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ALLOWANCE FOR CREDIT LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2024
Receivables [Abstract] |
Schedule of Allowance for Credit Losses by Loan Segment, for Unfunded Commitments and Recorded Investment in Loans by Loan Segment | The following schedules present the activity in the ACL by loan segment for the three and nine months ended September 30, 2024 and September 30, 2023:
Three Months Ended | Real Estate - Residential |  | Real Estate - Commercial |  | Real Estate - Construction and Land |  | Commercial and Industrial |  |  |  | Consumer and Other |  |  |  | Total
September 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 1,234 |  |  | $ | 1,864 |  |  | $ | 555 |  |  | $ | 7,714 |  |  |  |  | $ | 2,476 |  |  |  |  | $ | 13,843 |
Charge-offs | (20) |  |  | — |  |  | — |  |  | (2,375) |  |  |  |  | (550) |  |  |  |  | (2,945) |
Recoveries | — |  |  | 2 |  |  | — |  |  | 111 |  |  |  |  | 75 |  |  |  |  | 188 |
Provision | (41) |  |  | (3) |  |  | (41) |  |  | 2,855 |  |  |  |  | 330 |  |  |  |  | 3,100 |
Ending Balance | $ | 1,173 |  |  | $ | 1,863 |  |  | $ | 514 |  |  | $ | 8,305 |  |  |  |  | $ | 2,331 |  |  |  |  | $ | 14,186 |
September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 2,542 |  |  | $ | 1,889 |  |  | $ | 359 |  |  | $ | 7,011 |  |  |  |  | $ | 797 |  |  |  |  | $ | 12,598 |
Charge-offs | — |  |  | (108) |  |  | — |  |  | (1,542) |  |  |  |  | (875) |  |  |  |  | (2,525) |
Recoveries | 8 |  |  | 75 |  |  | — |  |  | 114 |  |  |  |  | 93 |  |  |  |  | 290 |
Provision | 131 |  |  | (298) |  |  | 121 |  |  | 1,861 |  |  |  |  | 1,187 |  |  |  |  | 3,002 |
Ending Balance | $ | 2,681 |  |  | $ | 1,558 |  |  | $ | 480 |  |  | $ | 7,444 |  |  |  |  | $ | 1,202 |  |  |  |  | $ | 13,365 |
| Real Estate - Residential |  | Real Estate - Commercial |  | Real Estate - Construction and Land |  | Commercial and Industrial |  |  |  | Consumer and Other |  | Unallocated |  | Total
Nine Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
September 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 1,987 |  |  | $ | 1,818 |  |  | $ | 519 |  |  | $ | 6,579 |  |  |  |  | $ | 2,594 |  |  | $ | — |  |  | $ | 13,497 |
Charge-offs | (20) |  |  | (60) |  |  | — |  |  | (7,898) |  |  |  |  | (2,299) |  |  | — |  |  | (10,277) |
Recoveries | — |  |  | 6 |  |  | — |  |  | 352 |  |  |  |  | 249 |  |  | — |  |  | 607 |
Provision | (794) |  |  | 99 |  |  | (5) |  |  | 9,272 |  |  |  |  | 1,787 |  |  | — |  |  | 10,359 |
Ending Balance | $ | 1,173 |  |  | $ | 1,863 |  |  | $ | 514 |  |  | $ | 8,305 |  |  |  |  | $ | 2,331 |  |  | $ | — |  |  | $ | 14,186 |
September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance | $ | 731 |  |  | $ | 956 |  |  | $ | 28 |  |  | $ | 6,182 |  |  |  |  | $ | 1,090 |  |  | $ | 59 |  |  | $ | 9,046 |
Impact of adopting ASC 326 | 1,479 |  |  | 613 |  |  | 281 |  |  | 1,116 |  |  |  |  | (323) |  |  | (59) |  |  | 3,107 |
Charge-offs | — |  |  | (108) |  |  | — |  |  | (4,660) |  |  |  |  | (2,214) |  |  | — |  |  | (6,982) |
Recoveries | 8 |  |  | 77 |  |  | — |  |  | 303 |  |  |  |  | 219 |  |  | — |  |  | 607 |
Provision | 463 |  |  | 20 |  |  | 171 |  |  | 4,503 |  |  |  |  | 2,430 |  |  | — |  |  | 7,587 |
Ending Balance | $ | 2,681 |  |  | $ | 1,558 |  |  | $ | 480 |  |  | $ | 7,444 |  |  |  |  | $ | 1,202 |  |  | $ | — |  |  | $ | 13,365 |
Schedule of Allowance for Credit Loss on Unfunded Commitments | The following table presents the activity in the ACL for unfunded commitments for the three and nine months ended September 30, 2024 and September 30, 2023:
| For the Three Months Ended |  | For the Nine Months Ended
| September 30, 2024 |  | September 30, 2023 |  | September 30, 2024 |  | September 30, 2023
Balance at beginning of period | $ | 641 |  |  | $ | 844 |  |  | $ | 839 |  |  | $ | 511 |
Impact of adopting ASC 326 | — |  |  | — |  |  | — |  |  | 213 |
Provision for credit losses on unfunded commitments | 23 |  |  | — |  |  | (175) |  |  | 120 |
Unfunded commitments charge-offs | — |  |  | — |  |  | — |  |  | — |
Unfunded commitments recoveries | — |  |  | — |  |  | — |  |  | — |
Balance at end of period | $ | 664 |  |  | $ | 844 |  |  | $ | 664 |  |  | $ | 844 |
Schedule of Recorded Investment in Nonaccrual and Loans Past Due over 89 Days Still on Accrual by Loan Segment | The following tables present the principal balance of nonaccrual loans and loans past due over 89 days still on accrual by loan segment at September 30, 2024 and December 31, 2023. In the following tables, the principal balance does not include the government guaranteed balance or loans measured at fair value.
September 30, 2024 | Nonaccrual with no ACL(1) |  | Nonaccrual with ACL(1) |  | Loans Past Due Over 89 Days Still Accruing(1)
Real estate - residential | $ | — |  |  | $ | 4,838 |  |  | $ | 233 |  |
Real estate - commercial | — |  |  | 4,207 |  |  | — |  |
Commercial and industrial | — |  |  | 1,429 |  |  | 3 |  |
Consumer and other | — |  |  | — |  |  | 282 |  |
Total | $ | — |  |  | $ | 10,474 |  |  | $ | 518 |  |
December 31, 2023 | Nonaccrual with no ACL(1) |  | Nonaccrual with ACL(1) |  | Loans Past Due Over 89 Days Still Accruing(1)
Real estate - residential | $ | — |  |  | $ | 4,654 |  |  | $ | 583 |
Real estate - commercial | — |  |  | 1,159 |  |  | — |
Commercial and industrial | — |  |  | 1,587 |  |  | — |
Consumer and other | — |  |  | — |  |  | 282 |
Total | $ | — |  |  | $ | 7,400 |  |  | $ | 865 |
(1) Excludes loans measured at fair value. See Note 6. Fair Value for additional information.
Schedule of Credit Exposure for the Loan Portfolio Disaggregated by Loan Segment | The following table presents the principal balance of individually analyzed collateral dependent loans by loan portfolio segment as of December 31, 2023:
December 31, 2023 |  |  |  | Type of Collateral |  | ACL
|  |  |  |  | Business Assets |  |
Commercial and industrial |  |  |  |  | $ | 390 |  |  | $ | 255 |
The table below sets forth principal balance for the commercial loan portfolio disaggregated by loan segment based on internally assigned risk ratings at September 30, 2024 and gross write offs for the nine months ended September 30, 2024:
|  |  |  |  |  |  |  |  |  |  | Revolving |  | Revolving |  |
|  |  |  |  |  |  |  |  |  |  | Loans |  | Loans |  |
| Term Loans Amortized Cost Basis by Origination Year |  | Amortized |  | Converted |  |
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Cost Basis |  | to Term |  | Total
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 40,742 |  |  | $ | 67,755 |  |  | $ | 71,376 |  |  | $ | 47,918 |  |  | $ | 53,626 |  |  | $ | 2,528 |  |  | $ | — |  |  | $ | 283,945 |
Special mention | 154 |  |  | 814 |  |  | 2,368 |  |  | 117 |  |  | 410 |  |  | 10 |  |  | — |  |  | 3,873 |
Substandard | — |  |  | 2,971 |  |  | 291 |  |  | 99 |  |  | 847 |  |  | — |  |  | — |  |  | 4,208 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total real estate - commercial loans, at amortized cost, gross | 40,896 |  |  | 71,540 |  |  | 74,035 |  |  | 48,134 |  |  | 54,883 |  |  | 2,538 |  |  | — |  |  | 292,026 |
Gross write offs | — |  |  | — |  |  | 60 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 60 |
Real estate - construction and land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,951 |  |  | 19,747 |  |  | 9,245 |  |  | 2,841 |  |  | — |  |  | — |  |  | — |  |  | 33,784 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total real estate - construction and land loans, at amortized cost, gross | 1,951 |  |  | 19,747 |  |  | 9,245 |  |  | 2,841 |  |  | — |  |  | — |  |  | — |  |  | 33,784 |
Gross write offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
|  |  |  |  |  |  |  |  |  |  | Revolving |  | Revolving |  |
|  |  |  |  |  |  |  |  |  |  | Loans |  | Loans |  |
| Term Loans Amortized Cost Basis by Origination Year |  | Amortized |  | Converted |  |
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Cost Basis |  | to Term |  | Total
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 51,316 |  |  | 42,657 |  |  | 35,791 |  |  | 11,170 |  |  | 39,896 |  |  | 9,057 |  |  | — |  |  | 189,887 |
Special mention | 215 |  |  | 1,994 |  |  | 2,268 |  |  | 626 |  |  | 3,739 |  |  | — |  |  | — |  |  | 8,842 |
Substandard | — |  |  | 42 |  |  | 459 |  |  | 11 |  |  | 971 |  |  | — |  |  | — |  |  | 1,483 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial and industrial loans, at amortized cost, gross | 51,531 |  |  | 44,693 |  |  | 38,518 |  |  | 11,807 |  |  | 44,606 |  |  | 9,057 |  |  | — |  |  | 200,212 |
Gross write offs | — |  |  | 2,533 |  |  | 2,572 |  |  | 317 |  |  | 2,476 |  |  | — |  |  | — |  |  | 7,898 |
Commercial and industrial - PPP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | — |  |  | 223 |  |  | 434 |  |  | — |  |  | — |  |  | 657 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | 999 |  |  | — |  |  | — |  |  | 999 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial and industrial - PPP loans, at amortized cost, gross | — |  |  | — |  |  | — |  |  | 223 |  |  | 1,433 |  |  | — |  |  | — |  |  | 1,656 |
Gross write offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
The table below sets forth principal balance for the commercial loan portfolio disaggregated by loan segment based on internally assigned risk ratings at December 31, 2023 and gross write offs for the year ended December 31, 2023:
|  |  |  |  |  |  |  |  | Revolving |  | Revolving |  |  |  |
|  |  |  |  |  |  |  |  | Loans |  | Loans |  |  |  |
| Term Loans Amortized Cost Basis by Origination Year |  | Amortized |  | Converted |  |  |  |
| 2023 |  | 2022 |  | 2021 |  | Prior |  | Cost Basis |  | to Term |  | Total |  |
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 94,092 |  |  | $ | 79,712 |  |  | $ | 50,985 |  |  | $ | 64,648 |  |  | $ | 2,439 |  |  | $ | — |  |  | $ | 291,876 |  |  |
Special mention | — |  |  | 482 |  |  | 78 |  |  | — |  |  | — |  |  | — |  |  | 560 |  |  |
Substandard | — |  |  | 195 |  |  | 31 |  |  | 933 |  |  | — |  |  | — |  |  | 1,159 |  |  |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |
Total real estate - commercial loans, at amortized cost, gross | 94,092 |  |  | 80,389 |  |  | 51,094 |  |  | 65,581 |  |  | 2,439 |  |  | — |  |  | 293,595 |  |  |
Gross write offs | — |  |  | 101 |  |  | — |  |  | 7 |  |  | — |  |  | — |  |  | 108 |  |  |
|  |  |  |  |  |  |  |  | Revolving |  | Revolving |  |  |  |
|  |  |  |  |  |  |  |  | Loans |  | Loans |  |  |  |
| Term Loans Amortized Cost Basis by Origination Year |  | Amortized |  | Converted |  |  |  |
| 2023 |  | 2022 |  | 2021 |  | Prior |  | Cost Basis |  | to Term |  | Total |  |
Real estate - construction and land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 11,366 |  |  | 12,755 |  |  | 2,151 |  |  | — |  |  | — |  |  | — |  |  | 26,272 |  |  |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |
Total real estate - construction and land loans, at amortized cost, gross | 11,366 |  |  | 12,755 |  |  | 2,151 |  |  | — |  |  | — |  |  | — |  |  | 26,272 |  |  |
Gross write offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 51,212 |  |  | 45,325 |  |  | 13,807 |  |  | 54,003 |  |  | 10,750 |  |  | — |  |  | 175,097 |  |  |
Special mention | — |  |  | 150 |  |  | 43 |  |  | 671 |  |  | — |  |  | — |  |  | 864 |  |  |
Substandard | — |  |  | 1,004 |  |  | 14 |  |  | 587 |  |  | — |  |  | — |  |  | 1,605 |  |  |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |
Total commercial and industrial loans, at amortized cost, gross | 51,212 |  |  | 46,479 |  |  | 13,864 |  |  | 55,261 |  |  | 10,750 |  |  | — |  |  | 177,566 |  |  |
Gross write offs | 325 |  |  | 1,543 |  |  | 259 |  |  | 4,113 |  |  | — |  |  | — |  |  | 6,240 |  |  |
Commercial and industrial - PPP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | 135 |  |  | 3,067 |  |  | — |  |  | — |  |  | 3,202 |  |  |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |
Total commercial and industrial - PPP loans, at amortized cost, gross | — |  |  | — |  |  | 135 |  |  | 3,067 |  |  | — |  |  | — |  |  | 3,202 |  |  |
Gross write offs | — |  |  | — |  |  | — |  |  | 223 |  |  | — |  |  | — |  |  | 223 |  |  |
The following table presents the principal balance at September 30, 2024 in residential and consumer loans based on payment activity as well as gross write offs for the nine months ended September 30, 2024.
|  |  |  |  |  |  |  |  |  |  | Revolving |  | Revolving |  |
|  |  |  |  |  |  |  |  |  |  | Loans |  | Loans |  |
| Term Loans Amortized Cost Basis by Origination Year |  | Amortized |  | Converted |  |
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Cost Basis |  | to Term |  | Total
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 31,743 |  |  | $ | 28,410 |  |  | $ | 84,265 |  |  | $ | 23,020 |  |  | $ | 17,892 |  |  | $ | 131,339 |  |  | $ | — |  |  | $ | 316,669 |
Nonperforming | — |  |  | — |  |  | 814 |  |  | 132 |  |  | 2,949 |  |  | 1,176 |  |  | — |  |  | 5,071 |
Total real estate - residential loans, at amortized cost, gross | 31,743 |  |  | 28,410 |  |  | 85,079 |  |  | 23,152 |  |  | 20,841 |  |  | 132,515 |  |  | — |  |  | 321,740 |
Gross write offs | — |  |  | — |  |  | — |  |  | — |  |  | 20 |  |  | — |  |  | — |  |  | 20 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | 56,112 |  |  | 22,437 |  |  | 11,635 |  |  | 701 |  |  | 156 |  |  | 1,223 |  |  | — |  |  | 92,264 |
Nonperforming | 32 |  |  | 16 |  |  | 234 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 282 |
Total consumer and other loans, at amortized cost, gross | 56,144 |  |  | 22,453 |  |  | 11,869 |  |  | 701 |  |  | 156 |  |  | 1,223 |  |  | — |  |  | 92,546 |
Gross write offs | — |  |  | 228 |  |  | 1,888 |  |  | 33 |  |  | 150 |  |  | — |  |  | — |  |  | 2,299 |
The following table presents the principal balance at December 31, 2023 in residential and consumer loans based on payment activity as well as gross write offs for the year ended December 31, 2023.
|  |  |  |  |  |  |  |  | Revolving |  | Revolving |  |
|  |  |  |  |  |  |  |  | Loans |  | Loans |  |
| Term Loans Amortized Cost Basis by Origination Year |  | Amortized |  | Converted |  |
| 2023 |  | 2022 |  | 2021 |  | Prior |  | Cost Basis |  | to Term |  | Total
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 31,377 |  |  | $ | 83,951 |  |  | $ | 24,524 |  |  | $ | 19,709 |  |  | $ | 99,328 |  |  | $ | — |  |  | $ | 258,889 |
Nonperforming | — |  |  | 1,197 |  |  | 286 |  |  | 2,951 |  |  | 803 |  |  | — |  |  | 5,237 |
Total real estate - residential loans, at amortized cost, gross | 31,377 |  |  | 85,148 |  |  | 24,810 |  |  | 22,660 |  |  | 100,131 |  |  | — |  |  | 264,126 |
Gross write offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | 25,491 |  |  | 19,390 |  |  | 930 |  |  | 204 |  |  | 990 |  |  | — |  |  | 47,005 |
Nonperforming | — |  |  | 258 |  |  | 24 |  |  | — |  |  | — |  |  | — |  |  | 282 |
Total consumer and other loans, at amortized cost, gross | 25,491 |  |  | 19,648 |  |  | 954 |  |  | 204 |  |  | 990 |  |  | — |  |  | 47,287 |
Gross write offs | 79 |  |  | 3,182 |  |  | 11 |  |  | 8 |  |  | — |  |  | — |  |  | 3,280 |
Schedule of Aging of Recorded Investment in Past Due Gross Loans at Amortized Cost | The following table presents the aging of the principal balance of past due loans HFI at amortized cost at September 30, 2024 by loan segment:
| 30-89 Days Past Due |  | Greater Than 89 Days Past Due |  | Total Past Due |  | Loans Not Past Due (1) |  | Total Loans
Real estate - residential | $ | 1,926 |  |  | $ | 5,070 |  |  | $ | 6,996 |  |  | $ | 314,744 |  |  | $ | 321,740 |
Real estate - commercial | 499 |  |  | 4,108 |  |  | 4,607 |  |  | 287,419 |  |  | 292,026 |
Real estate - construction and land | — |  |  | — |  |  | — |  |  | 33,784 |  |  | 33,784 |
Commercial and industrial | 3,332 |  |  | 1,228 |  |  | 4,560 |  |  | 195,652 |  |  | 200,212 |
Commercial and industrial - PPP | — |  |  | — |  |  | — |  |  | 1,656 |  |  | 1,656 |
Consumer and other | 747 |  |  | 282 |  |  | 1,029 |  |  | 91,517 |  |  | 92,546 |
Total | $ | 6,504 |  |  | $ | 10,688 |  |  | $ | 17,192 |  |  | $ | 924,772 |  |  | $ | 941,964 |
(1) $1,733 of balances 30-89 days past due and $4,252 of balances greater than 89 days past due are reported as Loans Not Past Due as a result of the government guarantee. Of those loans, $1,228 of commercial and industrial PPP loans were delinquent as of September 30, 2024.
The following table presents the aging of the principal balance of past due loans HFI at amortized cost at December 31, 2023 by loan segment:
| 30-89 Days Past Due |  | Greater Than 89 Days Past Due |  | Total Past Due |  | Loans Not Past Due (1) |  | Total Loans
Real estate - residential | $ | 1,840 |  |  | $ | 5,184 |  |  | $ | 7,024 |  |  | $ | 257,102 |  |  | $ | 264,126 |
Real estate - commercial | 2,870 |  |  | 791 |  |  | 3,661 |  |  | 289,934 |  |  | 293,595 |
Real estate - construction and land | — |  |  | — |  |  | — |  |  | 26,272 |  |  | 26,272 |
Commercial and industrial | 3,970 |  |  | 603 |  |  | 4,573 |  |  | 172,993 |  |  | 177,566 |
Commercial and industrial - PPP | — |  |  | — |  |  | — |  |  | 3,202 |  |  | 3,202 |
Consumer and other | 1,221 |  |  | 282 |  |  | 1,503 |  |  | 45,784 |  |  | 47,287 |
Total | $ | 9,901 |  |  | $ | 6,860 |  |  | $ | 16,761 |  |  | $ | 795,287 |  |  | $ | 812,048 |
(1) $1,469 of balances 30-89 days past due and $638 of balances greater than 89 days past due are reported as Loans Not Past Due as a result of the government guarantee. Of those loans, $261 of commercial and industrial PPP loans were delinquent as of December 31, 2023.

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