| Financing Receivable, Allowance for Credit Loss |
The following tables summarize the activity in the allowance for credit losses, by portfolio loan classification, for the three and six months ended June 30, 2025 and 2024 (in thousands). The allocation of a portion of the allowance in one portfolio segment does not preclude its availability to absorb losses in other portfolio segments. | | | | | | | | | | | | | | | | | | | Beginning Balance | Charge-offs | Recoveries | (Recovery of) provision for credit losses | Ending Balance | | Six months ended June 30, 2025 | | | | | | | Commercial and industrial | $ | 4,541 | | $ | (30) | | $ | 52 | | $ | (1,553) | | $ | 3,010 | | | | | | | | | 1-4 Family | 1,366 | | — | | 33 | | (9) | | 1,390 | | | Hotels | 2,355 | | (220) | | — | | (1) | | 2,134 | | | Multi-family | 1,390 | | — | | — | | 28 | | 1,418 | | | Non Residential Non-Owner Occupied | 3,001 | | — | | 48 | | 81 | | 3,130 | | | Non Residential Owner Occupied | 1,725 | | — | | — | | 29 | | 1,754 | | | Commercial real estate | 9,837 | | (220) | | 81 | | 128 | | 9,826 | | | | | | | | | Residential real estate | 5,731 | | (49) | | 50 | | (286) | | 5,446 | | | Home equity | 643 | | (98) | | 100 | | (97) | | 548 | | | Consumer | 381 | | (165) | | 34 | | 21 | | 271 | | | DDA overdrafts | 789 | | (706) | | 753 | | (213) | | 623 | | | $ | 21,922 | | $ | (1,268) | | $ | 1,070 | | $ | (2,000) | | $ | 19,724 | | | | | | | | | Beginning Balance | Charge-offs | Recoveries | Provision for (recovery of) credit losses | Ending Balance | | Six months ended June 30, 2024 | | | | | | | Commercial and industrial | $ | 4,474 | | $ | (367) | | $ | 63 | | $ | 62 | | $ | 4,232 | | | | | | | | | 1-4 Family | 1,402 | | (68) | | 23 | | 5 | | 1,362 | | | Hotels | 2,211 | | — | | — | | 217 | | 2,428 | | | Multi-family | 1,002 | | — | | — | | (11) | | 991 | | | Non Residential Non-Owner Occupied | 4,077 | | (3) | | 3 | | (283) | | 3,794 | | | Non Residential Owner Occupied | 2,453 | | — | | 150 | | (206) | | 2,397 | | | Commercial real estate | 11,145 | | (71) | | 176 | | (278) | | 10,972 | | | | | | | | | Residential real estate | 5,398 | | (305) | | 228 | | 400 | | 5,721 | | | Home equity | 490 | | (148) | | 47 | | 181 | | 570 | | | Consumer | 269 | | (135) | | 122 | | 121 | | 377 | | | DDA Overdrafts | 969 | | (729) | | 742 | | (166) | | 816 | | | $ | 22,745 | | $ | (1,755) | | $ | 1,378 | | $ | 320 | | $ | 22,688 | |
| | | | | | | | | | | | | | | | | | | Beginning Balance | Charge-offs | Recoveries | (Recovery of) provision for credit losses | Ending Balance | | Three months ended June 30, 2025 | | | | | | | Commercial and industrial | $ | 4,761 | | $ | — | | $ | 15 | | $ | (1,766) | | $ | 3,010 | | | | | | | | | 1-4 Family | 1,420 | | — | | 6 | | (36) | | 1,390 | | | Hotels | 2,130 | | — | | — | | 4 | | 2,134 | | | Multi-family | 1,409 | | — | | — | | 9 | | 1,418 | | | Non Residential Non-Owner Occupied | 3,156 | | — | | 45 | | (71) | | 3,130 | | | Non Residential Owner Occupied | 1,780 | | — | | — | | (26) | | 1,754 | | | Commercial real estate | 9,895 | | — | | 51 | | (120) | | 9,826 | | | | | | | | | Residential real estate | 5,420 | | (49) | | 49 | | 26 | | 5,446 | | | Home equity | 593 | | (97) | | 96 | | (44) | | 548 | | | Consumer | 287 | | (36) | | 25 | | (5) | | 271 | | | DDA overdrafts | 713 | | (327) | | 328 | | (91) | | 623 | | | $ | 21,669 | | $ | (509) | | $ | 564 | | $ | (2,000) | | $ | 19,724 | | | | | | | | | Beginning Balance | Charge-offs | Recoveries | (Recovery of) provision for credit losses | Ending Balance | | Three months ended June 30, 2024 | | | | | | | Commercial and industrial | $ | 4,275 | | $ | (61) | | $ | 38 | | $ | (20) | | $ | 4,232 | | | | | | | | | 1-4 Family | 1,394 | | (37) | | 12 | | (7) | | 1,362 | | | Hotels | 2,257 | | — | | — | | 171 | | 2,428 | | | Multi-family | 999 | | — | | — | | (8) | | 991 | | | Non Residential Non-Owner Occupied | 4,012 | | (3) | | 3 | | (218) | | 3,794 | | | Non Residential Owner Occupied | 2,421 | | — | | 150 | | (174) | | 2,397 | | | Commercial real estate | 11,083 | | (40) | | 165 | | (236) | | 10,972 | | | | | | | | | Residential real estate | 5,137 | | (286) | | 179 | | 691 | | 5,721 | | | Home equity | 507 | | (121) | | 38 | | 146 | | 570 | | | Consumer | 426 | | (20) | | 24 | | (53) | | 377 | | | DDA Overdrafts | 882 | | (373) | | 335 | | (28) | | 816 | | | $ | 22,310 | | $ | (901) | | $ | 779 | | $ | 500 | | $ | 22,688 | |
|
| Financing Receivable, Past Due |
The following tables present the aging of the amortized cost basis in past-due loans as of June 30, 2025 and December 31, 2024 by class of loan (in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | June 30, 2025 | | 30-59 | 60-89 | 90+ | Total | Current | Non- | Total | | Past Due | Past Due | Past Due | Past Due | Loans | accrual | Loans | | Commercial and industrial | $ | — | | $ | — | | $ | — | | $ | — | | $ | 408,717 | | $ | 600 | | $ | 409,317 | | | | | | | | | | | 1-4 Family | 182 | | — | | — | | 182 | | 199,109 | | 109 | | 199,400 | | | Hotels | — | | — | | — | | — | | 378,810 | | 1,686 | | 380,496 | | | Multi-family | — | | — | | — | | — | | 221,970 | | — | | 221,970 | | | Non Residential Non-Owner Occupied | — | | — | | — | | — | | 739,816 | | 288 | | 740,104 | | | Non Residential Owner Occupied | 20 | | — | | — | | 20 | | 229,483 | | 7,432 | | 236,935 | | | Commercial real estate | 202 | | — | | — | | 202 | | 1,769,188 | | 9,515 | | 1,778,905 | | | | | | | | | | | Residential real estate | 5,618 | | 879 | | — | | 6,497 | | 1,874,350 | | 3,602 | | 1,884,449 | | | Home Equity | 695 | | 30 | | 63 | | 788 | | 206,835 | | 283 | | 207,906 | | | Consumer | 163 | | — | | — | | 163 | | 52,632 | | — | | 52,795 | | | Overdrafts | 321 | | 15 | | — | | 336 | | 5,488 | | — | | 5,824 | | | Total | $ | 6,999 | | $ | 924 | | $ | 63 | | $ | 7,986 | | $ | 4,317,210 | | $ | 14,000 | | $ | 4,339,196 | |
| | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2024 | | 30-59 | 60-89 | 90+ | Total | Current | Non- | Total | | Past Due | Past Due | Past Due | Past Due | Loans | accrual | Loans | | Commercial and industrial | $ | — | | $ | — | | $ | — | | $ | — | | $ | 416,677 | | $ | 3,161 | | $ | 419,838 | | | | | | | | | | | 1-4 Family | 106 | | — | | — | | 106 | | 197,018 | | 134 | | 197,258 | | | Hotels | — | | — | | — | | — | | 389,660 | | — | | 389,660 | | | Multi-family | — | | — | | — | | — | | 240,943 | | — | | 240,943 | | | Non Residential Non-Owner Occupied | — | | — | | — | | — | | 706,919 | | 346 | | 707,265 | | | Non Residential Owner Occupied | 134 | | — | | — | | 134 | | 226,010 | | 7,353 | | 233,497 | | | Commercial real estate | 240 | | — | | — | | 240 | | 1,760,550 | | 7,833 | | 1,768,623 | | | | | | | | | | | Residential real estate | 6,014 | | 842 | | 156 | | 7,012 | | 1,813,775 | | 2,823 | | 1,823,610 | | | Home Equity | 687 | | 189 | | 26 | | 902 | | 198,078 | | 212 | | 199,192 | | | Consumer | 145 | | 128 | | — | | 273 | | 57,543 | | — | | 57,816 | | | Overdrafts | 384 | | 7 | | — | | 391 | | 5,306 | | — | | 5,697 | | | Total | $ | 7,470 | | $ | 1,166 | | $ | 182 | | $ | 8,818 | | $ | 4,251,929 | | $ | 14,029 | | $ | 4,274,776 | |
|
| Financing Receivable, Credit Quality Indicators |
Based on the most recent analysis performed, the risk category of loans by class of loans at June 30, 2025 and December 31, 2024 is as follows (in thousands), with the loans acquired from Citizens categorized by their origination date:
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | June 30, 2025 | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Cost Basis | Total | | Commercial and industrial | | | | | | | | | | Pass | $ | 20,663 | | $ | 60,954 | | $ | 56,231 | | $ | 23,409 | | $ | 58,196 | | $ | 50,899 | | $ | 131,802 | | $ | 402,154 | | | Special mention | — | | 72 | | 4 | | — | | — | | — | | — | | 76 | | | Substandard | — | | 47 | | 127 | | 894 | | 57 | | 1,984 | | 3,978 | | 7,087 | | | Total | $ | 20,663 | | $ | 61,073 | | $ | 56,362 | | $ | 24,303 | | $ | 58,253 | | $ | 52,883 | | $ | 135,780 | | $ | 409,317 | | | YTD Gross Charge-offs | $ | — | | $ | 30 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 30 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | December 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Cost Basis | Total | | Commercial and industrial | | | | | | | | | | Pass | $ | 65,161 | | $ | 63,650 | | $ | 26,201 | | $ | 62,445 | | $ | 36,440 | | $ | 21,148 | | $ | 109,869 | | $ | 384,914 | | | Special mention | 60 | | 5 | | — | | — | | — | | — | | — | | 65 | | | Substandard | 1,134 | | 452 | | 1,926 | | 548 | | 2,449 | | 2,051 | | 26,299 | | 34,859 | | | Total | $ | 66,355 | | $ | 64,107 | | $ | 28,127 | | $ | 62,993 | | $ | 38,889 | | $ | 23,199 | | $ | 136,168 | | $ | 419,838 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | June 30, 2025 | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Cost Basis | Total | | Commercial real estate - | | | | | | | | | | 1-4 Family | | | | | | | | | | Pass | $ | 17,710 | | $ | 35,634 | | $ | 24,804 | | $ | 35,041 | | $ | 26,141 | | $ | 44,736 | | $ | 10,174 | | $ | 194,240 | | | Special mention | — | | — | | — | | 1,318 | | — | | 723 | | — | | 2,041 | | | Substandard | — | | — | | — | | 1,639 | | 406 | | 1,074 | | — | | 3,119 | | | Total | $ | 17,710 | | $ | 35,634 | | $ | 24,804 | | $ | 37,998 | | $ | 26,547 | | $ | 46,533 | | $ | 10,174 | | $ | 199,400 | | | YTD Gross Charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | December 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Cost Basis | Total | | Commercial real estate - | | | | | | | | | | 1-4 Family | | | | | | | | | | Pass | $ | 39,992 | | $ | 28,545 | | $ | 38,562 | | $ | 27,846 | | $ | 18,218 | | $ | 29,102 | | $ | 10,011 | | $ | 192,276 | | | Special mention | — | | — | | 180 | | — | | 842 | | 613 | | — | | 1,635 | | | Substandard | — | | — | | 1,688 | | 411 | | 312 | | 936 | | — | | 3,347 | | | Total | $ | 39,992 | | $ | 28,545 | | $ | 40,430 | | $ | 28,257 | | $ | 19,372 | | $ | 30,651 | | $ | 10,011 | | $ | 197,258 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | June 30, 2025 | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Cost Basis | Total | | Commercial real estate - | | | | | | | | | | Hotels | | | | | | | | | | Pass | $ | 11,990 | | $ | 46,581 | | $ | 49,399 | | $ | 76,308 | | $ | 28,468 | | $ | 143,437 | | $ | — | | $ | 356,183 | | | Special mention | — | | — | | — | | — | | — | | — | | — | | — | | | Substandard | — | | — | | — | | — | | — | | 24,313 | | — | | 24,313 | | | Total | $ | 11,990 | | $ | 46,581 | | $ | 49,399 | | $ | 76,308 | | $ | 28,468 | | $ | 167,750 | | $ | — | | $ | 380,496 | | | YTD Gross Charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 220 | | $ | — | | $ | 220 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | December 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Cost Basis | Total | | Commercial real estate - | | | | | | | | | | Hotels | | | | | | | | | | Pass | $ | 46,980 | | $ | 48,278 | | $ | 78,225 | | $ | 31,161 | | $ | 6,742 | | $ | 152,896 | | $ | 288 | | $ | 364,570 | | | Special mention | — | | — | | — | | — | | — | | — | | — | | — | | | Substandard | — | | — | | — | | — | | — | | 25,090 | | — | | 25,090 | | | Total | $ | 46,980 | | $ | 48,278 | | $ | 78,225 | | $ | 31,161 | | $ | 6,742 | | $ | 177,986 | | $ | 288 | | $ | 389,660 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | June 30, 2025 | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Cost Basis | Total | | Commercial real estate - | | | | | | | | | | Multi-family | | | | | | | | | | Pass | $ | 22,303 | | $ | 53,980 | | $ | 6,759 | | $ | 17,954 | | $ | 18,643 | | $ | 99,811 | | $ | 1,530 | | $ | 220,980 | | | Special mention | — | | — | | — | | — | | — | | — | | — | | — | | | Substandard | — | | — | | — | | 538 | | 452 | | — | | — | | 990 | | | Total | $ | 22,303 | | $ | 53,980 | | $ | 6,759 | | $ | 18,492 | | $ | 19,095 | | $ | 99,811 | | $ | 1,530 | | $ | 221,970 | | | YTD Gross Charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | December 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Cost Basis | Total | | Commercial real estate - | | | | | | | | | | Multi-family | | | | | | | | | | Pass | $ | 73,914 | | $ | 6,939 | | $ | 18,191 | | $ | 19,174 | | $ | 56,587 | | $ | 63,314 | | $ | 1,825 | | $ | 239,944 | | | Special mention | — | | — | | — | | — | | — | | — | | — | | — | | | Substandard | — | | — | | 542 | | 457 | | — | | — | | — | | 999 | | | Total | $ | 73,914 | | $ | 6,939 | | $ | 18,733 | | $ | 19,631 | | $ | 56,587 | | $ | 63,314 | | $ | 1,825 | | $ | 240,943 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | June 30, 2025 | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Cost Basis | Total | | Commercial real estate - | | | | | | | | | | Non Residential Non-Owner Occupied | | | | | | | | | Pass | $ | 45,362 | | $ | 80,996 | | $ | 107,462 | | $ | 113,479 | | $ | 89,265 | | $ | 256,474 | | $ | 18,946 | | $ | 711,984 | | | Special mention | — | | — | | — | | 543 | | 87 | | 24,329 | | — | | 24,959 | | | Substandard | — | | 65 | | — | | — | | 136 | | 2,960 | | — | | 3,161 | | | Total | $ | 45,362 | | $ | 81,061 | | $ | 107,462 | | $ | 114,022 | | $ | 89,488 | | $ | 283,763 | | $ | 18,946 | | $ | 740,104 | | | YTD Gross Charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | December 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Cost Basis | Total | | Commercial real estate - | | | | | | | | | | Non Residential Non-Owner Occupied | | | | | | | | | Pass | $ | 76,051 | | $ | 110,212 | | $ | 115,753 | | $ | 92,783 | | $ | 53,513 | | $ | 213,886 | | $ | 16,284 | | $ | 678,482 | | | Special mention | — | | — | | 839 | | 92 | | 486 | | 24,108 | | — | | 25,525 | | | Substandard | 73 | | 15 | | — | | 139 | | — | | 3,031 | | — | | 3,258 | | | Total | $ | 76,124 | | $ | 110,227 | | $ | 116,592 | | $ | 93,014 | | $ | 53,999 | | $ | 241,025 | | $ | 16,284 | | $ | 707,265 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | June 30, 2025 | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Cost Basis | Total | | Commercial real estate - | | | | | | | | | | Non Residential Owner Occupied | | | | | | | | | Pass | $ | 18,334 | | $ | 22,046 | | $ | 42,825 | | $ | 27,988 | | $ | 35,981 | | $ | 66,242 | | $ | 4,365 | | $ | 217,781 | | | Special mention | — | | — | | 360 | | — | | — | | 1,995 | | — | | 2,355 | | | Substandard | — | | 462 | | 3,955 | | 810 | | 406 | | 10,801 | | 365 | | 16,799 | | | Total | $ | 18,334 | | $ | 22,508 | | $ | 47,140 | | $ | 28,798 | | $ | 36,387 | | $ | 79,038 | | $ | 4,730 | | $ | 236,935 | | | YTD Gross Charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | December 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Cost Basis | Total | | Commercial real estate - | | | | | | | | | | Non Residential Owner Occupied | | | | | | | | | Pass | $ | 23,376 | | $ | 45,011 | | $ | 28,830 | | $ | 38,061 | | $ | 15,154 | | $ | 58,846 | | $ | 3,938 | | $ | 213,216 | | | Special mention | — | | — | | — | | — | | — | | 2,029 | | — | | 2,029 | | | Substandard | — | | 3,713 | | 842 | | 1,950 | | 1,167 | | 10,221 | | 359 | | 18,252 | | | Total | $ | 23,376 | | $ | 48,724 | | $ | 29,672 | | $ | 40,011 | | $ | 16,321 | | $ | 71,096 | | $ | 4,297 | | $ | 233,497 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | June 30, 2025 | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Cost Basis | Total | | Commercial real estate - | | | | | | | | | | Total | | | | | | | | | | Pass | $ | 115,699 | | $ | 239,237 | | $ | 231,248 | | $ | 270,770 | | $ | 198,498 | | $ | 610,702 | | $ | 35,015 | | $ | 1,701,169 | | | Special mention | — | | — | | 360 | | 1,861 | | 87 | | 27,046 | | — | | 29,354 | | | Substandard | — | | 527 | | 3,955 | | 2,987 | | 1,401 | | 39,147 | | 365 | | 48,382 | | | Total | $ | 115,699 | | $ | 239,764 | | $ | 235,563 | | $ | 275,618 | | $ | 199,986 | | $ | 676,895 | | $ | 35,380 | | $ | 1,778,905 | | | YTD Gross Charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 220 | | $ | — | | $ | 220 | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | December 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Cost Basis | Total | | Commercial real estate - | | | | | | | | | | Total | | | | | | | | | | Pass | $ | 260,313 | | $ | 238,984 | | $ | 279,562 | | $ | 209,025 | | $ | 150,213 | | $ | 518,042 | | $ | 32,346 | | $ | 1,688,485 | | | Special mention | — | | — | | 1,019 | | 92 | | 1,327 | | 26,751 | | — | | 29,189 | | | Substandard | 73 | | 3,728 | | 3,073 | | 2,958 | | 1,479 | | 39,279 | | 359 | | 50,949 | | | Total | $ | 260,386 | | $ | 242,712 | | $ | 283,654 | | $ | 212,075 | | $ | 153,019 | | $ | 584,072 | | $ | 32,705 | | $ | 1,768,623 | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | June 30, 2025 | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Cost Basis | Total | | Residential real estate | | | | | | | | | | Performing | $ | 147,263 | | $ | 215,758 | | $ | 196,498 | | $ | 340,311 | | $ | 272,754 | | $ | 637,639 | | $ | 70,624 | | $ | 1,880,847 | | | Non-performing | 328 | | 286 | | 214 | | 361 | | 343 | | 1,904 | | 166 | | 3,602 | | | Total | $ | 147,591 | | $ | 216,044 | | $ | 196,712 | | $ | 340,672 | | $ | 273,097 | | $ | 639,543 | | $ | 70,790 | | $ | 1,884,449 | | | YTD Gross Charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 49 | | $ | — | | $ | 49 | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | December 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Cost Basis | Total | | Residential real estate | | | | | | | | | | Performing | $ | 230,045 | | $ | 209,641 | | $ | 355,495 | | $ | 283,509 | | $ | 223,004 | | $ | 451,144 | | $ | 67,949 | | $ | 1,820,787 | | | Non-performing | $ | 179 | | $ | 91 | | $ | 44 | | $ | 628 | | $ | — | | $ | 1,521 | | $ | 360 | | $ | 2,823 | | | Total | $ | 230,224 | | $ | 209,732 | | $ | 355,539 | | $ | 284,137 | | $ | 223,004 | | $ | 452,665 | | $ | 68,309 | | $ | 1,823,610 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | June 30, 2025 | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Cost Basis | Total | | Home equity | | | | | | | | | | Performing | $ | 12,479 | | $ | 29,471 | | $ | 22,712 | | $ | 10,243 | | $ | 4,526 | | $ | 8,218 | | $ | 119,974 | | $ | 207,623 | | | Non-performing | — | | — | | — | | — | | — | | 25 | | 258 | | 283 | | | Total | $ | 12,479 | | $ | 29,471 | | $ | 22,712 | | $ | 10,243 | | $ | 4,526 | | $ | 8,243 | | $ | 120,232 | | $ | 207,906 | | | YTD Gross Charge-offs | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 98 | | $ | 98 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | December 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Cost Basis | Total | | Home equity | | | | | | | | | | Performing | $ | 31,751 | | $ | 25,164 | | $ | 11,344 | | $ | 5,232 | | $ | 2,832 | | $ | 7,346 | | $ | 115,311 | | $ | 198,980 | | | Non-performing | — | | — | | — | | — | | — | | — | | 212 | | 212 | | | Total | $ | 31,751 | | $ | 25,164 | | $ | 11,344 | | $ | 5,232 | | $ | 2,832 | | $ | 7,346 | | $ | 115,523 | | $ | 199,192 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | June 30, 2025 | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Cost Basis | Total | | Consumer | | | | | | | | | | Performing | $ | 9,316 | | $ | 12,504 | | $ | 16,445 | | $ | 8,816 | | $ | 1,663 | | $ | 1,760 | | $ | 2,291 | | $ | 52,795 | | | Non-performing | — | | — | | — | | — | | — | | — | | — | | — | | | Total | $ | 9,316 | | $ | 12,504 | | $ | 16,445 | | $ | 8,816 | | $ | 1,663 | | $ | 1,760 | | $ | 2,291 | | $ | 52,795 | | | YTD Gross Charge-offs | $ | — | | $ | 27 | | $ | 14 | | $ | 88 | | $ | 1 | | $ | 32 | | $ | 3 | | $ | 165 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | | Term Loans | Loans | | | Amortized Cost Basis by Origination Year and Risk Level | Amortized | | December 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Cost Basis | Total | | Consumer | | | | | | | | | | Performing | $ | 17,621 | | $ | 21,062 | | $ | 11,628 | | $ | 2,374 | | $ | 1,456 | | $ | 1,180 | | $ | 2,495 | | $ | 57,816 | | | Non-performing | — | | — | | — | | — | | — | | — | | — | | — | | | Total | $ | 17,621 | | $ | 21,062 | | $ | 11,628 | | $ | 2,374 | | $ | 1,456 | | $ | 1,180 | | $ | 2,495 | | $ | 57,816 | |
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