Allowance for Credit Losses - Loans

Schedule of loan portfolio and allowance for credit losses

The following tables summarize the loan portfolio and allowance for credit losses (in thousands).

At June 30, 2026

Commercial real estate (owner occupied)

Commercial and industrial

Commercial real estate (non-owner occupied) - retail

Commercial real estate (non-owner occupied) - multi-family

Other commercial real estate (non-owner occupied)

Residential mortgages

Consumer

Total

Loans:

Individually evaluated

$

2,765

$

1,992

$

161

$

—

$

2,011

$

203

$

—

$

7,132

Collectively evaluated

82,190

140,249

167,885

121,722

215,759

166,574

113,503

1,007,882

Total loans

$

84,955

$

142,241

$

168,046

$

121,722

$

217,770

$

166,777

$

113,503

$

1,015,014

Allowance for credit losses:

Specific reserve allocation

$

—

$

541

$

—

$

—

$

—

$

—

$

—

$

541

General reserve allocation

317

2,413

3,152

1,220

3,681

368

1,204

12,355

Total allowance for credit losses

$

317

$

2,954

$

3,152

$

1,220

$

3,681

$

368

$

1,204

$

12,896


	At December 31, 2025
	Commercial real estate (owner occupied)		Commercial and industrial		Commercial real estate (non-owner occupied) - retail			Commercial real estate (non-owner occupied) - multi-family	Other commercial real estate (non-owner occupied)		Residential mortgages		Consumer		Total
Loans:
Individually evaluated	$	2,875	$	2,148	$	415	$	—	$	2,034	$	155	$	—	$	7,627
Collectively evaluated		82,358		142,177		171,115		131,085		215,901		169,659		112,805		1,025,100
Total loans	$	85,233	$	144,325	$	171,530	$	131,085	$	217,935	$	169,814	$	112,805	$	1,032,727
Allowance for credit losses:
Specific reserve allocation	$	—	$	558	$	—	$	—	$	—	$	—	$	—	$	558
General reserve allocation		319		2,429		3,248		1,403		3,725		296		1,150		12,570
Total allowance for credit losses	$	319	$	2,987	$	3,248	$	1,403	$	3,725	$	296	$	1,150	$	13,128

Schedule of non-performing assets from the loan portfolio

The following table presents non-accrual loans, loans past due 90 days or more still accruing interest, and OREO and repossessed assets by portfolio class (in thousands)


	At June 30, 2026
	Non-accrual with no ACL			Non-accrual with ACL			Total non-accrual			Loans past due 90 days or more still accruing		OREO and repossessed assets			Total non-performing assets
Commercial real estate (owner occupied)	$	2,765		$	—		$	2,765		$	—	$	—		$	2,765
Commercial and industrial		1,309			683			1,992			—		135			2,127
Commercial real estate (non-owner occupied) - retail		161			—			161			—		—			161
Other commercial real estate (non-owner occupied)		2,011			—			2,011			—		—			2,011
Residential mortgages		—			164			164			56		—			220
Consumer		—			589			589			—		7			596
Total	$	6,246		$	1,436		$	7,682		$	56	$	142		$	7,880


	At December 31, 2025
	Non-accrual with no ACL			Non-accrual with ACL			Total non-accrual			Loans past due 90 days or more still accruing		OREO and repossessed assets			Total non-performing assets
Commercial real estate (owner occupied)	$	2,875		$	—		$	2,875		$	—	$	—		$	2,875
Commercial and industrial		1,437			714			2,151			—		216			2,367
Commercial real estate (non-owner occupied) - retail		415			—			415			—		—			415
Other commercial real estate (non-owner occupied)		2,034			—			2,034			—		—			2,034
Residential mortgages		155			51			206			10		—			216
Consumer		—			611			611			—		—			611
Total	$	6,916		$	1,376		$	8,292		$	10	$	216		$	8,518

Schedule of residential mortgage and consumer loan portfolio


	At June 30, 2026
																			Revolving			Revolving
																			Loans			Loans
																			Amortized			Converted
	Term Loans Amortized Cost Basis by Origination Year																		Cost			to
	2026			2025			2024			2023			2022			Prior			Basis			Term			Total

	(In Thousands)
Residential mortgages
Performing	$	2,751		$	4,686		$	13,813		$	14,128		$	9,368		$	121,811		$	—		$	—		$	166,557
Non-performing		—			—			131			—			—			89			—			—			220
Total	$	2,751		$	4,686		$	13,944		$	14,128		$	9,368		$	121,900		$	—		$	—		$	166,777
Current period gross charge-offs	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Consumer
Performing	$	5,464		$	9,822		$	7,391		$	6,922		$	11,559		$	8,903		$	62,853		$	—		$	112,914
Non-performing		—			—			3			71			—			118			397			—			589
Total	$	5,464		$	9,822		$	7,394		$	6,993		$	11,559		$	9,021		$	63,250		$	—		$	113,503
Current period gross charge-offs	$	4		$	1		$	4		$	14		$	9		$	44		$	—		$	—		$	76
Total by payment performance
Performing	$	8,215		$	14,508		$	21,204		$	21,050		$	20,927		$	130,714		$	62,853		$	—		$	279,471
Non-performing		—			—			134			71			—			207			397			—			809
Total	$	8,215		$	14,508		$	21,338		$	21,121		$	20,927		$	130,921		$	63,250		$	—		$	280,280
Current period gross charge-offs	$	4		$	1		$	4		$	14		$	9		$	44		$	—		$	—		$	76


	At December 31, 2025
																			Revolving			Revolving
																			Loans			Loans
																			Amortized			Converted
	Term Loans Amortized Cost Basis by Origination Year																		Cost			to
	2025			2024			2023			2022			2021			Prior			Basis			Term			Total

	(In Thousands)
Residential mortgages
Performing	$	4,377		$	13,914		$	15,006		$	10,054		$	53,478		$	72,769		$	—		$	—		$	169,598
Non-performing		—			—			—			—			155			61			—			—			216
Total	$	4,377		$	13,914		$	15,006		$	10,054		$	53,633		$	72,830		$	—		$	—		$	169,814
Current period gross charge-offs	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Consumer
Performing	$	11,546		$	8,581		$	7,999		$	12,952		$	5,820		$	5,363		$	59,823		$	110		$	112,194
Non-performing		—			5			75			17			—			322			192			—			611
Total	$	11,546		$	8,586		$	8,074		$	12,969		$	5,820		$	5,685		$	60,015		$	110		$	112,805
Current period gross charge-offs	$	1		$	28		$	41		$	8		$	1		$	75		$	—		$	—		$	154
Total by payment performance
Performing	$	15,923		$	22,495		$	23,005		$	23,006		$	59,298		$	78,132		$	59,823		$	110		$	281,792
Non-performing		—			5			75			17			155			383			192			—			827
Total	$	15,923		$	22,500		$	23,080		$	23,023		$	59,453		$	78,515		$	60,015		$	110		$	282,619
Current period gross charge-offs	$	1		$	28		$	41		$	8		$	1		$	75		$	—		$	—		$	154

Schedule of modifications made to borrowers experiencing financial difficulty

The following tables summarize the amortized cost basis of loans modified to borrowers experiencing financial difficulty during the three and six months ended June 30, 2026 and 2025 (in thousands).

There were no loans modified to borrowers experiencing financial difficulty during the three months ended June 30, 2026.


	Six months ended June 30, 2026
	Combination - Payment Delay and Term Extension
	Amortized Cost Basis			% of Total Class of Loans
Commercial real estate (non-owner occupied) - retail	$	161			0.10	%
Total	$	161

As of June 30, 2026, the modified loan described in the table above was in non-accrual status and payments were 130 days past due.

There were no loans modified to borrowers experiencing financial difficulty during the three months ended June 30, 2025.


	Six months ended June 30, 2025
	Term Extension
	Amortized Cost Basis			% of Total Class of Loans
Residential mortgages	$	192			0.11	%
Total	$	192


Six months ended June 30, 2026
Combination - Payment Delay and Term Extension
Loan Type		Financial Effect
Commercial real estate (non-owner occupied) - retail		Provided a maturity date extension of nine months and interest due of $66,828 was deferred until maturity.


Six months ended June 30, 2025
Term Extension
Loan Type		Financial Effect
Residential mortgages		Provided maturity date extension of 230 months (approximately 19 years).