Financial instruments whose contract amounts represent credit risk are as follows at March 31, 2025 and December 31, 2024:


(In Thousands)	March 31, 2025			December 31, 2024
Commitments to extend credit	$	880,514		$	887,788
Funded commitments to extend credit	481,665			487,074
Remaining unfunded commitments to extend credit	398,849			400,714
Standby letters of credit	5,865			9,977
Credit exposure from the sale of assets with recourse	7,463			7,305
Total unfunded credit exposure	$	412,177		$	417,996
Allowance for credit losses	$	397		$	551

Commitment to extend credit funded rate	54.7		%	54.9		%
Historic commitment to extend credit funded rate	56.2		%	56.3		%