v3.26.1
ALLOWANCE FOR CREDIT LOSSES FOR LOANS (Tables)
3 Months Ended
Mar. 31, 2026
ALLOWANCE FOR CREDIT LOSSES FOR LOANS  
Schedule of allowance for credit losses for loan

Commercial

Construction

Commercial

Reserve for

  ​ ​ ​

and industrial

  ​ ​ ​

and land

  ​ ​ ​

real estate

  ​ ​ ​

Residential

  ​ ​ ​

Consumer

  ​ ​ ​

Total

  ​ ​ ​

unfunded commitments

Three months ended March 31, 2026

  ​

  ​

  ​

  ​

  ​

  ​

  ​

Allowance for credit losses

 

  ​

 

  ​

 

  ​

 

  ​

 

  ​

 

  ​

 

  ​

Beginning balance

$

4,173

$

470

$

14,601

$

1,957

$

9

$

21,210

$

410

Charge-offs

 

 

 

(16)

 

 

(1)

 

(17)

 

Recoveries

 

2

 

 

 

 

 

2

 

(Reversal of) provision for credit losses

  ​

(92)

57

(529)

(35)

4

 

(595)

(75)

Ending balance

$

4,083

$

527

$

14,056

$

1,922

$

12

$

20,600

$

335

March 31, 2026

Allowance for credit losses:

 

  ​

 

  ​

 

  ​

 

  ​

 

  ​

 

  ​

Loans individually evaluated

$

$

$

1,346

$

$

$

1,346

Loans collectively evaluated

 

4,083

 

527

 

12,456

 

1,921

 

12

 

18,999

PCD loans

 

 

 

254

 

1

 

 

255

 

  ​

 

  ​

 

  ​

 

  ​

 

  ​

 

Loans receivable:

 

  ​

 

  ​

 

  ​

 

  ​

 

  ​

 

Individually evaluated

$

$

$

14,458

$

685

$

$

15,143

Collectively evaluated

 

167,311

 

10,137

 

1,693,586

 

110,758

 

1,292

 

1,983,084

PCD loans

 

 

 

12,495

 

32

 

 

12,527

Total loans

$

167,311

$

10,137

$

1,720,539

$

111,475

$

1,292

$

2,010,754

Commercial

Construction

Commercial

Reserve for

  ​ ​ ​

and industrial

  ​ ​ ​

and land

  ​ ​ ​

real estate

  ​ ​ ​

Residential

  ​ ​ ​

Consumer

Total

  ​ ​ ​

unfunded commitments

Three months ended March 31, 2025

  ​

  ​

  ​

  ​

  ​

  ​

  ​

Allowance for credit losses

 

  ​

 

  ​

 

  ​

 

  ​

 

  ​

  ​

 

  ​

Beginning balance

$

4,681

$

72

$

11,365

$

1,780

$

2

$

17,900

$

600

Charge-offs

 

(100)

(1)

(5)

(106)

Recoveries

 

2

 

 

1

1

 

4

 

Provision for (reversal of) credit losses

 

367

 

(51)

 

496

 

(118)

 

8

 

702

 

(60)

Ending balance

$

4,950

 

21

 

11,861

 

1,662

 

6

 

18,500

 

540

March 31, 2025

 

Allowance for credit losses:

 

  ​

 

  ​

 

  ​

 

  ​

 

  ​

 

  ​

 

  ​

Loans individually evaluated

$

704

$

$

596

$

$

$

1,300

Loans collectively evaluated

 

4,246

 

21

 

10,988

 

1,660

 

6

 

16,921

PCD loans

 

 

 

277

 

2

 

 

279

Loans receivable:

 

  ​

 

  ​

 

  ​

 

  ​

 

  ​

 

  ​

Individually evaluated

$

1,272

$

$

15,781

$

972

$

$

18,025

Collectively evaluated

 

178,131

 

476

 

1,642,372

 

106,091

 

534

 

1,927,604

PCD loans

 

 

1

 

20,507

 

208

 

 

20,716

Total loans

$

179,403

$

477

$

1,678,660

$

107,271

$

534

$

1,966,345

Schedule of amortized cost basis of individually evaluated collateral-dependent non-accrual loans by loan and collateral type

Retail and

  ​ ​ ​

Office

  ​ ​ ​

Hotel

  ​ ​ ​

Other

SFR 1-4

  ​ ​ ​

Total

  ​ ​ ​

ACL

March 31, 2026

  ​

  ​

  ​

  ​

  ​

  ​

Commercial real estate

$

8,240

$

5,489

$

729

$

$

14,458

$

1,346

Residential

 

685

685

 

Total

$

8,240

$

5,489

$

729

$

685

$

15,143

$

1,346

December 31, 2025

  ​

  ​

  ​

  ​

  ​

  ​

Commercial real estate

$

3,338

$

9,462

$

1,352

$

$

14,152

$

1,428

Residential

 

711

711

 

Total

$

3,338

$

9,462

$

1,352

$

711

$

14,863

$

1,428

Schedule of amortized cost and allowance for credit losses for loans on non-accrual status

As of March 31, 2026

As of December 31, 2025

Nonaccrual

Nonaccrual

Nonaccrual

Nonaccrual

with no allowance

with allowance

Total

with no allowance

with allowance

Total

  ​ ​ ​

for credit losses

  ​ ​ ​

for credit losses

  ​ ​ ​

nonaccrual

  ​ ​ ​

for credit losses

  ​ ​ ​

for credit losses

  ​ ​ ​

nonaccrual

Commercial and industrial

 

$

$

895

$

895

$

$

839

$

839

Commercial real estate

10,063

 

5,036

15,099

 

5,891

 

5,997

11,888

Residential

 

685

 

2

687

711

 

5

716

Total

$

10,748

$

5,933

$

16,681

$

6,602

$

6,841

$

13,443