Schedule of loan portfolio and allowance for credit losses

The following tables summarize the loan portfolio and allowance for credit losses (in thousands).

At September 30, 2025

Commercial real estate (owner occupied)

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

$

3,818

$

3,607

$

1,126

$

—

$

7,972

$

161

$

—

$

16,684

Collectively evaluated

84,663

136,754

179,423

125,754

228,380

172,451

111,574

1,038,999

Total loans

$

88,481

$

140,361

$

180,549

$

125,754

$

236,352

$

172,612

$

111,574

$

1,055,683

Allowance for credit losses:

Specific reserve allocation

$

—

$

1,609

$

—

$

—

$

185

$

—

$

—

$

1,794

General reserve allocation

318

2,098

3,493

1,378

3,878

303

1,146

12,614

Total allowance for credit losses

$

318

$

3,707

$

3,493

$

1,378

$

4,063

$

303

$

1,146

$

14,408


	At December 31, 2024
	Commercial real estate (owner occupied)		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	$	3,429	$	1,675	$	—	$	—	$	8,773	$	379	$	10	$	14,266
Collectively evaluated		83,524		145,576		181,778		132,364		225,109		176,731		108,601		1,053,683
Total loans	$	86,953	$	147,251	$	181,778	$	132,364	$	233,882	$	177,110	$	108,611	$	1,067,949
Allowance for credit losses:
Specific reserve allocation	$	—	$	541	$	—	$	—	$	—	$	—	$	—	$	541
General reserve allocation		398		2,319		3,695		1,478		3,451		839		1,191		13,371
Total allowance for credit losses	$	398	$	2,860	$	3,695	$	1,478	$	3,451	$	839	$	1,191	$	13,912

Schedule of non performing assets from the loan portfolio

The following table presents non-accrual loans, loans past due 90 days or more still accruing interest, and OREO and repossessed assets by portfolio class (in thousands)

At September 30, 2025

Non-accrual with no ACL

Non-accrual with ACL

Total non-accrual

Loans past due 90 days or more still accruing

OREO and repossessed assets

Total non-performing assets

Commercial real estate (owner occupied)

$

3,818

$

—

$

3,818

$

—

$

—

$

3,818

Commercial and industrial

1,003

2,607

3,610

44

216

3,870

Commercial real estate (non-owner occupied) - retail

606

—

606

—

606

Other commercial real estate (non-owner occupied)

2,077

3,462

5,539

—

5,539

Residential mortgages

161

52

213

243

—

456

Consumer

—

635

5

24

664

Total

$

7,665

$

6,756

$

14,421

$

292

$

240

$

14,953


	At December 31, 2024
	Non-accrual with no ACL		Non-accrual with ACL		Total non-accrual		Loans past due 90 days or more still accruing		OREO and repossessed assets		Total non-performing assets
Commercial real estate (owner occupied)	$	152	$	—	$	152	$	—	$	—	$	152
Commercial and industrial		—		675		675		97		234		1,006
Other commercial real estate (non-owner occupied)		8,773		—		8,773		—		1,476		10,249
Residential mortgages		379		—		379		26		14		419
Consumer		10		821		831		—		—		831
Total	$	9,314	$	1,496	$	10,810	$	123	$	1,724	$	12,657

Schedule of Residential and consumer portfolio


	At September 30, 2025
													Revolving		Revolving
													Loans		Loans
													Amortized		Converted
	Term Loans Amortized Cost Basis by Origination Year												Cost		to
	2025		2024		2023		2022		2021		Prior		Basis		Term		Total

	(In Thousands)
Residential mortgages
Performing	$	3,492	$	13,941	$	15,317	$	10,184	$	54,195	$	75,027	$	—	$	—	$	172,156
Non-performing		—		—		—		—		156		300		—		—		456
Total	$	3,492	$	13,941	$	15,317	$	10,184	$	54,351	$	75,327	$	—	$	—	$	172,612
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer
Performing	$	9,585	$	9,260	$	8,677	$	13,637	$	6,294	$	5,712	$	57,737	$	32	$	110,934
Non-performing		—		6		76		18		—		338		197		5		640
Total	$	9,585	$	9,266	$	8,753	$	13,655	$	6,294	$	6,050	$	57,934	$	37	$	111,574
Current period gross charge-offs	$	1	$	28	$	32	$	4	$	—	$	61	$	—	$	—	$	126
Total by payment performance
Performing	$	13,077	$	23,201	$	23,994	$	23,821	$	60,489	$	80,739	$	57,737	$	32	$	283,090
Non-performing		—		6		76		18		156		638		197		5		1,096
Total	$	13,077	$	23,207	$	24,070	$	23,839	$	60,645	$	81,377	$	57,934	$	37	$	284,186
Current period gross charge-offs	$	1	$	28	$	32	$	4	$	—	$	61	$	—	$	—	$	126


	At December 31, 2024
													Revolving		Revolving
													Loans		Loans
													Amortized		Converted
	Term Loans Amortized Cost Basis by Origination Year												Cost		to
	2024		2023		2022		2021		2020		Prior		Basis		Term		Total

	(In Thousands)
Residential mortgages
Performing	$	12,877	$	15,602	$	10,400	$	57,540	$	41,868	$	38,418	$	—	$	—	$	176,705
Non-performing		—		—		—		—		—		405		—		—		405
Total	$	12,877	$	15,602	$	10,400	$	57,540	$	41,868	$	38,823	$	—	$	—	$	177,110
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Consumer
Performing	$	11,476	$	10,988	$	16,397	$	7,605	$	2,475	$	4,299	$	53,876	$	664	$	107,780
Non-performing		—		110		46		—		59		344		272		—		831
Total	$	11,476	$	11,098	$	16,443	$	7,605	$	2,534	$	4,643	$	54,148	$	664	$	108,611
Current period gross charge-offs	$	5	$	6	$	21	$	19	$	13	$	143	$	—	$	—	$	207
Total by payment performance
Performing	$	24,353	$	26,590	$	26,797	$	65,145	$	44,343	$	42,717	$	53,876	$	664	$	284,485
Non-performing		—		110		46		—		59		749		272		—		1,236
Total	$	24,353	$	26,700	$	26,843	$	65,145	$	44,402	$	43,466	$	54,148	$	664	$	285,721
Current period gross charge-offs	$	5	$	6	$	21	$	19	$	13	$	143	$	—	$	—	$	207

Schedule of modifications made to borrowers experiencing financial difficulty

The following tables summarize the amortized cost basis of loans modified to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2025 and 2024 (in thousands).


	Three months ended September 30, 2025
	Term Extension
	Amortized Cost Basis		% of Total Class of Loans
Other commercial real estate (non-owner occupied)	$	2,442		1.03	%
Total	$	2,442


	Nine months ended September 30, 2025
	Term Extension
	Amortized Cost Basis		% of Total Class of Loans
Other commercial real estate (non-owner occupied)	$	2,442		1.03	%
Residential mortgages		191		0.11
Total	$	2,633

As of September 30, 2025, the modified loans described in the tables above were current as to payments.


	Three and nine months ended September 30, 2024
	Payment Delay
	Amortized Cost Basis		% of Total Class of Loans
Commercial real estate (owner occupied)	$	158		0.20	%
Total	$	158

	Combination - Term Extension and Payment Delay
	Amortized Cost Basis		% of Total Class of Loans
Commercial and industrial	$	154		0.11	%
Total	$	154


Three months ended September 30, 2025
Term Extension
Loan Type		Financial Effect
Other commercial real estate (non-owner occupied)		Provided a maturity date extension of 15 months. In connection with the modification, the borrower pledged a $1.0 million Bank deposit as additional collateral.


Nine months ended September 30, 2025
Term Extension
Loan Type		Financial Effect
Other commercial real estate (non-owner occupied)		Provided a maturity date extension of 15 months. In connection with the modification, the borrower pledged a $1.0 million Bank deposit as additional collateral.
Residential mortgages		Provided a maturity date extension of 230 months (approximately 19 years).


Three and nine months ended September 30, 2024
Payment Delay
Loan Type		Financial Effect
Commercial real estate (owner occupied)		Provided 60 months of additional amortization period to lower borrower's monthly payment.

Combination - Term Extension and Payment Delay
Loan Type		Financial Effect
Commercial and industrial		During the first and second quarters of 2024, provided a maturity date extension of 90 days and modified seasonal principal and interest payments to interest only until maturity. During the third quarter of 2024, provided the same borrower an additional maturity date extension of 90 days with continued interest only payments.