​ | 140,361 | ​ | ​ | 147,251
Commercial real estate (non-owner occupied): |  | ​ | ​ | ​ | ​ | ​
Retail (1) | ​ | ​ | 180,549 | ​ | ​ | 181,778
Multi-family (1) | ​ | ​ | 125,754 | ​ | ​ | 132,364
Other (1) | ​ | ​ | 236,352 | ​ | ​ | 233,882
Residential mortgages (1) |  | ​ | 172,612 | ​ | ​ | 177,110
Consumer |  | ​ | 111,574 | ​ | ​ | 108,611
Loans, net of unearned income | ​ | $ | 1,055,683 | ​ | $ | 1,067,949
(1) | Real estate construction loans constituted 4.6% and 3.6% of the Company’s total loans, net of unearned income as of September 30, 2025 and December 31, 2024, respectively.
​ Loan balances at September 30, 2025 and December 31, 2024 are net of unearned income of $532,000 and $517,000, respectively.

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