v3.25.2
Loans - Risk Category of Mortgage and Non-mortgage Loans (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
2025/2024 $ 243,770   $ 243,770   $ 530,766
2024/2023 515,025   515,025   671,546
2023/2022 643,154   643,154   1,021,841
2022/2021 1,027,480   1,027,480   647,745
2021/2020 630,645   630,645   501,483
Prior 3,389,584   3,389,584   3,097,915
Revolving Loans Amortized Cost Basis 249,054   249,054   266,070
Revolving Loans converted to term loans 9,946   9,946   10,507
Total loans, net of fees and costs excluding portfolio layer basis adjustments 6,708,658   6,708,658   6,747,873
Gross charge-offs          
2023/2022     871    
2022/2021     4,302   4,121
Prior     2,061   765
Revolving Loans Amortized Cost Basis     94   3,083
Total 2,857 $ 11 7,328 $ 69 7,969
Basis adjustments (943)   (943)   2,025
Portfolio Layer Hedges on Closed Portfolio of Loans | Designated as hedging instrument          
Gross charge-offs          
Basis adjustments 900   900   2,000
Pass          
2025/2024 235,292   235,292   521,213
2024/2023 502,576   502,576   663,189
2023/2022 634,539   634,539   998,274
2022/2021 1,021,426   1,021,426   639,443
2021/2020 595,390   595,390   480,812
Prior 3,206,978   3,206,978   2,953,212
Revolving Loans Amortized Cost Basis 238,079   238,079   260,031
Revolving Loans converted to term loans 7,859   7,859   8,588
Total loans, net of fees and costs excluding portfolio layer basis adjustments 6,442,139   6,442,139   6,524,762
Watch          
2025/2024 78   78   8,837
2024/2023 11,768   11,768   4,850
2023/2022 8,261   8,261   8,513
2022/2021 3,082   3,082   5,907
2021/2020 32,871   32,871   17,415
Prior 132,625   132,625   100,781
Revolving Loans Amortized Cost Basis 2,499   2,499   1,613
Revolving Loans converted to term loans 1,585   1,585   1,265
Total loans, net of fees and costs excluding portfolio layer basis adjustments 192,769   192,769   149,181
Special Mention          
2025/2024 8,400   8,400    
2024/2023         2,616
2023/2022         10,163
2021/2020 694   694   445
Prior 4,219   4,219   19,258
Revolving Loans converted to term loans         215
Total loans, net of fees and costs excluding portfolio layer basis adjustments 13,313   13,313   32,697
Substandard          
2025/2024         716
2024/2023 681   681   429
2023/2022 354   354   4,891
2022/2021 2,972   2,972   2,395
2021/2020 1,690   1,690   2,811
Prior 44,055   44,055   24,664
Revolving Loans Amortized Cost Basis 8,476   8,476   3,856
Revolving Loans converted to term loans 502   502   439
Total loans, net of fees and costs excluding portfolio layer basis adjustments 58,730   58,730   40,201
Doubtful          
2024/2023         462
Prior 1,707   1,707    
Revolving Loans Amortized Cost Basis         570
Total loans, net of fees and costs excluding portfolio layer basis adjustments 1,707   1,707   1,032
Multi-family Residential          
2025/2024 32,183   32,183   116,814
2024/2023 116,195   116,195   248,004
2023/2022 229,466   229,466   392,834
2022/2021 411,316   411,316   273,451
2021/2020 269,849   269,849   201,074
Prior 1,431,010   1,431,010   1,294,067
Revolving Loans Amortized Cost Basis 3,019   3,019   5,369
Total loans, net of fees and costs excluding portfolio layer basis adjustments 2,493,038   2,493,038   2,531,613
Gross charge-offs          
2022/2021     1,681    
Total 1,681   1,681    
Multi-family Residential | Pass          
2025/2024 32,183   32,183   116,814
2024/2023 115,266   115,266   248,004
2023/2022 229,466   229,466   375,084
2022/2021 408,332   408,332   272,747
2021/2020 266,636   266,636   195,539
Prior 1,381,280   1,381,280   1,250,368
Revolving Loans Amortized Cost Basis 3,019   3,019   5,369
Total loans, net of fees and costs excluding portfolio layer basis adjustments 2,436,182   2,436,182   2,463,925
Multi-family Residential | Watch          
2024/2023 929   929    
2023/2022         7,587
2022/2021 2,168   2,168    
2021/2020 2,519   2,519   2,724
Prior 33,064   33,064   31,665
Total loans, net of fees and costs excluding portfolio layer basis adjustments 38,680   38,680   41,976
Multi-family Residential | Special Mention          
2023/2022         10,163
2021/2020 694   694    
Prior 2,106   2,106   2,388
Total loans, net of fees and costs excluding portfolio layer basis adjustments 2,800   2,800   12,551
Multi-family Residential | Substandard          
2022/2021 816   816   704
2021/2020         2,811
Prior 14,560   14,560   9,646
Total loans, net of fees and costs excluding portfolio layer basis adjustments 15,376   15,376   13,161
Commercial Real Estate          
2025/2024 105,309   105,309   199,396
2024/2023 198,450   198,450   197,228
2023/2022 197,754   197,754   311,155
2022/2021 301,806   301,806   148,592
2021/2020 145,630   145,630   129,236
Prior 1,040,507   1,040,507   989,015
Total loans, net of fees and costs excluding portfolio layer basis adjustments 1,989,456   1,989,456   1,974,622
Gross charge-offs          
Prior     72   421
Total 72   72   421
Commercial Real Estate | Pass          
2025/2024 96,909   96,909   199,396
2024/2023 196,460   196,460   197,228
2023/2022 193,626   193,626   310,725
2022/2021 301,381   301,381   144,569
2021/2020 138,181   138,181   122,576
Prior 950,080   950,080   924,520
Total loans, net of fees and costs excluding portfolio layer basis adjustments 1,876,637   1,876,637   1,899,014
Commercial Real Estate | Watch          
2024/2023 1,990   1,990    
2023/2022 4,128   4,128   430
2022/2021 425   425   4,023
2021/2020 7,449   7,449   6,660
Prior 66,550   66,550   58,119
Total loans, net of fees and costs excluding portfolio layer basis adjustments 80,542   80,542   69,232
Commercial Real Estate | Special Mention          
2025/2024 8,400   8,400    
Prior 165   165    
Total loans, net of fees and costs excluding portfolio layer basis adjustments 8,565   8,565    
Commercial Real Estate | Substandard          
Prior 23,712   23,712   6,376
Total loans, net of fees and costs excluding portfolio layer basis adjustments 23,712   23,712   6,376
1-4 Family Mixed-Use Property          
2025/2024 5,254   5,254   17,759
2024/2023 17,657   17,657   23,552
2023/2022 22,280   22,280   45,487
2022/2021 44,622   44,622   40,515
2021/2020 38,657   38,657   27,893
Prior 367,797   367,797   358,732
Total loans, net of fees and costs excluding portfolio layer basis adjustments 496,267   496,267   513,938
1-4 Family Mixed-Use Property | Pass          
2025/2024 5,254   5,254   17,759
2024/2023 17,657   17,657   23,552
2023/2022 22,280   22,280   45,487
2022/2021 44,622   44,622   40,515
2021/2020 38,657   38,657   27,448
Prior 360,089   360,089   352,004
Total loans, net of fees and costs excluding portfolio layer basis adjustments 488,559   488,559   506,765
1-4 Family Mixed-Use Property | Watch          
Prior 5,202   5,202   5,338
Total loans, net of fees and costs excluding portfolio layer basis adjustments 5,202   5,202   5,338
1-4 Family Mixed-Use Property | Special Mention          
2021/2020         445
Prior 1,708   1,708   1,273
Total loans, net of fees and costs excluding portfolio layer basis adjustments 1,708   1,708   1,718
1-4 Family Mixed-Use Property | Substandard          
Prior 798   798   117
Total loans, net of fees and costs excluding portfolio layer basis adjustments 798   798   117
1-4 Family Residential          
2025/2024         2,136
2024/2023 11,119   11,119   53,556
2023/2022 62,111   62,111   22,878
2022/2021 32,871   32,871   7,371
2021/2020 6,828   6,828   16,039
Prior 130,637   130,637   125,737
Revolving Loans Amortized Cost Basis 5,493   5,493   6,369
Revolving Loans converted to term loans 9,946   9,946   10,507
Total loans, net of fees and costs excluding portfolio layer basis adjustments 259,005   259,005   244,593
Gross charge-offs          
Prior     5   14
Total     5 $ 14 14
1-4 Family Residential | Pass          
2025/2024         2,136
2024/2023 11,119   11,119   53,556
2023/2022 62,111   62,111   22,382
2022/2021 32,382   32,382   7,117
2021/2020 6,828   6,828   16,039
Prior 126,048   126,048   121,653
Revolving Loans Amortized Cost Basis 5,493   5,493   6,256
Revolving Loans converted to term loans 7,859   7,859   8,588
Total loans, net of fees and costs excluding portfolio layer basis adjustments 251,840   251,840   237,727
1-4 Family Residential | Watch          
2023/2022         496
2022/2021 489   489   254
Prior 3,378   3,378   2,769
Revolving Loans Amortized Cost Basis         113
Revolving Loans converted to term loans 1,585   1,585   1,265
Total loans, net of fees and costs excluding portfolio layer basis adjustments 5,452   5,452   4,897
1-4 Family Residential | Special Mention          
Prior 57   57   838
Revolving Loans converted to term loans         215
Total loans, net of fees and costs excluding portfolio layer basis adjustments 57   57   1,053
1-4 Family Residential | Substandard          
Prior 1,154   1,154   477
Revolving Loans converted to term loans 502   502   439
Total loans, net of fees and costs excluding portfolio layer basis adjustments 1,656   1,656   916
Construction          
2025/2024 724   724    
2024/2023         2,667
2023/2022         2
2022/2021         18,215
2021/2020 18,188   18,188    
Revolving Loans Amortized Cost Basis 27,675   27,675   39,230
Total loans, net of fees and costs excluding portfolio layer basis adjustments 46,587   46,587   60,114
Construction | Pass          
2025/2024 724   724    
2024/2023         51
2023/2022         2
2022/2021         18,215
Revolving Loans Amortized Cost Basis 27,675   27,675   39,230
Total loans, net of fees and costs excluding portfolio layer basis adjustments 28,399   28,399   57,498
Construction | Watch          
2021/2020 18,188   18,188    
Total loans, net of fees and costs excluding portfolio layer basis adjustments 18,188   18,188    
Construction | Special Mention          
2024/2023         2,616
Total loans, net of fees and costs excluding portfolio layer basis adjustments         2,616
Small Business Administration          
2025/2024 2,895   2,895   7,356
2024/2023 1,734   1,734   1,906
2023/2022 1,145   1,145   3,211
2022/2021 3,173   3,173   2,783
2021/2020 2,675   2,675   1,672
Prior 4,085   4,085   3,267
Total loans, net of fees and costs excluding portfolio layer basis adjustments 15,707   15,707   20,195
Gross charge-offs          
Prior     2   7
Total 2   2   7
Small Business Administration | Pass          
2025/2024 2,895   2,895   7,356
2024/2023 1,734   1,734   1,906
2023/2022 1,145   1,145   3,211
2022/2021 3,173   3,173   1,092
2021/2020 985   985   1,672
Prior 2,589   2,589   1,123
Total loans, net of fees and costs excluding portfolio layer basis adjustments 12,521   12,521   16,360
Small Business Administration | Watch          
Prior 283   283   774
Total loans, net of fees and costs excluding portfolio layer basis adjustments 283   283   774
Small Business Administration | Special Mention          
Prior 173   173   325
Total loans, net of fees and costs excluding portfolio layer basis adjustments 173   173   325
Small Business Administration | Substandard          
2022/2021         1,691
2021/2020 1,690   1,690    
Prior 1,040   1,040   1,045
Total loans, net of fees and costs excluding portfolio layer basis adjustments 2,730   2,730   2,736
Commercial Business          
2025/2024 47,384   47,384   110,021
2024/2023 93,983   93,983   98,657
2023/2022 86,554   86,554   76,370
2022/2021 68,473   68,473   31,295
2021/2020 26,516   26,516   22,054
Prior 106,039   106,039   104,475
Revolving Loans Amortized Cost Basis 212,778   212,778   214,345
Total loans, net of fees and costs excluding portfolio layer basis adjustments 641,727   641,727   657,217
Gross charge-offs          
2023/2022     871    
2022/2021     2,621   4,121
Prior     1,953   266
Revolving Loans Amortized Cost Basis     94   3,083
Total     5,539   7,470
Commercial Business | Pass          
2025/2024 47,306   47,306   109,139
2024/2023 93,061   93,061   92,916
2023/2022 82,067   82,067   71,479
2022/2021 66,317   66,317   29,665
2021/2020 23,069   23,069   17,744
Prior 98,378   98,378   99,620
Revolving Loans Amortized Cost Basis 201,803   201,803   208,419
Total loans, net of fees and costs excluding portfolio layer basis adjustments 612,001   612,001   628,982
Commercial Business | Watch          
2025/2024 78   78   166
2024/2023 241   241   4,850
2023/2022 4,133   4,133    
2022/2021         1,630
2021/2020 3,447   3,447   4,310
Prior 5,910   5,910   1,720
Revolving Loans Amortized Cost Basis 2,499   2,499   1,500
Total loans, net of fees and costs excluding portfolio layer basis adjustments 16,308   16,308   14,176
Commercial Business | Special Mention          
Prior 10   10   16
Total loans, net of fees and costs excluding portfolio layer basis adjustments 10   10   16
Commercial Business | Substandard          
2025/2024         716
2024/2023 681   681   429
2023/2022 354   354   4,891
2022/2021 2,156   2,156    
Prior 34   34   3,119
Revolving Loans Amortized Cost Basis 8,476   8,476   3,856
Total loans, net of fees and costs excluding portfolio layer basis adjustments 11,701   11,701   13,011
Commercial Business | Doubtful          
2024/2023         462
Prior 1,707   1,707    
Revolving Loans Amortized Cost Basis         570
Total loans, net of fees and costs excluding portfolio layer basis adjustments 1,707   1,707   1,032
Commercial Business - Secured by RE          
2025/2024 50,021   50,021   77,284
2024/2023 75,887   75,887   45,976
2023/2022 43,844   43,844   169,904
2022/2021 165,219   165,219   125,523
2021/2020 122,302   122,302   103,515
Prior 309,403   309,403   222,537
Revolving Loans Amortized Cost Basis         673
Total loans, net of fees and costs excluding portfolio layer basis adjustments 766,676   766,676   745,412
Commercial Business - Secured by RE | Pass          
2025/2024 50,021   50,021   68,613
2024/2023 67,279   67,279   45,976
2023/2022 43,844   43,844   169,904
2022/2021 165,219   165,219   125,523
2021/2020 121,034   121,034   99,794
Prior 288,408   288,408   203,839
Revolving Loans Amortized Cost Basis         673
Total loans, net of fees and costs excluding portfolio layer basis adjustments 735,805   735,805   714,322
Commercial Business - Secured by RE | Watch          
2025/2024         8,671
2024/2023 8,608   8,608    
2021/2020 1,268   1,268   3,721
Prior 18,238   18,238   396
Total loans, net of fees and costs excluding portfolio layer basis adjustments 28,114   28,114   12,788
Commercial Business - Secured by RE | Special Mention          
Prior         14,418
Total loans, net of fees and costs excluding portfolio layer basis adjustments         14,418
Commercial Business - Secured by RE | Substandard          
Prior 2,757   2,757   3,884
Total loans, net of fees and costs excluding portfolio layer basis adjustments 2,757   2,757   3,884
Other          
Prior 106   106   85
Revolving Loans Amortized Cost Basis 89   89   84
Total loans, net of fees and costs excluding portfolio layer basis adjustments 195   195   169
Gross charge-offs          
Prior     29   57
Total     29   57
Other | Pass          
Prior 106   106   85
Revolving Loans Amortized Cost Basis 89   89   84
Total loans, net of fees and costs excluding portfolio layer basis adjustments 195   195   169
Consumer Portfolio Segment          
Mortgage loans in process of foreclosure, amount $ 2,500   $ 2,500   $ 2,700