Schedule Of Loans Outstanding |
| | | | | | | | | | | | | | | | June 30, | | December 31, | (Dollars in thousands) | | 2025 | | 2024 | Residential real estate 1-4 family | | | | | | | Consumer first liens | | $ | 205,969 | | $ | 181,780 | Commercial first lien | | | 58,071 | | | 58,821 | Total first liens | | | 264,040 | | | 240,601 | | | | | | | | Consumer junior liens and lines of credit | | | 81,589 | | | 76,035 | Commercial junior liens and lines of credit | | | 6,058 | | | 6,199 | Total junior liens and lines of credit | | | 87,647 | | | 82,234 | Total residential real estate 1-4 family | | | 351,687 | | | 322,835 | | | | | | | | Residential real estate - construction | | | | | | | Consumer | | | 25,641 | | | 20,742 | Commercial | | | 22,142 | | | 11,685 | Total residential real estate construction | | | 47,783 | | | 32,427 | | | | | | | | Commercial real estate | | | 872,247 | | | 803,365 | Commercial | | | 239,103 | | | 230,597 | Total commercial | | | 1,111,350 | | | 1,033,962 | | | | | | | | Consumer | | | 8,337 | | | 8,853 | | | | 1,519,157 | | | 1,398,077 | Less: Allowance for credit losses | | | (19,122) | | | (17,653) | Net Loans | | $ | 1,500,035 | | $ | 1,380,424 | | | | | | | | Included in the loan balances are the following: | | | | | | | Net unamortized deferred loan costs | | $ | 1,642 | | $ | 1,766 | | | | | | | | Loans pledged as collateral for borrowings and commitments from: | | | | | | | FHLB | | $ | 858,988 | | $ | 775,410 | Federal Reserve Bank | | | 97,445 | | | 96,592 | | | $ | 956,433 | | $ | 872,002 | | | | | | | |
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