| Allowance for Credit Losses on Loans Rollforward |
The following table presents the activity in the ACL on loans for the three months ended September 30, 2026: | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | Commercial | | | Consumer | | | | CRE | C&I | Total Commercial | Residential Real Estate | Home Equity | Other | Total Consumer | Total | | Beginning Balance | $25,446 | | $9,557 | | $35,003 | | $6,150 | | $1,225 | | $193 | | $1,418 | | $42,571 | | | | | | | | | | | | Charge-offs | (3,830) | | (12) | | (3,842) | | — | | — | | (68) | | (68) | | (3,910) | | | Recoveries | — | | 15 | | 15 | | — | | — | | 12 | | 12 | | 27 | | | Provision | 2,145 | | (244) | | 1,901 | | (135) | | 20 | | 14 | | 34 | | 1,800 | | | Ending Balance | $23,761 | | $9,316 | | $33,077 | | $6,015 | | $1,245 | | $151 | | $1,396 | | $40,488 | |
The following table presents the activity in the ACL on loans for the nine months ended September 30, 2026: | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | Commercial | | | Consumer | | | | CRE | C&I | Total Commercial | Residential Real Estate | Home Equity | Other | Total Consumer | Total | | Beginning Balance | $19,766 | | $9,750 | | $29,516 | | $6,270 | | $1,186 | | $264 | | $1,450 | | $37,236 | | | | | | | | | | | | Charge-offs | (3,830) | | (41) | | (3,871) | | — | | — | | (201) | | (201) | | (4,072) | | | Recoveries | — | | 86 | | 86 | | 1 | | 1 | | 36 | | 37 | | 124 | | | Provision | 7,825 | | (479) | | 7,346 | | (256) | | 58 | | 52 | | 110 | | 7,200 | | | Ending Balance | $23,761 | | $9,316 | | $33,077 | | $6,015 | | $1,245 | | $151 | | $1,396 | | $40,488 | |
The following table presents the activity in the ACL on loans for the three months ended September 30, 2025: | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | Commercial | | | Consumer | | | | CRE | C&I | Total Commercial | Residential Real Estate | Home Equity | Other | Total Consumer | Total | | Beginning Balance | $19,604 | | $13,158 | | $32,762 | | $6,919 | | $1,107 | | $271 | | $1,378 | | $41,059 | | | | | | | | | | | | Charge-offs | (2,991) | | (8,357) | | (11,348) | | — | | — | | (111) | | (111) | | (11,459) | | | Recoveries | — | | 2 | | 2 | | — | | 15 | | 9 | | 24 | | 26 | | | Provision | 2,230 | | 4,911 | | 7,141 | | (296) | | 14 | | 91 | | 105 | | 6,950 | | | Ending Balance | $18,843 | | $9,714 | | $28,557 | | $6,623 | | $1,136 | | $260 | | $1,396 | | $36,576 | |
The following table presents the activity in the ACL on loans for the nine months ended September 30, 2025: | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | Commercial | | | Consumer | | | | CRE | C&I | Total Commercial | Residential Real Estate | Home Equity | Other | Total Consumer | Total | | Beginning Balance | $26,485 | | $7,277 | | $33,762 | | $6,832 | | $1,031 | | $335 | | $1,366 | | $41,960 | | | | | | | | | | | | Charge-offs | (5,715) | | (8,681) | | (14,396) | | — | | — | | (252) | | (252) | | (14,648) | | | Recoveries | 200 | | 16 | | 216 | | — | | 17 | | 31 | | 48 | | 264 | | | Provision | (2,127) | | 11,102 | | 8,975 | | (209) | | 88 | | 146 | | 234 | | 9,000 | | | Ending Balance | $18,843 | | $9,714 | | $28,557 | | $6,623 | | $1,136 | | $260 | | $1,396 | | $36,576 | |
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