Commitments and Contingencies (Tables)

Financial instruments with off-balance-sheet risk at the dates indicated follow:


	At June 30, 2025		At December 31, 2024
	(In Thousands)
Financial instruments whose contract amounts represent credit risk:
Commitments to originate loans and leases:
Commercial real estate	$	40,672	$	11,126
Commercial	111,854		144,721
Residential mortgage	24,646		14,607
Unadvanced portion of loans and leases	952,115		1,076,783
Unused lines of credit:
Home equity	807,749		780,214
Other consumer	129,642		113,838
Other commercial	429		398
Unused letters of credit:
Financial standby letters of credit	9,695		12,702
Performance standby letters of credit	28,040		24,325
Commercial and similar letters of credit	2,206		2,330
Interest rate derivatives	225,000		225,000
Loan level derivatives (Notional principal amounts):
Receive fixed, pay variable	1,425,875		1,672,948
Pay fixed, receive variable	1,425,875		1,672,948
Risk participation-out agreements	430,619		539,731
Risk participation-in agreements	100,934		102,198
Foreign exchange contracts (Notional amounts):
Buys foreign currency, sells U.S. currency	5,560		5,849
Sells foreign currency, buys U.S. currency	5,105		5,408

The Company considered the following criteria when determining whether a contract contains a lease, the existence of an identifiable asset and the right to obtain substantially all of the economic benefits from use of the asset through the period. The Company uses the FHLB classic advance rates available as of the lease's start dates as the discount rate to determine the net present value of the remaining lease payments.


	Six Months Ended June 30, 2025		Six Months Ended June 30, 2024
	(In Thousands)
The components of lease expense was as follows:
Operating lease cost	$	4,418	$	4,548





Supplemental cash flow information related to leases was as follows:
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows for operating leases	$	4,518	$	4,629


Right-of-use assets obtained in exchange for new lease obligations:
Operating leases assets	$	246	$	8,841
Operating leases liabilities	246		8,841


	At June 30, 2025		At December 31, 2024
	(In Thousands)
Supplemental balance sheet information related to leases was as follows:
Operating Leases
Operating lease right-of-use assets	$	42,415	$	43,527


Operating lease liabilities	43,528		44,785











Weighted Average Remaining Lease Term
Operating leases	9.08		8.90


Weighted Average Discount Rate
Operating leases	3.9%		4.1%

A summary of future minimum rental payments under such leases at the dates indicated follows:


	Minimum Rental Payments
	June 30, 2025
	(In Thousands)

Remainder of 2025	$	4,629
Year ending:
2026	8,976
2027	7,970
2028	6,421
2029	4,589
2030	2,978
Thereafter	15,370
Total	$	50,933
Less imputed interest	(7,405)
Present value of lease liability	$	43,528