v3.26.1
Note 3 - Loans
6 Months Ended
Jun. 30, 2026
Notes to Financial Statements  
Financing Receivables [Text Block]

NOTE 3 LOANS

 

Outstanding loans are summarized below:

 

(In thousands)

 

June 30, 2026

  

December 31, 2025

 

Commercial and industrial

 $1,111,610  $1,049,530 

Construction

  164,200   196,243 

Residential real estate

  38,007   45,669 

Commercial real estate

  909,932   854,342 

Consumer

  370   2,655 

Total outstanding loans, net of deferred fees

  2,224,119   2,148,439 

Allowance for credit losses on loans

  (21,501)  (22,261)

Total loans, net of allowance for credit losses on loans

 $2,202,618  $2,126,178 

 

From time to time, the Bank pledges loans as collateral under a short-term borrowing arrangement through the Discount Window of the Federal Reserve Bank. The Bank has pledged a total of $1.12 billion and $972.7 million of loans for borrowing capacity of $977.5 million and $853.9 million as of  June 30, 2026 and December 31, 2025, respectively. The Bank had no Federal Reserve Bank borrowings outstanding that were secured by loans as of June 30, 2026 and December 31, 2025.

 

The Bank has entered into an agreement providing for the pledging of loans for borrowing capacity with the Federal Home Loan Bank. The Bank pledged a total of $791.5 million of loans for borrowing capacity of $550.7 million as of  June 30, 2026. In comparison, the Bank pledged a total of $773.0 million of loans for borrowing capacity of $530.0 million as of  December 31, 2025. There were no FHLB borrowings outstanding as of  June 30, 2026 or  December 31, 2025.