| Allowance for Credit Losses on Loans Rollforward |
The following table presents the activity in the ACL on loans for the three months ended June 30, 2025: | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | Commercial | | | Consumer | | | | CRE | C&I | Total Commercial | Residential Real Estate | Home Equity | Other | Total Consumer | Total | | Beginning Balance | $25,207 | | $7,656 | | $32,863 | | $6,776 | | $1,057 | | $360 | | $1,417 | | $41,056 | | | | | | | | | | | | Charge-offs | (274) | | (317) | | (591) | | — | | — | | (76) | | (76) | | (667) | | | Recoveries | — | | 10 | | 10 | | — | | 1 | | 9 | | 10 | | 20 | | | Provision | (5,329) | | 5,809 | | 480 | | 143 | | 49 | | (22) | | 27 | | 650 | | | Ending Balance | $19,604 | | $13,158 | | $32,762 | | $6,919 | | $1,107 | | $271 | | $1,378 | | $41,059 | |
The following table presents the activity in the ACL on loans for the six months ended June 30, 2025: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | Commercial | | | Consumer | | | | CRE | C&I | Total Commercial | Residential Real Estate | Home Equity | Other | Total Consumer | Total | | Beginning Balance | $26,485 | | $7,277 | | $33,762 | | $6,832 | | $1,031 | | $335 | | $1,366 | | $41,960 | | | | | | | | | | | | Charge-offs | (2,724) | | (324) | | (3,048) | | — | | — | | (141) | | (141) | | (3,189) | | | Recoveries | 200 | | 14 | | 214 | | — | | 2 | | 22 | | 24 | | 238 | | | Provision | (4,357) | | 6,191 | | 1,834 | | 87 | | 74 | | 55 | | 129 | | 2,050 | | | Ending Balance | $19,604 | | $13,158 | | $32,762 | | $6,919 | | $1,107 | | $271 | | $1,378 | | $41,059 | |
The following table presents the activity in the ACL on loans for the three months ended June 30, 2024: | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | Commercial | | | Consumer | | | | CRE | C&I | Total Commercial | Residential Real Estate | Home Equity | Other | Total Consumer | Total | | Beginning Balance | $24,856 | | $7,620 | | $32,476 | | $8,035 | | $1,057 | | $337 | | $1,394 | | $41,905 | | | | | | | | | | | | Charge-offs | — | | (12) | | (12) | | — | | — | | (41) | | (41) | | (53) | | | Recoveries | — | | 8 | | 8 | | — | | 6 | | 12 | | 18 | | 26 | | | Provision | 910 | | (519) | | 391 | | 67 | | 17 | | 25 | | 42 | | 500 | | | Ending Balance | $25,766 | | $7,097 | | $32,863 | | $8,102 | | $1,080 | | $333 | | $1,413 | | $42,378 | |
The following table presents the activity in the ACL on loans for the six months ended June 30, 2024: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | Commercial | | | Consumer | | | | CRE | C&I | Total Commercial | Residential Real Estate | Home Equity | Other | Total Consumer | Total | | Beginning Balance | $24,144 | | $8,088 | | $32,232 | | $7,403 | | $1,048 | | $374 | | $1,422 | | $41,057 | | | | | | | | | | | | Charge-offs | — | | (20) | | (20) | | — | | — | | (103) | | (103) | | (123) | | | Recoveries | — | | 17 | | 17 | | — | | 7 | | 20 | | 27 | | 44 | | | Provision | 1,622 | | (988) | | 634 | | 699 | | 25 | | 42 | | 67 | | 1,400 | | | Ending Balance | $25,766 | | $7,097 | | $32,863 | | $8,102 | | $1,080 | | $333 | | $1,413 | | $42,378 | |
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