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Allowance for Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2024
Receivables [Abstract]  
Schedule of Originated and Acquired Credit Losses by Portfolio Segment
Changes in the allowance for credit losses for the years ended December 31, 2024, 2023 and 2022 are summarized as follows:

Allowance for Credit Losses - Loans and Leases
(In thousands)202420232022
Total allowance at beginning of year $51,584 $45,934 $42,843 
Impact of adopting ASU 2022-020 64 0 
Provision for credit loss expense7,418 4,865 2,499 
Recoveries on loans and leases634 1,820 1,798 
Charge-offs on loans and leases(3,140)(1,099)(1,206)
Total allowance at end of year$56,496 $51,584 $45,934 

Allowance for Credit Losses - Off-Balance Sheet Credit Exposures

(In thousands)202420232022
Liabilities for off-balance sheet credit exposures at beginning of period$2,270 $2,796 $2,506 
(Credit) provision for credit loss expense related to off-balance sheet credit exposures(807)(526)290 
Liabilities for off-balance sheet credit exposures at end of period$1,463 $2,270 $2,796 

The following tables detail activity in the allowance for credit losses for loans for the years ended December 31, 2024 and 2023. The allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
 
December 31, 2024
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balance$6,667 $31,581 $11,700 $1,557 $79 $51,584 
Charge-offs(293)(249)0 (2,598)0 (3,140)
Recoveries40 7 135 452 0 634 
Provision (credit) for credit loss expense1,270 4,498 (490)2,157 (17)7,418 
Ending Balance$7,684 $35,837 $11,345 $1,568 $62 $56,496 
 
December 31, 2023
(In thousands)Commercial
& Industrial		Commercial
Real Estate		Residential
Real Estate		Consumer
and Other		Finance
Leases		Total
Allowance for credit losses:
Beginning balance$6,039 $27,287 $11,154 $1,358 $96 $45,934 
Impact of adopting ASU 2022-022 16 46 0 0 64 
Charge-offs(34)0 (20)(1,045)0 (1,099)
Recoveries87 1,292 186 255 0 1,820 
Provision (credit) for credit loss expense573 2,986 334 989 (17)4,865 
Ending Balance$6,667 $31,581 $11,700 $1,557 $79 $51,584 
The following tables present the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related allowance for credit losses allocated to these loans as of December 31, 2024 and 2023:

December 31, 2024
(In thousands)Real EstateBusiness AssetsOtherTotalACL Allocation
Commercial and Industrial$610 $0 $0 $610 $0 
Commercial Real Estate31,051 0 0 31,051 1,712 
Total Loans and Leases$31,661 $0 $0 $31,661 $1,712 

December 31, 2023
(In thousands)Real EstateBusiness AssetsOtherTotalACL Allocation
Commercial and Industrial$2,035 $0 $0 $2,035 $0 
Commercial Real Estate42,333 0 0 42,333 1,082 
Total Loans and Leases$44,368 $0 $0 $44,368 $1,082 
Schedule of Loan Modifications with Financial Difficulty
The following tables show the amortized cost basis at December 31, 2024 and 2023 of the loans modified to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted:

December 31, 2024
(In thousands)Term ExtensionInterest Rate ReductionPayment Delay and Term ExtensionTerm Extension and Interest Rate ReductionPayment DelayTotal% of Total Class of Loans and Leases
Commercial and Industrial
Commercial and industrial other$10 $463 $0 $110 $45 $628 0.07 %
Subtotal commercial and industrial10 463 0 110 45 628 0.07 %
Commercial Real Estate
Commercial real estate other0 2,990 0 0 394 3,384 0.12 %
Subtotal commercial real estate0 2,990 0 0 394 3,384 0.10 %
Residential
Home equity0 0 0 40 0 40 0.02 %
Mortgages0 0 0 112 548 660 0.05 %
Subtotal residential0 0 0 152 548 700 0.04 %
Consumer
Consumer and other22 0 0 0 0 22 0.02 %
Subtotal consumer22 0 0 0 0 22 0.02 %
Total loans and leases$32 $3,453 $0 $262 $987 $4,734 0.08 %
December 31, 2023
(In thousands)Term ExtensionInterest Rate ReductionPayment Delay and Term ExtensionTerm Extension and Interest Rate ReductionPayment DelayTotal% of Total Class of Loans and Leases
Commercial Real Estate
Commercial real estate other0 3,114 0 0 0 3,114 0.12 %
Subtotal commercial real estate0 3,114 0 0 0 3,114 0.10 %
Residential
Mortgages0 0 0 0 402 402 0.03 %
Subtotal residential0 0 0 0 402 402 0.03 %
Consumer
Consumer and other21 0 0 0 0 21 0.02 %
Subtotal consumer21 0 0 0 0 21 0.02 %
Total loans and leases$21 $3,114 $0 $0 $402 $3,537 0.06 %
The following tables show the aging analysis of loan modifications made to borrowers experiencing financial difficulty as of December 31, 2024 and 2023:
December 31, 2024Payment Status (Amortized Cost Basis)
(In thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past DueNon-AccrualTotal
Commercial and Industrial
Commercial and industrial other$618 $0 $0 $0 $10 $628 
Subtotal commercial and industrial618 0 0 0 10 628 
Commercial Real Estate
Commercial real estate other3,384 0 0 0 0 3,384 
Subtotal commercial real estate3,384 0 0 0 0 3,384 
Residential Real Estate
Home equity0 0 0 0 40 40 
Mortgages154 0 112 0 394 660 
Subtotal residential real estate154 0 112 0 434 700 
Consumer and Other
Consumer and other0 0 0 0 22 22 
Subtotal consumer and other0 0 0 0 22 22 
Total$4,156 $0 $112 $0 $466 $4,734 
December 31, 2023Payment Status (Amortized Cost Basis)
(In thousands)Current30-59 Days Past Due60-89 Days Past Due90+ Days Past DueNon-AccrualTotal
Commercial Real Estate
Commercial real estate other$3,114 $0 $0 $0 $0 $3,114 
Subtotal commercial real estate3,114 0 0 0 0 3,114 
Residential Real Estate
Mortgages158 0 0 0 244 402 
Subtotal residential real estate158 0 0 0 244 402 
Consumer and Other
Consumer and other0 0 0 0 21 21 
Subtotal consumer and other0 0 0 0 21 21 
Total$3,272 $0 $0 $0 $265 $3,537 
Schedule of Credit Quality Indicators on Loans by Class of Commercial and Industrial Loans and Commercial Real Estate Loans
The following tables present credit quality indicators by total loans on an amortized cost basis by origination year, and current year gross writeoffs as of December 31, 2024 and 2023:

December 31, 2024
(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Commercial and Industrial - Other:
Internal risk grade:
Pass$164,809 $114,591 $60,984 $54,087 $19,311 $144,785 $256,621 $35,968 $851,156 
Special Mention334 288 174 808 144 375 157 0 2,280 
Substandard425 0 41 43 4 608 1,011 0 2,132 
Total Commercial and Industrial - Other$165,568 $114,879 $61,199 $54,938 $19,459 $145,768 $257,789 $35,968 $855,568 
Current-period gross writeoffs$0 $15 $30 $44 $21 $432 $0 $0 $542 
Commercial and Industrial - Agriculture:
Pass$15,686 $23,823 $9,893 $2,233 $1,660 $11,304 $42,438 $2,895 $109,932 
Special Mention0 0 0 34 0 0 0 0 34 
Substandard0 0 0 0 41 0 0 0 41 
Total Commercial and Industrial - Agriculture$15,686 $23,823 $9,893 $2,267 $1,701 $11,304 $42,438 $2,895 $110,007 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate
Pass$331,943 $242,564 $324,510 $355,090 $277,220 $1,088,575 $50,632 $16,958 $2,687,492 
Special Mention0 0 1,499 599 15,205 12,637 4,452 0 34,392 
Substandard731 973 1,474 2,561 1,840 45,856 985 0 54,420 
Total Commercial Real Estate$332,674 $243,537 $327,483 358,250 294,265 1,147,068 $56,069 $16,958 $2,776,304 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Agriculture:
Pass$23,754 $11,594 $37,398 $21,510 $19,853 $96,967 $4,169 $1,950 $217,195 
Special Mention0 0 0 0 0 217 0 0 217 
Substandard0 0 0 0 0 170 0 0 170 
Total Commercial Real Estate - Agriculture$23,754 $11,594 $37,398 $21,510 $19,853 $97,354 $4,169 $1,950 $217,582 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Construction
Pass$13,160 $744 $682 $5,003 $1,986 $802 $293,479 $52,675 $368,531 
Special Mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 0 17,400 0 17,400 
Total Commercial Real Estate - Construction$13,160 $744 $682 $5,003 $1,986 $802 $310,879 $52,675 $385,931 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Residential - Home Equity
Performing$15,181 $3,106 $2,383 $1,053 $784 $12,993 $163,202 $2,603 $201,305 
Nonperforming0 0 0 0 0 594 2,295 0 2,889 
Total Residential - Home Equity$15,181 $3,106 $2,383 $1,053 $784 $13,587 $165,497 $2,603 $204,194 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Residential - Mortgages
Performing$106,698 $130,463 $172,310 $239,307 $204,310 $500,169 $0 $0 $1,353,257 
Nonperforming0 707 612 737 948 10,385 0 0 13,389 
Total Residential - Mortgages$106,698 $131,170 $172,922 $240,044 $205,258 $510,554 $0 $0 $1,366,646 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Consumer - Direct
Performing$40,812 $18,082 $10,022 $9,109 $3,953 $11,485 $2,575 $0 $96,038 
Nonperforming0 4 24 8 4 77 8 0 125 
Total Consumer - Direct$40,812 $18,086 $10,046 $9,117 $3,957 $11,562 $2,583 $0 $96,163 
Current-period gross writeoffs$2,272 $15 $11 $32 $10 $229 $0 $0 $2,569 
Consumer - Indirect
Performing$0 $0 $0 $52 $23 $141 $0 $0 $216 
Nonperforming0 0 0 0 0 13 0 0 13 
Total Consumer - Indirect$0 $0 $0 $52 $23 $154 $0 $0 $229 
Current-period gross writeoffs$0 $0 $0 $0 $0 $29 $0 $0 $29 
December 31, 2023
(In thousands)20232022202120202019PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Commercial and Industrial - Other:
Pass$130,993 $92,335 $68,294 $28,377 $33,618 $141,758 $212,349 $5,063 $712,787 
Special Mention915 196 222 242 79 1,287 682 0 3,623 
Substandard0 46 78 329 18 2,833 2,580 0 5,884 
Total Commercial and Industrial - Other$131,908 $92,577 $68,594 $28,948 $33,715 $145,878 $215,611 $5,063 $722,294 
Current-period gross writeoffs$6 $0 $0 $0 $0 $29 $0 $0 $35 
Commercial and Industrial - Agriculture:
Pass$24,924 $11,935 $3,341 $3,114 $3,268 $16,759 $36,728 $1,030 $101,099 
Special Mention0 0 47 0 0 0 0 0 47 
Substandard0 0 0 56 0 8 1 0 65 
Total Commercial and Industrial - Agriculture$24,924 $11,935 $3,388 $3,170 $3,268 $16,767 $36,729 $1,030 $101,211 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate
Pass$246,016 $317,583 $365,975 $292,960 $272,722 $921,201 $34,346 $24,949 $2,475,752 
Special Mention0 632 0 17,133 11,422 16,100 0 0 45,287 
Substandard0 15,300 2,128 0 2,059 45,709 1,356 0 66,552 
Total Commercial Real Estate$246,016 $333,515 $368,103 $310,093 $286,203 $983,010 $35,702 $24,949 $2,587,591 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Agriculture:
Pass$14,668 $37,256 $22,813 $21,001 $23,794 $93,890 $257 $6,364 $220,043 
Special Mention0 0 0 0 378 1,033 0 0 1,411 
Substandard0 0 0 0 170 46 0 0 216 
Total Commercial Real Estate - Agriculture$14,668 $37,256 $22,813 $21,001 $24,342 $94,969 $257 $6,364 $221,670 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Commercial Real Estate - Construction
Pass$9,265 $2,793 $8,068 $2,501 $357 $596 $274,224 $5,602 $303,406 
Special Mention0 0 0 0 0 0 0 0 0 
Substandard0 0 0 0 0 0 0 0 0 
Total Commercial Real Estate - Construction$9,265 $2,793 $8,068 $2,501 $357 $596 $274,224 $5,602 $303,406 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
(In thousands)20232022202120202019PriorRevolving Loans Amortized Cost BasisRevolving Loans Converted to TermTotal Loans
Residential - Home Equity
Performing$2,378 $2,237 $890 $529 $832 $8,178 $164,205 $5,837 $185,086 
Nonperforming0 0 0 0 0 337 2,893 0 3,230 
Total Residential - Home Equity$2,378 $2,237 $890 $529 $832 $8,515 $167,098 $5,837 $188,316 
Current-period gross writeoffs$0 $0 $0 $0 $0 $20 $0 $0 $20 
Residential - Mortgages
Performing$131,004 $186,401 $256,127 $221,945 $109,594 $456,167 $0 $0 $1,361,238 
Nonperforming0 393 329 986 883 9,446 0 0 12,037 
Total Residential - Mortgages$131,004 $186,794 $256,456 $222,931 $110,477 $465,613 $0 $0 $1,373,275 
Current-period gross writeoffs$0 $0 $0 $0 $0 $0 $0 $0 $0 
Consumer - Direct
Performing$50,295 $13,327 $11,316 $5,157 $4,037 $9,857 $2,723 $0 $96,712 
Nonperforming2 0 0 0 70 157 1 0 230 
Total Consumer - Direct$50,297 $13,327 $11,316 $5,157 $4,107 $10,014 $2,724 $0 $96,942 
Current-period gross writeoffs$801 $29 $16 $21 $83 $28 $0 $0 $978 
Consumer - Indirect
Performing$0 $0 $97 $68 $402 $234 $0 $0 $801 
Nonperforming0 0 0 0 30 10 0 0 40 
Total Consumer - Indirect$0 $0 $97 $68 $432 $244 $0 $0 $841 
Current-period gross writeoffs$0 $0 $0 $0 $53 $14 $0 $0 $67