v3.25.2
Allowance for Loan Losses (Tables)
6 Months Ended
Jun. 30, 2025
Allowance for Credit Loss [Abstract]  
Schedule of Changes in Allowance For Credit Losses on Loans Receivable and Unfunded Commitments
The following tables detail the activity in the ACL on loans by segment and class for the periods indicated:
Three Months Ended June 30, 2025
Beginning BalanceCharge-offs RecoveriesProvision for (Reversal of) Credit LossesEnding Balance
(Dollars in thousands)
Commercial business:
Commercial and industrial$9,343 $(454)$18 $478 $9,385 
Owner-occupied CRE13,309 — — 125 13,434 
Non-owner occupied CRE15,630 — — (96)15,534 
Total commercial business38,282 (454)18 507 38,353 
Residential real estate
4,045 — — (103)3,942 
Real estate construction and land development:
Residential
728 — — 140 868 
Commercial and multifamily
7,216 — — 232 7,448 
Total real estate construction and land development7,944 — — 372 8,316 
Consumer1,889 (104)46 87 1,918 
Total$52,160 $(558)$64 $863 $52,529 
Six Months Ended June 30, 2025
Beginning BalanceCharge-offs RecoveriesProvision for (Reversal of) Credit LossesEnding Balance
(Dollars in thousands)
Commercial business:
Commercial and industrial$9,766 $(676)$44 $251 $9,385 
Owner-occupied CRE12,819 — — 615 13,434 
Non-owner occupied CRE15,708 — — (174)15,534 
Total commercial business38,293 (676)44 692 38,353 
Residential real estate
3,464 — — 478 3,942 
Real estate construction and land development:
Residential779 — — 89 868 
Commercial and multifamily
7,877 — — (429)7,448 
Total real estate construction and land development8,656 — — (340)8,316 
Consumer2,055 (258)97 24 1,918 
Total$52,468 $(934)$141 $854 $52,529 
Three Months Ended June 30, 2024
Beginning BalanceCharge-offs Recoveries
(Reversal of) Provision for Credit Losses
Ending Balance
(Dollars in thousands)
Commercial business:
Commercial and industrial$11,647 $(312)$159 $(360)$11,134 
Owner-occupied CRE9,392 — 359 99 9,850 
Non-owner occupied CRE12,874 — — 609 13,483 
Total commercial business33,913 (312)518 348 34,467 
Residential real estate3,478 — — 257 3,735 
Three Months Ended June 30, 2024
Beginning BalanceCharge-offs Recoveries
(Reversal of) Provision for Credit Losses
Ending Balance
(Dollars in thousands)
Real estate construction and land development:
Residential917 — — (7)910 
Commercial and multifamily
9,158 — — 750 9,908 
Total real estate construction and land development10,075 — — 743 10,818 
Consumer2,270 (238)45 122 2,199 
Total$49,736 $(550)$563 $1,470 $51,219 
Six Months Ended June 30, 2024
Beginning BalanceCharge-offs RecoveriesProvision for (Reversal of) Credit LossesEnding Balance
(Dollars in thousands)
Commercial business:
Commercial and industrial$11,128 $(389)$376 $19 $11,134 
Owner-occupied CRE8,999 — 359 492 9,850 
Non-owner occupied CRE11,176 — — 2,307 13,483 
Total commercial business31,303 (389)735 2,818 34,467 
Residential real estate3,473 — — 262 3,735 
Real estate construction and land development:
Residential
1,643 — — (733)910 
Commercial and multifamily
9,233 — — 675 9,908 
Total real estate construction and land development10,876 — — (58)10,818 
Consumer2,347 (361)61 152 2,199 
Total$47,999 $(750)$796 $3,174 $51,219 
The following table details the activity in the ACL on unfunded commitments during the periods indicated:
Three Months Ended
June 30,
Six Months Ended
June 30,
2025202420252024
(Dollars in thousands)
Balance, beginning of period$647 $976 $587 $1,288 
Provision for (reversal of) credit losses on unfunded commitments93 (202)153 (514)
Balance, end of period$740 $774 $740 $774