| Schedule of Loans by Loan Classification |
Major classifications of loans and their amortized cost as of the dates indicated were as follows: | | | | | | | | | | | | | | | | (Dollars in thousands) | | March 31,
2025 | | December 31,
2024 | Commercial real estate owner-occupied | | $ | 708,645 | | | $ | 704,634 | | Commercial real estate non owner-occupied | | 1,629,394 | | | 1,563,201 | | | | | | | | Commercial and industrial | | 483,165 | | | 479,821 | | | Commercial construction | | 664,936 | | | 679,969 | | | | | | | | Total commercial loans | | 3,486,140 | | | 3,427,625 | | | | | | | | Residential mortgages | | 450,456 | | | 443,096 | | | Home equity loans and lines | | 105,779 | | | 103,858 | | | Consumer | | 7,267 | | | 8,319 | | | Total retail loans | | 563,502 | | | 555,273 | | | | | | | | | | | | | | | | | | | | | | | Total loans | | 4,049,642 | | | 3,982,898 | | | | | | | | ACL for loans | | (64,042) | | | (63,498) | | | Net loans | | $ | 3,985,600 | | | $ | 3,919,400 | |
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| Schedule of Loans Pledged as Collateral |
Loans designated as qualified collateral and pledged to the FHLB for borrowing capacity as of the dates indicated are summarized below: | | | | | | | | | | | | | | | | (Dollars in thousands) | | March 31, 2025 | | December 31, 2024 | | | | | | | | | | | | Commercial real estate | | $ | 416,762 | | | $ | 423,494 | | | Residential mortgages | | 423,329 | | | 409,423 | | | Home equity | | 32,308 | | | 33,418 | | | Total loans pledged to FHLB | | $ | 872,399 | | | $ | 866,335 | |
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