| Schedule Of Loans By Year Of Origination And Internally Assigned Risk Ratings |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | | | | | | | | | | | | | Revolving | | Revolving | | | | | | Term Loans | | Loans | | Loans | | | | | | Amortized Cost Basis by Origination Year | | Amortized | | Converted | | | | As of June 30, 2025 | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | Prior | | Cost Basis | | to Term | | Total | Residential real estate 1-4 family: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass (1-5) | | $ | 2,350 | | $ | 5,106 | | $ | 9,864 | | $ | 7,033 | | $ | 9,603 | | $ | 26,137 | | $ | 3,853 | | $ | — | | $ | 63,946 | OAEM (6) | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard (7) | | | — | | | — | | | — | | | — | | | — | | | 183 | | | — | | | — | | | 183 | Doubtful (8) | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Commercial | | | 2,350 | | | 5,106 | | | 9,864 | | | 7,033 | | | 9,603 | | | 26,320 | | | 3,853 | | | — | | | 64,129 | Consumer: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | 22,112 | | | 44,460 | | | 65,419 | | | 29,813 | | | 13,755 | | | 34,146 | | | 61,274 | | | 16,579 | | | 287,558 | Nonperforming | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Consumer | | | 22,112 | | | 44,460 | | | 65,419 | | | 29,813 | | | 13,755 | | | 34,146 | | | 61,274 | | | 16,579 | | | 287,558 | Total | | $ | 24,462 | | $ | 49,566 | | $ | 75,283 | | $ | 36,846 | | $ | 23,358 | | $ | 60,466 | | $ | 65,127 | | $ | 16,579 | | $ | 351,687 | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Residential real estate construction: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass (1-5) | | $ | 3,124 | | $ | 14,420 | | $ | 1,663 | | $ | 403 | | $ | 470 | | $ | 2,062 | | $ | — | | $ | — | | $ | 22,142 | OAEM (6) | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard (7) | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful (8) | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Commercial | | | 3,124 | | | 14,420 | | | 1,663 | | | 403 | | | 470 | | | 2,062 | | | — | | | — | | | 22,142 | Consumer: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | 5,440 | | | 20,201 | | | — | | | — | | | — | | | — | | | — | | | — | | | 25,641 | Nonperforming | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Consumer | | | 5,440 | | | 20,201 | | | — | | | — | | | — | | | — | | | — | | | — | | | 25,641 | Total | | $ | 8,564 | | $ | 34,621 | | $ | 1,663 | | $ | 403 | | $ | 470 | | $ | 2,062 | | $ | — | | $ | — | | $ | 47,783 | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial real estate: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass (1-5) | | $ | 80,861 | | $ | 110,258 | | | 215,885 | | | 97,736 | | $ | 87,739 | | $ | 225,902 | | $ | 11,098 | | $ | — | | $ | 829,479 | OAEM (6) | | | — | | | — | | | 8,824 | | | 7,099 | | | 700 | | | 7,652 | | | — | | | — | | | 24,275 | Substandard (7) | | | — | | | — | | | 13,650 | | | 246 | | | — | | | 4,547 | | | 50 | | | — | | | 18,493 | Doubtful (8) | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 80,861 | | $ | 110,258 | | $ | 238,359 | | $ | 105,081 | | $ | 88,439 | | $ | 238,101 | | $ | 11,148 | | $ | — | | $ | 872,247 | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass (1-5) | | $ | 11,738 | | $ | 25,316 | | $ | 14,505 | | $ | 23,437 | | $ | 36,511 | | $ | 74,300 | | $ | 51,090 | | $ | — | | $ | 236,897 | OAEM (6) | | | — | | | — | | | 9 | | | 390 | | | 1,412 | | | 4 | | | 341 | | | — | | | 2,156 | Substandard (7) | | | — | | | — | | | — | | | — | | | — | | | — | | | 50 | | | — | | | 50 | Doubtful (8) | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 11,738 | | $ | 25,316 | | $ | 14,514 | | $ | 23,827 | | $ | 37,923 | | $ | 74,304 | | $ | 51,481 | | $ | — | | $ | 239,103 | Current period gross charge-offs | | $ | (6) | | $ | — | | $ | — | | $ | — | | $ | — | | $ | (7) | | $ | — | | $ | — | | $ | (13) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | 1,019 | | | 1,588 | | | 959 | | | 282 | | | 1,589 | | | 20 | | | 2,873 | | | — | | | 8,330 | Nonperforming | | | — | | | — | | | — | | | — | | | — | | | — | | | 7 | | | — | | | 7 | Total | | $ | 1,019 | | $ | 1,588 | | $ | 959 | | $ | 282 | | $ | 1,589 | | $ | 20 | | $ | 2,880 | | $ | — | | $ | 8,337 | Current period gross charge-offs | | $ | (40) | | $ | — | | $ | — | | $ | (1) | | $ | (1) | | $ | (1) | | $ | (18) | | $ | — | | $ | (61) |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | | | | | | | | | | | | | | | | | | Revolving | | Revolving | | | | | | Term Loans | | Loans | | Loans | | | | | | Amortized Cost Basis by Origination Year | | Amortized | | Converted | | | | As of December 31, 2024 | | 2024 | | 2023 | | 2022 | | 2021 | | 2020 | | Prior | | Cost Basis | | to Term | | Total | Residential real estate 1-4 family: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass (1-5) | | $ | 5,306 | | $ | 9,436 | | $ | 7,529 | | $ | 10,133 | | $ | 8,099 | | $ | 20,251 | | $ | 4,079 | | $ | — | | $ | 64,833 | OAEM (6) | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard (7) | | | — | | | — | | | — | | | — | | | — | | | — | | | 187 | | | — | | | 187 | Doubtful (8) | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Commercial | | | 5,306 | | | 9,436 | | | 7,529 | | | 10,133 | | | 8,099 | | | 20,251 | | | 4,266 | | | — | | | 65,020 | Consumer: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | 36,214 | | | 67,248 | | | 31,290 | | | 14,303 | | | 9,014 | | | 27,744 | | | 54,147 | | | 17,855 | | | 257,815 | Nonperforming | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Consumer | | | 36,214 | | | 67,248 | | | 31,290 | | | 14,303 | | | 9,014 | | | 27,744 | | | 54,147 | | | 17,855 | | | 257,815 | Total | | $ | 41,520 | | $ | 76,684 | | $ | 38,819 | | $ | 24,436 | | $ | 17,113 | | $ | 47,995 | | $ | 58,413 | | $ | 17,855 | | $ | 322,835 | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Residential real estate construction: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass (1-5) | | $ | 5,582 | | $ | 3,306 | | $ | 403 | | $ | 1,150 | | $ | 159 | | $ | 1,085 | | $ | — | | $ | — | | $ | 11,685 | OAEM (6) | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard (7) | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful (8) | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Commercial | | | 5,582 | | | 3,306 | | | 403 | | | 1,150 | | | 159 | | | 1,085 | | | — | | | — | | | 11,685 | Consumer: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | 19,907 | | | 835 | | | — | | | — | | | — | | | — | | | — | | | — | | | 20,742 | Nonperforming | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total Consumer | | | 19,907 | | | 835 | | | — | | | — | | | — | | | — | | | — | | | — | | | 20,742 | Total | | $ | 25,489 | | $ | 4,141 | | $ | 403 | | $ | 1,150 | | $ | 159 | | $ | 1,085 | | $ | — | | $ | — | | $ | 32,427 | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial real estate: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass (1-5) | | $ | 95,410 | | $ | 221,889 | | $ | 106,385 | | $ | 93,228 | | $ | 32,546 | | $ | 218,875 | | $ | 16,290 | | $ | — | | $ | 784,623 | OAEM (6) | | | — | | | — | | | 1,772 | | | 1,711 | | | 6,624 | | | — | | | — | | | — | | | 10,107 | Substandard (7) | | | — | | | 6,301 | | | 266 | | | — | | | — | | | 2,018 | | | 50 | | | — | | | 8,635 | Doubtful (8) | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 95,410 | | $ | 228,190 | | $ | 108,423 | | $ | 94,939 | | $ | 39,170 | | $ | 220,893 | | $ | 16,340 | | $ | — | | $ | 803,365 | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | (2) | | $ | — | | $ | — | | $ | (2) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass (1-5) | | $ | 25,398 | | $ | 16,289 | | $ | 27,545 | | $ | 37,927 | | $ | 18,196 | | $ | 60,126 | | $ | 42,595 | | $ | — | | $ | 228,076 | OAEM (6) | | | — | | | 11 | | | 420 | | | 1,500 | | | 9 | | | — | | | 250 | | | — | | | 2,190 | Substandard (7) | | | — | | | — | | | — | | | — | | | 58 | | | — | | | 273 | | | — | | | 331 | Doubtful (8) | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total | | $ | 25,398 | | $ | 16,300 | | $ | 27,965 | | $ | 39,427 | | $ | 18,263 | | $ | 60,126 | | $ | 43,118 | | $ | — | | $ | 230,597 | Current period gross charge-offs | | $ | (11) | | $ | — | | $ | (287) | | $ | — | | $ | — | | $ | — | | $ | (161) | | $ | — | | $ | (459) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | 2,289 | | | 1,140 | | | 386 | | | 1,682 | | | 36 | | | 27 | | | 3,291 | | | — | | | 8,851 | Nonperforming | | | — | | | — | | | — | | | 1 | | | — | | | — | | | 1 | | | — | | | 2 | Total | | $ | 2,289 | | $ | 1,140 | | $ | 386 | | $ | 1,683 | | $ | 36 | | $ | 27 | | $ | 3,292 | | $ | — | | $ | 8,853 | Current period gross charge-offs | | $ | (44) | | $ | — | | $ | — | | $ | — | | $ | (6) | | $ | — | | $ | (49) | | $ | — | | $ | (99) |
|
| Aging Of Payments Of The Loan Portfolio |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | | | Loans Past Due | | Total | | | | | Total | | | | 30-59 Days | | 60-89 Days | | 90 Days+ | | Past Due | | Current | | Loans | June 30, 2025 | | | | | | | | | | | | | | | | | | | | Residential Real Estate 1-4 Family | | | | | | | | | | | | | | | | | | | | First liens | | | $ | 18 | | $ | 211 | | $ | — | | $ | 229 | | $ | 263,811 | | $ | 264,040 | Junior liens and lines of credit | | | | 286 | | | 188 | | | — | | | 474 | | | 87,173 | | | 87,647 | Total | | | | 304 | | | 399 | | | — | | | 703 | | | 350,984 | | | 351,687 | Residential real estate - construction | | | | — | | | — | | | — | | | — | | | 47,783 | | | 47,783 | Commercial real estate | | | | 246 | | | — | | | 3,136 | | | 3,382 | | | 868,865 | | | 872,247 | Commercial | | | | 176 | | | — | | | — | | | 176 | | | 238,927 | | | 239,103 | Consumer | | | | 55 | | | 2 | | | — | | | 57 | | | 8,280 | | | 8,337 | Total | | | $ | 781 | | $ | 401 | | $ | 3,136 | | $ | 4,318 | | $ | 1,514,839 | | $ | 1,519,157 |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Loans Past Due | | Total | | | | | Total | | | | | 30-59 Days | | 60-89 Days | | 90 Days+ | | Past Due | | Current | | Loans | | December 31, 2024 | | | | | | | | | | | | | | | | | | | | | Residential Real Estate 1-4 Family | | | | | | | | | | | | | | | | | | | | | First liens | | | $ | 203 | | $ | 640 | | $ | — | | $ | 843 | | $ | 239,758 | | $ | 240,601 | | Junior liens and lines of credit | | | | 241 | | | 160 | | | — | | | 401 | | | 81,833 | | | 82,234 | | Total | | | | 444 | | | 800 | | | — | | | 1,244 | | | 321,591 | | | 322,835 | | Residential real estate - construction | | | | — | | | — | | | — | | | — | | | 32,427 | | | 32,427 | | Commercial real estate | | | | 380 | | | 219 | | | — | | | 599 | | | 802,766 | | | 803,365 | | Commercial | | | | 747 | | | 50 | | | 266 | | | 1,063 | | | 229,534 | | | 230,597 | | Consumer | | | | 30 | | | 4 | | | 2 | | | 36 | | | 8,817 | | | 8,853 | | Total | | | $ | 1,601 | | $ | 1,073 | | $ | 268 | | $ | 2,942 | | $ | 1,395,135 | | $ | 1,398,077 | |
|
| Allowance For Credit Losses (ACL), By Loan Segment |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Residential Real Estate 1-4 Family | | | | | | | | | | | | | First | | Junior Liens & | | | | | Commercial | | | | | | | | | (Dollars in thousands) | | Liens | | Lines of Credit | | Construction | | Real Estate | | Commercial | | Consumer | | Total | | | | | | | | | | | | | | | | | | | | | | | ACL at March 31, 2025 | | $ | 1,529 | | $ | 470 | | $ | 455 | | $ | 12,480 | | $ | 3,394 | | $ | 116 | | $ | 18,444 | Charge-offs | | | — | | | — | | | — | | | — | | | (10) | | | (43) | | | (53) | Recoveries | | | — | | | — | | | — | | | — | | | 21 | | | 6 | | | 27 | Provision | | | 108 | | | 18 | | | 106 | | | 372 | | | 55 | | | 45 | | | 704 | ACL at June 30, 2025 | | $ | 1,637 | | $ | 488 | | $ | 561 | | $ | 12,852 | | $ | 3,460 | | $ | 124 | | $ | 19,122 | | | | | | | | | | | | | | | | | | | | | | | ACL at December 31, 2024 | | $ | 1,497 | | $ | 461 | | $ | 376 | | $ | 12,004 | | $ | 3,182 | | $ | 133 | | $ | 17,653 | Charge-offs | | | — | | | — | | | — | | | — | | | (13) | | | (61) | | | (74) | Recoveries | | | — | | | — | | | 3 | | | — | | | 75 | | | 11 | | | 89 | Provision | | | 140 | | | 27 | | | 182 | | | 848 | | | 216 | | | 41 | | | 1,454 | ACL at June 30, 2025 | | $ | 1,637 | | $ | 488 | | $ | 561 | | $ | 12,852 | | $ | 3,460 | | $ | 124 | | $ | 19,122 | | | | | | | | | | | | | | | | | | | | | | | ACL at March 31, 2024 | | $ | 1,308 | | $ | 415 | | $ | 337 | | $ | 11,057 | | $ | 3,324 | | $ | 92 | | $ | 16,533 | Charge-offs | | | — | | | — | | | — | | | — | | | (83) | | | (18) | | | (101) | Recoveries | | | — | | | — | | | 3 | | | — | | | 20 | | | 3 | | | 26 | Provision | | | 76 | | | 14 | | | (22) | | | 366 | | | 103 | | | 23 | | | 560 | ACL at June 30, 2024 | | $ | 1,384 | | $ | 429 | | $ | 318 | | $ | 11,423 | | $ | 3,364 | | $ | 100 | | $ | 17,018 | | | | | | | | | | | | | | | | | | | | | | | ACL at December 31, 2023 | | $ | 1,296 | | $ | 419 | | $ | 296 | | $ | 10,657 | | $ | 3,290 | | $ | 94 | | $ | 16,052 | Charge-offs | | | — | | | — | | | — | | | (2) | | | (149) | | | (46) | | | (197) | Recoveries | | | — | | | — | | | 7 | | | — | | | 80 | | | 26 | | | 113 | Provision | | | 88 | | | 10 | | | 15 | | | 768 | | | 143 | | | 26 | | | 1,050 | ACL at June 30, 2024 | | $ | 1,384 | | $ | 429 | | $ | 318 | | $ | 11,423 | | $ | 3,364 | | $ | 100 | | $ | 17,018 |
|