v3.26.1
Loans
 3 Months Ended
Mar. 31, 2026
Loans and Leases Receivable, Net Amount [Abstract]  
Loans Loans
The following table summarizes the Company’s major classifications for loans (in thousands):
March 31, 2026December 31, 2025
Commercial and industrial$441,617 $453,975 
  1-4 Family221,165 210,232 
  Hotels395,857 398,608 
  Multi-family227,687 237,424 
  Non Residential Non-Owner Occupied772,778 767,580 
  Non Residential Owner Occupied251,382 253,398 
Commercial real estate1,868,869 1,867,242 
Residential real estate1,913,389 1,910,060 
Home equity224,723 224,701 
Consumer42,994 47,353 
Demand deposit account (DDA) overdrafts4,106 3,674 
Gross loans4,495,698 4,507,005 
Allowance for credit losses(19,713)(19,862)
Net loans$4,475,985 $4,487,143 
Construction loans included in:
Commercial real estate$39,519 $35,781 
Residential real estate9,612 9,907 

The Company’s commercial and residential real estate construction loans are primarily secured by real estate within the Company’s principal markets.  These loans were originated under the Company’s loan policies, which are focused on the risk characteristics of the loan portfolio, including construction loans. In the judgment of the Company's management, adequate consideration has been given to these loans in establishing the Company's allowance for credit losses (see Note F for additional information).