v3.25.2
Loans
 6 Months Ended
Jun. 30, 2025
Loans and Leases Receivable, Net Amount [Abstract]  
Loans Loans
The following table summarizes the Company’s major classifications for loans (in thousands):
June 30, 2025December 31, 2024
Commercial and industrial$409,317 $419,838 
  1-4 Family199,400 197,258 
  Hotels380,496 389,660 
  Multi-family221,970 240,943 
  Non Residential Non-Owner Occupied740,104 707,265 
  Non Residential Owner Occupied236,935 233,497 
Commercial real estate1,778,905 1,768,623 
Residential real estate1,884,449 1,823,610 
Home equity207,906 199,192 
Consumer52,795 57,816 
Demand deposit account (DDA) overdrafts5,824 5,697 
Gross loans4,339,196 4,274,776 
Allowance for credit losses(19,724)(21,922)
Net loans$4,319,472 $4,252,854 
Construction loans included in:
Commercial real estate28,781 24,681 
Residential real estate$6,416 $7,547 

The Company’s commercial and residential real estate construction loans are primarily secured by real estate within the Company’s principal markets.  These loans were originated under the Company’s loan policies, which are focused on the risk characteristics of the loan portfolio, including construction loans. In the judgment of the Company's management, adequate consideration has been given to these loans in establishing the Company's allowance for credit losses (see Note F for additional information).