| Schedule of aging of recorded investment |
The following tables present the aging of the recorded investment in loans by class of loans (dollars in thousands): | | | | | | | | | | | | | | | | | | | | | March 31, 2026 | | | 30 - 59 | | 60 - 89 | | 90 or more | | | | | | | | | | | | Days | | Days | | Days | | Total | | Loans Not | | | | | | Past Due | | Past Due | | Past Due | | Past Due | | Past Due | | Total | Commercial: | | | | | | | | | | | | | | | | | | | Real estate | | $ | 2 | | $ | — | | $ | 3,434 | | $ | 3,436 | | $ | 454,472 | | $ | 457,908 | Commercial and industrial | | | 670 | | | 19 | | | — | | | 689 | | | 129,578 | | | 130,267 | Construction | | | 1,000 | | | — | | | — | | | 1,000 | | | 200,366 | | | 201,366 | Residential mortgages | | | 1,657 | | | 1,219 | | | 99 | | | 2,975 | | | 817,800 | | | 820,775 | Home equity loans and lines | | | 1,018 | | | 125 | | | 33 | | | 1,176 | | | 96,316 | | | 97,492 | Consumer | | | 18 | | | 40 | | | — | | | 58 | | | 19,104 | | | 19,162 | Total | | $ | 4,365 | | $ | 1,403 | | $ | 3,566 | | $ | 9,334 | | $ | 1,717,636 | | $ | 1,726,970 |
| | | | | | | | | | | | | | | | | | | | | December 31, 2025 | | | 30 - 59 | | 60 - 89 | | 90 or more | | | | | | | | | | | | Days | | Days | | Days | | Total | | Loans Not | | | | | | Past Due | | Past Due | | Past Due | | Past Due | | Past Due | | Total | Commercial: | | | | | | | | | | | | | | | | | | | Real estate | | $ | 1 | | $ | 3 | | $ | 6,080 | | $ | 6,084 | | $ | 460,365 | | $ | 466,449 | Commercial and industrial | | | 23 | | | — | | | — | | | 23 | | | 124,872 | | | 124,895 | Construction | | | — | | | — | | | — | | | — | | | 169,724 | | | 169,724 | Residential mortgages | | | — | | | 2,322 | | | 471 | | | 2,793 | | | 790,864 | | | 793,657 | Home equity loans and lines | | | 660 | | | 216 | | | 392 | | | 1,268 | | | 96,361 | | | 97,629 | Consumer | | | 2,585 | | | — | | | — | | | 2,585 | | | 16,621 | | | 19,206 | Total | | $ | 3,269 | | $ | 2,541 | | $ | 6,943 | | $ | 12,753 | | $ | 1,658,807 | | $ | 1,671,560 |
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| Schedule of loans by risk category |
The following table presents loans summarized by segment and class, and the risk category (dollars in thousands): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans Amortized Cost Basis by Origination Year | | Revolving | | Revolving | | | | | | | | | | 2024 | | | | | | | | | | | Loans | | Loans | | | | | | | | | | | Transition | | | | | | | | | | | Amortized | | Converted | | | | March 31, 2026 | | 2026 | | 2025 | | Period | | 2024 | | 2023 | | Prior | | Cost Basis | | to Term | | Total | Commercial real estate | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk Rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 13,196 | | $ | 56,591 | | $ | 13,855 | | $ | 49,652 | | $ | 40,031 | | $ | 273,729 | | $ | 836 | | $ | — | | $ | 447,890 | Special mention | | | — | | | — | | | — | | | — | | | 447 | | | 712 | | | — | | | — | | | 1,159 | Substandard | | | — | | | — | | | — | | | — | | | 222 | | | 7,345 | | | 451 | | | — | | | 8,018 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | 841 | | | — | | | — | | | 841 | Total commercial real estate | | $ | 13,196 | | $ | 56,591 | | $ | 13,855 | | $ | 49,652 | | $ | 40,700 | | $ | 282,627 | | $ | 1,287 | | $ | — | | $ | 457,908 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial and industrial | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk Rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 1,323 | | $ | 29,328 | | $ | 8,677 | | $ | 10,947 | | $ | 3,214 | | $ | 9,258 | | $ | 63,939 | | $ | — | | $ | 126,686 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | 3,496 | | | 16 | | | — | | | 3,512 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | 69 | | | — | | | — | | | 69 | Total commercial and industrial | | $ | 1,323 | | $ | 29,328 | | $ | 8,677 | | $ | 10,947 | | $ | 3,214 | | $ | 12,823 | | $ | 63,955 | | $ | — | | $ | 130,267 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | 70 | | $ | — | | $ | | | $ | — | | $ | — | | $ | 70 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial construction | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk Rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 18,629 | | $ | 41,735 | | $ | 54,478 | | $ | 48,375 | | $ | 5,113 | | $ | 33,036 | | $ | — | | $ | — | | $ | 201,366 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total commercial construction | | $ | 18,629 | | $ | 41,735 | | $ | 54,478 | | $ | 48,375 | | $ | 5,113 | | $ | 33,036 | | $ | — | | $ | — | | $ | 201,366 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Residential mortgages | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 11,861 | | $ | 176,809 | | $ | 86,737 | | $ | 165,023 | | $ | 176,029 | | $ | 199,889 | | $ | 116 | | $ | — | | $ | 816,464 | Non-performing | | | — | | | — | | | | | | 493 | | | 1,663 | | | 2,155 | | | — | | | — | | | 4,311 | Total residential mortgages | | $ | 11,861 | | $ | 176,809 | | $ | 86,737 | | $ | 165,516 | | $ | 177,692 | | $ | 202,044 | | $ | 116 | | $ | — | | $ | 820,775 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Home equity loans and lines of credit | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 211 | | $ | 2,755 | | $ | 2,172 | | $ | 4,686 | | $ | 4,960 | | $ | 21,189 | | $ | 57,868 | | $ | 2,489 | | $ | 96,330 | Non-performing | | | — | | | — | | | — | | | — | | | — | | | 126 | | | 1,036 | | | — | | | 1,162 | Total home equity loans and lines of credit | | $ | 211 | | $ | 2,755 | | $ | 2,172 | | $ | 4,686 | | $ | 4,960 | | $ | 21,315 | | $ | 58,904 | | $ | 2,489 | | $ | 97,492 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 261 | | $ | 1,582 | | $ | 4,036 | | $ | 3,106 | | $ | 246 | | $ | 2,883 | | $ | 7,048 | | $ | — | | $ | 19,162 | Non-performing | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total consumer | | $ | 261 | | $ | 1,582 | | $ | 4,036 | | $ | 3,106 | | $ | 246 | | $ | 2,883 | | $ | 7,048 | | $ | — | | $ | 19,162 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross charge-offs | | $ | 13 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 13 |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Term Loans Amortized Cost Basis by Origination Year | | Revolving | | Revolving | | | | | | | | 2024 | | | | | | | | | | | | | | Loans | | Loans | | | | | | | | | Transition | | | | | | | | | | | | | | Amortized | | Converted | | | | December 31, 2025 | | 2025 | | Period | | 2024 | | 2023 | | 2022 | | Prior | | Cost Basis | | to Term | | Total | Commercial real estate | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk Rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 58,001 | | $ | 13,931 | | $ | 49,810 | | $ | 43,497 | | $ | 53,003 | | $ | 221,781 | | $ | 804 | | $ | — | | $ | 440,827 | Special mention | | | — | | | — | | | — | | | 451 | | | — | | | 5,571 | | | — | | | — | | | 6,022 | Substandard | | | — | | | — | | | — | | | 224 | | | 2,072 | | | 15,442 | | | 1,018 | | | — | | | 18,756 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | 844 | | | — | | | — | | | 844 | Total commercial real estate | | $ | 58,001 | | $ | 13,931 | | $ | 49,810 | | $ | 44,172 | | $ | 55,075 | | $ | 243,638 | | $ | 1,822 | | $ | — | | $ | 466,449 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 69 | | $ | — | | $ | — | | $ | — | | $ | 69 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial and industrial | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk Rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 31,169 | | $ | 9,030 | | $ | 12,433 | | $ | 3,588 | | $ | 2,533 | | $ | 7,307 | | $ | 55,233 | | $ | — | | $ | 121,293 | Special mention | | | — | | | — | | | — | | | — | | | — | | | 1,382 | | | — | | | — | | | 1,382 | Substandard | | | — | | | — | | | — | | | — | | | 12 | | | 2,130 | | | 3 | | | — | | | 2,145 | Doubtful | | | — | | | — | | | — | | | — | | | — | | | 75 | | | — | | | — | | | 75 | Total commercial and industrial | | $ | 31,169 | | $ | 9,030 | | $ | 12,433 | | $ | 3,588 | | $ | 2,545 | | $ | 10,894 | | $ | 55,236 | | $ | — | | $ | 124,895 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 27 | | $ | — | | $ | — | | $ | 27 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial construction | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk Rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 34,766 | | $ | 49,481 | | $ | 46,500 | | $ | 5,237 | | $ | 18,007 | | $ | 15,733 | | $ | — | | $ | — | | $ | 169,724 | Special mention | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Substandard | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Doubtful | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total commercial construction | | $ | 34,766 | | $ | 49,481 | | $ | 46,500 | | $ | 5,237 | | $ | 18,007 | | $ | 15,733 | | $ | — | | $ | — | | $ | 169,724 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Residential mortgages | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 144,861 | | $ | 88,510 | | $ | 172,024 | | $ | 179,426 | | $ | 38,112 | | $ | 166,745 | | $ | 119 | | $ | — | | $ | 789,797 | Non-performing | | | — | | | — | | | 495 | | | 1,104 | | | 483 | | | 1,778 | | | — | | | — | | | 3,860 | Total residential mortgages | | $ | 144,861 | | $ | 88,510 | | $ | 172,519 | | $ | 180,530 | | $ | 38,595 | | $ | 168,523 | | $ | 119 | | $ | — | | $ | 793,657 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | 4 | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 4 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Home equity loans and lines of credit | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 2,791 | | $ | 2,214 | | $ | 5,178 | | $ | 5,141 | | $ | 8,088 | | $ | 14,306 | | $ | 56,032 | | $ | 2,572 | | $ | 96,322 | Non-performing | | | — | | | — | | | — | | | — | | | — | | | 135 | | | 1,172 | | | — | | | 1,307 | Total home equity loans and lines of credit | | $ | 2,791 | | $ | 2,214 | | $ | 5,178 | | $ | 5,141 | | $ | 8,088 | | $ | 14,441 | | $ | 57,204 | | $ | 2,572 | | $ | 97,629 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross charge-offs | | $ | — | | $ | — | | $ | — | | $ | — | | $ | — | | $ | 23 | | $ | — | | $ | — | | $ | 23 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 1,595 | | $ | 4,265 | | $ | 3,317 | | $ | 303 | | $ | 25 | | $ | 2,910 | | $ | 6,791 | | $ | — | | $ | 19,206 | Non-performing | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | | | — | Total consumer | | $ | 1,595 | | $ | 4,265 | | $ | 3,317 | | $ | 303 | | $ | 25 | | $ | 2,910 | | $ | 6,791 | | $ | — | | $ | 19,206 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Current period gross charge-offs | | $ | 98 | | $ | — | | $ | — | | $ | 6 | | $ | 4 | | $ | 1 | | $ | — | | $ | — | | $ | 109 |
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