0001387131-23-013074.txt : 20231103 0001387131-23-013074.hdr.sgml : 20231103 20231103163952 ACCESSION NUMBER: 0001387131-23-013074 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 84 CONFORMED PERIOD OF REPORT: 20230930 FILED AS OF DATE: 20231103 DATE AS OF CHANGE: 20231103 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Western New England Bancorp, Inc. CENTRAL INDEX KEY: 0001157647 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 731627673 STATE OF INCORPORATION: MA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 001-16767 FILM NUMBER: 231376994 BUSINESS ADDRESS: STREET 1: 141 ELM STREET CITY: WESTFIELD STATE: MA ZIP: 01085 BUSINESS PHONE: 413-568-1911 MAIL ADDRESS: STREET 1: 141 ELM STREET CITY: WESTFIELD STATE: MA ZIP: 01085 FORMER COMPANY: FORMER CONFORMED NAME: WESTFIELD FINANCIAL INC DATE OF NAME CHANGE: 20010816 10-Q 1 wneb-10q_093023.htm QUARTERLY REPORT
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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 10-Q

 

☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2023

 

or

 

☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from ___________ to ___________

 

Commission File Number: 001-16767

 

Western New England Bancorp, Inc.

(Exact name of registrant as specified in its charter)

 

Massachusetts   73-1627673
       (State or other jurisdiction of incorporation or organization)   (IRS Employer Identification Number)

 

141 Elm Street, Westfield, Massachusetts 01086
(Address of principal executive offices) (Zip Code)

 

(413) 568-1911

(Registrant’s telephone number, including area code)

 

 

(Former name, former address and former fiscal year, if changed since last report)

 

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class Trading Symbol(s) Name of each exchange on which registered
Common Stock, $0.01 par value per share WNEB NASDAQ

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.  Yes ☒     No ☐

 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).  Yes ☒     No ☐

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer ☐ Accelerated filer ☒
Non-accelerated filer ☐  Smaller reporting company ☒
Emerging growth company ☐  

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).  Yes ☐    No ☒ 

 

At October 31, 2023 the registrant had 21,712,815 shares of common stock, $0.01 par value, issued and outstanding.

 

 

 

 

 

TABLE OF CONTENTS

 

 

Page

 

FORWARD-LOOKING STATEMENTS i
     
PART I – FINANCIAL INFORMATION
   
Item 1. Financial Statements of Western New England Bancorp, Inc. and Subsidiaries (Unaudited)  
     
  Consolidated Balance Sheets – September 30, 2023 and December 31, 2022 1
     
Consolidated Statements of Net Income – Three and Nine Months Ended September 30, 2023 and 2022 2
     
Consolidated Statements of Comprehensive Income – Three and Nine Months Ended September 30, 2023 and 2022 3
     
  Consolidated Statements of Changes in Shareholders’ Equity – Three and Nine Months Ended September 30, 2023 and 2022 4
     
  Consolidated Statements of Cash Flows – Nine Months Ended September 30, 2023 and 2022 6
     
  Notes to Consolidated Financial Statements 7
     
Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations 37
     
Item 3. Quantitative and Qualitative Disclosures About Market Risk 54
     
Item 4. Controls and Procedures 54
     
PART II – OTHER INFORMATION  
   
Item 1. Legal Proceedings 54
     
Item 1A. Risk Factors 54
     
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds 55
     
Item 3. Defaults upon Senior Securities 55
     
Item 4. Mine Safety Disclosures 55
     
Item 5. Other Information 55
     
Item 6. Exhibits 55

 

 

 

 

FORWARD–LOOKING STATEMENTS

 

We may, from time to time, make written or oral “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 with respect to the Company’s financial condition, liquidity, results of operations, future performance, and business. Forward-looking statements may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” and “potential.” Examples of forward-looking statements include, but are not limited to, estimates with respect to our financial condition, results of operations and business that are subject to various factors which could cause actual results to differ materially from these estimates. These factors include, but are not limited to:

 

●unpredictable changes in general economic conditions, financial markets, fiscal, monetary and regulatory policies, including actual or potential stress in the banking industry;

●the duration and scope of potential pandemics, including the emergence of new variants and the response thereto;

●changes in economic conditions which could materially impact credit quality trends and the ability to generate loans and gather deposits;

●inflation and governmental responses to inflation, including recent and potential future increases in interest rates that reduce margins;

●the effect on our operations of governmental legislation and regulation, including changes in accounting regulation or standards, the nature and timing of the adoption and effectiveness of new requirements under the Dodd-Frank Act Wall Street Reform and Consumer Protection Act of 2010, Basel guidelines, capital requirements and other applicable laws and regulations;

●significant changes in accounting, tax or regulatory practices or requirements;

●new legal obligations or liabilities or unfavorable resolutions of litigation;

●disruptive technologies in payment systems and other services traditionally provided by banks;

●the highly competitive industry and market area in which we operate;

●changes in business conditions and inflation;

●operational risks or risk management failures by us or critical third parties, including without limitation with respect to data processing, information systems, cybersecurity, technological changes, vendor issues, business interruption, and fraud risks;

●failure or circumvention of our internal controls or procedures;

●changes in the securities markets which affect investment management revenues;
●increases in Federal Deposit Insurance Corporation deposit insurance premiums and assessments;
●the soundness of other financial services institutions which may adversely affect our credit risk;
●certain of our intangible assets may become impaired in the future;
●new lines of business or new products and services, which may subject us to additional risks;
●changes in key management personnel which may adversely impact our operations;
●severe weather, natural disasters, acts of war or terrorism and other external events which could significantly impact our business; and
●other risk factors detailed from time to time in our SEC filings.

 

Investors should consider these risks, uncertainties, and other factors in addition to the factors under the heading “Risk Factors” included in this filing and our other filings with the SEC.

 

Although we believe that the expectations reflected in such forward-looking statements are reasonable, actual results may differ materially from the results discussed in these forward-looking statements. You are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date hereof. We do not undertake any obligation to republish revised forward-looking statements to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events, except to the extent required by law.

 

i 

 

 

PART I – FINANCIAL INFORMATION

 

ITEM 1: FINANCIAL STATEMENTS.

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS - UNAUDITED

(Dollars in thousands, except share data)

 

   September 30,   December 31, 
   2023   2022 
ASSETS          
Cash and due from banks  $21,756   $25,577 
Federal funds sold   9,056    1,652 
Interest-bearing deposits and other short-term investments   31,455    3,113 
Cash and cash equivalents   62,267    30,342 
           
Available-for-sale securities, at fair value   130,709    146,997 
Held-to-maturity securities, at amortized cost (Fair value of $176,861 and $190,950 at September 30, 2023 and December 31, 2022, respectively)   225,020    230,168 
Marketable equity securities, at fair value   —    6,237 
Federal Home Loan Bank of Boston stock and other restricted stock, at cost   3,063    3,352 
Loans, net of allowance for credit losses of $19,978 at September 30, 2023 and $19,931 at December 31, 2022   1,994,842    1,971,469 
Premises and equipment, net   24,766    24,953 
Accrued interest receivable   8,281    8,140 
Bank-owned life insurance   74,713    74,620 
Deferred tax asset, net   16,206    15,027 
Goodwill   12,487    12,487 
Core deposit intangible   1,906    2,188 
Other assets   30,745    27,170 
TOTAL ASSETS  $2,585,005   $2,553,150 
           
LIABILITIES AND SHAREHOLDERS' EQUITY          
LIABILITIES:          
Deposits:          
Non-interest-bearing  $593,602   $645,529 
Interest-bearing   1,582,701    1,583,914 
Total deposits   2,176,303    2,229,443 
           
Short-term borrowings   8,890    41,350 
Long-term debt   121,178    1,178 
Subordinated debt   19,702    19,673 
Securities pending settlement   2,253    133 
Other liabilities   25,765    33,230 
 TOTAL LIABILITIES   2,354,091    2,325,007 
           
SHAREHOLDERS' EQUITY:          
Preferred stock - $0.01 par value, 5,000,000 shares authorized, none outstanding at June 30, 2023 and December 31, 2022   —    — 
Common stock - $0.01 par value, 75,000,000 shares authorized, 21,927,242 shares issued and outstanding at September 30, 2023; 22,216,789 shares issued and outstanding at December 31, 2022   219    222 
Additional paid-in capital   127,376    128,899 
Unearned compensation – Employee Stock Ownership Plan   (2,522)   (2,906)
Unearned compensation - Equity Incentive Plan   (1,439)   (1,012)
Retained earnings   135,966    127,982 
Accumulated other comprehensive loss   (28,686)   (25,042)
TOTAL SHAREHOLDERS’ EQUITY   230,914    228,143 
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY  $2,585,005   $2,553,150 

 

See accompanying notes to unaudited consolidated financial statements.

 

1 

 

 

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF NET INCOME – UNAUDITED

(Dollars in thousands, except per share data)

 

                 
   Three Months   Nine Months 
   Ended September 30,   Ended September 30, 
   2023   2022   2023   2022 
Interest and dividend income:                    
Residential and commercial real estate loans  $20,084   $16,942   $57,439   $48,388 
Commercial and industrial loans   3,279    2,535    9,545    7,413 
Consumer loans   88    66    246    189 
Debt securities, taxable   2,031    2,039    6,151    5,992 
Debt securities, tax-exempt   2    3    6    9 
Marketable equity securities   —    62    119    121 
Other investments   166    47    418    102 
Short-term investments   251    60    424    129 
Total interest and dividend income   25,901    21,754    74,348    62,343 
                     
Interest expense:                    
Deposits   7,704    1,164    17,876    3,146 
Short-term borrowings   117    48    1,466    58 
Long-term debt   1,444    —    2,513    — 
Subordinated debt   253    254    760    761 
Total interest expense   9,518    1,466    22,615    3,965 
Net interest and dividend income   16,383    20,288    51,733    58,378 
                     
Provision for credit losses   354    675    386    550 
Net interest and dividend income after provision for credit losses   16,029    19,613    51,347    57,828 
                     
Non-interest income:                    
Service charges and fees   2,145    2,223    6,573    6,743 
Income from bank-owned life insurance   454    391    1,388    1,297 
Loss on available-for-sale securities, net   —    —    —    (4)
Net unrealized loss on marketable equity securities   —    (235)   —    (736)
Loss on disposal of premises and equipment   (3)   —    (3)   — 
Gain on sale of mortgages   —    —    —    2 
Gain on non-marketable equity investments   238    211    590    352 
Loss on defined benefit plan termination   —    —    (1,143)   — 
Gain on bank-owned life insurance death benefit   778    —    778    — 
Other income   —    —    —    25 
Total non-interest income   3,612    2,590    8,183    7,679 
                     
Non-interest expense:                    
Salaries and employees benefits   7,955    8,025    24,475    24,500 
Occupancy   1,159    1,226    3,710    3,766 
Furniture and equipment   482    465    1,460    1,547 
Data processing   824    707    2,369    2,161 
Professional fees   643    803    2,203    2,099 
FDIC insurance assessment   341    273    983    793 
Advertising   362    419    1,118    1,230 
Other expenses   2,352    2,425    7,247    7,136 
Total non-interest expense   14,118    14,343    43,565    43,232 
Income before income taxes   5,523    7,860    15,965    22,275 
Income tax provision   1,033    1,861    3,408    5,422 
         Net income   $4,490   $5,999   $12,557   $16,853 
                     
Earnings per common share:                    
Basic earnings per share  $0.21   $0.28   $0.58   $0.77 
Weighted average basic shares outstanding   21,560,940    21,757,027    21,631,067    21,947,989 
Diluted earnings per share  $0.21   $0.28   $0.58   $0.77 
Weighted average diluted shares outstanding   21,680,113    21,810,036    21,681,251    22,001,371 
Dividends per share  $0.07   $0.06   $0.21   $0.18 

 

 See accompanying notes to unaudited consolidated financial statements.

 

2 

 

 

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME – UNAUDITED

(Dollars in thousands)

 

                 
   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
   2023   2022   2023   2022 
                 
Net income  $4,490   $5,999   $12,557   $16,853 
                     
Other comprehensive income (loss):                    
Unrealized losses on available-for-sale securities:                    
Unrealized holding losses   (7,314)   (9,500)   (6,329)   (29,188)
Reclassification adjustment for net losses realized in income (1)   —    —    —    4 
Unrealized losses    (7,314)   (9,500)   (6,329)   (29,184)
Tax effect   1,852    2,437    1,605    7,471 
Net-of-tax amount   (5,462)   (7,063)   (4,724)   (21,713)
                     
Defined benefit pension plan:                    
Gain arising during the period   —    —    358    — 
Reclassification adjustment:                    
Defined benefit plan termination loss realized in income (2)   —    —    1,143    — 
Amortization of defined benefit plan actuarial loss (3)   —    158    —    475 
Unrealized actuarial gain on defined benefit plan   —    158    1,501    475 
Tax effect   —    (44)   (421)   (133)
Net-of-tax amount   —    114    1,080    342 
                     
Other comprehensive loss   (5,462)   (6,949)   (3,644)   (21,371)
                     
Comprehensive income (loss)  $(972)  $(950)  $8,913   $(4,518)

 

             

(1)Realized losses on available-for-sale securities are recognized as a component of non-interest income. The tax effects applicable to net realized losses were $1,000 for the nine months ended September 30, 2022.

 

(2)Realized losses on defined benefit plan termination are recognized as a component of non-interest income in the consolidated statements of net income.  The tax effects associated with the reclassification adjustment were $321,000 for the nine months ended September 30, 2023.

 

(3)Amounts represent the reclassification of defined benefit plan amortization and have been recognized as a component of non-interest expense in the consolidated statements of net income.  Income tax effects associated with the reclassification adjustments were $44,000 for the three months ended September 30, 2022. Income tax effects associated with the reclassification adjustment were $133,000 for the nine months ended September 30, 2022.

 

See accompanying notes to unaudited consolidated financial statements.

 

3 

 

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - UNAUDITED

THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2023 AND 2022

(Dollars in thousands, except share data)

 

                                       
   Common Stock                         
   Shares   Par  Value   Additional Paid-in Capital   Unearned Compensation- ESOP   Unearned Compensation- Equity Incentive Plan   Retained Earnings   Accumulated Other Comprehensive Loss   Total 
                                         
BALANCE AT DECEMBER 31, 2022   22,216,789   $222   $128,899   $(2,906)  $(1,012)  $127,982   $(25,042)  $228,143 
Cumulative effect accounting adjustment(1)   —    —    —    —    —    9    —    9 
Comprehensive income   —    —    —    —    —    5,304    1,941    7,245 
Common stock held by ESOP committed to be released (74,993 shares)   —    —    52    128    —    —    —    180 
Share-based compensation - equity incentive plan   —    —    —    —    529    —    —    529 
Forfeited equity incentive plan shares reissued in connection with 2020 LTI performance share grant (19,761 shares)   —    —    180    —    (180)   —    —    — 
Common stock repurchased   (143,896)   (1)   (1,350)   —    —    —    —    (1,351)
Issuance of common stock in connection with equity incentive plan   136,454    1    1,348    —    (1,349)   —    —    — 
Forfeited equity incentive plan shares reissued in connection with 2023 LTI grant (2,742 shares)   —    —    27    —    (27)   —    —    — 
Cash dividends declared and paid on common stock ($0.07 per share)   —    —    —    —    —    (1,533)   —    (1,533)
BALANCE AT MARCH 31, 2023   22,209,347   $222   $129,156   $(2,778)  $(2,039)  $131,762   $(23,101)  $233,222 
Comprehensive income (loss)   —    —    —    —    —    2,763    (123)   2,640 
Common stock held by ESOP committed to be released (74,993 shares)   —    —    22    128    —    —    —    150 
Share-based compensation - equity incentive plan   —    —    —    —    300    —    —    300 
Common stock repurchased   (126,944)   (1)   (785)   —    —    —    —    (786)
Cash dividends declared and paid on common stock ($0.07 per share)   —    —    —    —    —    (1,528)   —    (1,528)
BALANCE AT JUNE 30, 2023   22,082,403   $221   $128,393   $(2,650)  $(1,739)  $132,997   $(23,224)  $233,998 
Comprehensive income (loss)   —    —    —    —    —    4,490    (5,462)   (972)
Common stock held by ESOP committed to be released (74,993 shares)   —    —    (10)   128    —    —    —    118 
Share-based compensation - equity incentive plan   —    —    —    —    300    —    —    300 
Common stock repurchased   (155,161)   (2)   (1,007)   —    —    —    —    (1,009)
Cash dividends declared and paid on common stock ($0.07 per share)   —    —    —    —    —    (1,521)   —    (1,521)
BALANCE AT SEPTEMBER 30, 2023   21,927,242   $219   $127,376   $(2,522)  $(1,439)  $135,966   $(28,686)  $230,914 

 

See accompanying notes to unaudited consolidated financial statements.

 

(1)Represents gross transition adjustment amount of $13,000, net of taxes of $4,000, to reflect the cumulative impact on retained earnings pursuant to the Company’s adoption of Accounting Standards Update (“ASU”) 2016-13 Financial Instruments-Credit Losses on Financial Instruments and relevant amendments. Refer to Note 5, “Loans and Allowance for Credit Losses” within the Notes to the Consolidated Financial Statements on Form 10-Q beginning with the quarter ended March 31, 2023.

 

4 

 

 

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - UNAUDITED

THREE AND NINE MONTHS ENDED SEPTEMBER 30, 2023 AND 2022

(Dollars in thousands, except share data)

 

                                       
   Common Stock                         
   Shares   Par  Value   Additional Paid-in Capital   Unearned Compensation- ESOP   Unearned Compensation- Equity Incentive Plan   Retained Earnings   Accumulated Other Comprehensive Loss   Total 
                                 
BALANCE AT DECEMBER 31, 2021   22,656,515   $227   $132,821   $(3,441)  $(981)  $107,376   $(12,314)  $223,688 
Comprehensive income (loss)   —    —    —    —    —    5,319    (8,417)   (3,098)
Common stock held by ESOP committed to be released (78,526 shares)   —    —    45    134    —    —    —    179 
Share-based compensation - equity incentive plan   —    —    —    —    301    —    —    301 
Forfeited equity incentive plan shares (6,651 shares)   —    —    (57)   —    57    —    —    — 
Forfeited equity incentive plan shares reissued (7,289 shares)   —    —    71    —    (71)   —    —    — 
Common stock repurchased   (132,358)   (2)   (1,178)   —    —    —    —    (1,180)
Issuance of common stock in connection with stock option exercises   80,881    1    509    —    —    —    —    510 
Issuance of common stock in connection with equity incentive plan   137,151    1    1,248    —    (1,249)   —    —    — 
Cash dividends declared and paid on common stock ($0.06 per share)   —    —    —    —    —    (1,337)   —    (1,337)
BALANCE AT MARCH 31, 2022   22,742,189   $227   $133,459   $(3,307)  $(1,943)  $111,358   $(20,731)  $219,063 
Comprehensive income (loss)   —    —    —    —    —    5,535    (6,005)   (470)
Common stock held by ESOP committed to be released (78,526 shares)   —    —    38    134    —    —    —    172 
Share-based compensation - equity incentive plan   —    —    —    —    292    —    —    292 
Common stock repurchased   (293,173)   (2)   (2,508)   —    —    —    —    (2,510)
Issuance of common stock in connection with stock option exercises   16,975    —    115    —    —    —    —    115 
Cash dividends declared and paid on common stock ($0.06 per share)   —    —    —    —    —    (1,332)   —    (1,332)
BALANCE AT JUNE 30, 2022   22,465,991   $225   $131,104   $(3,173)  $(1,651)  $115,561   $(26,736)  $215,330 
Comprehensive income (loss)   —    —    —    —    —    5,999    (6,949)   (950)
Common stock held by ESOP committed to be released (78,526 shares)   —    —    28    134    —    —    —    162 
Share-based compensation - equity incentive plan   —    —    (4)   —    215    —    —    211 
Forfeited equity incentive plan shares (17,789 shares)   —    —    (156)   —    156    —    —    — 
Common stock repurchased   (236,302)   (3)   (1,853)   —    —    —    —    (1,856)
Issuance of common stock in connection with stock option exercises   16,856    —    115    —    —    —    —    115 
Cash dividends declared and paid on common stock ($0.06 per share)   —    —    —    —    —    (1,312)   —    (1,312)
BALANCE AT SEPTEMBER 30, 2022   22,246,545   $222   $129,234   $(3,039)  $(1,280)  $120,248   $(33,685)  $211,700 

 

See accompanying notes to unaudited consolidated financial statements.

 

5 

 

 

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS - UNAUDITED

(Dollars in thousands)

 

         
   Nine Months Ended September 30, 
   2023   2022 
CASH FLOWS FROM OPERATING ACTIVITIES:          
Net income  $12,557   $16,853 
Adjustments to reconcile net income to net cash provided by operating activities:          
Provision for credit losses   386    550 
Depreciation and amortization of premises and equipment   1,645    1,742 
Amortization (accretion) of purchase accounting adjustments, net   88    (57)
Amortization of core deposit intangible   282    282 
Net amortization of premiums and discounts on securities and mortgage loans   962    1,199 
Net amortization of deferred costs on mortgage loans   367    537 
Net amortization of premiums on subordinated debt   29    30 
Share-based compensation expense   1,129    804 
ESOP expense   448    513 
Principal balance of loans originated for sale   —    (277)
Principal balance of loans sold   —    277 
Net change in unrealized loss on marketable equity securities   —    736 
Net loss on available-for-sale securities   —    4 
Loss on disposal of premises and equipment   3    — 
Gain on bank-owned life insurance death benefit   (778)   — 
Income from bank-owned life insurance   (1,388)   (1,297)
Net change in:          
Accrued interest receivable   (141)   253 
Other assets   (4,293)   (5,196)
Other liabilities   (5,385)   2,911 
Net cash provided by operating activities   5,911    19,864 
CASH FLOWS FROM INVESTING ACTIVITIES:          
Purchases of held-to-maturity securities   (3,643)   (28,030)
Proceeds from calls, maturities, and principal collections of held-to-maturity securities   10,692    15,540 
Purchases of available-for-sale securities   —    (5,000)
Proceeds from redemptions and sales of available-for-sale securities   —    20 
Proceeds from calls, maturities, and principal collections of available-for-sale securities   9,326    20,514 
Proceeds from redemption and sales of marketable equity securities   6,237    — 
Loan originations and principal payments, net   (24,190)   (143,593)
Redemption of Federal Home Loan Bank of Boston stock   289    360 
Purchases of premises and equipment   (1,509)   (584)
Proceeds from sale of premises & equipment   18    — 
Proceeds from payout on bank-owned life insurance   2,079    2,435 
Net cash used in investing activities   (701)   (138,338)
CASH FLOWS FROM FINANCING ACTIVITIES:          
Net (decrease) increase in deposits   (53,140)   30,881 
Net change in short-term borrowings   (32,460)   21,500 
Repayment of long-term debt   —    (1,472)
Proceeds from issuance of long-term debt   120,000    — 
Cash dividends paid   (4,582)   (3,981)
Common stock repurchased   (3,103)   (5,537)
    Issuance of common stock in connection with stock option exercise   —    740 
Net cash provided by financing activities   26,715    42,131 
           
NET CHANGE IN CASH AND CASH EQUIVALENTS:   31,925    (76,343)
Beginning of period   30,342    103,456 
End of period  $62,267   $27,113 
           
Supplemental cash flow information:          
Interest paid  $20,671   $3,987 
Taxes paid   3,717    5,568 
Net change in cash due to broker   2,253    9 

 

See the accompanying notes to unaudited consolidated financial statements.

 

6 

 

 

WESTERN NEW ENGLAND BANCORP, INC. AND SUBSIDIARIES

 

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)

 

SEPTEMBER 30, 2023

 

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

 

Nature of Operations and Basis of Presentation. Western New England Bancorp, Inc. (“WNEB,” “Company,” “we,” or “us”) is a Massachusetts-chartered stock holding company for Westfield Bank, a federally-chartered savings bank (“Bank”).

 

The Bank operates 25 banking offices in Hampden County and Hampshire County in western Massachusetts and Hartford County and Tolland County in northern Connecticut, and its primary sources of revenue are interest income from loans as well as interest income from investment securities. The West Hartford Financial Services Center serves as the Company’s Connecticut hub, housing Commercial Lending, Cash Management and a Mortgage Loan Officer. The Bank’s deposits are insured up to the maximum Federal Deposit Insurance Corporation (“FDIC”) coverage limits.

 

Wholly-owned Subsidiaries. Elm Street Securities Corporation, WFD Securities, Inc. and CSB Colts, Inc., are Massachusetts-chartered securities corporations, formed for the primary purpose of holding qualified securities. WB Real Estate Holdings, LLC is a Massachusetts-chartered limited liability company that holds real property acquired as security for debts previously contracted by the Bank.

 

Principles of Consolidation. The consolidated financial statements include the accounts of Western New England Bancorp, Inc., the Bank, CSB Colts, Inc., Elm Street Securities Corporation, WB Real Estate Holdings, LLC and WFD Securities, Inc. All material intercompany balances and transactions have been eliminated in consolidation.

 

Estimates. The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of income and expenses for each. Actual results could differ from those estimates. An estimate that is particularly susceptible to significant change in the near-term relates to the determination of the allowance for credit losses.

 

Basis of Presentation. In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation of our financial condition as of September 30, 2023, and the results of operations, changes in shareholders’ equity and cash flows for the interim periods presented. The results of operations for the three and nine months ended September 30, 2023 are not necessarily indicative of the results of operations for the year ending December 31, 2023. Certain information and disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been omitted pursuant to the rules and regulations of the Securities and Exchange Commission.

 

On January 1, 2023, the Company adopted Accounting Standards Update (“ASU”) 2016-13 Financial Instruments - Credit Losses (Topic326): Measurement of Credit Losses on Financial Instruments, which requires the recognition of the allowance for credit losses be estimated using the current expected credit loss (“CECL”) methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases (See Notes 4 and 5 to our unaudited consolidated financial statements for further information).

 

These unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements as of and for the year ended December 31, 2022, included in our Annual Report on Form 10-K for the year ended December 31, 2022 (the “2022 Annual Report”).

 

Reclassifications. Amounts in the prior period financial statements are reclassified when necessary to conform to the current year presentation.

 

7 

 

 

2. EARNINGS PER SHARE

 

Basic earnings per share represents income available to common shareholders divided by the weighted-average number of common shares outstanding during the period. If rights to dividends on unvested awards are non-forfeitable, these unvested awards are considered outstanding in the computation of basic earnings per share. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by us relate to stock options and certain performance-based restricted stock awards and are determined using the treasury stock method. Unallocated Employee Stock Ownership Plan (“ESOP”) shares are not deemed outstanding for earnings per share calculations. There were no anti-dilutive shares outstanding during the three and nine months ended September 30, 2023 and 2022, respectively.

 

Earnings per share for the three and nine months ended September 30, 2023 and 2022 have been computed based on the following:

 

                             
   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
   2023   2022   2023   2022 
   (In thousands, except per share data) 
                 
Net income applicable to common stock  $4,490   $5,999   $12,557   $16,853 
                     
Average number of common shares issued   22,055    22,317    22,140    22,531 
Less: Average unallocated ESOP Shares   (329)   (406)   (347)   (425)
Less: Average unvested performance-based equity incentive plan shares   (166)   (154)   (162)   (158)
                     
Average number of common shares outstanding used to calculate basic earnings per common share   21,561    21,757    21,631    21,948 
                     
Effect of dilutive performance-based equity incentive plan   119    40    50    33 
Effect of dilutive stock options   —    13    —    20 
                     
Average number of common shares outstanding used to calculate diluted earnings per common share   21,680    21,810    21,681    22,001 
                     
Basic earnings per share  $0.21   $0.28   $0.58   $0.77 
Diluted earnings per share  $0.21   $0.28   $0.58   $0.77 

 

3. COMPREHENSIVE INCOME (LOSS)

 

Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income (loss).

 

8 

 

 

The components of accumulated other comprehensive loss included in shareholders’ equity are as follows:

 

   September 30, 2023   December 31, 2022 
   (In thousands) 
         
Net unrealized losses on available-for-sale securities  $(38,488)  $(32,159)
Tax effect   9,802    8,197 
Net-of-tax amount   (28,686)   (23,962)
           
Unrecognized actuarial loss on the defined benefit plan   —    (1,501)
Tax effect   —    421 
Net-of-tax amount   —    (1,080)
           
Accumulated other comprehensive loss  $(28,686)  $(25,042)

 

4.INVESTMENT SECURITIES

 

Available-for-sale and held-to-maturity investment securities at September 30, 2023 and December 31, 2022 are summarized as follows:

 

   September 30, 2023 
   Amortized Cost   Gross Unrealized Gains   Gross Unrealized Losses   Fair Value 
   (In thousands) 
Available-for-sale securities:                    
Debt securities:                    
Government-sponsored enterprise obligations  $14,921   $—   $(3,758)  $11,163 
State and municipal bonds   135    —    (2)   133 
Corporate bonds   8,001    —    (1,160)   6,841 
Total debt securities   23,057    —    (4,920)   18,137 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   139,358    —    (31,959)   107,399 
U.S. government guaranteed mortgage-backed securities   6,782    —    (1,609)   5,173 
Total mortgage-backed securities   146,140    —    (33,568)   112,572 
                     
Total available-for-sale   169,197    —    (38,488)   130,709 
                     
Held-to-maturity securities:                    
Debt securities:                    
U.S. Treasury securities   9,993    —    (757)   9,236 
Total debt securities   9,993    —    (757)   9,236 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   215,027    —    (47,402)   167,625 
Total mortgage-backed securities   215,027    —    (47,402)   167,625 
                     
Total held-to-maturity   225,020    —    (48,159)   176,861 
                     
 Total  $394,217   $—   $(86,647)  $307,570 

 

9 

 

 

   December 31, 2022 
   Amortized Cost   Gross Unrealized Gains   Gross Unrealized Losses   Fair Value 
   (In thousands) 
Available-for-sale securities:                    
Debt securities:                    
Government-sponsored enterprise obligations  $14,913   $—   $(3,345)  $11,568 
State and municipal bonds   270    —    —    270 
Corporate bonds   8,012    —    (519)   7,493 
Total debt securities   23,195    —    (3,864)   19,331 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   148,544    —    (26,826)   121,718 
U.S. government guaranteed mortgage-backed securities   7,417    —    (1,469)   5,948 
Total mortgage-backed securities   155,961    —    (28,295)   127,666 
                     
Total available-for-sale   179,156    —    (32,159)   146,997 
                     
Held-to-maturity securities:                    
Debt securities:                    
U.S. Treasury securities   9,987    —    (825)   9,162 
Total debt securities   9,987    —    (825)   9,162 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   220,181    67    (38,460)   181,788 
Total mortgage-backed securities   220,181    67    (38,460)   181,788 
                     
Total held-to-maturity   230,168    67    (39,285)   190,950 
                     
 Total  $409,324   $67   $(71,444)  $337,947 

 

The following table presents the unrealized losses recognized on marketable equity securities for the periods indicated:

 

             
  

Nine Months Ended

September 30

 
   2023   2022 
   (In thousands) 
     
Net losses recognized during the period on marketable equity securities  $—   $(736)
Unrealized losses recognized during the period on marketable equity securities still held at end of period  $—   $(736)

 

During the second quarter of 2023, the remaining balance of $6.3 million in marketable equity securities was redeemed. As the marketable equity securities portfolio was marked to market through income monthly, the fund liquidation resulted in no gain or loss to the income statement. At September 30, 2023, the Company did not hold any marketable equity investments.

 

At September 30, 2023, U.S. Treasury securities with a fair value of $9.2 million, government-sponsored enterprise obligations with a fair value of $7.3 million and mortgage-backed securities with a fair value of $168.0 million were pledged to secure public deposits, the Bank Term Funding Program (“BTFP”) and for other purposes as required or permitted by law. The securities collateralizing public deposits are subject to fluctuations in fair value. We monitor the fair value of the collateral on a periodic basis, and pledge additional collateral if necessary based on changes in fair value of collateral or the balances of such deposits.

 

10 

 

 

The amortized cost and fair value of available-for-sale and held-to-maturity investment securities at September 30, 2023, by final maturity, are shown below. Actual maturities may differ from contractual maturities because certain issuers have the right to call or prepay obligations.

 

 

   Available-for-Sale   Held-to-Maturity 
   Amortized Cost   Fair Value   Amortized Cost   Fair Value 
   (In thousands) 
Debt securities:                    
Due in one year or less  $3,136   $3,098   $—   $— 
Due after one year through five years   —    —    9,993    9,236 
Due after five years through ten years   19,921    15,039    —    — 
Due after ten years   —    —    —    — 
Total debt securities   23,057    18,137    9,993    9,236 
                     
Mortgage-backed securities:                    
Due after one year through five years   475    445    —    — 
Due after five years through ten years   1,505    1,347    —    — 
Due after ten years   144,160    110,780    215,027    167,625 
Total mortgage-backed securities   146,140    112,572    215,027    167,625 
                     
Total securities  $169,197   $130,709   $225,020   $176,861 

 

Gross realized gains and losses on sales of available-for-sale investment securities for the three and nine months ended September 30, 2023 and 2022 are as follows:

 

                         
   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
   2023   2022   2023   2022 
   (In thousands) 
                 
Gross losses realized   —    —    —    (4)
Net loss realized  $—   $—   $—   $(4)

 

Proceeds from the redemption of available-for-sale investment securities totaled $20,000 for the nine months ended September 30, 2022. There were no sales or redemption of available-for-sale investment securities for the nine months ended September 30, 2023.

 

On January 1, 2023, the Company adopted ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, as amended, which replaces the incurred loss methodology with an expected loss methodology that is referred to as CECL methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. In addition, ASC 326 made changes to the accounting for available-for-sale debt securities.

 

Allowance for Credit Losses – Available-for-Sale Securities

 

The Company measures expected credit losses on available-for-sale debt securities based upon the gain or loss position of the security. For available-for-sale debt securities in an unrealized loss position which the Company does not intend to sell, and it is not more likely than not that the Company will be required to sell the security before recovery of the Company’s amortized cost, the Company evaluates qualitative criteria to determine any expected loss. This includes among other items the financial health of, and specific prospects for the issuer, including whether the issuer is in compliance with the terms and covenants of the security. The Company also evaluates quantitative criteria including determining whether there has been an adverse change in expected future cash flows of the security. Available-for-sale securities which are guaranteed by government agencies do not currently have an allowance for credit loss as the Company determined these securities are either backed by the full faith and credit of the U.S. government and/or there is an unconditional commitment to make interest payments and to return the principal investment in full to investors when a debt security reaches maturity. In assessing the Company's investments in government-sponsored and U.S. government guaranteed mortgage-backed securities and government-sponsored enterprise obligations, the contractual cash flows of these investments are guaranteed by the respective government-sponsored enterprise; Federal Home Loan Mortgage Corporation (“FHLMC”), Federal National Mortgage Association (“FNMA”), Federal Farm Credit Bank (“FFCB”), or Federal Home Loan Bank (“FHLB”). Accordingly, it is expected that the securities would not be settled at a price less than the par value of the Company's investments. The Company will evaluate this position no less than annually, however, certain items which may cause the Company to change this methodology include legislative changes that remove a government-sponsored enterprise’s ability to draw funds from the U.S. government, or legislative changes to housing policy that reduce or eliminate the U.S. government’s implicit guarantee on such securities. Accrued interest receivable on available-for-sale securities guaranteed by government agencies totaled $329,000 at September 30, 2023 and is excluded from the estimate of credit losses. If the Company does not expect to recover the entire amortized cost basis of the security, an allowance for credit losses would be recorded, with a related charge to earnings, limited by the amount of the fair value of the security less its amortized cost. If the Company intends to sell the security or it is more likely than not that the Company will be required to sell the debt security before recovery of its amortized cost basis, the Company recognizes the entire difference between the amortized cost basis of the security and its fair value in earnings. Any impairment that has not been recorded through an allowance for credit loss is recognized in other comprehensive income. Accrued interest receivable on available-for-sale debt securities not guaranteed by government agencies totaled $77,000 at September 30, 2023 and is excluded from the estimate of credit losses. There were no allowance for credit losses established on available-for-sale debt securities during the three and nine months ended September 30, 2023.

 

11 

 

 

Allowance for Credit Losses – Held-to-Maturity Securities

 

The Company measures expected credit losses on held-to-maturity debt securities on a collective basis by security type and risk rating where available. The reserve for each pool is calculated based on a Probability of Default/Loss Given Default basis taking into consideration the expected life of each security. Held-to-maturity securities which are issued by the United States Treasury or are guaranteed by government agencies do not currently have an allowance for credit loss as the Company determined these securities are either backed by the full faith and credit of the U.S. government and/or there is an unconditional commitment to make interest payments and to return the principal investment in full to investors when a debt security reaches maturity. In assessing the Company's investments in government-sponsored and U.S. government guaranteed mortgage-backed securities and government-sponsored enterprise obligations, the contractual cash flows of these investments are guaranteed by the respective government-sponsored enterprise; FHLMC, FNMA, FFCB, or FHLB. Accordingly, it is expected that the securities would not be settled at a price less than the par value of the Company's investments. The Company will evaluate this position no less than annually, however, certain items which may cause the Company to change this methodology include legislative changes that remove a government-sponsored enterprise’s ability to draw funds from the U.S. government, or legislative changes to housing policy that reduce or eliminate the U.S. government’s implicit guarantee on such securities. Any expected credit losses on held-to-maturity securities would be presented as an allowance for credit loss. Accrued interest receivable on held-to-maturity securities totaled $469,000 at September 30, 2023 and is excluded from the estimate of credit losses. There were no allowance for credit losses established on held-to-maturity securities during the three and nine months ended September 30, 2023.

 

At September 30, 2023 and December 31, 2022, management attributed the unrealized losses to increases in current market yields compared to the yields at the time the investments were purchased by the Company and not due to credit quality. There was no credit loss during the three and nine months ended September 30, 2023 or the year ended December 31, 2022. At September 30, 2023 and December 31, 2022, there were two available-for-sale corporate bonds that were rated below investment grade by one or more ratings agencies. The Company reviewed the financial strength of these bonds and has concluded that the amortized cost remains supported by the expected future cash flows of the securities.

 

Information pertaining to investment securities with gross unrealized losses as of September 30, 2023 for which the Company did not recognize a provision for credit losses under CECL, and as of December 31, 2022, for which the Company did not deem to be impaired under its prior methodology, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:

 

12 

 

 

   September 30, 2023 
   Less Than Twelve Months   Over Twelve Months 
   Number of
Securities		   Fair Value   Gross
Unrealized
Loss		   Depreciation
from
Amortized
Cost Basis
(%)		   Number
of
Securities		   Fair Value   Gross
Unrealized
Loss		   Depreciation
from
Amortized
Cost Basis
(%)		 
   (Dollars in thousands) 
Available-for-sale:                                
Government-sponsored mortgage-backed securities   —   $—   $—    —%   70   $107,399   $31,959    22.9%
U.S. government guaranteed mortgage-backed securities   —    —    —    —    9    5,173    1,609    23.7 
Government-sponsored enterprise obligations   —    —    —    —    3    11,163    3,758    25.2 
Corporate bonds   —    —    —    —    3    6,841    1,160    14.5 
State and municipal bonds   1    133    2    1.5    —    —    —    — 
Total available-for-sale   1    133    2         85    130,576    38,486      
                                         
Held-to-maturity:                                        
U.S. Treasury securities   —    —    —    —%   2    9,236    757    7.6%
Government-sponsored mortgage-backed securities   5    11,567    432    3.6    36    156,058    46,970    23.1 
Total held-to-maturity   5    11,567    432         38    165,294    47,727      
                                         
Total   6   $11,700   $434         123   $295,870   $86,213      

 

   December 31, 2022 
   Less Than Twelve Months   Over Twelve Months 
   Number of
Securities		   Fair Value   Gross
Unrealized
Loss		   Depreciation
from
Amortized
Cost Basis
(%)		   Number
of
Securities		   Fair Value   Gross
Unrealized
Loss		   Depreciation
from
Amortized
Cost Basis
(%)		 
   (Dollars in thousands) 
Available-for-sale:                                
Government-sponsored mortgage-backed securities   10   $9,133   $776    7.8%   60   $112,586   $26,050    18.8%
U.S. government guaranteed mortgage-backed securities   1    113    20    15.0    8    5,835    1,449    19.9 
Government-sponsored enterprise obligations   —    —    —    —    3    11,568    3,345    22.4 
Corporate bonds   3    7,493    519    6.5    —    —    —    — 
Total available-for-sale   14    16,739    1,315         71    129,989    30,844      
                                         
Held-to-maturity:                                        
U.S. Treasury securities   —    —    —    —%   2    9,162    825    8.3%
Government-sponsored mortgage-backed securities   6    18,911    2,116    10.1    31    157,947    36,344    18.7 
Total held-to-maturity   6    18,911    2,116         33    167,109    37,169      
                                         
Total   20   $35,650   $3,431         104   $297,098   $68,013      

 

13 

 

 

5.LOANS AND ALLOWANCE FOR CREDIT LOSSES

 

Major classifications of loans as of the dates indicated were as follows:

 

   September 30,   December 31, 
   2023   2022 
   (In thousands) 
Commercial real estate  $1,080,361   $1,069,323 
           

Residential real estate:

          
Residential one-to-four family   606,221    589,503 
Home equity   107,561    105,557 
Total residential real estate   713,782    695,060 
           
Commercial and industrial:          
Paycheck Protection Program (“PPP”) loans   1,415    2,274 
Commercial and industrial   211,162    217,574 
Total commercial and industrial   212,577    219,848 
           
Consumer   5,768    5,045 
Total gross loans   2,012,488    1,989,276 
Unamortized PPP loan fees   (70)   (109)
Unearned premiums and deferred loan fees and costs, net   2,402    2,233 
Total loans, net   2,014,820    1,991,400 
Allowance for credit losses(1)   (19,978)   (19,931)
Net loans  $1,994,842   $1,971,469 

 

 

(1)The Company adopted ASU 2016-13 on January 1, 2023 with a modified retrospective approach. Accordingly, beginning at January 1, 2023, the allowance for credit losses was determined in accordance with ASC 326, “Financial Instruments-Credit Losses.”

 

Loans Serviced for Others.

 

The Company has transferred a portion of its originated commercial loans to participating lenders. The amounts transferred have been accounted for as sales and are therefore not included in our accompanying consolidated balance sheets. We continue to service the loans on behalf of the participating lenders. We share with participating lenders, on a pro-rata basis, any gains or losses that may result from a borrower’s lack of compliance with contractual terms of the loan. At September 30, 2023 and December 31, 2022, the Company was servicing commercial loans participated out to various other institutions totaling $65.6 million and $70.5 million, respectively.

 

Residential real estate mortgages are originated by the Company both for its portfolio and for sale into the secondary market. The Company may sell its loans to institutional investors such as the FHLMC. Under loan sale and servicing agreements with the investor, the Company generally continues to service the residential real estate mortgages. The Company pays the investor an agreed upon rate on the loan, which is less than the interest rate received from the borrower. The Company retains the difference as a fee for servicing the residential real estate mortgages. The Company capitalizes mortgage servicing rights at their fair value upon sale of the related loans, amortizes the asset over the estimated life of the serviced loan, and periodically assesses the asset for impairment. The significant assumptions used by a third party to estimate the fair value of capitalized servicing rights at September 30, 2023, include weighted average prepayment speed for the portfolio using the Public Securities Association Standard Prepayment Model (100 PSA), weighted average internal rate of return (10.01%), weighted average servicing fee (0.25%), and average cost to service loans ($83.75 per loan). The estimated fair value of capitalized servicing rights may vary significantly in subsequent periods primarily due to changing market interest rates, and their effect on prepayment speeds and discount rates. For the nine months ended September 30, 2022, the Company sold $277,000 in residential real estate mortgages with servicing retained and recorded gains on the sale of mortgages of $2,000 within non-interest income. There were no sales of residential real estate mortgages to the secondary market during the nine months ended September 30, 2023.

 

14 

 

 

At September 30, 2023 and December 31, 2022, the Company was servicing residential mortgage loans owned by investors totaling $74.4 million and $79.3 million, respectively. Servicing fee income of $144,000 and $158,000 was recorded for the nine months ended September 30, 2023 and 2022, respectively, and is included in service charges and fees on the consolidated statements of net income.

 

A summary of the activity in the balances of mortgage servicing rights follows:

 

  

Three Months Ended

September 30, 2023

  

Nine Months Ended

September 30, 2023

 
   (In thousands) 
         
Balance at the beginning of period:  $480   $550 
Amortization   (35)   (105)
Balance at the end of period  $445   $445 
Fair value at the end of period  $745   $745 

 

Loans are recorded at the principal amount outstanding, adjusted for charge-offs, unearned premiums and deferred loan fees and costs. Interest on loans is calculated using the effective yield method on daily balances of the principal amount outstanding and is credited to income on the accrual basis to the extent it is deemed collectable. Our general policy is to discontinue the accrual of interest when principal or interest payments are delinquent 90 days or more based on the contractual terms of the loan, or earlier if there are concerns regarding the collectability of the loan. Any unpaid amounts previously accrued on these loans are reversed from income. Subsequent cash receipts are applied to the outstanding principal balance or to interest income if, in the judgment of management, collection of the principal balance is not in question. Loans are returned to accrual status when they become current as to both principal and interest and perform in accordance with contractual terms for a period of at least six months, reducing the concern as to the collectability of principal and interest. Loan fees and certain direct loan origination costs are deferred, and the net fee or cost is recognized as an adjustment to interest income over the estimated average lives of the related loans.

 

Effect of New Financial Accounting Standards.

 

On January 1, 2023, the Company adopted ASU 2016-13 Financial Instruments - Credit Losses (Topic326): Measurement of Credit Losses on Financial Instruments, which requires the recognition of the allowance for credit losses be estimated using the CECL methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases. In addition, ASC 326 made changes to the accounting for available-for-sale debt securities. One such change is to require credit losses to be presented as an allowance rather than as a write-down on available-for-sale debt securities that are determined to have impairment related to credit losses.

 

The Company adopted ASC 326 using the modified retrospective method for all financial assets measured at amortized cost and off-balance sheet credit exposures. Results for reporting periods beginning January 1, 2023 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP. The Company recorded a net increase to retained earnings of $9,000 as of January 1, 2023 for the cumulative effect of adopting ASC 326, which includes a net deferred tax liability of $4,000. The transition adjustment includes a $1.2 million increase to the allowance for credit losses and the recording of a $918,000 allowance for credit losses on off-balance sheet credit exposures.

 

15 

 

 

The following table illustrates the impact of ASC 326:

 

  

Pre-ASC 326
Adoption

December 31,
2022

  

As Reported
Under ASC 326

January 1, 2023

   Impact of ASC
326 Adoption		 
   (In thousands) 
     
Assets               
Loans(1)  $1,989,276   $1,991,389   $2,113 
Allowance for credit losses on loans(2)   (19,931)   (21,113)   (1,182)
Deferred tax asset   15,027    15,023    (4)
                
Liabilities               
Allowance for credit losses on off-balance sheet exposures  $—   $(918)  $(918)
                

Shareholders’ Equity

               
Retained earnings, net of tax  $(127,982)  $(127,991)  $(9)

 

 

(1)Purchase credit deteriorated (“PCD loans”) gross up of cost basis of loans totaled $422,000 for commercial real estate loans and $1,691,000 for commercial and industrial loans.
(2)Increase to allowance for credit losses on loans of $2,113,000 for PCD loans gross up and a decrease of $931,000 for pooled loans through retained earnings.

 

Allowance for Credit Losses.

 

The allowance for credit losses is an estimate of expected losses inherent within the Company's existing loans held for investment portfolio. The allowance for credit losses for loans held for investment, as reported in our consolidated balance sheet, is adjusted by a credit loss expense, which is reported in earnings, and reduced by the charge-off of loan amounts, net of recoveries. Accrued interest receivable on loans held for investment was $7.3 million at September 30, 2023 and is excluded from the estimate of credit losses.

 

The credit loss estimation process involves procedures to appropriately consider the unique characteristics of loan portfolio segments, which consist of commercial real estate loans, residential real estate loans, commercial and industrial loans, and consumer loans. These segments are further disaggregated into loan classes, the level at which credit risk is monitored. For each of these pools, the Company generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speed, curtailments, time to recovery, probability of default, and loss given default. The modeling of expected prepayment speeds, curtailment rates, and time to recovery are based on historical internal data. The quantitative component of the ACL on loans is model-based and utilizes a forward-looking macroeconomic forecast. The Company uses a discounted cash flow method, incorporating probability of default and loss given default forecasted based on statistically derived economic variable loss drivers, to estimate expected credit losses. This process includes estimates which involve modeling loss projections attributable to existing loan balances, and considering historical experience, current conditions, and future expectations for pools of loans over a reasonable and supportable forecast period. The historical information either experienced by the Company or by a selection of peer banks, when appropriate, is derived from a combination of recessionary and non-recessionary performance periods for which data is available.

 

Commercial real estate loans. Loans in this segment include commercial real estate, multi-family dwellings, owner-occupied commercial real estate and income producing investment properties, as well as commercial construction loans for commercial development projects throughout New England. The underlying cash flows generated by the properties or operations can be adversely impacted by a downturn in the economy due to increased vacancy rates or diminished cash flows, which in turn, would have an effect on the credit quality in this segment. Management obtains financial information annually and continually monitors the cash flows of these loans.

 

Residential real estate loans. This portfolio segment consists of first mortgages, home equity loans, and home equity lines secured by one-to-four family residential properties. First mortgages may be underwritten to a maximum loan-to-value of 97% for owner-occupied homes, 90% for second homes and 85% for investment properties. Mortgages with loan-to-values greater than 80% require private mortgage insurance. We do not grant subprime loans. Home equity loans and lines are secured by first or second mortgages on one-to-four family owner-occupied properties. Equity loans and lines are underwritten to a maximum combined loan-to-value of 85% of the appraised value of the property. Underwriting approval is dependent on review of the borrower’s ability to repay and credit history in accordance with Westfield Bank’s policy. The overall health of the economy, including unemployment rates and housing pricing, will have an effect on the credit quality in this segment.

 

16 

 

 

Commercial and industrial loans. Loans in this segment include commercial business loans and are generally secured by assignments of corporate assets and personal guarantees of the business owners. Repayment is expected from the cash flows of the business. A weakened economy, and resultant decreased consumer spending, will have an effect on the credit quality in this segment.

 

Consumer loans. Loans in this segment are both secured and unsecured and repayment is dependent on the credit quality of the individual borrower.

 

Discounted cash flow method (“DCF”)

 

In estimating the component of the allowance for credit losses for loans that share similar risk characteristics with other loans, such loans are segregated into loan classes. Loans are designated into loan classes based on loans pooled by product types and similar risk characteristics or areas of risk concentration. In determining the allowance for credit losses, we derive an estimated credit loss assumption from a model that categorizes loan pools based on loan type and purpose. This model calculates an expected loss percentage for each loan class by considering the probability of default, using life-of-loan analysis periods for all loan segments, and the historical severity of loss, based on the aggregate net lifetime losses incurred per loan class. The default and severity factors used to calculate the allowance for credit losses for loans that share similar risk characteristics with other loans are adjusted for differences between the historical period used to calculate historical default and loss severity rates and expected conditions over the remaining lives of the loans in the portfolio related to: (1) lending policies and procedures; (2) international, national, regional and local economic business conditions and developments that affect the collectability of the portfolio; (3) the nature and volume of the loan portfolio including the terms of the loans; (4) the experience, ability, and depth of the lending management and other relevant staff; (5) the volume and severity of past due and adversely classified loans and the volume of nonaccrual loans; (6) the quality of our loan review system and (7) the value of underlying collateral for collateralized loans. Additional factors include the existence and effect of any concentrations of credit, and changes in the level of such concentrations and the effect of external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio. Such factors are used to adjust the historical probabilities of default and severity of loss so that they reflect management expectation of future conditions based on a reasonable and supportable forecast. The Company uses regression analysis of historical internal and peer data to determine which variables are best suited to be economic variables utilized when modeling lifetime probability of default and loss given default. This analysis also determines how expected probability of default and loss given default will react to forecasted levels of the economic variables.

 

For all DCF models, management has determined that four quarters represents a reasonable and supportable forecast period and reverts back to a historical loss rate over four quarters on a straight-line basis. Other internal and external indicators of economic forecasts are also considered by management when developing the forecast metrics.

 

Individually evaluated financial assets

 

For a loan that does not share risk characteristics with other loans, expected credit loss is measured based on net realizable value, that is, the difference between the discounted value of the expected future cash flows, based on the original effective interest rate, and the amortized cost basis of the loan. For these loans, we recognize expected credit loss equal to the amount by which the net realizable value of the loan is less than the amortized cost basis of the loan (which is net of previous charge-offs and deferred loan fees and costs), except when the loan is collateral dependent, that is, when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. In these cases, expected credit loss is measured as the difference between the amortized cost basis of the loan and the fair value of the collateral. The fair value of the collateral is adjusted for the estimated cost to sell if repayment or satisfaction of a loan is dependent on the sale (rather than only on the operation) of the collateral.

 

17 

 

 

Purchased Credit Deteriorated Loans

 

The Company has loans acquired with evidence of credit deterioration from Chicopee Bancorp, Inc. Prior to the adoption of CECL, these loans were accounted for under accounting guidance for purchased credit-impaired (“PCI”) loans. The Company did not elect the practical expedient to maintain pool accounting for these loans and will measure credit loss at the loan level.

 

Upon adoption of ASC 326, PCI loans are accounted for as purchase credit deteriorated (“PCD loans”). PCD loans are recorded at the amount paid. An allowance for credit losses is determined using the same methodology as other loans held for investment. The initial allowance for credit losses determined on a collective basis is allocated to individual loans. The sum of the loan’s purchase price and allowance for credit losses becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the allowance for credit losses are recorded through credit loss expense.

 

Allowance for credit losses on off-balance sheet credit exposures, including unfunded loan commitments

 

The Company maintains a separate allowance for credit losses from off-balance-sheet credit exposures, including unfunded loan commitments, which is included in other liabilities on the balance sheet. Management estimates the amount of expected losses by calculating a commitment usage factor over the contractual period for exposures that are not unconditionally cancellable by the Company and applying the loss factors used in the ACL methodology to the results of the usage calculation to estimate the liability for credit losses related to unfunded commitments for each loan type. No credit loss estimate is reported for off-balance-sheet credit exposures that are unconditionally cancellable by the Company, such as undrawn amounts under such arrangements that may be drawn prior to the cancellation of the arrangement. The allowance for credit losses on off-balance sheet credit exposures is adjusted as credit loss expense. Categories of off-balance sheet credit exposures correspond to the loan portfolio segments described above. Management evaluates the need for a reserve on unfunded loan commitments in a manner consistent with loans held for investment.

 

An analysis of changes in the allowance for credit losses by segment for the three and nine months ended September 30, 2023 and the allowance for credit losses for the three and nine months ended September 30, 2022 is as follows:

 

   Commercial
Real Estate		   Residential
Real Estate		   Commercial
and
Industrial		   Consumer   Unallocated   Total 
   (In thousands) 
                         
                         
Balance at June, 2023(2)  $15,752   $2,356   $1,487   $52   $—   $19,647 
Provision (reversal) for credit losses   (188)   31    551    15    —    409 
Charge-offs   —    —    (147)   (46)   —    (193)
Recoveries   9    2    77    27    —    115 
Balance at September 30, 2023(2)  $15,573   $2,389   $1,968   $48   $—   $19,978 
                               
Balance at December 31, 2022  $12,199   $4,312   $3,160   $245   $15   $19,931 
Cumulative effect of change in accounting principle(1)   3,989    (2,518)   (75)   (199)   (15)   1,182 
Adjusted Beginning Balance  $16,188   $1,794   $3,085    46    —   $21,113 
Provision (reversal) for credit losses   (211)   570    348    61    —    768 
Charge-offs   (414)   —    (1,561)   (116)   —    (2,091)
Recoveries   10    25    96    57    —    188 
Balance at September 30, 2023(2)  $15,573   $2,389   $1,968   $48   $—   $19,978 
                               

18 

 

 

   Commercial
Real Estate		   Residential
Real Estate		   Commercial
and
Industrial		   Consumer   Unallocated   Total 
   (In thousands) 
                         
Allowance for credit losses for off-balance sheet exposures                              
                               
Balance at June 30, 2023  $395   $163   $33   $—   $—   $591 
(Reversal of) provision for credit losses   (79)   4    20    —    —    (55)
Balance at September 30, 2023  $316   $167   $53   $—   $—   $536 
                               
Balance at December 31, 2022  $—   $—   $—   $—   $—   $— 
Cumulative effect of change in accounting principle   611    267    40    —    —    918 
Reversal of credit losses   (295)   (100)   13    —    —    (382)
Balance at September 30, 2023  $316   $167   $53   $—   $—   $536 

 

 

(1)Represents the net adjustment needed to reflect the cumulative day one impact pursuant to the Company’s adoption of ASU 2016-13 (i.e., cumulative effect adjustment related to the adoption of ASU 2016-13 as of January 1, 2023). The adjustment represents a $931,000 decrease to the allowance for loans attributable to the change in accounting methodology for estimating the allowance for credit losses resulting from the Company’s adoption of the standard. The adjustment also includes the adjustment needed to reflect the day one reclassification of the Company’s PCI loan balances to PCD loan balances and the associated gross-up of $2,113,000, pursuant to the Company’s adoption of ASU 2016-13.
(2)The balance of $7.3 million and $6.8 million in accrued interest receivable is excluded from amortized cost and the calculation of the allowance for credit losses at September 30, 2023 and June 30, 2023, respectively.

 

The $354,000 provision for credit losses during the three months ended September 30, 2023 was comprised of a $409,000 provision for loan losses, which was partially offset by a $55,000 reversal of credit losses for unfunded commitments. The provision expense during the three months ended September 30, 2023 was primarily due to changes in the economic environment and related adjustments to the quantitative components of the CECL methodology. The $55,000 reversal of credit losses for unfunded commitments for the three months ended September 30, 2023 was primarily related to the impact of lower unfunded loan commitments, with off-balance sheet unfunded commitment exposures decreasing $6.7 million, or 3.7%, for the three months ended September 30, 2023. The $386,000 provision for credit losses during the nine months ended September 30, 2023 was comprised of a $768,000 provision for loan losses, which was partially offset by a $382,000 reversal of credit losses for unfunded commitments. The provision expense during the nine months ended September 30, 2023 was primarily due to changes in the economic environment and related adjustments to the quantitative components of the CECL methodology. The $382,000 reversal of credit losses for unfunded commitments for the nine months ended September 30, 2023 was primarily related to the impact of lower unfunded loan commitments, with off-balance sheet unfunded commitment exposures decreasing $36.2 million for the nine months ended September 30, 2023.

 

The following tables presents information pertaining to the allowance for credit losses by segment Pre-ASC 326 CECL adoption for the date indicated:

 

   Commercial
Real Estate		   Residential
Real Estate		   Commercial
and
Industrial		   Consumer   Unallocated   Total 
   (In thousands) 
                         
Balance at June 30, 2022  $12,483   $4,164   $2,686   $210   $17   $19,560 
Provision (credit)   68    86    481    53    (13)   675 
Charge-offs   —    —    —    (59)   —    (59)
Recoveries   —    —    14    18    —    32 
Balance at September 30, 2022  $12,551   $4,250   $3,181   $222   $4   $20,208 
                               
Balance at December 31, 2021  $12,970   $3,964   $2,643   $197   $13   $19,787 
Provision (credit)   (382)   282    538    121    (9)   550 
Charge-offs   (37)   (27)   (22)   (145)   —    (231)
Recoveries   —    31    22    49    —    102 
Balance at September 30, 2022  $12,551   $4,250   $3,181   $222   $4   $20,208 

 

19 

 

 

   Commercial
Real Estate		   Residential
Real Estate		   Commercial
and
Industrial		   Consumer   Unallocated   Total 
   (In thousands) 
December 31, 2022                        
Amount of allowance for impaired loans  $ —   $ —   $ —   $ —   $ —   $ — 
Amount of allowance for non-impaired loans   12,199    4,312    3,160    245    15    19,931 
Total allowance for credit losses  $12,199   $4,312   $3,160   $245   $15   $19,931 
                               
Impaired loans  $9,178   $3,623   $407   $—   $—   $13,208 
Non-impaired loans   1,056,886    689,776    219,163    5,045    —    1,970,870 
Impaired loans acquired with deteriorated credit quality   3,259    1,661    278    —    —    5,198 
Total loans  $1,069,323   $695,060   $219,848   $5,045   $—   $1,989,276 

 

Past Due and Nonaccrual Loans.

 

The following tables present an age analysis of past due loans as of the dates indicated:

 

   30 – 59
Days Past
Due		   60 – 89
Days Past
Due		   90 Days
or  More
Past Due		  

Total

Past Due
Loans

  

Total

Current
Loans

  

Total

Loans

   Nonaccrual
Loans		 
   (In thousands) 
September 30, 2023                            
Commercial real estate  $940   $92   $595   $1,627   $1,078,734   $1,080,361   $1,662 
                                    
Residential real estate:                                   
Residential one-to-four family   2,539    266    683    3,488    602,733    606,221    4,030 
Home equity   83    100    13    196    107,365    107,561    130 
Total:   2,622    366    696    3,684    710,098    713,782    4,160 
                                    
Commercial and industrial   75    —    236    311    212,266    212,577    459 
Consumer   2    —    —    2    5,766    5,768    9 

Total loans

  $3,639   $458   $1,527   $5,624   $2,006,864   $2,012,488   $6,290 
                                    
December 31, 2022                                   
Commercial real estate  $—   $211   $1,404   $1,615   $1,067,708   $1,069,323   $1,933 
                                    
Residential real estate:                                   
Residential one-to-four family   1,768    100    414    2,282    587,221    589,503    3,290 
Home equity   209    97    51    357    105,200    105,557    181 
Total:   1,977    197    465    2,639    692,421    695,060    3,471 
                                    
Commercial and industrial   170    10    22    202    219,646    219,848    290 
Consumer   13    —    —    13    5,032    5,045    — 
Total loans  $2,160   $418   $1,891   $4,469   $1,984,807   $1,989,276   $5,694 

 

At September 30, 2023 and December 31, 2022, total past due loans totaled $5.6 million, or 0.28% of total loans, and $4.5 million, or 0.22% of total loans, respectively.

 

20 

 

 

Nonaccrual Loans.

 

Accrual of interest on loans is generally discontinued when contractual payment of principal or interest becomes past due 90 days or, if in management's judgment, reasonable doubt exists as to the full timely collection of interest. Exceptions may be made if the loan has matured and is in the process of renewal or is well-secured and in the process of collection. When a loan is placed on nonaccrual status, interest accruals cease and uncollected accrued interest is reversed and charged against current interest income. Interest payments on nonaccrual loans are generally applied to principal. If collection of the principal is reasonably assured, interest payments are recognized as income on the cash basis. Loans are generally returned to accrual status when principal and interest payments are current, full collectability of principal and interest is reasonably assured and a consistent record of at least six consecutive months of performance has been achieved.

 

The following table presents information regarding nonaccrual loans as of the date indicated:

 

                                   
   As of September 30, 2023(1)   For the Nine
Months Ended
September 30,
2023		 
   Nonaccrual
Loans with
Allowance for
Credit Loss		   Nonaccrual
Loans Without
Allowance for
Credit Loss		  

Total

Nonaccrual
Loans

   Amortized Cost
of Loans
Greater than
90 Days Past
Due and Still
Accruing		   Accrued
Interest
Receivable
Reversed from
Income		 
   (In thousands) 
         
Commercial real estate  $—   $1,662   $1,662   $—   $85 
Residential real estate:                         
Residential   —    4,030    4,030    —    131 
Home equity   —    130    130    —    9 
Commercial and industrial   —    459    459    —    131 
Consumer   —    9    9    —    — 
Total loans  $—   $6,290   $6,290   $—   $356 

 

 

(1)The Company adopted ASU 2016-13 as of January 1, 2023.

 

At September 30, 2023 and December 31, 2022, nonaccrual loans totaled $6.3 million, or 0.31% of total loans, and $5.7 million, or 0.29%, of total loans, respectively. The Company did not recognize any interest income on nonaccrual loans for the nine months ended September 30, 2023 and for the year ended December 31, 2022. At September 30, 2023 and December 31, 2022, there were no commitments to lend additional funds to any borrower on nonaccrual status.

 

Individually Evaluated Loans.

 

In connection with the adoption of ASU-2106-13, the Company no longer provides information on impaired loans. A loan is considered individually evaluated when, based on current information and events, the borrower is experiencing financial difficulty and repayment, both principal and interest, is expected to be provided substantially through the operation or sale of the collateral. At September 30, 2023, the Company had $14.5 million in individually evaluated commercial loans, collateralized by business assets, and $17.3 million in individually evaluated real estate loans, collateralized by real estate property.

 

21 

 

 

The following table summarizes the Company’s individually evaluated loans by class as of September 30, 2023:

 

   Recorded
Investment		   Related
Allowance		 
   (In thousands) 
With no related allowance recorded:          
Commercial real estate  $11,256   $— 
Residential real estate:          
Residential one-to-four family   5,936    — 
Home equity   143    — 
Commercial and industrial   13,989    — 
Consumer   9    — 
Loans with no related allowance recorded  $31,333   $— 
           
With an allowance recorded:          
Commercial real estate  $—   $— 
Residential real estate:          
Residential one-to-four family   —    — 
Home equity   —    — 
Commercial and industrial   517    179 
Consumer   —    — 
Loans with an allowance recorded  $517   $179 
Total individually evaluated loans  $31,850   $179 

 

Pre-ASC 326 CECL adoption impaired loan information as of December 31, 2022 is as follows:

 

               Nine Months Ended 
   At December 31, 2022   September 30, 2022 
   Recorded
Investment		   Unpaid
Principal
Balance		   Related
Allowance		   Average
Recorded
Investment		   Interest
Income
Recognized		 
   (In thousands) 
Impaired Loans (1)                         
Commercial real estate  $12,437   $13,795   $—   $13,648   $217 
Residential real estate:                         
Residential one-to-four family   5,088    5,823    —    4,716    45 
Home equity   196    214    —    162    1 
Commercial and industrial   685    3,095    —    936    56 
Consumer   —    —    —    3    — 
Total impaired loans  $18,406   $22,927   $—   $19,465   $319 
   
(1)Includes loans acquired with deteriorated credit quality and performing troubled debt restructurings.

 

Modified Loans.

 

Loans are designated as modified when, as part of an agreement to modify the original contractual terms of the loan as a result of financial difficulties of the borrower, the Company grants the borrower a concession on the terms that would not otherwise be considered. Typically, such concessions may consist of a reduction in interest rate to a below market rate, taking into account the credit quality of the note, extension of additional credit based on receipt of adequate collateral, or a deferment or reduction of payments (principal or interest) which materially alters the Company's position or significantly extends the note's maturity date, such that the present value of cash flows to be received is materially less than those contractually established at the loan's origination.

 

There were no loan modifications during the nine months ended September 30, 2023 and for the year ended December 31, 2022. During the nine months ended September 30, 2023 and 2022, no modified loans defaulted (defined as 30 days or more past due) within 12 months of restructuring. There were no charge-offs on modified loans during the nine months ended September 30, 2023 or 2022.

 

22 

 

 

Credit Quality Information.

 

The Company utilizes an eight-grade internal loan rating system for commercial real estate and commercial and industrial loans. Performing residential real estate, home equity and consumer loans are grouped with “Pass” rated loans. Nonperforming residential real estate, home equity and consumer loans are risk rated as “substandard” and individually evaluated.

 

Loans rated 1 – 4: Loans rated 1-4 represent groups of loans that are not subject to adverse criticism as defined in regulatory guidance. Loans in these groups exhibit characteristics that represent acceptable risk.

 

Loans rated 5: Loans rated 5 are considered “Special Mention” and may exhibit potential credit weaknesses or downward trends and are being monitored by management. Loans in this category are currently protected based on collateral and repayment capacity and do not constitute undesirable credit risk, but have potential weakness that may result in deterioration of the repayment process at some future date. This classification is used if a negative trend is evident in the obligor’s financial situation. Special mention loans do not sufficiently expose the Company to warrant adverse classification.

 

Loans rated 6: Loans rated 6 are considered “Substandard.” A loan is classified as substandard if the borrower exhibits a well-defined weakness and may be inadequately protected by the current net worth and cash flow capacity to pay the current debt.

 

Loans rated 7: Loans rated 7 are considered “Doubtful.” Loans classified as doubtful have all the weaknesses inherent in those classified substandard with the added characteristic that the weaknesses make collection or liquidation of the loan highly questionable and improbable. The possibility of some loss is extremely high, but because of specific pending factors that may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined.

 

Loans rated 8: Loans rated 8 are considered uncollectible. The loss classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off the asset because recovery and collection time may be affected in the future.

 

On an annual basis, or more often if needed, we formally review the ratings on all commercial real estate and commercial and industrial loans. In addition, management utilizes delinquency reports, the criticized loan report and other loan reports to monitor credit quality. In addition, at least on an annual basis, the Company contracts with an external loan review company to review the internal credit ratings assigned to loans in the commercial loan portfolio on a pre-determined schedule, based on the type, size, rating, and overall risk of the loan. During the course of its review, the third party examines a sample of loans, including new loans, existing relationships over certain dollar amounts and classified assets.

 

The following table details the amortized cost balances of the Company’s loan portfolio presented by risk rating and origination year as of the periods presented. In addition, payment activity has been included as an additional credit quality indicator:

 

23 

 

 

                                                             
   Term Loan Origination by Year   Revolving Loans     
   September 30,
2023		   2022   2021   2020   2019   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
                                     
Commercial Real Estate:                                             
Pass (Rated 1- 4)  $34,695   $176,724   $230,571   $115,495   $90,600   $330,324   $75,495   $6,005   $1,059,909 
Special Mention (Rated 5)   —    —    —    184    2,483    5,994    164    —    8,825 
Substandard (Rated 6)   —    —    —    8,142    —    3,485    —    —    11,627 
Total commercial real estate loans  $34,695   $176,724   $230,571   $123,821   $93,083   $339,803   $75,659   $6,005   $1,080,361 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $414   $—   $—   $414 
                                              
Payment Performance:                                             
Performing  $34,695   $176,724   $230,571   $123,821   $93,083   $338,141   $75,659   $6,005   $1,078,699 
Nonperforming   —    —    —    —    —    1,662    —    —    1,662 
                                              
Residential One-to-Four Family:                                             
Pass  $42,352   $87,316   $96,136   $128,473   $55,057   $181,613   $10,301   $—   $601,248 
Substandard   —    447    —    336    —    4,190    —    —    4,973 
Total residential one-to-four family  $42,352   $87,763   $96,136   $128,809   $55,057   $185,803   $10,301   $—   $606,221 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $42,352   $87,316   $96,136   $128,473   $55,057   $182,556   $10,301   $—   $602,191 
Nonperforming   —    447    —    336    —    3,247    —    —    4,030 
                                              
Home Equity:                                             
Pass  $7,507   $11,362   $7,085   $7,312   $5,614   $7,722   $58,342   $2,487   $107,431 
Substandard   —    —    —    —    —    —    92    38    130 
Total home equity loans  $7,507   $11,362   $7,085   $7,312   $5,614   $7,722   $58,434   $2,525   $107,561 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $7,507   $11,362   $7,085   $7,312   $5,614   $7,722   $58,342   $2,487   $107,431 
Nonperforming   —    —    —    —    —    —    92    38    130 

 

24 

 

 

   Term Loans Originated by Year   Revolving Loans     
   September 30,
2023		   2022   2021   2020   2019   Prior   Revolving Loans   Revolving
Loans
Converted to
Term Loans		   Total 
   (Dollars in thousands) 
Commercial and Industrial:                                             
Pass (Rated 1- 4)  $20,989   $37,264   $25,984   $21,718   $20,586   $9,985   $55,938   $71   $192,535 
Special Mention (Rated 5)   —    111    157    —    19    605    2,268    —    3,160 
Substandard (Rated 6)   —    —    1,506    8,581    4    19    6,772    —    16,882 
Total commercial and industrial loans  $20,989   $37,375   $27,647   $30,299   $20,609   $10,609   $64,978   $71   $212,577 
                                              
Current period gross charge-offs  $—   $147   $—   $—   $—   $221   $—   $1,193   $1,561 
                                              
Payment Performance:                                             
Performing  $20,989   $37,375   $27,647   $30,299   $20,609   $10,601   $64,527   $71   $212,118 
Nonperforming   —    —    —    —    —    8    451    —    459 
                                              
Consumer:                                             
Pass  $2,097   $1,633   $596   $322   $101   $209   $784   $—   $5,742 
Substandard   —    —    —    —    —    26    —    —    26 
Total consumer loans  $2,097   $1,633   $596   $322   $101   $235   $784   $—   $5,768 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $3   $113   $116 
                                              
Payment Performance:                                             
Performing  $2,097   $1,633   $596   $322   $101   $227   $783   $—   $5,759 
Nonperforming   —    —    —    —    —    8    1    —    9 

25 

 

 

The following table presents our loans by risk rating as of December 31, 2022 Pre-ASC 326 CECL adoption:

 

   Commercial Real
Estate		   Residential
1-4 Family		   Home
Equity		   Commercial
and Industrial		   Consumer   Total 
   (In thousands) 
December 31, 2022                        
Pass (Rated 1 - 4)  $1,036,337   $585,292   $105,248   $193,415   $5,027   $1,925,319 
Special Mention (Rated 5)   16,035    —    —    5,623    —    21,658 
Substandard (Rated 6)   16,951    4,211    309    20,810    18    42,299 
Total  $1,069,323   $589,503   $105,557   $219,848   $5,045   $1,989,276 

 

 

6.GOODWILL AND OTHER INTANGIBLES

 

Goodwill

 

At September 30, 2023 and December 31, 2022, the Company’s goodwill balance of $12.5 million was related to the acquisition of Chicopee Bancorp, Inc. in October 2016. There was no goodwill impairment recorded during the three months ended September 30, 2023 or the year ended December 31, 2022. Annually, or more frequently if events or changes in circumstances warrant such evaluation, the Company evaluates its goodwill for impairment.

 

Core Deposit Intangible

 

In connection with the acquisition of Chicopee Bancorp, Inc., the Bank recorded a core deposit intangible of $4.5 million which is amortized over twelve years using the straight-line method. Amortization expense was $282,000 for the nine months ended September 30, 2023 and 2022, respectively. At September 30, 2023, future amortization of the core deposit intangible totaled $375,000 for each of the next five years and $31,000 thereafter.

 

 

7.SHARE-BASED COMPENSATION

 

Restricted Stock Awards.

 

In May 2014, the Company’s shareholders approved the 2014 Omnibus Incentive Plan, a stock-based compensation plan (the “2014 Incentive Plan”). Under the 2014 Incentive Plan, up to 516,000 shares of the Company’s common stock were reserved for grants of stock awards, including stock options and restricted stock, which may be granted to any officer, key employee or non-employee director of WNEB. Any shares that are not issued because vesting requirements are not met were available for future issuance under the 2014 Incentive Plan.

 

On an annual basis, the Compensation Committee (the “Committee”) approves long-term incentive awards out of the 2014 Incentive Plan, whereby shares will be granted to eligible participants of the Company that are nominated by the Chief Executive Officer and approved by the Committee, with vesting over a three-year term for employees and a one-year term for directors. Annual employee grants provide for a periodic award that is both performance and time-based and is designed to recognize the executive’s responsibilities, reward performance and leadership and as a retention tool. The objective of the award is to align compensation for the named executive officers and directors over a multi-year period directly with the interests of our shareholders by motivating and rewarding creation and preservation of long-term financial strength, shareholder value and relative shareholder return.

 

In February 2020, 120,053 shares were granted under the 2020 Long-Term Incentive Plan (the “2020 Incentive Plan”). Of the 120,053 shares, 69,898 shares were time-based, with 19,760 vesting in one year and 50,138 vesting ratably over a three-year period. The remaining 50,155 shares granted are performance-based and are subject to the achievement of the 2020 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2020 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and stretch absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

 

26 

 

 

The threshold, target and stretch metrics under the 2020 Incentive Plan are as follows:

 

                 
     Return on Equity Metrics 
Performance Period Ending   Threshold   Target   Stretch 
                 
December 31, 2020    5.00%   5.48%   6.00%
December 31, 2021    5.62%   6.24%   6.86%
December 31, 2022    6.29%   6.99%   7.69%

 

                 
     Earnings Per Share Metrics 
Performance Period Ending    Threshold   Target   Stretch 
                  
Three-year Cumulative Diluted Earnings Per Share    $1.50   $1.65   $1.80 

 

Eligible participants will be able to earn between 50% (“threshold” performance), 100% (“target” performance) and 150% (“stretch” performance). As of December 31, 2022, the three-year performance period for the 2020 Incentive Plan grants ended. The 2020 Incentive Plan included a “catch-up” provision allowing for any unearned performance-based shares from the 2020 and 2021 performance periods to be earned at the end of the three-year period based on the final year performance. Of the original 50,155 performance-based shares granted in 2020 based on achieving target, 59,268 performance-based shares were eligible for vesting during the first quarter of 2023 based on achieving stretch.

 

The fair market value of shares awarded is based on the market price at the grant date, recorded as unearned compensation and amortized over the applicable vesting period. Performance-based metrics are monitored on a quarterly basis in order to compare actual results to the performance metric, with any necessary adjustments being recognized through share-based compensation expense and unearned compensation.

 

In May 2021, the Company’s shareholders approved the 2021 Omnibus Incentive Plan, a stock-based compensation plan (the “2021 Incentive Plan”). Under the 2021 Incentive Plan, up to 700,000 shares of the Company’s common stock were reserved for grants of stock awards, including stock options and restricted stock, which may be granted to any officer, key employee or non-employee director of the Company. Any shares that are not issued because vesting requirements are not met will be available for future issuance under the 2021 Incentive Plan.

 

In May 2021, 122,362 shares were granted under the 2021 Long-Term Incentive Plan (the “2021 Incentive Plan”). Of the 122,362 shares, 61,181 shares were time-based, vesting ratably over a three-year period. The remaining 61,181 shares granted are performance-based and are subject to the achievement of the 2021 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2021 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and stretch absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

 

The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows:

 

                 
    Return on Equity Metrics 
Performance Period Ending   Threshold   Target   Stretch 
              
December 31, 2021    5.63%    6.25%    7.50% 
December 31, 2022    5.85%    6.50%    7.80% 
December 31, 2023    6.08%    6.75%    8.10% 

27 

 

 

                 
     Earnings Per Share Metrics 
Performance Period Ending    Threshold   Target   Stretch 
               
Three-year Cumulative Diluted Earnings Per Share    $1.58   $1.97   $2.36 

 

In March 2022, 137,151 shares were granted under the 2022 Long-Term Incentive Plan (the “2022 Incentive Plan”). Of the 137,151 shares, 77,463 shares were time-based, with 17,775 vesting in one year and 59,688 vesting ratably over a three-year period. The remaining 59,688 shares granted are performance-based and are subject to the achievement of the 2022 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2022 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and stretch absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

 

The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows:

 

                 
    Return on Equity Metrics
Performance Period Ending   Threshold  Target  Stretch
           
December 31, 2022    7.79%   8.20%   8.61%
December 31, 2023    7.93%   8.35%   8.77%
December 31, 2024    8.03%   8.45%   8.87%

 

                 
     Earnings Per Share Metrics 
Performance Period Ending    Threshold   Target   Stretch 
               
Three-year Cumulative Diluted Earnings Per Share    $2.35   $2.61   $2.85 

 

In March 2023, 139,196 shares were granted under the 2023 Long-Term Incentive Plan (the “2023 Incentive Plan”). Of the 139,196 shares, 78,697 shares were time-based, with 18,198 vesting in one year and 60,499 vesting ratably over a three-year period. The remaining 60,499 shares granted are performance-based and are subject to the achievement of the 2023 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2023 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and stretch absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

 

The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows:

 

                 
    Return on Equity Metrics
Performance Period Ending   Threshold  Target  Stretch
           
December 31, 2023    8.00%   8.45%     8.85%
December 31, 2024    8.75%   9.25%     9.75%
December 31, 2025    9.00%   9.50%   10.00%

 

                 
     Earnings Per Share Metrics 
Performance Period Ending    Threshold   Target   Stretch 
               
Three-year Cumulative Diluted Earnings Per Share    $2.39   $2.65   $2.89 

 

At September 30, 2023, there were 304,033 remaining shares available to grant under the 2021 Incentive Plan.

 

28 

 

 

A summary of the status of restricted stock awards at September 30, 2023 and September 30, 2022 is presented below:

 

   Shares  

Weighted Average
Grant Date Fair
Value

($)

 
Balance at December 31, 2022   206,092    8.85 
Shares granted   158,957    9.79 
Shares vested   (66,817)   9.07 
Balance at September 30, 2023   298,232    9.30 

 

   Shares  

Weighted Average
Grant Date Fair
Value

($)

 
Balance at December 31, 2021   213,381    8.91 
Shares granted   144,440    9.14 
Shares forfeited   (24,440)   8.73 
Shares vested   (60,009)   9.77 
Balance at September 30, 2022   273,372    8.86 

 

We recorded total expense for restricted stock awards of $1.1 million and $804,000 for the nine months ended September 30, 2023 and 2022, respectively.

 

8. SHORT-TERM BORROWINGS AND LONG-TERM DEBT

 

We utilize short-term borrowings and long-term debt as additional sources of funds to finance our lending and investing activities and to provide liquidity for daily operations. Total borrowing capacity includes borrowing arrangements at the FHLB, the Federal Reserve Bank (“FRB”), and borrowing arrangements with correspondent banks.

 

Short-term borrowings can consist of FHLB advances with an original maturity of less than one year, overnight Ideal Way line of credit advances and other borrowings held as collateral for customer swap arrangements. Other borrowings totaled $8.9 million with a weighted average rate of 5.33% at September 30, 2023, compared to $6.4 million with a weighted average rate of 4.33% at December 31, 2022. Short-term borrowings issued by the FHLB were $35.0 million with a weighted average rate of 4.38% at December 31, 2022. There were no short-term borrowings issued by the FHLB outstanding at September 30, 2023.

 

FHLB advances provide more pricing and option alternatives for particular asset/liability needs. The FHLB provides a central credit facility primarily for member institutions. As an FHLB member, the Company is required to own capital stock of the FHLB, calculated periodically based primarily on its level of borrowings from the FHLB. FHLB borrowings are secured by certain securities from the Company’s investment portfolio not otherwise pledged as well as certain residential real estate and commercial real estate loans. Advances are made under several different credit programs with different lending standards, interest rates and range of maturities. This relationship is an integral component of the Company’s asset-liability management program. At September 30, 2023, the Bank had $542.0 million in additional borrowing capacity from the FHLB.

 

The Company also has an available overnight Ideal Way line of credit with the FHLB of $9.5 million. Interest on this line of credit is payable at a rate determined and reset by the FHLB on a daily basis. The outstanding principal is due daily but the portion not repaid will be automatically renewed. The Company has an available line of credit of $48.4 million with the FRB Discount Window at an interest rate determined and reset on a daily basis. Borrowings from the FRB Discount Window are secured by certain securities from the Company’s investment portfolio not otherwise pledged. As of September 30, 2023 and December 31, 2022, there were no advances outstanding under either of these lines.

 

The Company also has pre-established, non-collateralized overnight borrowing arrangements with large national and regional correspondent banks to provide additional overnight and short-term borrowing capacity for the Company. The Company has a $15.0 million line of credit with a correspondent bank and a $10.0 million line of credit with another correspondent bank, both at an interest rate determined and reset on a daily basis. As of September 30, 2023 and December 31, 2022, there were no advances outstanding under these lines.

 

29 

 

 

Long-term debt consists of FHLB and FRB advances with an original maturity of one year or more. On March 12, 2023, the FRB made available the BTFP, which enhances the ability of banks to borrow greater amounts against certain high-quality, unencumbered investments at par value. During the nine months ended September 30, 2023, the Company participated in the BTFP, which enabled the Company to pay off higher rate FHLB advances. With the BTFP, the Company has the ability to pay off the BTFP advance prior to maturity without incurring a penalty or termination fee.

 

At September 30, 2023, long-term debt consisted of $31.2 million in outstanding advances with the FHLB with a weighted average fixed rate of 4.72% and $90.0 million in outstanding advances under the BTFP with a weighted average fixed rate of 4.71%, compared to $1.2 million in long-term debt with the FHLB at December 31, 2022. There were no advances outstanding with the FRB under the BTFP at December 31, 2022. At September 30, 2023, the Company had $25.3 million in available borrowing capacity under the BTFP.

 

9. SUBORDINATED DEBT

 

On April 20, 2021, the Company completed an offering of $20.0 million in aggregate principal amount of its 4.875% fixed-to-floating rate subordinated notes (the “Notes”) to certain qualified institutional buyers in a private placement transaction. At March 31, 2023, $19.7 million aggregate principle amount of the Notes was outstanding.

 

Unless earlier redeemed, the Notes mature on May 1, 2031. The Notes will bear interest from the initial issue date to, but excluding, May 1, 2026, or the earlier redemption date, at a fixed rate of 4.875% per annum, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year, beginning August 1, 2021, and from and including May 1, 2026, but excluding the maturity date or earlier redemption date, equal to the benchmark rate, which is the 90-day average secured overnight financing rate, plus 412 basis points, determined on the determination date of the applicable interest period, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year. The Company may also redeem the Notes, in whole or in part, on or after May 1, 2026, and at any time upon the occurrence of certain events, subject in each case to the approval of the Board of Governors of the Federal Reserve System (the “Federal Reserve”). The Notes were designed to qualify as Tier 2 capital under the Federal Reserve’s capital adequacy regulations.

 

The Notes are presented net of issuance costs of $298,000 as of September 30, 2023, which are being amortized into interest expense over the life of the Notes. Amortization of issuance costs into interest expense was $29,000 and $30,000 for the nine months ended September 30, 2023 and 2022, respectively.

 

10. PENSION BENEFITS

 

The Board of Directors previously announced the termination of the Westfield Bank Defined Benefit Pension Plan (the “DB Plan”) on October 31, 2022, subject to pending regulatory approval. At December 31, 2022, the Company reversed $7.3 million in net unrealized losses recorded in accumulated other comprehensive income attributed to both the DB plan curtailment resulting from the termination of the DB Plan as well as changes in discount rates. In addition, during the three months ended December 31, 2022, the Company recorded a gain on curtailment of $2.8 million through non-interest income. On April 11, 2023, the Company made an additional cash contribution of $1.3 million in order to fully fund the DB Plan on a plan termination basis, and on April 14, 2023, for those participants who did not opt for a one-time lump sum payment, the Company funded $6.3 million to purchase a group annuity contract to transfer its remaining liabilities under the DB Plan. On June 30, 2023, the Company recognized the final settlement expense of $1.1 million related to the DB Plan termination, which was recorded through non-interest income.

 

30 

 

 

The following table provides information regarding net pension benefit costs for the periods shown:

 

                 
   Three Months Ended   Nine Months Ended, 
   September 30,   September 30, 
   2023   2022   2023   2022 
   (In thousands) 
Service cost  $—   $334   $—   $1,002 
Interest cost   —    312    487    937 
Expected return on assets   —    (426)   (333)   (1,279)
Amortization of actuarial loss   —    158    —    475 
Net periodic pension cost  $—   $378   $154   $1,135 

 

 

11. DERIVATIVES AND HEDGING ACTIVITIES

 

Risk Management Objective of Using Derivatives.

 

The Company is exposed to certain risks arising from both our business operations and economic conditions. We principally manage our exposures to a wide variety of business and operational risks through management of our core business activities. We manage economic risks, including interest rate, liquidity, and credit risk, primarily by managing the amount, sources, and duration of our assets and liabilities and the use of derivative financial instruments. Specifically, we entered into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. Our derivative financial instruments are used to manage differences in the amount, timing, and duration of our known or expected cash receipts and our known or expected cash payments principally related to certain variable rate loan assets and variable rate borrowings.

 

Fair Value Hedges of Interest Rate Risk.

 

The Company is exposed to changes in the fair value of certain pools of fixed-rate assets due to changes in benchmark interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in the designated benchmark interest rate. The Company's interest rate swaps designated as fair value hedges involve the payment of fixed-rate amounts to a counterparty in exchange for the Company receiving variable-rate payments over the life of the agreements without the exchange of the underlying notional amount.

 

For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in interest income.

 

As of September 30, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:

 

Item in the Balance Sheet in which the Hedged Item is Included  Carrying Amount of Hedged
Assets/(Liabilities)		   Cumulative Amount of Fair Value
Hedging Adjustments Included in the
Carrying Amount of Hedged
Assets/(Liabilities)		 
  

At

September 30,
2023

  

At

December 31,
2022

  

At

September 30,
2023

  

At

December 31,
2022

 
   (In thousands) 
Loans  $198,237   $—   $(1,763)  $— 
Total  $198,237   $—   $(1,763)  $— 

 

These amounts include the amortized cost basis of closed portfolios of fixed rate residential loans used to designate hedging relationships in which the hedged item is the stated amount of assets in the closed portfolio anticipated to be outstanding for the designated hedged period. At September 30, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was $473.1 million; the cumulative basis adjustments associated with these hedging relationships was approximately $1.8 million; and the notional amount of the designated hedged items were approximately $200.0 million. The Company had no fair value hedges at December 31, 2022. The notional amounts of these agreements do not represent amounts exchanged by the parties and, thus, are not a measure of the potential loss exposure. At September 30, 2023, the Company’s fair value hedges had a remaining maturity of 1.1 years, and an average fixed rate of 4.43%.

 

31 

 

 

Non-hedging Derivatives.

 

Derivatives not designated as hedges are not speculative, but rather result from a service the Company provides to certain customers. The Company executes loan-level derivative products such as interest-rate swap agreements with commercial banking customers to aid them in managing their interest-rate risk by converting floating-rate loan payments to fixed-rate loan payments. The Company concurrently enters into offsetting swaps with a third-party financial institution, effectively minimizing the Company’s net risk exposure resulting from such transactions. The third-party financial institution exchanges the customer's fixed-rate loan payments for floating-rate loan payments. As the interest-rate swap agreements associated with this program do not meet hedge accounting requirements, changes in the fair value are recognized directly in earnings.

 

Fair Values of Derivative Instruments on the Balance Sheet.

 

The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of September 30, 2023 and December 31, 2022.

 

September 30, 2023  Asset Derivatives  Liability Derivatives
   Balance Sheet Location  Fair Value   Balance Sheet Location  Fair Value 
   (In thousands)
Hedging Derivatives                
Interest rate swaps - fair value hedges     $1,799      $— 
Derivatives not designated as hedging instruments:                
Interest rate swap – with customer counterparties      —       7,087 
Interest rate swap – with dealer counterparties      7,087       — 
Total derivatives  Other Assets  $8,886   Other Liabilities  $7,087 

 

December 31, 2022  Asset Derivatives  Liability Derivatives
   Balance Sheet Location  Fair Value   Balance Sheet Location  Fair Value 
   (In thousands)
Derivatives not designated as hedging instruments:              
Interest rate swap – with customer counterparties     $—      $6,343 
Interest rate swap – with dealer counterparties      6,343       — 
Total derivatives not designated as hedging instruments  Other Assets  $6,343   Other Liabilities  $6,343 

 

 

Effect of Derivative Instruments in the Consolidated Statements of Net Income.

 

The table below presents the effect of the Company’s derivative financial instruments on the statements of net income as of September 30, 2023 and September 30, 2022.

 

  

 

  

 

  

 

  

 

 
  

Location and Amount of Gain (Loss) Recognized in Income on

Fair Value Hedging Relationships

 
  

Three Months Ended

September 30, 2023

  

Three Months Ended

September 30, 2022

  

Nine Months Ended

September 30, 2023

  

Nine Months Ended

September 30, 2022

 
   (In thousands) 
    Interest Income    Interest Income    Interest Income    Interest Income 
Total amounts of income line items presented in the statements of net income in which the effects of fair value hedges are recorded  $406   $—   $627   $— 
                     
Gain (loss) on fair value hedging relationships                    
Interest rate contracts:                    
Hedged items  $(104)   —   $(1,763)   — 
Derivatives designated as hedging instruments   510    —    2,390    — 

 

32 

 

 

There were no gains or losses recognized in accumulated other comprehensive income during the nine months ended September 30, 2023 or 2022.

 

Credit-risk-related Contingent Features

 

By using derivative financial instruments, we expose ourselves to credit risk. Credit risk is the risk of failure by the counterparty to perform under the terms of the derivative contract. When the fair value of a derivative contract is positive, the counterparty owes us, which creates credit risk for us. When the fair value of a derivative is negative, we owe the counterparty and, therefore, it does not possess credit risk. The credit risk in derivative instruments is mitigated by entering into transactions with highly-rated counterparties that we believe to be creditworthy and by limiting the amount of exposure to each counterparty.

 

We have agreements with our derivative counterparties that contain a provision where if we default on any of our indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then we could also be declared in default on our derivative obligations. We also have agreements with certain of our derivative counterparties that contain a provision where if we fail to maintain our status as well capitalized, then the counterparty could terminate the derivative positions and we would be required to settle our obligations under the agreements. Certain of our agreements with our derivative counterparties contain provisions where if a formal administrative action by a federal or state regulatory agency occurs that materially changes our creditworthiness in an adverse manner, we may be required to fully collateralize our obligations under the derivative instrument.

 

At September 30, 2023, we had minimum collateral posting thresholds with certain of our derivative counterparties. As of September 30, 2023, we were not required to post collateral under these agreements because we did not have any derivatives in a liability position with those counterparties.

 

12. FAIR VALUE OF ASSETS AND LIABILITIES

 

Determination of Fair Value.

 

We use fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for our various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument.

 

Methods and assumptions for valuing our financial instruments are set forth below. Estimated fair values are calculated based on the value without regard to any premium or discount that may result from concentrations of ownership of a financial instrument, possible tax ramifications or estimated transaction cost.

 

Securities. The securities measured at fair value in Level 1 are based on quoted market prices in an active exchange market. All other securities are measured at fair value in Level 2 and are based on pricing models that consider standard input factors such as observable market data, benchmark yields, interest rate volatilities, broker/dealer quotes, credit spreads and new issue data. These securities include government-sponsored enterprise obligations, state and municipal obligations, corporate bonds, residential mortgage-backed securities guaranteed and sponsored by the U.S. government or an agency thereof. Fair value measurements are obtained from a third-party pricing service and are not adjusted by management.

 

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Interest rate swaps. The valuation of our interest rate swaps is obtained from a third-party pricing service and is determined using a discounted cash flow analysis on the expected cash flows of each derivative. The pricing analysis is based on observable inputs for the contractual terms of the derivatives, including the period to maturity and interest rate curves. We have determined that the majority of the inputs used to value our interest rate derivatives fall within Level 2 of the fair value hierarchy.

 

Assets and Liabilities Measured at Fair Value on a Recurring Basis.

 

Assets and liabilities measured at fair value on a recurring basis are summarized below:

 

                               
   September 30, 2023 
   Level 1   Level 2   Level 3   Total 
Assets:  (In thousands) 
Available-for-sale securities  $—   $130,709   $—   $130,709 
Interest rate swaps   —    8,886    —    8,886 
Total assets  $—   $139,595   $—   $139,595 
                     
Liabilities:                    
Interest rate swaps  $—   $7,087   $—   $7,087 

 

                     
   December 31, 2022 
   Level 1   Level 2   Level 3   Total 
Assets:  (In thousands) 
Available-for-sale securities  $—   $146,997   $—   $146,997 
Marketable equity securities   6,237    —    —    6,237 
Interest rate swaps   —    6,343    —    6,343 
Total assets  $6,237   $153,340   $—   $159,577 
                     
Liabilities:                    
Interest rate swaps  $—   $6,343   $—   $6,343 

 

There were no transfers to or from Level 1 and 2 for assets measured at fair value on a recurring basis at September 30, 2023 and December 31, 2022.

 

Assets Measured at Fair Value on a Non-recurring Basis.

 

We may also be required, from time to time, to measure certain other financial assets at fair value on a nonrecurring basis in accordance with generally accepted accounting principles. These adjustments to fair value usually result from application of lower-of-cost-or-market accounting or write-downs of individual assets.

 

The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of September 30, 2023 and December 31, 2022:

 

       Nine Months Ended 
   At September 30, 2023   September 30, 2023 
               Total 
   Level 1   Level 2   Level 3   Losses 
   (In thousands)   (In thousands) 
         
Collateral Dependent Loans  $—   $—   $239   $1,828 

 

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       Nine Months Ended 
   At December 31, 2022   September 30, 2022 
               Total 
   Level 1   Level 2   Level 3   Losses 
   (In thousands)   (In thousands) 
         
Impaired Loans  $—   $—   $877   $— 

 

The amount of collateral dependent loans represents the carrying value, net of the related write-down or valuation allowance of impaired loans for which adjustments are based on the estimated fair value of the underlying collateral.  The fair value of impaired loans with specific allocations of the allowance for credit losses is generally based on real estate appraisals performed by independent licensed or certified appraisers.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available.  Management will discount appraisals as deemed necessary based on the date of the appraisal and new information deemed relevant to the valuation.  Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value.

 

Summary of Fair Values of Financial Instruments.

 

The estimated fair values of our financial instruments are as follows:

                                       
   September 30, 2023 
   Carrying
Value		   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (In thousands) 
Assets:                    
Cash and cash equivalents  $62,267   $62,267   $—   $—   $62,267 
Securities held-to-maturity   225,020    9,236    167,625    —    176,861 
Securities available-for-sale   130,709    —    130,709    —    130,709 
Federal Home Loan Bank of Boston and other restricted stock   3,063    —    —    3,063    3,063 
Loans - net   1,994,842    —    —    1,827,262    1,827,262 
Accrued interest receivable   8,281    —    —    8,281    8,281 
Mortgage servicing rights   445    —    745    —    745 
Derivative asset   8,886    —    8,886    —    8,886 
                          
Liabilities:                         
Deposits   2,176,303    —    —    2,171,517    2,171,517 
Short-term borrowings   8,890    —    8,890    —    8,890 
Long-term debt   121,178    —    120,591    —    120,591 
Subordinated debt   19,702    —    17,200    —    17,200 
Accrued interest payable   2,130    —    —    2,130    2,130 
Derivative liabilities   7,087    —    7,087    —    7,087 
                          

 

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   December 31, 2022 
   Carrying Value   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (In thousands) 
Assets:                    
Cash and cash equivalents  $30,342   $30,342   $—   $—   $30,342 
Securities held-to-maturity   230,168    9,162    181,788    —    190,950 
Securities available-for-sale   146,997    —    146,997    —    146,997 
Marketable equity securities   6,237    6,237    —    —    6,237 
Federal Home Loan Bank of Boston and other restricted stock   3,352    —    —    3,352    3,352 
Loans - net   1,971,469    —    —    1,856,087    1,856,087 
Accrued interest receivable   8,140    —    —    8,140    8,140 
Mortgage servicing rights   550    —    794    —    794 
Derivative asset   6,343    —    6,343    —    6,343 
                          
Liabilities:                         
Deposits   2,229,443    —    —    2,220,405    2,220,405 
Short-term borrowings   41,350    —    41,350    —    41,350 
Long-term debt   1,178    —    1,094    —    1,094 
Subordinated debt   19,673    —    18,132    —    18,132 
Accrued interest payable   186    —    —    186    186 
Derivative liabilities   6,343    —    6,343    —    6,343 
                          

 

 

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ITEM 2: MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS.

 

Overview.

 

We strive to remain a leader in meeting the financial service needs of the local community and to provide quality service to the individuals and businesses in the market areas that we have served since 1853. Historically, we have been a community-oriented provider of traditional banking products and services to business organizations and individuals, including products such as residential and commercial real estate loans, commercial and industrial loans, consumer loans and a variety of deposit products. We meet the needs of our local community through a community-based and service-oriented approach to banking.

 

We have adopted a growth-oriented strategy that continues to focus on increasing commercial lending and residential lending. Our strategy also calls for increasing deposit relationships, specifically core deposits (defined below), and broadening our product lines and services. We believe that this business strategy is best for our long-term success and viability, and complements our existing commitment to high-quality customer service.

 

In connection with our overall growth strategy, we seek to:

 

●Grow the Company’s commercial loan portfolio and related commercial deposits by targeting businesses in our primary market areas of Hampden and Hampshire Counties in western Massachusetts and Hartford and Tolland Counties in northern Connecticut to increase the net interest margin and loan income;

 

●Supplement the Company’s commercial portfolio by growing the Company’s residential real estate portfolio to diversify the Company’s loan portfolio and deepen customer relationships;

 

●Focus on expanding our retail banking deposit franchise and increase the number of households served within our designated market area;

 

●Invest in people, systems and technology to grow revenue, improve efficiency and enhance the overall customer experience;

 

●Grow revenues, increase book value and tangible book value per share (non-GAAP), continue to pay competitive dividends to shareholders and utilize the Company’s stock repurchase plan to leverage our capital and enhance franchise value (tangible book value per share is a non-GAAP measure. See “Explanation of Use of Non-GAAP Financial Measurements” for more information regarding our uses of non-GAAP financial measurements); and

 

●Consider growth through acquisitions. We may pursue expansion opportunities in existing or adjacent strategic locations with companies that add complementary products to our existing business and at terms that add value to our existing shareholders.

 

You should read the following financial results for the three months and nine months ended September 30, 2023 in the context of this strategy.

 

●Net income was $4.5 million, or $0.21 per diluted share, for the three months ended September 30, 2023, compared to net income of $6.0 million, or $0.28 per diluted share, for the three months ended September 30, 2022. For the nine months ended September 30, 2023, net income was $12.6 million, or $0.58 per diluted share, compared to $16.9 million, or $0.77 per diluted share, for the nine months ended September 30, 2022.

 

●Net interest income decreased $3.9 million, or 19.2%, to $16.4 million, for the three months ended September 30, 2023, from $20.3 million for the three months ended September 30, 2022. The decrease in net interest income was due to an increase in interest expense of $8.1 million, partially offset by an increase in interest and dividend income of $4.1 million, or 19.1%. During the nine months ended September 30, 2023, net interest income decreased $6.7 million, or 11.4%, to $51.7 million, compared to $58.4 million for the nine months ended September 30, 2022. The decrease in net interest income was due to an increase in interest expense of $18.7 million, partially offset by an increase in interest and dividend income of $12.0 million, or 19.3%.

 

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●During the three months ended September 30, 2023, the Company recorded a provision for credit losses of $354,000 under the Current Expected Credit Losses (“CECL”) model, compared to $675,000 during the three months ended September 30, 2022, under the incurred loss model. For the nine months ended September 30, 2023, the Company recorded a provision for credit losses of $386,000, under the CECL model, compared to $550,000, under the incurred loss model, during the nine months ended September 30, 2022. The decrease was primarily due to changes in the economic environment and related adjustments to the quantitative components of the CECL methodology. The Company recorded net charge-offs of $1.9 million for the nine months ended September 30, 2023, as compared to net charge-offs of $129,000 for the nine months ended September 30, 2022. The charge-offs for the nine months ended September 30, 2023 were primarily related to one commercial loan relationship acquired on October 21, 2016 from Chicopee Bancorp, Inc. that was placed on nonaccrual status. The charge-off represented the non-accretable credit mark that was required to be grossed-up to the loan’s amortized cost basis with a corresponding increase to the allowance for credit losses under the CECL implementation. There was no impact to earnings as a result of the charge-off.

 

CRITICAL ACCOUNTING POLICIES.

 

Our consolidated financial statements are prepared in accordance with U.S. GAAP and practices within the banking industry. Application of these principles requires management to make estimates, assumptions, and judgments that affect the amounts reported in the financial statements and accompanying notes. These estimates, assumptions, and judgments are based on information available as of the date of the financial statements; accordingly, as this information changes, the financial statements could reflect different estimates, assumptions, and judgments. Actual results could differ from those estimates.

 

Critical accounting estimates are necessary in the application of certain accounting policies and procedures, and are particularly susceptible to significant change. Critical accounting policies are defined as those that are reflective of significant judgments and uncertainties, and could potentially result in materially different results under different assumptions and conditions.

 

On January 1, 2023, the Company adopted Accounting Standards Update (ASU) 2016-13 Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, which requires the recognition of the allowance for credit losses be estimated using the CECL methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases. In addition, ASC 326 made changes to the accounting for available-for-sale debt securities. One such change is to require credit losses to be presented as an allowance rather than as a write-down on available-for-sale debt securities that are determined to have impairment related to credit losses.

 

There have been no additional material changes to our critical accounting policies during the nine months ended September 30, 2023. For additional information on our critical accounting policies, please refer to the information contained in Note 1 of the accompanying unaudited consolidated financial statements and Note 1 of the consolidated financial statements included in our 2022 Annual Report.

 

COMPARISON OF FINANCIAL CONDITION AT SEPTEMBER 30, 2023 AND DECEMBER 31, 2022

 

At September 30, 2023, total assets were $2.6 billion and increased $31.8 million, or 1.3%, from December 31, 2022. The increase in total assets was primarily related to an increase in total loans of $23.4 million, or 1.2%, an increase in cash and cash equivalents of $31.9 million, or 105.2%, to $62.3 million, partially offset by a decrease in investment securities of $27.7 million, or 7.2%, to $355.7 million.

 

At September 30, 2023, the available-for-sale (“AFS”) and held-to-maturity (“HTM”) securities portfolio represented 13.8% of total assets compared to 14.8% at December 31, 2022. At September 30, 2023, the Company’s AFS securities portfolio, recorded at fair market value, decreased $16.3 million, or 11.1%, from $147.0 million at December 31, 2022 to $130.7 million. The HTM securities portfolio, recorded at amortized cost, decreased $5.2 million, or 2.2%, from $230.2 million at December 31, 2022 to $225.0 million at September 30, 2023. The marketable equity securities portfolio decreased $6.2 million, or 100.0%, from $6.2 million at December 31, 2022 due to the redemption of marketable equity securities during the nine months ended September 30, 2023. The decrease in the AFS and HTM securities portfolios was primarily due to amortization and payoffs recorded during the nine months ended September 30, 2023.

 

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At September 30, 2023, the Company reported unrealized losses on the AFS securities portfolio of $38.5 million, or 22.7% of the amortized cost basis of the AFS securities portfolio, compared to unrealized losses of $32.2 million, or 18.0% of the amortized cost basis of the AFS securities at December 31, 2022. At September 30, 2023, the Company reported unrealized losses on the HTM securities portfolio of $48.2 million, or 21.4%, of the amortized cost basis of the HTM securities portfolio, compared to $39.2 million, or 17.0% of the amortized cost basis of the HTM securities portfolio at December 31, 2022.

 

The securities in which the Company may invest are limited by regulation. Federally chartered savings banks have authority to invest in various types of assets, including U.S. Treasury obligations, securities of various government-sponsored enterprises, mortgage-backed securities, certain certificates of deposit of insured financial institutions, repurchase agreements, overnight and short-term loans to other banks, corporate debt instruments and marketable equity securities. The securities, with the exception of $6.8 million in corporate bonds, are issued by the United States government or government-sponsored enterprises and are therefore either explicitly or implicitly guaranteed as to the timely payment of contractual principal and interest. These positions are deemed to have no credit impairment, therefore, the disclosed unrealized losses with the securities portfolio relate primarily to changes in prevailing interest rates. In all cases, price improvement in future periods will be realized as the issuances approach maturity.

 

Management regularly reviews the portfolio for securities in an unrealized loss position. At September 30, 2023 and December 31, 2022, the Company did not record any impairment charges on its securities portfolio and attributed the unrealized losses primarily due to fluctuations in general interest rates or changes in expected prepayments and not due to credit quality. The primary objective of the Company’s investment portfolio is to provide liquidity and to secure municipal deposit accounts while preserving the safety of principal. The Company expects to strategically redeploy available cash flows from the securities portfolio to fund loan growth and deposit outflows.

 

At September 30, 2023, total loans increased $23.4 million, or 1.2%, to $2.0 billion from December 31, 2022. Residential real estate loans, including home equity loans, increased $18.7 million, or 2.7%, commercial real estate loans increased $11.0 million, or 1.0%, and commercial and industrial loans decreased $7.3 million, or 3.3%. All loans where the payments are 90 days or more in arrears as of the closing date of each month are placed on nonaccrual status. If all nonaccrual loans had been performing in accordance with their terms, we would have earned additional interest income of $356,000 and $147,000 for the nine months ended September 30, 2023 and 2022, respectively.

 

Total delinquency was 0.28% of total loans at September 30, 2023, compared to 0.22% of total loans at December 31, 2022. At September 30, 2023, nonperforming loans totaled $6.3 million, or 0.31% of total loans, compared to $5.7 million, or 0.29% of total loans, at December 31, 2022. At September 30, 2023, there were no loans 90 or more days past due and still accruing interest. Nonperforming assets to total assets was 0.24% at September 30, 2023 and 0.22% at December 31, 2022. At September 30, 2023 and at December 31, 2022, the Company did not have any other real estate owned. The allowance for credit losses as a percentage of total loans was 0.99% at September 30, 2023, compared to 1.00% at December 31, 2022. At September 30, 2023, the allowance for credit losses as a percentage of nonperforming loans was 317.6%, compared to 350.0% at December 31, 2022. Total classified loans, defined as special mention and substandard loans, decreased $18.4 million, or 28.7%, from $64.0 million, or 3.2% of total loans, at December 31, 2022 to $45.6 million, or 2.3%, of total loans at September 30, 2023. Management continues to remain attentive to any signs of deterioration in borrowers’ financial conditions and is proactive in taking the appropriate steps to mitigate risk. A summary of our past due and nonaccrual loans by class is listed in Note 5 of the accompanying unaudited consolidated financial statements.

 

Total deposits decreased $53.1 million, or 2.4%, from December 31, 2022, to $2.2 billion at September 30, 2023, due to industry-wide pressures and a competitive market for deposits but increased $18.3 million, or 0.9%, from June 30, 2023. Core deposits, which the Company defines as all deposits except time deposits, decreased $224.0 million, or 12.3%, from $1.8 billion, or 81.5% of total deposits, at December 31, 2022, to $1.6 billion, or 73.2% of total deposits, at September 30, 2023. Money market accounts decreased $146.2 million, or 18.2%, to $654.9 million, non-interest-bearing deposits decreased $51.9 million, or 8.0%, to $593.6 million, savings accounts decreased $30.1 million, or 13.5%, to $192.3 million and interest-bearing checking accounts increased $4.2 million, or 2.8%, to $152.9 million. Time deposits increased $170.9 million, or 41.5%, from $411.7 million at December 31, 2022 to $582.6 million at September 30, 2023. Brokered time deposits, which are included in time deposits, totaled $1.7 million at September 30, 2023. The Company did not have any brokered deposits at December 31, 2022.

 

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The table below is a summary of our deposit balances for the periods noted:

 

   September 30, 2023   June 30, 2023   March 31, 2023   December 31, 2022 
   (Dollars in thousands) 
Core Deposits:                    
Demand accounts  $593,601   $584,511   $625,656   $645,571 
Interest bearing accounts   152,886    162,823    133,727    148,670 
Savings accounts   192,321    203,376    218,800    222,436 
Money market accounts   654,909    672,483    721,219    801,076 
Total Core Deposits  $1,593,717   $1,623,193   $1,699,402   $1,817,753 
                     
Time Deposits:                    
Time deposits less than $250,000  $384,472   $338,667   $300,907   $279,953 
Time deposits of $250,000 or more   198,114    196,114    156,819    131,737 
Total Time Deposits:   582,586    534,781    457,726    411,690 
Total Deposits:  $2,176,303   $2,157,974   $2,157,128   $2,229,443 

 

During the nine months ended September 30, 2023, the Company experienced a higher level of competition not only from local competitors but also from money market funds and Treasury notes that were offering higher returns. In addition, the Company also saw an unfavorable shift in deposit mix from low cost core deposits to high cost time deposits as customers migrated to higher yields.

 

The Company continues to focus on the maintenance, development, and expansion of its core deposit base to meet funding requirements and liquidity needs, with an emphasis to retain a long-term customer relationship base and to efficiently compete for and retain deposits in our local market. At September 30, 2023, the Bank’s uninsured deposits represented 28.3% of total deposits, compared to 30.8% at December 31, 2022.

 

At September 30, 2023, total borrowings increased $87.6 million, or 140.8%, from $62.2 million at December 31, 2022 to $149.8 million. Short-term borrowings decreased $32.5 million, or 78.5%, to $8.9 million, compared to $41.4 million at December 31, 2022. Long-term borrowings increased $120.0 million, from $1.2 million at December 31, 2022, to $121.2 million at September 30, 2023, to replace deposit attrition. Long-term borrowings consisted of $31.2 million outstanding with the FHLB and $90.0 million outstanding under the BTFP. At September 30, 2023, borrowings also consisted of $19.7 million in fixed-to-floating rate subordinated notes.

 

The Company’s liquidity position remains strong with solid core deposit relationships, cash, unencumbered securities and access to diversified borrowing sources. During the nine months ended September 30, 2023, the Company participated in the BTFP, made available by the Federal Reserve in March of this year, which enabled the Company to pay off higher rate FHLB advances. With the BTFP, the Company has the ability to pay off the BTFP advance prior to maturity without incurring a penalty or termination fee. The Company advanced $90.0 million under the BTFP during the nine months ended September 30, 2023 and had $25.3 million in availability under the BTFP as of September 30, 2023.

 

At September 30, 2023, the Company had available borrowing capacity with the FHLB of $551.6 million, including its overnight Ideal Way Line of Credit. In addition, at September 30, 2023, the Company had available borrowing capacity of $48.4 million from the Federal Reserve Discount Window, with no outstanding borrowings. At September 30, 2023, the Company also had available borrowing capacity of $25.0 million from two unsecured credit lines with correspondent banks, with no outstanding borrowings. At September 30, 2023, the Company has $650.3 million in total available borrowing capacity.

 

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During the nine months ended September 30, 2023, the Company executed a $200 million fair value hedge on fixed-rate assets with maturities up to 18 months, where the Company exchanged, or swapped, fixed rate payments for floating rate payments. The Company’s hedging program aims to reduce the Company’s sensitivity to interest rates by locking in a spread.

 

At September 30, 2023, shareholders’ equity was $230.9 million, or 8.9% of total assets, compared to $228.1 million, or 8.9% of total assets, at December 31, 2022. The increase was primarily attributable to net income of $12.6 million, partially offset by an increase in accumulated other comprehensive loss of $3.6 million, $3.1 million for the repurchase of common stock and cash dividends paid of $4.6 million. At September 30, 2023, total shares outstanding were 21,927,242.

 

The Company’s regulatory capital ratios continue to be strong and in excess of regulatory minimum requirements to be considered well-capitalized as defined by regulators and internal Company targets. Total Risk-Based Capital Ratio at September 30, 2023 was 14.4%, compared to 14.2% at December 31, 2022.  The Bank’s Tier 1 Leverage Ratio to adjusted average assets was 9.69% at September 30, 2023 and 9.49% at December 31, 2022. The Bank’s tangible common equity (“TCE”) to tangible assets ratio, a non-GAAP financial measure, was 8.58% at September 30, 2023, compared to 8.52% at December 31, 2022.  Fluctuations in the TCE ratio were driven by the changes in the unrealized loss on available-for-sale securities. TCE is a non-GAAP measure. See “Explanation of Use of Non-GAAP Financial Measurements” for the related ratio calculation and a reconciliation of GAAP to non-GAAP financial measures.

 

COMPARISON OF OPERATING RESULTS FOR THE THREE MONTHS ENDED SEPTEMBER 30, 2023 AND SEPTEMBER 30, 2022

 

General.

 

The Company reported net income of $4.5 million, or $0.21 per diluted share, for the three months ended September 30, 2023, compared to net income of $6.0 million, or $0.28 per diluted share, for the three months ended September 30, 2022. Return on average assets and return on average equity were 0.70% and 7.60%, respectively, for the three months ended September 30, 2023, compared to 0.93% and 10.90%, respectively, for the three months ended September 30, 2022.

 

Net Interest and Dividend Income.

 

The following tables set forth the information relating to our average balance and net interest income for the three months ended September 30, 2023 and 2022, and reflect the average yield on interest-earning assets and average cost of interest-bearing liabilities for the periods indicated. Yields and costs are derived by dividing interest income by the average balance of interest-earning assets and interest expense by the average balance of interest-bearing liabilities for the periods shown. The interest rate spread is the difference between the total average yield on interest-earning assets and the cost of interest-bearing liabilities. Net interest margin represents tax-equivalent net interest and dividend income as a percentage of average interest-earning assets. Average balances are derived from actual daily balances over the periods indicated. Interest income includes fees earned when the real estate loans are prepaid or refinanced. For analytical purposes, the interest earned on tax-exempt assets is adjusted to a tax-equivalent basis to recognize the income tax savings which facilitates comparison between taxable and tax-exempt assets.

 

41 

 

   Three Months Ended September 30, 
   2023   2022 
   Average       Average Yield/   Average       Average Yield/ 
   Balance   Interest   Cost(8)   Balance   Interest   Cost(8) 
   (Dollars in thousands) 
ASSETS:                        
Interest-earning assets                              
Loans(1)(2)  $2,007,267   $23,568    4.66%  $1,973,580   $19,665    3.95%
Securities(2)   361,216    2,033    2.23    404,005    2,105    2.07 
Other investments - at cost   12,155    166    5.42    10,037    47    1.86 
Short-term investments(3)   22,349    251    4.46    13,911    60    1.71 
Total interest-earning assets   2,402,987    26,018    4.30    2,401,533    21,877    3.61 
Total non-interest-earning assets   156,503              154,955           
Total assets  $2,559,490             $2,556,488           
                               
LIABILITIES AND EQUITY:                              
Interest-bearing liabilities                              
Interest-bearing checking accounts  $144,792   $269    0.74%  $139,678   $123    0.35%
Savings accounts   195,020    41    0.08    224,112    38    0.07 
Money market accounts   656,066    2,488    1.50    911,282    743    0.32 
Time deposit accounts   563,135    4,906    3.46    339,614    260    0.30 
Total interest-bearing deposits   1,559,013    7,704    1.96    1,614,686    1,164    0.29 
Short-term borrowings and long-term debt   149,507    1,814    4.81    29,076    302    4.12 
Interest-bearing liabilities   1,708,520    9,518    2.21    1,643,762    1,466    0.35 
Non-interest-bearing deposits   591,933              658,853           
Other non-interest-bearing liabilities   24,504              35,558           
Total non-interest-bearing liabilities   616,437              694,411           
                               
Total liabilities   2,324,957              2,338,173           
Total equity   234,533              218,315           
Total liabilities and equity  $2,559,490             $2,556,488           
Less: Tax-equivalent adjustment(2)        (117)             (123)     
Net interest and dividend income       $16,383             $20,288      
Net interest rate spread(4)             2.07%             3.24%
Net interest rate spread, on a tax equivalent basis(5)             2.09%             3.26%
Net interest margin(6)             2.70%             3.35%
Net interest margin, on a tax equivalent basis(7)             2.72%             3.37%
Ratio of average interest-earning                              
assets to average interest-bearing liabilities             140.65%             146.10 

 

 

(1)Loans, including nonaccrual loans, are net of deferred loan origination costs and unadvanced funds.
(2)Loan and securities income are presented on a tax-equivalent basis using a tax rate of 21%. The tax-equivalent adjustment is deducted from tax-equivalent net interest and dividend income to agree to the amount reported on the consolidated statements of net income.
(3)Short-term investments include federal funds sold.
(4)Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average cost of interest-bearing liabilities.
(5)Net interest rate spread, on a tax-equivalent basis, represents the difference between the tax-equivalent weighted average yield on interest-earning assets and the tax-equivalent weighted average cost of interest-bearing liabilities. See “Explanation of Use of Non-GAAP Financial Measurements.”
(6)Net interest margin represents net interest and dividend income as a percentage of average interest-earning assets.
(7)Net interest margin, on a tax-equivalent basis, represents tax-equivalent net interest and dividend income as a percentage of average interest-earning assets. See “Explanation of Use of Non-GAAP Financial Measurements.”
(8)Annualized.

 

42 

 

 

Rate/Volume Analysis.

 

The following table shows how changes in interest rates and changes in the volume of interest-earning assets and interest-bearing liabilities have affected our interest and dividend income and interest expense during the periods indicated. Information is provided in each category with respect to: (1) interest income changes attributable to changes in volume (changes in volume multiplied by prior rate); (2) interest income changes attributable to changes in rate (changes in rate multiplied by prior volume); and (3) the net change.

 

The changes attributable to the combined impact of volume and rate have been allocated proportionately to the changes due to volume and the changes due to rate.

 

   Three Months Ended September 30, 2023 compared to
Three Months Ended September 30, 2022		 
   Increase (Decrease) Due to     
   Volume   Rate   Net 
Interest-earning assets  (In thousands) 
Loans(1)  $336   $3,567   $3,903 
Securities(1)   (223)   151    (72)
Other investments - at cost   10    109    119 
Short-term investments   36    155    191 
Total interest-earning assets   159    3,982    4,141 
                
Interest-bearing liabilities               
Interest-bearing checking accounts   5    141    146 
Savings accounts   (5)   8    3 
Money market accounts   (208)   1,953    1,745 
Time deposit accounts   171    4,475    4,646 
Short-term borrowings and long-term debt   1,251    261    1,512 
Total interest-bearing liabilities   1,214    6,838    8,052 
Change in net interest and dividend income(1)  $(1,055)  $(2,856)  $(3,911)

 

 

 

(1)Securities, loan income and change in net interest and dividend income are presented on a tax-equivalent basis using a tax rate of 21%. The tax-equivalent adjustment is deducted from tax-equivalent net interest income to agree to the amount reported in the consolidated statements of net income. See “Explanation of Use of Non-GAAP Financial Measurements.”

 

Net interest income decreased $3.9 million, or 19.2%, to $16.4 million, for the three months ended September 30, 2023, from $20.3 million for the three months ended September 30, 2022. The decrease in net interest income was due to an increase in interest expense of $8.1 million, or 549.2%, partially offset by an increase in interest and dividend income of $4.1 million, or 19.1%. Interest expense on deposits increased $6.5 million and interest expense on borrowings increased $1.5 million. The increase in interest expense was a result of competitive pricing on deposits due to the continued higher interest rate environment and the unfavorable shift in the deposit mix from low cost core deposits to high cost time deposits.

 

The net interest margin was 2.70% for the three months ended September 30, 2023, compared to 3.35% for the three months ended September 30, 2022. The net interest margin, on a tax-equivalent basis, was 2.72% for the three months ended September 30, 2023, compared to 3.37% for the three months ended September 30, 2022. The decrease in the net interest margin was primarily due to an increase in the average cost of interest-bearing liabilities and the unfavorable shift in the deposit mix from low cost core deposits to high cost time deposits, which was partially offset with an increase in the average yield on interest-earning assets.

 

The average yield on interest-earning assets, without the impact of tax-equivalent adjustments, was 4.28% for the three months ended September 30, 2023, compared to 3.59% for the three months ended September 30, 2022. The average loan yield, without the impact of tax-equivalent adjustments, was 4.64% for the three months ended September 30, 2023, compared to 3.93% for the three months ended September 30, 2022. During the three months ended September 30, 2023, average interest-earning assets increased $1.5 million, or 0.1%, to $2.4 billion primarily due to an increase in average loans of $33.7 million, or 1.7%, an increase in average other investments of $2.1 million, or 21.1%, and an increase in average short-term investments, consisting of cash and cash equivalents, of $8.4 million, or 60.7%, partially offset by a decrease in average securities of $42.8 million, or 10.6%.

 

43 

 

 

The average cost of total funds, including non-interest bearing accounts and borrowings, increased 139 basis points from 0.25% for the three months ended September 30, 2022 to 1.64% for the three months ended September 30, 2023. The average cost of core deposits, which the Company defines as all deposits except time deposits, increased 51 basis points to 0.70% for the three months ended September 30, 2023, from 0.19% for the three months ended September 30, 2022. The average cost of time deposits increased 316 basis points from 0.30% for the three months ended September 30, 2022 to 3.46% for the three months ended September 30, 2023. The average cost of borrowings, including subordinated debt, increased 69 basis points from 4.12% for the three months ended September 30, 2022 to 4.81% for the three months ended September 30, 2023. Average demand deposits, an interest-free source of funds, decreased $67.0 million, or 10.2%, from $658.9 million, or 29.0% of total average deposits, for the three months ended September 30, 2022, to $591.9 million, or 27.5% of total average deposits, for the three months ended September 30, 2023.

 

Provision for Credit Losses.

 

The provision for credit losses is reviewed by management based upon our evaluation of economic and business conditions affecting our key lending areas and other conditions, such as new loan products, credit quality trends (including trends in nonperforming loans expected to result from existing conditions), collateral values, loan volumes and concentrations, specific industry conditions using reasonable and supportable forecasts and the impact that such conditions were believed to have had on the collectability of the loan portfolio.

 

During the three months ended September, 30, 2023, the Company recorded a provision for credit losses of $354,000, under the CECL model, compared to a provision for credit losses of $675,000 during the three months ended September 30, 2022, under the incurred loss model. The decrease was primarily due to changes in the economic environment and related adjustments to the quantitative components of the CECL methodology. The provision for credit losses was determined by a number of factors: the continued strong credit performance of the Company’s loan portfolio, changes in the loan portfolio mix and Management’s consideration of existing economic conditions and the economic outlook from the Federal Reserve’s actions to control inflation. Management continues to monitor macroeconomic variables related to increasing interest rates, inflation and the concerns of an economic downturn, and believes it is appropriately provisioned for the current economic environment and supportable forecast period.

 

The Company recorded net charge-offs of $78,000 for the three months ended September 30, 2023, as compared to net charge-offs of $27,000 for the three months ended September 30, 2022.

 

Although we believe that we have established and maintained the allowance for credit losses at adequate levels, future adjustments may be necessary if economic, real estate and other conditions differ substantially from the current operating environment. If the high interest rate environment and inflation precipitated by the COVID-19 pandemic has a long-term adverse effect on the ability of our borrowers to satisfy their obligations to us, the demand for our loans or our other products and services, other aspects of our business operations, or on financial markets, real estate markets, or economic growth, this could, depending on the extent of the loan defaults, materially and adversely affect our liquidity and financial condition and our results of operations could be materially and adversely affected.

 

44 

 

 

Non-interest Income.

 

Non-interest income increased $1.0 million, or 39.5%, to $3.6 million for the three months ended September 30, 2023, from $2.6 million for the three months ended September 30, 2022. During the three months ended September 30, 2023, the Company recorded a non-taxable gain of $778,000 in BOLI death benefits. Service charges and fees decreased $78,000, or 3.5%, from the three months ended September 30, 2022 to $2.1 million for the three months ended September 30, 2023, primarily due to changes in the Company’s overdraft program that were implemented in the first quarter of 2023. Income from BOLI increased $63,000, or 16.1%, for the three months ended September 30, 2022 to $454,000 for the three months ended September 30, 2023. During the three months ended September 30, 2023, the Company reported a gain of $238,000 on non-marketable equity investments compared to a gain of $211,000 during the three months ended September 30, 2022. During the three months ended September 30, 2022, the Company reported unrealized losses on marketable equity securities of $235,000. During the three months ended September 30, 2023, the Company did not have comparable gains or losses. During the three months ended September 30, 2023, the Company reported a loss on the disposal of premises and equipment of $3,000. The Company did not have a comparable gain or loss during the same period in 2022.

 

Non-interest Expense.

 

For the three months ended September 30, 2023, non-interest expense decreased $225,000, or 1.6%, to $14.1 million from $14.3 million for the three months ended September 30, 2022. The decrease in non-interest expense was due to a decrease in professional fees of $160,000, or 19.9%, a decrease in salaries and benefits of $70,000, or 0.9%, a decrease in occupancy expense of $67,000, or 5.5%, a decrease in advertising expense of $57,000, or 13.6%, and a decrease in other non-interest expense of $73,000, or 3.0%. These decreases were partially offset by an increase in data processing of $117,000, or 16.5%, an increase in FDIC insurance expense of $68,000, or 24.9%, and an increase in furniture and equipment of $17,000, or 3.7%.

 

For the three months ended September 30, 2023, the efficiency ratio was 70.6%, compared to 62.7% for the three months ended September 30, 2022. For the three months ended September 30, 2023, the adjusted efficiency ratio, a non-GAAP financial measure, was 74.4% compared to 62.6% for the three months ended September 30, 2022. The efficiency ratio increase was driven by decreased revenues, defined as net interest income and non-interest income, during the three months ended September 30, 2023 compared to the three months ended September 30, 2022. See “Explanation of Use of Non-GAAP Financial Measurements” for the related efficiency ratio calculation and a reconciliation of GAAP to non-GAAP financial measures.

 

Income Taxes.

 

Income tax expense for the three months ended September 30, 2023 was $1.0 million, representing an effective tax rate of 18.7%, compared to $1.9 million, representing an effective tax rate of 23.7%, for three months ended September 30, 2022. The decrease in the Company’s effective tax rate was primarily due to BOLI death benefits recognized during the three months ended September 30, 2023.

 

COMPARISON OF OPERATING RESULTS FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2023 AND SEPTEMBER 30, 2022

 

General.

 

For the nine months ended September 30, 2023, the Company reported net income of $12.6 million, or $0.58 per diluted share, compared to $16.9 million, or $0.77 per diluted share, for the nine months ended September 30, 2022. Return on average assets and return on average equity were 0.66% and 7.19% for the nine months ended September 30, 2023, respectively, compared to 0.88% and 10.26% for the nine months ended September 30, 2022, respectively.

 

Net Interest and Dividend Income.

 

The following tables set forth the information relating to our average balance and net interest income for the nine months ended September 30, 2023 and 2022, and reflect the average yield on interest-earning assets and average cost of interest-bearing liabilities for the periods indicated. Yields and costs are derived by dividing interest income by the average balance of interest-earning assets and interest expense by the average balance of interest-bearing liabilities for the periods shown. The interest rate spread is the difference between the total average yield on interest-earning assets and the cost of interest-bearing liabilities. Net interest margin represents tax-equivalent net interest and dividend income as a percentage of average interest-earning assets. Average balances are derived from actual daily balances over the periods indicated. Interest income includes fees earned when the real estate loans are prepaid or refinanced. For analytical purposes, the interest earned on tax-exempt assets is adjusted to a tax-equivalent basis to recognize the income tax savings which facilitates comparison between taxable and tax-exempt assets.

 

45 

 

 

   Nine Months Ended September 30, 
   2023   2022 
   Average       Average
Yield/		   Average       Average
Yield/		 
   Balance   Interest   Cost(8)   Balance   Interest   Cost(8) 
   (Dollars in thousands) 
ASSETS:                        
Interest-earning assets                              
Loans(1)(2)  $2,002,485   $67,586    4.51%  $1,939,593   $56,354    3.88%
Securities(2)   372,623    6,276    2.25    413,818    6,125    1.98 
Other investments - at cost   12,528    418    4.46    10,172    102    1.34 
Short-term investments(3)   12,922    424    4.39    31,804    129    0.54 
Total interest-earning assets   2,400,558    74,704    4.16    2,395,387    62,710    3.50 
Total non-interest-earning assets   154,525              150,885           
Total assets  $2,555,083             $2,546,272           
                               
LIABILITIES AND EQUITY:                              
Interest-bearing liabilities                              
Interest-bearing checking accounts  $142,716    780    0.73   $136,645    324    0.32 
Savings accounts   207,513    142    0.09    222,370    122    0.07 
Money market accounts   711,173    6,813    1.28    900,280    1,812    0.27 
Time deposit accounts   498,193    10,141    2.72    364,506    888    0.33 
Total interest-bearing deposits   1,559,595    17,876    1.53    1,623,801    3,146    0.26 
Short-term borrowings and long-term debt   130,796    4,739    4.84    25,819    819    4.24 
Interest-bearing liabilities   1,690,391    22,615    1.79    1,649,620    3,965    0.32 
Non-interest-bearing deposits   607,338              642,632           
Other non-interest-bearing liabilities   23,886              34,340           
Total non-interest-bearing liabilities   631,224              676,972           
                               
Total liabilities   2,321,615              2,326,592           
Total equity   233,468              219,680           
Total liabilities and equity  $2,555,083             $2,546,272           
Less: Tax-equivalent adjustment(2)        (356)             (367)     
Net interest and dividend income       $51,733             $58,378      
Net interest rate spread(4)             2.35%             3.16%
Net interest rate spread, on a tax equivalent basis(5)             2.37%             3.18%
Net interest margin(6)             2.88%             3.26%
Net interest margin, on a tax equivalent basis(7)             2.90%             3.28%
Ratio of average interest-earning                              
assets to average interest-bearing liabilities             142.01%             145.21%

________________________

(1)Loans, including nonaccrual loans, are net of deferred loan origination costs and unadvanced funds.
(2)Loan and securities income are presented on a tax-equivalent basis using a tax rate of 21%. The tax-equivalent adjustment is deducted from tax-equivalent net interest and dividend income to agree to the amount reported on the consolidated statements of net income.
(3)Short-term investments include federal funds sold.
(4)Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average cost of interest-bearing liabilities.
(5)Net interest rate spread, on a tax-equivalent basis, represents the difference between the tax-equivalent weighted average yield on interest-earning assets and the tax-equivalent weighted average cost of interest-bearing liabilities. See “Explanation of Use of Non-GAAP Financial Measurements.”
(6)Net interest margin represents net interest and dividend income as a percentage of average interest-earning assets.
(7)Net interest margin, on a tax-equivalent basis, represents tax-equivalent net interest and dividend income as a percentage of average interest-earning assets. See “Explanation of Use of Non-GAAP Financial Measurements.”
(8)Annualized.

46 

 

Rate/Volume Analysis.

 

The following table shows how changes in interest rates and changes in the volume of interest-earning assets and interest-bearing liabilities have affected our interest and dividend income and interest expense during the periods indicated. Information is provided in each category with respect to: (1) interest income changes attributable to changes in volume (changes in volume multiplied by prior rate); (2) interest income changes attributable to changes in rate (changes in rate multiplied by prior volume); and (3) the net change.

 

The changes attributable to the combined impact of volume and rate have been allocated proportionately to the changes due to volume and the changes due to rate.

 

  

Nine Months Ended September 30, 2023 compared to

Nine Months Ended September 30, 2022

 
   Increase (Decrease) Due to     
   Volume   Rate   Net 
Interest-earning assets  (In thousands) 
Loans (1)  $1,827   $9,405   $11,232 
Securities (1)   (610)   761    151 
Other investments - at cost   24    292    316 
Short-term investments   (77)   372    295 
Total interest-earning assets   1,164    10,830    11,994 
                
Interest-bearing liabilities               
Interest-bearing checking accounts   14    442    456 
Savings accounts   (8)   28    20 
Money market accounts   (381)   5,382    5,001 
Time deposit accounts   326    8,927    9,253 
Short-term borrowings and long-term debt   3,330    590    3,920 
Total interest-bearing liabilities   3,281    15,369    18,650 
Change in net interest and dividend income  $(2,117)  $(4,539)  $(6,656)

 

 

 

(1)Securities, loan income and change in net interest and dividend income are presented on a tax-equivalent basis using a tax rate of 21%. The tax-equivalent adjustment is deducted from tax-equivalent net interest income to agree to the amount reported in the consolidated statements of net income. See “Explanation of Use of Non-GAAP Financial Measurements.”

 

During the nine months ended September 30, 2023, net interest income decreased $6.7 million, or 11.4%, to $51.7 million, compared to $58.4 million for the nine months ended September 30, 2022. The decrease in net interest income was due to an increase in interest expense of $18.7 million, or 470.4%, partially offset by an increase in interest and dividend income of $12.0 million, or 19.3%. The increase in interest expense was due to an increase in interest expense on deposits of $14.7 million, or 468.2%, and an increase in interest expense on borrowings of $3.9 million, or 478.6%. For the nine months ended September 30, 2023, interest and dividend income included $52,000 in Paycheck Protection Program (“PPP Income”), compared to $710,000 during the nine months ended September 30, 2022.

 

The net interest margin for the nine months ended September 30, 2023 was 2.88% compared to 3.26% during the nine months ended September 30, 2022. The net interest margin, on a tax-equivalent basis, was 2.90% for the nine months ended September 30, 2023, compared to 3.28% for the nine months ended September 30, 2022. The decrease in the net interest margin was primarily due to an increase in the average cost of interest-bearing liabilities and the unfavorable shift in the deposit mix from low cost core to high cost time deposits, which was partially offset with an increase in the average yield on interest-earning assets.

 

The average yield on interest-earning assets, without the impact of tax-equivalent adjustments, was 4.14% for the nine months ended September 30, 2023, compared to 3.48% for the nine months ended September 30, 2022. The average loan yield, without the impact of tax-equivalent adjustments, was 4.49% for the nine months ended September 30, 2023, compared to 3.86% for the nine months ended September 30, 2022. During the nine months ended September 30, 2023, average interest-earning assets increased $5.2 million, or 0.2% to $2.4 billion, primarily due to an increase in average loans of $62.9 million, or 3.2%, and an increase in average other investments of $2.4 million, or 23.2%, partially offset by a decrease in average securities of $41.2 million, or 10.0%, and a decrease in average short-term investments, consisting of cash and cash equivalents, of $18.9 million, or 59.4%.

 

47 

 

 

The average cost of total funds, including non-interest bearing accounts and borrowings, increased 109 basis points from 0.23% for the nine months ended September 30, 2022 to 1.32% for the nine months ended September 30, 2023. The average cost of core deposits, which the Company defines as all deposits except time deposits, increased 46 basis points to 0.62% for the nine months ended September 30, 2023, from 0.16% for the nine months ended September 30, 2022. The average cost of time deposits increased 239 basis points from 0.33% for the nine months ended September 30, 2022 to 2.72% for the nine months ended September 30, 2023. The average cost of borrowings, including subordinated debt, increased 60 basis points from 4.24% for the nine months ended September 30, 2022 to 4.84% for the nine months ended September 30, 2023. Average demand deposits, an interest-free source of funds, decreased $35.3 million, or 5.5%, from $642.6 million, or 28.4% of total average deposits, for the nine months ended September 30, 2022, to $607.3 million, or 28.0% of total average deposits, for the nine months ended September 30, 2023.

 

Provision for Credit Losses.

 

During the nine months ended September 30, 2023, the Company recorded a provision for credit losses of $386,000, under the CECL model, compared to a provision for credit losses of $550,000 during the nine months ended September 30, 2022 under the incurred loss model. The $386,000 provision for credit losses during the nine months ended September 30, 2023 was comprised of a $768,000 provision for loan losses, which was partially offset by a $382,000 reversal of credit losses for unfunded commitments. The increase in loan loss reserves was primarily due to changes in the economic environment and related adjustments to the quantitative components of the CECL methodology. The Company recorded net charge-offs of $1.9 million for the nine months ended September 30, 2023, as compared to net charge-offs of $129,000 for the nine months ended September 30, 2022.

 

Although we believe that we have established and maintained the allowance for credit losses at adequate levels, future adjustments may be necessary if economic, real estate and other conditions differ substantially from the current operating environment. If the high interest rate environment and inflation precipitated by the COVID-19 pandemic has a long-term adverse effect on the ability of our borrowers to satisfy their obligations to us, the demand for our loans or our other products and services, other aspects of our business operations, or on financial markets, real estate markets, or economic growth, this could, depending on the extent of the loan defaults, materially and adversely affect our liquidity and financial condition and our results of operations could be materially and adversely affected.

 

Non-interest Income.

 

For the nine months ended September 30, 2023, non-interest income increased $504,000, or 6.6%, from $7.7 million during the nine months ended September 30, 2022 to $8.2 million. During the nine months ended September 30, 2023, the Company recorded a $1.1 million final termination expense related to the DB Plan termination and also recorded a non-taxable gain of $778,000 on BOLI death benefits. During the same period, service charges and fees decreased $170,000, or 2.5%, primarily due to changes in the Company’s overdraft program that were implemented in 2023 and income from BOLI increased $91,000, or 7.0%. Other income from loan-level swap fees on commercial loans decreased $25,000 for the nine months ended September 30, 2023 compared to the nine months ended September 30, 2022. During the nine months ended September 30, 2023, the Company reported a gain of $590,000 on non-marketable equity investments compared to a gain of $352,000 during the nine months ended September 30, 2022. During the nine months ended September 30, 2022, the Company reported unrealized losses on marketable equity securities of $736,000 and realized losses on the sale of securities of $4,000. The Company did not have comparable investment activity in 2023. During the nine months ended September 30, 2023, the Company reported a loss on the disposal of premises and equipment of $3,000. The Company did not have a comparable gain or loss during the same period in 2022.

 

Non-interest Expense.

 

For the nine months ended September 30, 2023, non-interest expense increased $333,000, or 0.8%, to $43.6 million, compared to $43.2 million for the nine months ended September 30, 2022. The increase in non-interest expense was primarily due to an increase in data processing of $208,000, or 9.6%, and increase in FDIC insurance expense of $190,000, or 24.0%, an increase in professional fees of $104,000, or 5.0%, and an increase in other non-interest expense of $111,000, or 1.6%. These increases were partially offset by a decrease in advertising expense of $112,000, or 9.1%, a decrease in furniture and equipment expense of $87,000, or 5.6%, a decrease in occupancy expense of $56,000, or 1.5%, and decrease in salaries and employee benefits of $25,000, or 0.1%. During the nine months ended September 30, 2023, other non-interest expense included $154,000 in expense related to the DB Plan termination.

 

48 

 

 

For the nine months ended September 30, 2023, the efficiency ratio was 72.7%, compared to 65.5% for the nine months ended September 30, 2022. For the nine months ended September 30, 2023, the adjusted efficiency ratio, a non-GAAP financial measure, was 73.0%, compared to 65.1% for the nine months ended September 30, 2022. The adjusted efficiency ratio is a non-GAAP measure. The adjusted efficiency ratio is a non-GAAP measure. See “Explanation of Use of Non-GAAP Financial Measurements” for the related efficiency ratio calculation and a reconciliation of GAAP to non-GAAP financial measures.

 

Income Taxes.

 

Income tax expense for the nine months ended September 30, 2023 was $3.4 million, representing an effective tax rate of 21.3%, compared to $5.4 million, representing an effective tax rate of 24.3%, for nine months ended September 30, 2022. The decrease in the Company’s effective tax rate was primarily due to BOLI death benefits recognized during the three months ended September 30, 2023.

 

Explanation of Use of Non-GAAP Financial Measurements.

 

We believe that it is common practice in the banking industry to present interest income and related yield information on tax-exempt loans and securities on a tax-equivalent basis, as well as presenting tangible book value per share and adjusted efficiency ratio, and that such information is useful to investors because it facilitates comparisons among financial institutions. However, the adjustment of interest income and yields on tax-exempt loans and securities to a tax-equivalent amount, as well as the presentation of tangible book value per share and adjusted efficiency ratio, may be considered to include financial information that is not in compliance with GAAP. A reconciliation from GAAP to non-GAAP is provided below.

 

   Three Months Ended   Nine Months Ended 
   September 30,
2023		   September 30,
2022		   September 30,
2023		   September 30,
2022		 
   (In thousands) 
                 
Loans (no tax adjustment)  $23,451   $19,543   $67,230   $55,990 
Tax-equivalent adjustment (1)   117    122    356    364 
Loans (tax-equivalent basis)  $23,568   $19,665   $67,586   $56,354 
                     
Securities (no tax adjustment)  $2,033   $2,104   $6,276   $6,122 
Tax-equivalent adjustment (1)   —    1    —    3 
Securities (tax-equivalent basis)  $2,033   $2,105   $6,276   $6,125 
                     
Net interest income (no tax adjustment)  $16,383   $20,288   $51,733   $58,378 
Tax-equivalent adjustment (1)   117    123    356    367 
Net interest income (tax-equivalent basis)  $16,500   $20,411   $52,089   $58,745 

 

 
(1)The tax equivalent adjustment is based upon a 21% tax rate.

 

49 

 

 

   Three Months Ended   Nine Months Ended 
   September 30,
2023		   September 30,
2022		   September 30,
2023		   September 30,
2022		 
   (In thousands) 
                 
Loans (no tax adjustment)   4.64%   3.93%   4.49%   3.86%
Loans (tax-equivalent basis)   4.66%   3.95%   4.51%   3.88%
Securities (no tax adjustment)   2.23%   2.07%   2.25%   1.98%
Securities (tax-equivalent basis)   2.23%   2.07%   2.25%   1.98%
                     
Interest rate spread (no tax adjustment)   2.07%   3.24%   2.35%   3.16%
Net interest margin (no tax adjustment)   2.70%   3.35%   2.88%   3.26%
Net interest margin (tax-equivalent)   2.72%   3.37%   2.90%   3.28%
                     
                     
Net interest income (no tax adjustment)  $16,383   $20,288   $51,733   $58,378 
Less:                    
Purchase accounting adjustments   4    (16)   (53)   87 
Prepayment penalties and fees   14    99    57    147 
PPP Income   12    19    52    710 
Adjusted net interest income (non-GAAP)  $16,353   $20,186   $51,677   $57,434 
                     
Average interest-earning assets  $2,402,987   $2,401,533   $2,400,558   $2,395,387 
Average interest-earnings asset, excluding average PPP loans  $2,401,460   $2,398,998   $2,398,652   $2,388,541 
                     
Adjusted net interest margin, excluding purchase accounting adjustments, PPP Income, prepayment penalties and average PPP loans (non-GAAP)   2.70%   3.34%   2.88%   3.22%
                     
                     
Income Before Income Taxes (GAAP)  $5,523   $7,860   $15,965   $22,275 
Provision for credit losses   354    675    386    550 
PPP income   (12)   (19)   (52)   (710)
Loss on defined benefit plan termination   —    —    1,143    — 
Gain on bank-owned life insurance death benefit   (778)   —    (778)   — 
Income Before Taxes, Provision, PPP Income, Defined Benefit Plan Termination and Bank-Owned Life Insurance Death Benefit (non-GAAP)  $5,087   $8,516   $16,664   $22,115 

 

50 

 

 

   Three Months Ended   Nine Months Ended 
   September 30,
2023		   September 30,
2022		   September 30,
2023		   September 30,
2022		 
   (In thousands) 
                 
Non-interest Expense (GAAP)  $14,118   $14,343   $43,565   $43,232 
                     
Net Interest Income (GAAP)  $16,383   $20,288   $51,733   $58,378 
                     
Non-interest Income (GAAP)  $3,612   $2,590   $8,183   $7,679 
Non-GAAP adjustments:                    
Loss on securities, net   —    —    —    4 
Loss on disposal of premises and equipment   3    —    3    — 
Unrealized loss on marketable equity securities   —    235    —    736 
Loss on defined benefit plan   termination   —    —    1,143    — 
Gain on non-marketable equity investments   (238)   (211)   (590)   (352)
Gain on bank-owned life insurance death benefit   (778)   —    (778)   — 
Non-interest Income for Adjusted Efficiency Ratio (non-GAAP)  $2,599   $2,614   $7,961   $8,067 
Total Revenue for Adjusted Efficiency Ratio (non-GAAP)  $18,982   $22,902   $59,694   $66,445 
                     
Efficiency Ratio (GAAP)   70.61%   62.69%   72.71%   65.45%
Adjusted Efficiency Ratio (Non-interest Expense (GAAP)/Total Revenue for Adjusted Efficiency Ratio (non-GAAP))   74.38%   62.63%   72.98%   65.06%

 

     
   September 30,
2023		   September 30,
2022		 
   (In thousands) 
         
Book Value per Share (GAAP)  $10.53   $9.52 
Non-GAAP adjustments:          
Goodwill   (0.57)   (0.56)
Core deposit intangible   (0.09)   (0.11)
Tangible Book Value per Share (non-GAAP)  $9.87   $8.85 

 

Liquidity and Capital Resources.

 

The term “liquidity” refers to our ability to generate adequate amounts of cash to fund loan originations, loan purchases, deposit withdrawals and operating expenses. Our primary sources of liquidity are deposits, scheduled amortization and prepayments of loan principal and mortgage-backed securities, maturities and calls of investment securities and funds provided by our operations. We can also borrow funds from the FHLB and the FRB based on eligible collateral of loans and securities. Our material cash commitments include funding loan originations, fulfilling contractual obligations with third-party service providers, maintaining operating leases for certain of our Bank properties and satisfying repayment of our long-term debt obligations.

 

Primary Sources of Liquidity

 

At September 30, 2023 and December 31, 2022, the Company’s outstanding borrowings with the FHLB were $31.2 million and $36.2 million, respectively. At September 30, 2023, the Company had $542.0 million in available borrowing capacity with the FHLB. The Company can increase its borrowing capacity with the FHLB by pledging additional investments or loans. At September 30, 2023, the Company had $90.0 million in outstanding borrowings under the FRB’s BTFP, with $25.3 million in additional borrowing capacity.

 

51 

 

 

The Company also has a borrowing relationship with the FRB through its primary credit program offered through its Discount Window with a borrowing capacity up to $48.4 million. In addition, the Company also has an available overnight Ideal Way line of credit with the FHLB of $9.5 million. At September 30, 2023 and at December 31, 2022, the Company did not have any outstanding balances under either of these lines. The Company has agreements with approved brokers-dealers to participate in the brokered deposit market to support liquidity. At September 30, 2023, the Company had $1.7 million in brokered deposits included within time deposits on the balance sheet. At December 31, 2022, the Company did not have any brokered deposits.

 

The Company also has available lines of credit of $15.0 million and $10.0 million with other correspondent banks. Interest rates on these lines are determined and reset on a daily basis by each respective bank. At September 30, 2023 and December 31, 2022, we did not have an outstanding balance under either of these lines of credit. In addition, we may enter into reverse repurchase agreements with approved broker-dealers. Reverse repurchase agreements are agreements that allow us to borrow money using our securities as collateral.

 

We also have outstanding at any time, a significant number of commitments to extend credit and provide financial guarantees to third parties. These arrangements are subject to strict credit control assessments. Guarantees specify limits to our obligations. Because many commitments and almost all guarantees expire without being funded in whole or in part, the contract amounts are not estimates of future cash flows. We are also obligated under agreements with the FHLB to repay borrowed funds, under leases for certain of our branches and equipment and for our core processing agreement.

 

Maturing investment securities are a relatively predictable source of funds. However, deposit flows, calls of securities and prepayments of loans and mortgage-backed securities are strongly influenced by interest rates, general and local economic conditions and competition in the marketplace. These factors reduce the predictability of the timing of these sources of funds.

 

The Company’s primary activities are the origination of commercial real estate loans, commercial and industrial loans and residential real estate loans, as well as and the purchase of mortgage-backed and other investment securities. At September 30, 2023, the Company had approximately $136.7 million in loan commitments and letters of credit to borrowers and approximately $349.4 million in available home equity and other unadvanced lines of credit.

 

Deposit inflows and outflows are affected by the level of interest rates, the products and interest rates offered by competitors and by other factors. At September 30, 2023, time deposit accounts scheduled to mature within one year totaled $567.3 million. Based on the Company’s deposit retention experience and current pricing strategy, we anticipate that a significant portion of these time deposits will remain on deposit. We monitor our liquidity position frequently and anticipate that it will have sufficient funds to meet our current funding commitments for the next 12 months and beyond.

 

At September 30, 2023, the Company and the Bank exceeded each of the applicable regulatory capital requirements (See Note 13, Regulatory Capital, to our consolidated financial statements in our 2022 Annual Report on Form 10-K for further information on our regulatory requirements).

 

Material Cash Commitments

 

The Company entered into a long-term contractual obligation with a vendor for use of its core provider and ancillary services beginning in 2016. Total remaining contractual obligations outstanding with this vendor as of September 30, 2023 were estimated to be $12.0 million, with $5.0 million expected to be paid within one year and the remaining $7.0 million to be paid within the next three years. Further, the Company has operating leases for certain of its banking offices and ATMs. Our leases have remaining lease terms of less than one year to fifteen years, some of which include options to extend the leases for additional five-year terms up to ten years. Undiscounted lease liabilities totaled $10.3 million as of September 30, 2023. Principal payments expected to be made on our lease liabilities during the twelve months ended September 30, 2024 were $1.5 million. The remaining lease liability payments totaled $8.8 million and are expected to be made after September 30, 2024.

 

52 

 

 

In addition, the Company completed an offering of $20 million in aggregate principal amount of its 4.875% fixed-to-floating rate subordinated notes (the “Notes”) to certain qualified institutional buyers in a private placement transaction on April 20, 2021. Unless earlier redeemed, the Notes mature on May 1, 2031. At September 30, 2023, $19.7 million aggregate principle amount of the Notes was outstanding. The Notes will bear interest from the initial issue date to, but excluding, May 1, 2026, or the earlier redemption date, at a fixed rate of 4.875% per annum, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year, beginning August 1, 2021, and from and including May 1, 2026, but excluding the maturity date or earlier redemption date, equal to the benchmark rate, which is the 90-day average secured overnight financing rate, plus 412 basis points, determined on the determination date of the applicable interest period, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year. The Company may also redeem the Notes, in whole or in part, on or after May 1, 2026, and at any time upon the occurrence of certain events, subject in each case to the approval of the Board of Governors of the Federal Reserve.

 

We do not anticipate any material capital expenditures during the calendar year 2023, except in pursuance of the Company’s strategic initiatives. The Company does not have any balloon or other payments due on any long-term obligations or any off-balance sheet items other than the commitments and unused lines of credit noted above.

 

At September 30, 2023, we exceeded each of the applicable regulatory capital requirements. As of September 30, 2023, the most recent notification from the Office of Comptroller of the Currency categorized the Bank as “well-capitalized” under the regulatory framework for prompt corrective action. To be categorized as “well-capitalized,” the Bank must maintain minimum total risk-based, Tier 1 risk-based, Common Equity Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the following table. There are no conditions or events since that notification that management believes would change our category.

 

   Actual   Minimum For Capital Adequacy Purpose   Minimum To Be Well Capitalized 
   Amount   Ratio   Amount   Ratio   Amount   Ratio 
   (Dollars in thousands) 
September 30, 2023                        
Total Capital (to Risk Weighted Assets):                              
Consolidated  $285,780    14.35%  $159,311    8.00%    N/A      N/A  
Bank   269,776    13.56    159,119    8.00   $198,899    10.00%
Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   245,743    12.34    119,483    6.00     N/A      N/A  
Bank   249,441    12.54    119,339    6.00    159,119    8.00 
Common Equity Tier 1 Capital (to Risk Weighted Assets)                              
Consolidated   245,743    12.34    89,612    4.50     N/A      N/A  
Bank   249,441    12.54    89,505    4.50    129,284    6.50 
Tier 1 Leverage Ratio (to Adjusted Average Assets):                              
Consolidated   245,743    9.53    103,115    4.00     N/A      N/A  
Bank   249,441    9.69    102,976    4.00    128,720    5.00 
December 31, 2022                              
Total Capital (to Risk Weighted Assets):                              
Consolidated  $278,729    14.20%  $157,042    8.00%    N/A      N/A  
Bank   264,795    13.50    156,904    8.00   $196,131    10.00 
Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   239,125    12.18    117,781    6.00     N/A      N/A  
Bank   244,864    12.48    117,678    6.00    156,904    8.00 
Common Equity Tier 1 Capital (to Risk Weighted Assets):                              
Consolidated   239,125    12.18    88,336    4.50     N/A      N/A  
Bank   244,864    12.48    88,259    4.50    127,485    6.50 
Tier 1 Leverage Ratio (to Adjusted Average Assets):                              
Consolidated   239,125    9.27    103,229    4.00     N/A      N/A  
Bank   244,864    9.49    103,166    4.00    128,957    5.00 

 

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We also have outstanding, at any time, a significant number of commitments to extend credit and provide financial guarantees to third parties. These arrangements are subject to strict credit control assessments. Guarantees specify limits to our obligations. Because many commitments and almost all guarantees expire without being funded in whole or in part, the contract amounts are not estimates of future cash flows.

 

OFF-BALANCE SHEET ARRANGEMENTS.

 

The Company does not have any off-balance sheet arrangements, other than noted above under Material Cash Commitments, that have or are reasonably likely to have a current or future effect on our financial condition, changes in financial condition, revenues or expenses, results of operations, liquidity, capital expenditures or capital resources that is material to investors.

 

ITEM 3: QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

 

There have been no material changes in our assessment of our sensitivity to market risk since our presentation in our 2022 Annual Report and our update on Form 10-Q for the quarter ended June 30, 2023. Please refer to Item 7A of the 2022 Annual Report for additional information.

 

ITEM 4: CONTROLS AND PROCEDURES

 

Disclosure Controls and Procedures.

 

Management, including our Chief Executive Officer and Chief Financial Officer, has evaluated the effectiveness of our disclosure controls and procedures (as defined in Exchange Act Rules 13a‑15(e) and 15d‑15(e)), as of the end of the period covered by this report. Based upon the evaluation, the Chief Executive Officer and Chief Financial Officer concluded that the disclosure controls and procedures were effective, to ensure that information required to be disclosed in the reports we file and submit under the Securities Exchange Act of 1934, as amended, is (i) recorded, processed, summarized and reported as and when required and (ii) accumulated and communicated to our management, including the Chief Executive Officer and Chief Financial Officer, as appropriate to allow timely discussion regarding required disclosure.

 

Changes in Internal Control Over Financial Reporting.

 

There have been no changes in our internal control over financial reporting identified in connection with the evaluation that occurred during our last fiscal quarter that have materially affected, or that are reasonably likely to materially affect, our internal control over financial reporting.

 

PART II – OTHER INFORMATION

 

ITEM 1.LEGAL PROCEEDINGS.

 

We are subject to claims and legal actions in the ordinary course of business. We believe that all such claims and actions currently pending against us, if any, are either adequately covered by insurance or would not have a material adverse effect on us if decided in a manner unfavorable to us.

 

ITEM 1A.RISK FACTORS.

 

For a summary of risk factors relevant to our operations, see Part 1, Item 1A, “Risk Factors” in our 2022 Annual Report. There are no additional material changes in the risk factors relevant to our operations since December 31, 2022 and our update on Form 10-Q for the quarter ended March 31, 2023.

 

54 

 

 

ITEM 2.UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS.

 

The following table sets forth information with respect to purchases made by us of our common stock during the three months ended September 30, 2023.

 

Period 

Total Number

of Shares
Purchased

   Average
Price Paid
per Share ($)		   Total Number of
Shares
Purchased as
Part of Publicly
Announced
Programs		  

Maximum
Number of Shares

that May Yet Be
Purchased Under
the 2022 Plan (1)

 
July 1 - 31, 2023   —    —    —    806,600 
August 1 - 31, 2023   —    —    —    806,600 
September 1 - 30, 2023   155,161    6.50    155,161    651,439 
Total   155,161    6.50    155,161    651,439 

 

(1)On July 26, 2022, the Board of Directors authorized an additional stock repurchase plan under which the Company may purchase up to 1,100,000 shares of common stock, or 5%, of its outstanding common stock, as of the date the 2022 Plan was adopted.

 

There were no sales by us of unregistered securities during the three months ended September 30, 2023.

 

ITEM 3.DEFAULTS UPON SENIOR SECURITIES.

 

None.

 

ITEM 4.MINE SAFETY DISCLOSURE.

 

Not applicable.

 

ITEM 5.OTHER INFORMATION.

 

None.

 

ITEM 6.EXHIBITS.

 

Exhibit

Number

  

Exhibit Description

3.2   Restated Articles of Organization of Western New England Bancorp, Inc. (incorporated by reference to Exhibit 3.1 of the Form 8-K filed with the SEC on October 26, 2016).
3.3   Amended and Restated Bylaws of Western New England Bancorp, Inc. (incorporated by reference to Exhibit 3.1 of the Form 8-K filed with the SEC on February 2, 2017).
4.1   Form of Stock Certificate of Western New England Bancorp, Inc. (f/k/a Westfield Financial, Inc.) (incorporated by reference to Exhibit 4.1 of the Registration Statement No. 333-137024 on Form S-1 filed with the Securities and Exchange Commission on August 31, 2006).
31.1*   Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
31.2*   Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
32.1*   Certification of Chief Executive Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
32.2*   Certification of Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

 

55 

 

 

101**   Financial statements from the quarterly report on Form 10-Q of Western New England Bancorp, Inc. for the quarter ended September 30, 2023, formatted in Inline XBRL (eXtensible Business Reporting Language): (i) the Consolidated Balance Sheets, (ii) the Consolidated Statements of Net Income, (iii) the Consolidated Statements of Comprehensive Income, (iv) the Consolidated Statements of Shareholders’ Equity, (v) the Consolidated Statements of Cash Flows and (vi) Notes to Consolidated Financial Statements.
104   Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101).

 

 
*Filed herewith.

 

**Pursuant to Rule 406T of Regulation S-T, the Interactive Data Files on Exhibit 101 hereto are deemed not filed or part of a registration statement or prospectus for purposes of Sections 11 or 12 of the Securities Act of 1933, as amended, are deemed not filed for purposes of Section 18 of the Securities and Exchange Act of 1934, as amended, and otherwise are not subject to liability under those sections.

 

56 

 

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized on November 3, 2023.

 

  Western New England Bancorp, Inc.
   
   
  By: /s/ James C. Hagan
    James C. Hagan
    President and Chief Executive Officer
   
   
  By: /s/ Guida R. Sajdak
    Guida R. Sajdak
    Executive Vice President and Chief Financial Officer

  

 

 EX-31.1 2 ex31-1.htm CERTIFICATION OF CHIEF EXECUTIVE OFFICER
 

Western New England Bancorp, Inc. 10-Q

EXHIBIT 31.1

 

CERTIFICATION

 

I, James C. Hagan, certify that:

 

1.I have reviewed this quarterly report on Form 10-Q of Western New England Bancorp, Inc.;

 

2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4.The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 

(a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

(b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

(c)Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

(d)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5.The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 

(a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

(b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date:      November 3, 2023 /s/ James C. Hagan
  James C. Hagan
  President and Chief Executive Officer
  (Principal Executive Officer)

 

 

 EX-31.2 3 ex31-2.htm CERTIFICATION OF CHIEF FINANCIAL OFFICER
 

Western New England Bancorp, Inc. 10-Q

EXHIBIT 31.2

 

CERTIFICATION

 

I, Guida R. Sajdak, certify that:

 

1.I have reviewed this quarterly report on Form 10-Q of Western New England Bancorp, Inc.;

 

2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4.The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the Company and have:

 

(a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

(b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

(c)Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

(d)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5.The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

 

(a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

(b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date:      November 3, 2023 /s/ Guida R. Sajdak
  Guida R. Sajdak
  Chief Financial Officer
  (Principal Financial Officer)

 

 

 EX-32.1 4 ex32-1.htm CERTIFICATION OF CHIEF EXECUTIVE OFFICER
 

Western New England Bancorp, Inc. 10-Q

EXHIBIT 32.1

 

statement furnished pursuant to section 906 of the
sarbanes-oxley act of 2002, 18 u.s.c. section 1350

 

In connection with the Quarterly Report on Form 10-Q of Western New England Bancorp, Inc. (the “Company”) for the quarter ended September 30, 2023, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), James C. Hagan, President and Chief Executive Officer of the Company, hereby certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of my knowledge:

 

A)the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m or 78o(d)), and

 

B)the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of the dates and for the periods covered by the Report.

 

November 3, 2023                  /s/ James C. Hagan
Dated James C. Hagan
  President and Chief Executive Officer

 

 

 EX-32.2 5 ex32-2.htm CERTIFICATION OF CHIEF FINANCIAL OFFICER
 

Western New England Bancorp, Inc. 10-Q

EXHIBIT 32.2

 

statement furnished pursuant to section 906 of the
sarbanes-oxley act of 2002, 18 u.s.c. section 1350

 

In connection with the Quarterly Report on Form 10-Q of Western New England Bancorp, Inc. (the “Company”) for the quarter ended September 30, 2023, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), Guida R. Sajdak, Chief Financial Officer of the Company, hereby certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of my knowledge:

 

A)the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C. 78m or 78o(d)), and

 

B)the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of the dates and for the periods covered by the Report.

 

November 3, 2023                  /s/ Guida R. Sajdak
Dated Guida R. Sajdak
  Chief Financial Officer

 

 

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Block] Statement of Financial Position [Abstract] ASSETS Cash and due from banks Federal funds sold Interest-bearing deposits and other short-term investments Cash and cash equivalents Available-for-sale securities, at fair value Held-to-maturity securities, at amortized cost (Fair value of $176,861 and $190,950 at September 30, 2023 and December 31, 2022, respectively) Marketable equity securities, at fair value Federal Home Loan Bank of Boston stock and other restricted stock, at cost Loans, net of allowance for credit losses of $19,978 at September 30, 2023 and $19,931 at December 31, 2022 Premises and equipment, net Accrued interest receivable Bank-owned life insurance Deferred tax asset, net Goodwill Core deposit intangible Other assets TOTAL ASSETS LIABILITIES AND SHAREHOLDERS' EQUITY LIABILITIES: Deposits: Non-interest-bearing Interest-bearing Total deposits Short-term borrowings Long-term debt Subordinated debt Securities pending settlement Other liabilities  TOTAL LIABILITIES SHAREHOLDERS' EQUITY: Preferred stock - $0.01 par value, 5,000,000 shares authorized, none outstanding at June 30, 2023 and December 31, 2022 Common stock - $0.01 par value, 75,000,000 shares authorized, 21,927,242 shares issued and outstanding at September 30, 2023; 22,216,789 shares issued and outstanding at December 31, 2022 Additional paid-in capital Unearned compensation – Employee Stock Ownership Plan Unearned compensation - Equity Incentive Plan Retained earnings Accumulated other comprehensive loss TOTAL SHAREHOLDERS’ EQUITY TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY Held-to-maturity securities, fair value Loans, allowance for loan losses Preferred stock, par value (in dollars per share) Preferred stock, authorized Preferred stock, outstanding Common stock, par value (in dollars per share) Common stock, authorized Common stock, outstanding Common stock, issued Income Statement [Abstract] Interest and dividend income: Residential and commercial real estate loans Commercial and industrial loans Consumer loans Debt securities, taxable Debt securities, tax-exempt Marketable equity securities Other investments Short-term investments Total interest and dividend income Interest expense: Deposits Short-term borrowings Long-term debt Subordinated debt Total interest expense Net interest and dividend income Provision for credit losses Net interest and dividend income after provision for credit losses Non-interest income: Service charges and fees Income from bank-owned life insurance Loss on available-for-sale securities, net Net unrealized loss on marketable equity securities Loss on disposal of premises and equipment Gain on sale of mortgages Gain on non-marketable equity investments Loss on defined benefit plan termination Gain on bank-owned life insurance death benefit Other income Total non-interest income Non-interest expense: Salaries and employees benefits Occupancy Furniture and equipment Data processing Professional fees FDIC insurance assessment Advertising Other expenses Total non-interest expense Income before income taxes Income tax provision          Net income Earnings per common share: Basic earnings per share Weighted average basic shares outstanding Diluted earnings per share Weighted average diluted shares outstanding Dividends per share Net income Other comprehensive income (loss): Unrealized losses on available-for-sale securities: Unrealized holding losses Reclassification adjustment for net losses realized in income Unrealized losses Tax effect Net-of-tax amount Defined benefit pension plan: Gain arising during the period Reclassification adjustment: Defined benefit plan termination loss realized in income Amortization of defined benefit plan actuarial loss Unrealized actuarial gain on defined benefit plan Tax effect Net-of-tax amount Other comprehensive loss Comprehensive income (loss) Tax effects applicable to net realized losses on available-for-sale securities Income tax effects associated with reclassification adjustment for interest rate swap termination Income tax benefit on termination fee on derivative instruments Statement [Table] Statement [Line Items] Beginning balance, value Beginning balance, shares Cumulative effect accounting adjustment Comprehensive income (loss) Common stock held by ESOP committed to be released Share-based compensation - equity incentive plan Forfeited equity incentive plan shares reissued in connection with 2020 LTI performance share grant (19,761 shares) Forfeited equity incentive plan shares Forfeited equity incentive plan shares reissued (7,289 shares) Common stock repurchased Common stock repurchased (in shares) Issuance of common stock in connection with stock option exercises Issuance of common stock in connection with stock option exercises (in shares) Issuance of common stock in connection with equity incentive plan Issuance of common stock in connection with equity incentive plan (in shares) Forfeited equity incentive plan shares reissued in connection with 2023 LTI grant (2,742 shares) Cash dividends declared and paid on common stock Ending balance, value Ending balance, shares Common stock held by ESOP committed to be released (shares) Forfeited equity incentive plan shares reissued in connection with 2020 LTI performance share grant, shares Forfeited equity incentive plan shares reissued in connection with 2023 LTI grant, shares Forfeited equity incentive plan shares (in shares) Forfeited equity incentive plan shares reissued (shares) Cash dividends declared and paid on common stock (per share) Cumulative effect accounting adjustment, before tax Cumulative effect accounting adjustment, tax Statement of Cash Flows [Abstract] CASH FLOWS FROM OPERATING ACTIVITIES: Adjustments to reconcile net income to net cash provided by operating activities: Depreciation and amortization of premises and equipment Amortization (accretion) of purchase accounting adjustments, net Amortization of core deposit intangible Net amortization of premiums and discounts on securities and mortgage loans Net amortization of deferred costs on mortgage loans Net amortization of premiums on subordinated debt Share-based compensation expense ESOP expense Principal balance of loans originated for sale Principal balance of loans sold Net change in unrealized loss on marketable equity securities Net loss on available-for-sale securities Loss on disposal of premises and equipment Gain on bank-owned life insurance death benefit Income from bank-owned life insurance Net change in: Accrued interest receivable Other assets Other liabilities Net cash provided by operating activities CASH FLOWS FROM INVESTING ACTIVITIES: Purchases of held-to-maturity securities Proceeds from calls, maturities, and principal collections of held-to-maturity securities Purchases of available-for-sale securities Proceeds from redemptions and sales of available-for-sale securities Proceeds from calls, maturities, and principal collections of available-for-sale securities Proceeds from redemption and sales of marketable equity securities Loan originations and principal payments, net Redemption of Federal Home Loan Bank of Boston stock Purchases of premises and equipment Proceeds from sale of premises & equipment Proceeds from payout on bank-owned life insurance Net cash used in investing activities CASH FLOWS FROM FINANCING ACTIVITIES: Net (decrease) increase in deposits Net change in short-term borrowings Repayment of long-term debt Proceeds from issuance of long-term debt Cash dividends paid Common stock repurchased     Issuance of common stock in connection with stock option exercise Net cash provided by financing activities NET CHANGE IN CASH AND CASH EQUIVALENTS: Beginning of period End of period Supplemental cash flow information: Interest paid Taxes paid Net change in cash due to broker Accounting Policies [Abstract] SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Earnings Per Share [Abstract] EARNINGS PER SHARE Equity [Abstract] COMPREHENSIVE INCOME 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and held-to-maturity investment securities at September 30, 2023 and December 31, 2022 are summarized as follows: The following table presents the unrealized losses recognized on marketable equity securities for the periods indicated: The amortized cost and fair value of available-for-sale and held-to-maturity investment securities at September 30, 2023, by final maturity, are shown below Gross realized gains and losses on sales of available-for-sale investment securities for the three and nine months ended September 30, 2023 and 2022 are as follows: Information pertaining to investment securities with gross unrealized losses Major classifications of loans as of the dates indicated were as follows: A summary of the activity in the balances of mortgage servicing rights follows: The following table illustrates the impact of ASC 326: An analysis of changes in the allowance for credit losses by segment for the three and nine months ended September 30, 2023 and the allowance for credit losses for the three and nine months ended September 30, 2022 is as follows: The following tables presents information pertaining to the allowance for credit losses by segment Pre-ASC 326 CECL adoption for the date indicated: The following tables present an age analysis of past due loans as of the dates indicated: The following table presents information regarding nonaccrual loans as of the date indicated: The following table summarizes the Company’s individually evaluated loans The following table details the amortized cost balances of the Company’s loan portfolio presented by risk rating The threshold, target and stretch metrics under the 2020 Incentive Plan are as follows: The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows: The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows: The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows: A summary of the status of restricted stock awards at September 30, 2023 and September 30, 2022 is presented below: The following table provides information regarding net pension benefit costs for the periods shown: As of September 30, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges: The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of September 30, 2023 and December 31, 2022. The table below presents the effect of the Company’s derivative financial instruments on the statements of net income as of September 30, 2023 and September 30, 2022. Assets and liabilities measured at fair value on a recurring basis are summarized below: The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of September 30, 2023 and December 31, 2022: The estimated fair values of our financial instruments are as follows: Number of banking offices in which bank operates Net income applicable to common stock Average number of common shares issued Less: Average unallocated ESOP Shares Less: Average unvested performance-based equity incentive plan shares Average number of common shares outstanding used to calculate basic earnings per common share Effect of dilutive performance-based equity incentive plan Effect of dilutive stock options Average number of common shares outstanding used to calculate diluted earnings per common share Accumulated Other Comprehensive Income (Loss) [Table] Accumulated Other Comprehensive Income (Loss) [Line Items] Accumulated other comprehensive income (loss) before tax Tax effect Accumulated other comprehensive loss Marketable Securities [Table] Marketable Securities [Line Items] Available-for-sale securities, amortized cost Available-for-sale securities, gross unrealized gains Available-for-sale securities, gross unrealized losses Held-to-maturity securities, amortized cost Held-to-maturity securities, gross unrealized gains Held-to-maturity securities, gross unrealized losses Total, amortized cost Total, gross unrealized gains Total, gross unrealized losses Total, fair value Net losses recognized during the period on marketable equity securities Unrealized losses recognized during the period on marketable equity securities still held at end of period Available-for-sale securities, due in one year or less, amortized cost Available-for-sale securities, due in one year or less, fair value Held-to-maturity securities, due in one year or less, amortized cost Held-to-maturity securities, due in one year or less, fair value Available-for-sale securities, due after one year through five years, amortized cost Available-for-sale securities, due after one year through five years, fair value Held-to-maturity securities, due after one year through five years, amortized cost Held-to-maturity securities, due after one year through five years, fair value Available-for-sale securities, due after five years through ten years, amortized cost Available-for-sale securities, due after five years through ten years, fair value Held-to-maturity securities, due after five years through ten years, amortized cost Held-to-maturity securities, due after five years through ten years, fair value Available-for-sale securities, due after ten years, amortized cost Available-for-sale securities, due after ten years, fair value Held-to-maturity securities, due after ten years, amortized cost Held-to-maturity securities, due after ten years, fair value Amortized cost, available for sale Fair value, available for sale Amortized cost, held to maturity Fair value, held to maturity Gross losses realized Net loss realized Available-for-sale, less than 12 months, number of securities Available-for-sale, less than 12 months, fair value Available-for-sale, less than 12 months, gross unrealized loss Available-for-sale, less than 12 months, depreciation from amortized cost basis (%) Available-for-sale, over 12 months, number of securities Available-for-sale, over 12 months, fair value Available-for-sale, over 12 months, gross unrealized loss Available-for-sale, over 12 months, depreciation from amortized cost basis (%) Held-to-maturity, less than 12 months, number of securities Held-to-maturity, less than 12 months, fair value Held-to-maturity, less than 12 months, gross unrealized loss Held-to-maturity, less than 12 months, depreciation from amortized cost basis (%) Held-to-maturity, over 12 months, number of securities Held-to-maturity, over 12 months, fair value Held-to-maturity, over 12 months, gross unrealized loss Held-to-maturity, over 12 months, depreciation from amortized cost basis (%) Total, less than 12 months, number of securities Total, less than 12 months, fair value Total, less than 12 months, gross unrealized loss Total, over 12 months, number of securities Total, over 12 months, fair value Total, over 12 months, gross unrealized loss Proceeds from redemption of marketable equity securities Securities fair value Proceeds from the sales and redemptions of available-for-sale securities Accrued interest receivable on available for sale securities Accrued interest receivable on held-to-maturity securities Number of securities Schedule of Accounts, Notes, Loans and Financing Receivable [Table] Accounts, Notes, Loans and Financing Receivable [Line Items] Total gross loans Unamortized PPP loan fees Unearned premiums and deferred loan fees and costs, net Total loans, net Allowance for credit losses Net loans Balance at the beginning of period: Amortization Balance at the end of period Fair value at the end of period Accounting Standards Update and Change in Accounting Principle [Table] New Accounting Pronouncements or Change in Accounting Principle [Line Items] Loans Allowance for credit losses on loans Deferred tax asset Allowance for credit losses on off-balance sheet exposures Retained earnings, net of tax Financing Receivable, Allowance for Credit Loss [Table] Financing Receivable, Allowance for Credit Loss [Line Items] Beginning balance, allowance for credit losses Provision (reversal) for credit losses Charge-offs Recoveries Ending balance, allowance for credit losses Allowance for credit losses for off-balance sheet exposures Beginning balance Reversal of credit losses Ending balance Provision (credit) Amount of allowance for impaired loans Amount of allowance for non-impaired loans Total allowance for loan losses Impaired loans Non-impaired loans Impaired loans acquired with deteriorated credit quality Total loans Financing Receivable, Past Due [Table] Financing Receivable, Past Due [Line Items] Total loans Non-Accrual Loans Financing Receivable, Nonaccrual, With Allowance Financing Receivable, Nonaccrual, No Allowance Financing Receivable, Nonaccrual Financing Receivable, 90 Days or More Past Due, Still Accruing Accrued Interest Receivable Reversed from Income Loans with no related allowance recorded, recorded investment Loans with an allowance recorded, recorded investment Loans with an allowance recorded, related allowance Total individually evaluated loans, recorded investment Impaired loans, recorded investment Impaired loans, unpaid principal balance Impaired loans, average recorded investment Impaired loans, interest income recognized Financing Receivable, Credit Quality Indicator [Table] Financing Receivable, Credit Quality Indicator [Line Items] 2023 2022 2021 2020 2019 Prior Revolving Loans Revolving Loans Converted to Term Loans Current period gross charge-offs, 2022 Current period gross charge-offs, Prior Current period gross charge-offs, Revolving Loans Current period gross charge-offs, Revolving Loans Converted to Term Loans Current period gross charge-offs Serviced commercial loans for participants Weighted average prepayment speed, PSA Weighted average internal rate of return Weighted average servicing fee percentage Net cost to service loans Sale of residential real estate mortgages Mortgage loans serviced for others Servicing fee income Retained earnings, net of tax Cumulative effect of ASU 2016-13 Deferred tax asset Allowance for credit losses on loans Allowance for credit losses on off-balance sheet exposures Accrued interest receivable First mortgages maximum loan-to-value percentage, owner-occupied homes First mortgages maximum loan-to-value percentage, second homes First mortgages maximum loan-to-value percentage, investment properties Loan-to-value ratio requiring private mortgage insurance Residential equity loans and lines maximum percentage of appraised value underwritten Provision for loan losses Reversal for credit losses for off-balance sheet exposures Decrease in unfunded commitments Percentage of decrease in off-balance sheet exposure Total past due, percentage of total loans Nonaccrual loans Nonaccrual loans, percentage of total loans Individually evaluated loans Schedule of Finite-Lived Intangible Assets [Table] Finite-Lived Intangible Assets [Line Items] Acquired core deposit intangible Amortization period of core deposit intangible Future amortization of core deposit intangible assets years 1-5 Future amortization of core deposit intangible assets thereafter Schedule of Share-Based Compensation Arrangements by Share-Based Payment Award [Table] Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items] December 31, 2020 December 31, 2021 December 31, 2022 Three-year Cumulative Diluted Earnings Per Share December 31, 2021 December 31, 2022 December 31, 2023 Three-year Cumulative Diluted Earnings Per Share December 31, 2022 December 31, 2023 December 31, 2024 Three-year Cumulative Diluted Earnings Per Share December 31, 2023 December 31, 2024 December 31, 2025 Three-year Cumulative Diluted Earnings Per Share Beginning balance Beginning balance Shares granted Shares granted Shares forfeited Shares forfeited Shares vested Shares vested Ending balance Ending balance Shares authorized Vesting period Vesting percentage Percent of awards participants may earn Performance period earned Performance based shares eligible for vest Shares available for grant Restricted stock expense Schedule of Long-Term Debt Instruments [Table] Debt Instrument [Line Items] Other borrowings Weighted average rate for other borrowings Short term borrowings Weighted average rate for short term debt Borrowing capacity Line of credit available Long-term Debt Weighted average fixed rate Principal amount Interest rate Principal amount outstanding Maturity Date Earliest redemption date Benchmark rate Interest rate basis spread Issuance costs Amortization of subordinated debt issuance costs Service cost Interest cost Expected return on assets Amortization of actuarial loss Net periodic pension cost Schedule of Defined Benefit Plans Disclosures [Table] Defined Benefit Plan Disclosure [Line Items] Net unrealized losses reversed Gain on defined benefit plan curtailment Additional cash contribution Premium to purchase annuity contracts Defined benefit plan settlemet expense Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table] Derivatives, Fair Value [Line Items] Carrying Amount of Hedged Assets/(Liabilities) Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities) Derivative [Table] Derivative [Line Items] Fair value of derivative assets Fair value of derivative liability Derivative Asset, Statement of Financial Position [Extensible Enumeration] Derivative Liability, Statement of Financial Position [Extensible Enumeration] Derivative Instruments, Gain (Loss) [Table] Derivative Instruments, Gain (Loss) [Line Items] Total amounts of income line items presented in the statements of net income in which the effects of fair value hedges are recorded Hedged items Derivatives designated as hedging instruments Amortized cost basis of closed portfolios Cumulative basis adjustments Notional amount Remaining maturity Average fixed rate Fair Value, Recurring and Nonrecurring [Table] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Assets: Available-for-sale securities Marketable equity securities Interest rate swaps Total assets Liabilities: Interest rate swaps Impaired Loans Total losses Fair Value, by Balance Sheet Grouping [Table] Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] Cash and cash equivalents Securities held-to-maturity Securities available-for-sale Federal Home Loan Bank of Boston and other restricted stock Loans - net Accrued interest receivable Mortgage servicing rights Derivative asset Deposits Short-term borrowings Long-term debt Subordinated debt Accrued interest payable Derivative liabilities Average number of basic shares determined by relating the portion of time within a reporting period that common shares have been outstanding to the total time in that period. Average number of shares outstanding that are used in calculating diluted EPS determined based on the timing of issuance of shares or units in the period. Correspondent Banks. Sector of the economy consisting of companies engaged in commercial and industrial business activities. Represents the information pertaining to employee stock ownership plan ESOP plan. Fair value of an mortgage servicing rights representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements. Amount of amortization expense for assets, excluding financial assets and goodwill, lacking physical substance with a finite life expected to be recognized for each of the next five years. Interest income on federal funds sold. Federal funds sold represent the excess federal funds held by one commercial bank which it lends to another commercial bank, usually at an agreed-upon (federal funds) rate of interest. Such loans are made for legal reserve requirement purposes of the borrowing bank and generally are of short-duration (overnight). Also include interest income on other investments not otherwise specified in the taxonomy that will be realized in a short period of time, usually less than one year or the normal operating cycle, whichever is longer. Fair value of accrued interest payable. Name of the equity-based compensation arrangement plan. Third party mortgage loans serviced at period end. It represents cost to service loans. Number of branches the bank operates by location. Represents the pass. Cash outflow (inflow) related to loan originations and principal payments, net. Percent of performance stock awards participants will be able to earn during the fourth performance year. Schedule of information related to the allowance for loan losses by segment. Commercial loans serviced for participants at period end. Represents the special member. Represents the state and municipal bonds. It represents stretch member. Represents the substandard. It represents target member. Three-year cumulative earnings per share diluted. It represents threshold member. Represents the time based. Information related to unallocaetd. Weighted average prepayment speed, Public Securities Association Standard Prepayment Model. Accretion of purchase accounting adjustments net. Government Sponsored Enterprise Obligations Available for sale securities continuous unrealized loss position twelve months or longer depreciation from amortized cost percentage. FRB Discount Window Percent of performance stock awards participants will be able to earn during the fifth performance year. Gain (loss) on non-marketable equity investments. Number of investments in debt securities measured at amortized cost (held-to-maturity), in continuous unrealized loss position for less than 12 months. Number of investments in debt securities measured at amortized cost (held-to-maturity), in continuous unrealized loss position for 12 months or longer. Held to maturity securities continuous unrealized loss position less than twelve months depreciation from amortized cost percentage. Held to maturity securities continuous unrealized loss position twelve months or longer depreciation from amortized cost percentage. Number of investments in debt securities measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and debt securities measured at amortized cost (held-to-maturity), in continuous unrealized loss position for less than 12 months. Amount of investment in available-for-sale and held-to-maturity debt securities in continuous unrealized loss position for less than 12 months. Amount of accumulated unrealized loss on investment in avilable-for-sale and held-to-maturity debt securities in continuous unrealized loss position for less than 12 months. Number of investments in debt securities measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and debt securities measured at amortized cost (held-to-maturity), in continuous unrealized loss position 12 months or longer. Amount of investment in available-for-sale and held-to-maturity debt securities in continuous unrealized loss position 12 months or longer. Amount of accumulated unrealized loss on investment in avilable-for-sale and held-to-maturity debt securities in continuous unrealized loss position for 12 months or longer. Value of forfeited equity incentive plan shares reissued during the period. Number of forfeited equity incentive plan shares reissued during the period. Government-sponsored mortgage-backed securities. U.S. government guaranteed mortgage-backed securities. The amount refers to service charges and fees. Available for sale securities continuous unrealized loss position less than twelve months depreciation from amortized cost percentage. Name of the equity-based compensation arrangement plan. Percent Of Awards Participants May Earn. Servicing fee income. The minimum loan-to-value ratio at loan origination requiring private mortgage insurance. Bank Schedule of original and adjusted threshold and target metrics under the LTI Plans. Schedule of original and adjusted threshold and target metrics under the LTI Plans. Commercial and Industrial Paycheck Protection Program 2021 RSA Plan Corporate Bonds It represents the percentage of weighted average internal rate of return. It represents the percentage of weighted average servicing fee. Amount of residential real estate mortgages sold during the period. Schedule of original and adjusted threshold and target metrics under the LTI Plans. Name of the equity-based compensation arrangement plan. Percent of performance stock awards participants will be able to earn during the sixth performance year. Percent of performance stock awards participants will be able to earn during the seventh performance year. Percent of performance stock awards participants will be able to earn during the eighth performance year. Percent of performance stock awards participants will be able to earn during the ninth performance year. Three-year cumulative earnings per share diluted. Percent of performance stock awards participants will be able to earn during the tenth performance year. Percent of performance stock awards participants will be able to earn during the eleventh performance year. Percent of performance stock awards participants will be able to earn during the twelfth performance year. Three-year cumulative earnings per share diluted. Maximum percentage of appraised value of property underwritten by residential equity loans and lines. Fair value of subordinated debt. Maximum loan-to-value percentage for first mortgages on owner-occupied homes. Maximum loan-to-value percentage for first mortgages on second homes. Maximum loan-to-value percentage for first mortgages on investment properties. Percent of performance stock awards participants will be able to earn during the current performance year. Percent of performance stock awards participants will be able to earn during the next performance year. Percent of performance stock awards participants will be able to earn during the third performance year. Schedule of original and adjusted threshold and target metrics under the LTI Plans. Fair value portion of impaired loans receivable. Impaired Loans Name of the equity-based compensation arrangement plan. Amortized cost of financing receivable on nonaccrual status with allowance for credit loss. Excludes net investment in lease. Amount, excluding accrued interest, of writeoff of financing receivable originated more than five years prior to current fiscal year. Excludes net investment in lease. Amount, excluding accrued interest, of writeoff of revolving financing receivable converted to term loan. Amount, excluding accrued interest, of writeoff of financing receivable that can be withdrawn, repaid, and redrawn. Carrying value of impaired financing receivable acquired with deteriorated credit quality. Carrying value of impaired financing receivable. Carrying value of non-impaired financing receivable. Value of forfeited equity incentive plan shares reissued in connection with 2020 LTI performance share grant. Number of forfeited equity incentive plan shares reissued in connection with 2020 LTI performance share grant. Value of forfeited equity incentive plan shares reissued in connection with 2023 LTI grant. Number of forfeited equity incentive plan shares reissued in connection with 2023 LTI grant. Cumulative effect accounting adjustment, net of tax. Cumulative effect accounting adjustment, before tax. Cumulative effect accounting adjustment, ta effect. Guaranteed by government agencies. Not guaranteed by government agencies. Three-year cumulative earnings per share diluted. 2014 RSA Plan FRB Bank Term Funding Program. Customer counterparties. Dealer counterparties. Fair value of accrued interest receivable. Amount of gain (loss) on death benefit of bank-owned life insurance policy. Amount of net increase (decrease) in cash due to broker. Amount, excluding accrued interest, of writeoff of financing receivable originated in fiscal year before current fiscal year. Excludes net investment in lease. Percentage of increase (decrease) in off-balance sheet exposure during the period. Cash, Cash Equivalents, and Federal Funds Sold Assets Deposits [Default Label] Liabilities Unearned ESOP Shares Deferred Compensation Equity Equity, Attributable to Parent Liabilities and Equity Interest and Dividend Income, Operating Interest Expense, Short-Term Borrowings Interest Expense, Other Long-Term Debt Interest Expense, Subordinated Notes and Debentures Interest Expense Interest Income (Expense), Net Interest Income (Expense), after Provision for Loan Loss Noninterest Income Noninterest Expense Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, before Tax OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, Tax OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment and Tax Other Comprehensive Income (Loss), Defined Benefit Plan, Transition Asset (Obligation), Reclassification Adjustment from AOCI, before Tax Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss), Reclassification Adjustment from AOCI, before Tax Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, before Tax Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, after Tax Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax Shares, Outstanding Forfeited Equity Incentive Plan Shares Reissued in Connection with Performance Share Grant, Value Stock Repurchased and Retired During Period, Value Stock Repurchased During Period, Value Stock Repurchased During Period, Shares Forfeited Equity Incentive Plan Shares Reissued in Connection with LTI Grant, Value Dividends, Common Stock, Cash Payment for Origination and Purchase, Loan, Held-for-Sale Increase (Decrease) in Interest and Dividends Receivable Increase (Decrease) in Other Operating Assets Increase (Decrease) in Other Operating Liabilities Net Cash Provided by (Used in) Operating Activities Payments to Acquire Held-to-Maturity Securities Payments to Acquire Debt Securities, Available-for-Sale Payment Loan Originations And Principal Payments Net Payments for (Proceeds from) Federal Home Loan Bank Stock Payments to Acquire Property, Plant, and Equipment Net Cash Provided by (Used in) Investing Activities Repayments of Long-Term Debt Payments of Dividends Payments for Repurchase of Common Stock Net Cash Provided by (Used in) Financing Activities Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents Weighted Average Number of Shares, Employee Stock Ownership Plan Shares Not Committed to be Released Weighted Average Number of Shares, Contingently Issuable Average number of common shares outstanding used to calculate basic earnings per common share Average number of common shares outstanding used to calculate diluted earnings per common share AOCI Tax, Attributable to Parent Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax Debt Securities, Held-to-Maturity, Accumulated Unrecognized Loss Debt Securities, Available-for-Sale and Held-to-Maturity, Amortized Cost, before Allowance for Credit Loss Debt Securities, Available-for-Sale and Held-to-Maturity, Cumulative Unrecognized Gain Debt Securities, Available-for-Sale and Held-to-Maturity, Cumulative Unrecognized Loss Equity Securities, FV-NI, Gain (Loss) Debt Securities, Available-for-Sale, Realized Loss Debt Securities, Available-for-Sale and Held-to-Maturity, Continuous Unrealized Loss Position, Less than 12 Months, Number of Positions Debt Securities, Available-for-sale and Held-to-Maturity, Continuous Unrealized Loss Position, Less than 12 Months Debt Securities, Available-for-sale and Held-to-maturity, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss Debt Securities, Available-for-Sale and Held-to-Maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Number of Positions Debt Securities, Available-for-sale and Held-to-Maturity, Continuous Unrealized Loss Position, 12 Months or Longer Debt Securities, Available-for-sale and Held-to-maturity, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss Servicing Asset at Amortized Cost Servicing Asset at Amortized Cost, Amortization Servicing Asset at Fair Value, Amount Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff Financing Receivable, Accrued Interest, after Allowance for Credit Loss Increase (Decrease) in Finance Receivables Percentage of increase (decrease) in off-balance sheet exposure December 31, 2021 [Default Label] Percentage of preformance earned during year five Three-year Cumulative Diluted Earnings Per Share Two Percentage of preformance earned during year seven Percentage of preformance earned during year eight Three-year Cumulative Diluted Earnings Per Share Three Percentage of preformance earned during year ten Percentage of preformance earned during year eleven Three-year Cumulative Diluted Earnings Per Share Four Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeited in Period Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period Defined Benefit Plan, Expected Return (Loss) on Plan Assets Defined Benefit Plan, Amortization of Gain (Loss) Defined Benefit Plan, Net Periodic Benefit Cost (Credit) Hedged Asset, Fair Value Hedge, Portfolio Layer Method, Hedged Layer, Fair Value, Cumulative Increase (Decrease) Assets, Fair Value Disclosure Fair Value, Option, Changes in Fair Value, Gain (Loss) Interest Receivable Fair Value Disclosure Deposits, Fair Value Disclosure Short-Term Debt, Fair Value Long-Term Debt, Fair Value Subordinated Debt Fair Value EX-101.PRE 10 wneb-20230930_pre.xml XBRL PRESENTATION FILE XML 11 R1.htm IDEA: XBRL DOCUMENT v3.23.3
Cover - shares
 9 Months Ended
Sep. 30, 2023
Oct. 31, 2023
Cover [Abstract]    
Document Type 10-Q  
Amendment Flag false  
Document Quarterly Report true  
Document Transition Report false  
Document Period End Date Sep. 30, 2023  
Document Fiscal Period Focus Q3  
Document Fiscal Year Focus 2023  
Current Fiscal Year End Date --12-31  
Entity File Number 001-16767  
Entity Registrant Name Western New England Bancorp, Inc.  
Entity Central Index Key 0001157647  
Entity Tax Identification Number 73-1627673  
Entity Incorporation, State or Country Code MA  
Entity Address, Address Line One 141 Elm Street  
Entity Address, City or Town Westfield  
Entity Address, State or Province MA  
Entity Address, Postal Zip Code 01086  
City Area Code (413)  
Local Phone Number 568-1911  
Title of 12(b) Security Common Stock, $0.01 par value per share  
Trading Symbol WNEB  
Security Exchange Name NASDAQ  
Entity Current Reporting Status Yes  
Entity Interactive Data Current Yes  
Entity Filer Category Accelerated Filer  
Entity Small Business true  
Entity Emerging Growth Company false  
Entity Shell Company false  
Entity Common Stock, Shares Outstanding   21,712,815
XML 12 R2.htm IDEA: XBRL DOCUMENT v3.23.3
CONSOLIDATED BALANCE SHEETS - UNAUDITED - USD ($)
$ in Thousands
Sep. 30, 2023
Dec. 31, 2022
ASSETS    
Cash and due from banks $ 21,756 $ 25,577
Federal funds sold 9,056 1,652
Interest-bearing deposits and other short-term investments 31,455 3,113
Cash and cash equivalents 62,267 30,342
Available-for-sale securities, at fair value 130,709 146,997
Held-to-maturity securities, at amortized cost (Fair value of $176,861 and $190,950 at September 30, 2023 and December 31, 2022, respectively) 225,020 230,168
Marketable equity securities, at fair value 6,237
Federal Home Loan Bank of Boston stock and other restricted stock, at cost 3,063 3,352
Loans, net of allowance for credit losses of $19,978 at September 30, 2023 and $19,931 at December 31, 2022 1,994,842 1,971,469
Premises and equipment, net 24,766 24,953
Accrued interest receivable 8,281 8,140
Bank-owned life insurance 74,713 74,620
Deferred tax asset, net 16,206 15,027
Goodwill 12,487 12,487
Core deposit intangible 1,906 2,188
Other assets 30,745 27,170
TOTAL ASSETS 2,585,005 2,553,150
Deposits:    
Non-interest-bearing 593,602 645,529
Interest-bearing 1,582,701 1,583,914
Total deposits 2,176,303 2,229,443
Short-term borrowings 8,890 41,350
Long-term debt 121,178 1,178
Subordinated debt 19,702 19,673
Securities pending settlement 2,253 133
Other liabilities 25,765 33,230
 TOTAL LIABILITIES 2,354,091 2,325,007
SHAREHOLDERS' EQUITY:    
Preferred stock - $0.01 par value, 5,000,000 shares authorized, none outstanding at June 30, 2023 and December 31, 2022
Common stock - $0.01 par value, 75,000,000 shares authorized, 21,927,242 shares issued and outstanding at September 30, 2023; 22,216,789 shares issued and outstanding at December 31, 2022 219 222
Additional paid-in capital 127,376 128,899
Unearned compensation – Employee Stock Ownership Plan (2,522) (2,906)
Unearned compensation - Equity Incentive Plan (1,439) (1,012)
Retained earnings 135,966 127,982
Accumulated other comprehensive loss (28,686) (25,042)
TOTAL SHAREHOLDERS’ EQUITY 230,914 228,143
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 2,585,005 $ 2,553,150
XML 13 R3.htm IDEA: XBRL DOCUMENT v3.23.3
CONSOLIDATED BALANCE SHEETS - UNAUDITED (Parenthetical) - USD ($)
$ in Thousands
Sep. 30, 2023
Dec. 31, 2022
Statement of Financial Position [Abstract]    
Held-to-maturity securities, fair value $ 176,861 $ 190,950
Loans, allowance for loan losses [1] $ 19,978 [2] $ 19,931 [3]
Preferred stock, par value (in dollars per share) $ 0.01 $ 0.01
Preferred stock, authorized 5,000,000 5,000,000
Preferred stock, outstanding 0 0
Common stock, par value (in dollars per share) $ 0.01 $ 0.01
Common stock, authorized 75,000,000 75,000,000
Common stock, outstanding 21,927,242 22,216,789
Common stock, issued 21,927,242 22,216,789
[1] The Company adopted ASU 2016-13 on January 1, 2023 with a modified retrospective approach. Accordingly, beginning at January 1, 2023, the allowance for credit losses was determined in accordance with ASC 326, “Financial Instruments-Credit Losses.”
[2] The balance of $7.3 million and $6.8 million in accrued interest receivable is excluded from amortized cost and the calculation of the allowance for credit losses at September 30, 2023 and June 30, 2023, respectively.
[3] Increase to allowance for credit losses on loans of $2,113,000 for PCD loans gross up and a decrease of $931,000 for pooled loans through retained earnings.
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CONSOLIDATED STATEMENTS OF NET INCOME - UNAUDITED - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Interest and dividend income:        
Residential and commercial real estate loans $ 20,084 $ 16,942 $ 57,439 $ 48,388
Commercial and industrial loans 3,279 2,535 9,545 7,413
Consumer loans 88 66 246 189
Debt securities, taxable 2,031 2,039 6,151 5,992
Debt securities, tax-exempt 2 3 6 9
Marketable equity securities 62 119 121
Other investments 166 47 418 102
Short-term investments 251 60 424 129
Total interest and dividend income 25,901 21,754 74,348 62,343
Interest expense:        
Deposits 7,704 1,164 17,876 3,146
Short-term borrowings 117 48 1,466 58
Long-term debt 1,444 2,513
Subordinated debt 253 254 760 761
Total interest expense 9,518 1,466 22,615 3,965
Net interest and dividend income 16,383 20,288 51,733 58,378
Provision for credit losses 354 675 386 550
Net interest and dividend income after provision for credit losses 16,029 19,613 51,347 57,828
Non-interest income:        
Service charges and fees 2,145 2,223 6,573 6,743
Income from bank-owned life insurance 454 391 1,388 1,297
Loss on available-for-sale securities, net (4)
Net unrealized loss on marketable equity securities (235) (736)
Loss on disposal of premises and equipment (3) (3)
Gain on sale of mortgages 2
Gain on non-marketable equity investments 238 211 590 352
Loss on defined benefit plan termination (1,143)
Gain on bank-owned life insurance death benefit 778 778
Other income 25
Total non-interest income 3,612 2,590 8,183 7,679
Non-interest expense:        
Salaries and employees benefits 7,955 8,025 24,475 24,500
Occupancy 1,159 1,226 3,710 3,766
Furniture and equipment 482 465 1,460 1,547
Data processing 824 707 2,369 2,161
Professional fees 643 803 2,203 2,099
FDIC insurance assessment 341 273 983 793
Advertising 362 419 1,118 1,230
Other expenses 2,352 2,425 7,247 7,136
Total non-interest expense 14,118 14,343 43,565 43,232
Income before income taxes 5,523 7,860 15,965 22,275
Income tax provision 1,033 1,861 3,408 5,422
         Net income $ 4,490 $ 5,999 $ 12,557 $ 16,853
Earnings per common share:        
Basic earnings per share $ 0.21 $ 0.28 $ 0.58 $ 0.77
Weighted average basic shares outstanding 21,560,940 21,757,027 21,631,067 21,947,989
Diluted earnings per share $ 0.21 $ 0.28 $ 0.58 $ 0.77
Weighted average diluted shares outstanding 21,680,113 21,810,036 21,681,251 22,001,371
Dividends per share $ 0.07 $ 0.06 $ 0.21 $ 0.18
XML 15 R5.htm IDEA: XBRL DOCUMENT v3.23.3
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - UNAUDITED - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Income Statement [Abstract]        
Net income $ 4,490 $ 5,999 $ 12,557 $ 16,853
Unrealized losses on available-for-sale securities:        
Unrealized holding losses (7,314) (9,500) (6,329) (29,188)
Reclassification adjustment for net losses realized in income [1] 4
Unrealized losses (7,314) (9,500) (6,329) (29,184)
Tax effect 1,852 2,437 1,605 7,471
Net-of-tax amount (5,462) (7,063) (4,724) (21,713)
Defined benefit pension plan:        
Gain arising during the period 358
Reclassification adjustment:        
Defined benefit plan termination loss realized in income [2] 1,143
Amortization of defined benefit plan actuarial loss [3] 158 475
Unrealized actuarial gain on defined benefit plan 158 1,501 475
Tax effect (44) (421) (133)
Net-of-tax amount 114 1,080 342
Other comprehensive loss (5,462) (6,949) (3,644) (21,371)
Comprehensive income (loss) $ (972) $ (950) $ 8,913 $ (4,518)
[1] Realized losses on available-for-sale securities are recognized as a component of non-interest income. The tax effects applicable to net realized losses were $1,000 for the nine months ended September 30, 2022.
[2] Realized losses on defined benefit plan termination are recognized as a component of non-interest income in the consolidated statements of net income.  The tax effects associated with the reclassification adjustment were $321,000 for the nine months ended September 30, 2023.
[3] Amounts represent the reclassification of defined benefit plan amortization and have been recognized as a component of non-interest expense in the consolidated statements of net income.  Income tax effects associated with the reclassification adjustments were $44,000 for the three months ended September 30, 2022. Income tax effects associated with the reclassification adjustment were $133,000 for the nine months ended September 30, 2022.
XML 16 R6.htm IDEA: XBRL DOCUMENT v3.23.3
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - UNAUDITED (Parenthetical) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Income Statement [Abstract]      
Tax effects applicable to net realized losses on available-for-sale securities     $ 1
Income tax effects associated with reclassification adjustment for interest rate swap termination   $ 321  
Income tax benefit on termination fee on derivative instruments $ 44   $ 133
XML 17 R7.htm IDEA: XBRL DOCUMENT v3.23.3
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - UNAUDITED - USD ($)
$ in Thousands
Common Stock [Member]
Additional Paid-in Capital [Member]
Unearned Compensation - ESOP [Member]
Deferred Compensation, Share-Based Payments [Member]
Retained Earnings [Member]
AOCI Attributable to Parent [Member]
Total
Beginning balance, value at Dec. 31, 2021 $ 227 $ 132,821 $ (3,441) $ (981) $ 107,376 $ (12,314) $ 223,688
Beginning balance, shares at Dec. 31, 2021 22,656,515            
Comprehensive income (loss) 5,319 (8,417) (3,098)
Common stock held by ESOP committed to be released 45 134 179
Share-based compensation - equity incentive plan 301 301
Forfeited equity incentive plan shares (57) 57
Forfeited equity incentive plan shares reissued (7,289 shares) 71 (71)
Common stock repurchased $ (2) (1,178) (1,180)
Common stock repurchased (in shares) (132,358)            
Issuance of common stock in connection with stock option exercises $ 1 509 510
Issuance of common stock in connection with stock option exercises (in shares) 80,881            
Issuance of common stock in connection with equity incentive plan $ 1 1,248 (1,249)
Issuance of common stock in connection with equity incentive plan (in shares) 137,151            
Cash dividends declared and paid on common stock (1,337) (1,337)
Ending balance, value at Mar. 31, 2022 $ 227 133,459 (3,307) (1,943) 111,358 (20,731) 219,063
Ending balance, shares at Mar. 31, 2022 22,742,189            
Beginning balance, value at Dec. 31, 2021 $ 227 132,821 (3,441) (981) 107,376 (12,314) 223,688
Beginning balance, shares at Dec. 31, 2021 22,656,515            
Comprehensive income (loss)             (4,518)
Ending balance, value at Sep. 30, 2022 $ 222 129,234 (3,039) (1,280) 120,248 (33,685) 211,700
Ending balance, shares at Sep. 30, 2022 22,246,545            
Beginning balance, value at Mar. 31, 2022 $ 227 133,459 (3,307) (1,943) 111,358 (20,731) 219,063
Beginning balance, shares at Mar. 31, 2022 22,742,189            
Comprehensive income (loss) 5,535 (6,005) (470)
Common stock held by ESOP committed to be released 38 134 172
Share-based compensation - equity incentive plan 292 292
Common stock repurchased $ (2) (2,508) (2,510)
Common stock repurchased (in shares) (293,173)            
Issuance of common stock in connection with stock option exercises 115 115
Issuance of common stock in connection with stock option exercises (in shares) 16,975            
Cash dividends declared and paid on common stock (1,332) (1,332)
Ending balance, value at Jun. 30, 2022 $ 225 131,104 (3,173) (1,651) 115,561 (26,736) 215,330
Ending balance, shares at Jun. 30, 2022 22,465,991            
Comprehensive income (loss) 5,999 (6,949) (950)
Common stock held by ESOP committed to be released 28 134 162
Share-based compensation - equity incentive plan (4) 215 211
Forfeited equity incentive plan shares (156) 156
Common stock repurchased $ (3) (1,853) (1,856)
Common stock repurchased (in shares) (236,302)            
Issuance of common stock in connection with stock option exercises 115 115
Issuance of common stock in connection with stock option exercises (in shares) 16,856            
Cash dividends declared and paid on common stock (1,312) (1,312)
Ending balance, value at Sep. 30, 2022 $ 222 129,234 (3,039) (1,280) 120,248 (33,685) 211,700
Ending balance, shares at Sep. 30, 2022 22,246,545            
Beginning balance, value at Dec. 31, 2022 $ 222 128,899 (2,906) (1,012) 127,982 (25,042) 228,143
Beginning balance, shares at Dec. 31, 2022 22,216,789            
Cumulative effect accounting adjustment [1] 9 9
Comprehensive income (loss) 5,304 1,941 7,245
Common stock held by ESOP committed to be released 52 128 180
Share-based compensation - equity incentive plan 529 529
Forfeited equity incentive plan shares reissued in connection with 2020 LTI performance share grant (19,761 shares) 180 (180)
Common stock repurchased $ (1) (1,350) (1,351)
Common stock repurchased (in shares) (143,896)            
Issuance of common stock in connection with equity incentive plan $ 1 1,348 (1,349)
Issuance of common stock in connection with equity incentive plan (in shares) 136,454            
Forfeited equity incentive plan shares reissued in connection with 2023 LTI grant (2,742 shares) 27 (27)
Cash dividends declared and paid on common stock (1,533) (1,533)
Ending balance, value at Mar. 31, 2023 $ 222 129,156 (2,778) (2,039) 131,762 (23,101) 233,222
Ending balance, shares at Mar. 31, 2023 22,209,347            
Beginning balance, value at Dec. 31, 2022 $ 222 128,899 (2,906) (1,012) 127,982 (25,042) 228,143
Beginning balance, shares at Dec. 31, 2022 22,216,789            
Comprehensive income (loss)             8,913
Ending balance, value at Sep. 30, 2023 $ 219 127,376 (2,522) (1,439) 135,966 (28,686) 230,914
Ending balance, shares at Sep. 30, 2023 21,927,242            
Beginning balance, value at Mar. 31, 2023 $ 222 129,156 (2,778) (2,039) 131,762 (23,101) 233,222
Beginning balance, shares at Mar. 31, 2023 22,209,347            
Comprehensive income (loss) 2,763 (123) 2,640
Common stock held by ESOP committed to be released 22 128 150
Share-based compensation - equity incentive plan 300 300
Common stock repurchased $ (1) (785) (786)
Common stock repurchased (in shares) (126,944)            
Cash dividends declared and paid on common stock (1,528) (1,528)
Ending balance, value at Jun. 30, 2023 $ 221 128,393 (2,650) (1,739) 132,997 (23,224) 233,998
Ending balance, shares at Jun. 30, 2023 22,082,403            
Comprehensive income (loss) 4,490 (5,462) (972)
Common stock held by ESOP committed to be released (10) 128 118
Share-based compensation - equity incentive plan 300 300
Common stock repurchased $ (2) (1,007) (1,009)
Common stock repurchased (in shares) (155,161)            
Cash dividends declared and paid on common stock (1,521) (1,521)
Ending balance, value at Sep. 30, 2023 $ 219 $ 127,376 $ (2,522) $ (1,439) $ 135,966 $ (28,686) $ 230,914
Ending balance, shares at Sep. 30, 2023 21,927,242            
[1] Represents gross transition adjustment amount of $13,000, net of taxes of $4,000, to reflect the cumulative impact on retained earnings pursuant to the Company’s adoption of Accounting Standards Update (“ASU”) 2016-13 Financial Instruments-Credit Losses on Financial Instruments and relevant amendments. Refer to Note 5, “Loans and Allowance for Credit Losses” within the Notes to the Consolidated Financial Statements on Form 10-Q beginning with the quarter ended March 31, 2023.
XML 18 R8.htm IDEA: XBRL DOCUMENT v3.23.3
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - UNAUDITED (Parenthetical) - USD ($)
$ in Thousands
 3 Months Ended
Sep. 30, 2023
Jun. 30, 2023
Mar. 31, 2023
Sep. 30, 2022
Jun. 30, 2022
Mar. 31, 2022
Common stock held by ESOP committed to be released (shares) 74,993 74,993 74,993 78,526 78,526 78,526
Forfeited equity incentive plan shares reissued in connection with 2020 LTI performance share grant, shares     19,761      
Forfeited equity incentive plan shares reissued in connection with 2023 LTI grant, shares     2,742      
Forfeited equity incentive plan shares (in shares)           6,651
Forfeited equity incentive plan shares reissued (shares)       17,789   7,289
Cash dividends declared and paid on common stock (per share) $ 0.07 $ 0.07 $ 0.07 $ 0.06 $ 0.06 $ 0.06
Accounting Standards Update 2016-13 [Member]            
Cumulative effect accounting adjustment, before tax     $ 13      
Cumulative effect accounting adjustment, tax     $ 4      
XML 19 R9.htm IDEA: XBRL DOCUMENT v3.23.3
CONSOLIDATED STATEMENTS OF CASH FLOWS - UNAUDITED - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 12,557 $ 16,853
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 386 550
Depreciation and amortization of premises and equipment 1,645 1,742
Amortization (accretion) of purchase accounting adjustments, net 88 (57)
Amortization of core deposit intangible 282 282
Net amortization of premiums and discounts on securities and mortgage loans 962 1,199
Net amortization of deferred costs on mortgage loans 367 537
Net amortization of premiums on subordinated debt 29 30
Share-based compensation expense 1,129 804
ESOP expense 448 513
Principal balance of loans originated for sale (277)
Principal balance of loans sold 277
Net change in unrealized loss on marketable equity securities 736
Net loss on available-for-sale securities 4
Loss on disposal of premises and equipment 3
Gain on bank-owned life insurance death benefit (778)
Income from bank-owned life insurance (1,388) (1,297)
Net change in:    
Accrued interest receivable (141) 253
Other assets (4,293) (5,196)
Other liabilities (5,385) 2,911
Net cash provided by operating activities 5,911 19,864
CASH FLOWS FROM INVESTING ACTIVITIES:    
Purchases of held-to-maturity securities (3,643) (28,030)
Proceeds from calls, maturities, and principal collections of held-to-maturity securities 10,692 15,540
Purchases of available-for-sale securities (5,000)
Proceeds from redemptions and sales of available-for-sale securities 20
Proceeds from calls, maturities, and principal collections of available-for-sale securities 9,326 20,514
Proceeds from redemption and sales of marketable equity securities 6,237
Loan originations and principal payments, net (24,190) (143,593)
Redemption of Federal Home Loan Bank of Boston stock 289 360
Purchases of premises and equipment (1,509) (584)
Proceeds from sale of premises & equipment 18
Proceeds from payout on bank-owned life insurance 2,079 2,435
Net cash used in investing activities (701) (138,338)
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net (decrease) increase in deposits (53,140) 30,881
Net change in short-term borrowings (32,460) 21,500
Repayment of long-term debt (1,472)
Proceeds from issuance of long-term debt 120,000
Cash dividends paid (4,582) (3,981)
Common stock repurchased (3,103) (5,537)
    Issuance of common stock in connection with stock option exercise 740
Net cash provided by financing activities 26,715 42,131
NET CHANGE IN CASH AND CASH EQUIVALENTS: 31,925 (76,343)
Beginning of period 30,342 103,456
End of period 62,267 27,113
Supplemental cash flow information:    
Interest paid 20,671 3,987
Taxes paid 3,717 5,568
Net change in cash due to broker $ 2,253 $ 9
XML 20 R10.htm IDEA: XBRL DOCUMENT v3.23.3
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
 9 Months Ended
Sep. 30, 2023
Accounting Policies [Abstract]  
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

 

Nature of Operations and Basis of Presentation. Western New England Bancorp, Inc. (“WNEB,” “Company,” “we,” or “us”) is a Massachusetts-chartered stock holding company for Westfield Bank, a federally-chartered savings bank (“Bank”).

 

The Bank operates 25 banking offices in Hampden County and Hampshire County in western Massachusetts and Hartford County and Tolland County in northern Connecticut, and its primary sources of revenue are interest income from loans as well as interest income from investment securities. The West Hartford Financial Services Center serves as the Company’s Connecticut hub, housing Commercial Lending, Cash Management and a Mortgage Loan Officer. The Bank’s deposits are insured up to the maximum Federal Deposit Insurance Corporation (“FDIC”) coverage limits.

 

Wholly-owned Subsidiaries. Elm Street Securities Corporation, WFD Securities, Inc. and CSB Colts, Inc., are Massachusetts-chartered securities corporations, formed for the primary purpose of holding qualified securities. WB Real Estate Holdings, LLC is a Massachusetts-chartered limited liability company that holds real property acquired as security for debts previously contracted by the Bank.

 

Principles of Consolidation. The consolidated financial statements include the accounts of Western New England Bancorp, Inc., the Bank, CSB Colts, Inc., Elm Street Securities Corporation, WB Real Estate Holdings, LLC and WFD Securities, Inc. All material intercompany balances and transactions have been eliminated in consolidation.

 

Estimates. The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of income and expenses for each. Actual results could differ from those estimates. An estimate that is particularly susceptible to significant change in the near-term relates to the determination of the allowance for credit losses.

 

Basis of Presentation. In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation of our financial condition as of September 30, 2023, and the results of operations, changes in shareholders’ equity and cash flows for the interim periods presented. The results of operations for the three and nine months ended September 30, 2023 are not necessarily indicative of the results of operations for the year ending December 31, 2023. Certain information and disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been omitted pursuant to the rules and regulations of the Securities and Exchange Commission.

 

On January 1, 2023, the Company adopted Accounting Standards Update (“ASU”) 2016-13 Financial Instruments - Credit Losses (Topic326): Measurement of Credit Losses on Financial Instruments, which requires the recognition of the allowance for credit losses be estimated using the current expected credit loss (“CECL”) methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases (See Notes 4 and 5 to our unaudited consolidated financial statements for further information).

 

These unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements as of and for the year ended December 31, 2022, included in our Annual Report on Form 10-K for the year ended December 31, 2022 (the “2022 Annual Report”).

 

Reclassifications. Amounts in the prior period financial statements are reclassified when necessary to conform to the current year presentation.
XML 21 R11.htm IDEA: XBRL DOCUMENT v3.23.3
EARNINGS PER SHARE
 9 Months Ended
Sep. 30, 2023
Earnings per common share:  
EARNINGS PER SHARE

2. EARNINGS PER SHARE

 

Basic earnings per share represents income available to common shareholders divided by the weighted-average number of common shares outstanding during the period. If rights to dividends on unvested awards are non-forfeitable, these unvested awards are considered outstanding in the computation of basic earnings per share. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by us relate to stock options and certain performance-based restricted stock awards and are determined using the treasury stock method. Unallocated Employee Stock Ownership Plan (“ESOP”) shares are not deemed outstanding for earnings per share calculations. There were no anti-dilutive shares outstanding during the three and nine months ended September 30, 2023 and 2022, respectively.

 

Earnings per share for the three and nine months ended September 30, 2023 and 2022 have been computed based on the following:

 

                             
   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
   2023   2022   2023   2022 
   (In thousands, except per share data) 
                 
Net income applicable to common stock  $4,490   $5,999   $12,557   $16,853 
                     
Average number of common shares issued   22,055    22,317    22,140    22,531 
Less: Average unallocated ESOP Shares   (329)   (406)   (347)   (425)
Less: Average unvested performance-based equity incentive plan shares   (166)   (154)   (162)   (158)
                     
Average number of common shares outstanding used to calculate basic earnings per common share   21,561    21,757    21,631    21,948 
                     
Effect of dilutive performance-based equity incentive plan   119    40    50    33 
Effect of dilutive stock options   —    13    —    20 
                     
Average number of common shares outstanding used to calculate diluted earnings per common share   21,680    21,810    21,681    22,001 
                     
Basic earnings per share  $0.21   $0.28   $0.58   $0.77 
Diluted earnings per share  $0.21   $0.28   $0.58   $0.77 
XML 22 R12.htm IDEA: XBRL DOCUMENT v3.23.3
COMPREHENSIVE INCOME (LOSS)
 9 Months Ended
Sep. 30, 2023
Equity [Abstract]  
COMPREHENSIVE INCOME (LOSS)

3. COMPREHENSIVE INCOME (LOSS)

 

Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income (loss).

 

 

The components of accumulated other comprehensive loss included in shareholders’ equity are as follows:

 

   September 30, 2023   December 31, 2022 
   (In thousands) 
         
Net unrealized losses on available-for-sale securities  $(38,488)  $(32,159)
Tax effect   9,802    8,197 
Net-of-tax amount   (28,686)   (23,962)
           
Unrecognized actuarial loss on the defined benefit plan   —    (1,501)
Tax effect   —    421 
Net-of-tax amount   —    (1,080)
           
Accumulated other comprehensive loss  $(28,686)  $(25,042)
XML 23 R13.htm IDEA: XBRL DOCUMENT v3.23.3
INVESTMENT SECURITIES
 9 Months Ended
Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]  
INVESTMENT SECURITIES

 

4.INVESTMENT SECURITIES

 

Available-for-sale and held-to-maturity investment securities at September 30, 2023 and December 31, 2022 are summarized as follows:

 

   September 30, 2023 
   Amortized Cost   Gross Unrealized Gains   Gross Unrealized Losses   Fair Value 
   (In thousands) 
Available-for-sale securities:                    
Debt securities:                    
Government-sponsored enterprise obligations  $14,921   $—   $(3,758)  $11,163 
State and municipal bonds   135    —    (2)   133 
Corporate bonds   8,001    —    (1,160)   6,841 
Total debt securities   23,057    —    (4,920)   18,137 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   139,358    —    (31,959)   107,399 
U.S. government guaranteed mortgage-backed securities   6,782    —    (1,609)   5,173 
Total mortgage-backed securities   146,140    —    (33,568)   112,572 
                     
Total available-for-sale   169,197    —    (38,488)   130,709 
                     
Held-to-maturity securities:                    
Debt securities:                    
U.S. Treasury securities   9,993    —    (757)   9,236 
Total debt securities   9,993    —    (757)   9,236 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   215,027    —    (47,402)   167,625 
Total mortgage-backed securities   215,027    —    (47,402)   167,625 
                     
Total held-to-maturity   225,020    —    (48,159)   176,861 
                     
 Total  $394,217   $—   $(86,647)  $307,570 

 

 

   December 31, 2022 
   Amortized Cost   Gross Unrealized Gains   Gross Unrealized Losses   Fair Value 
   (In thousands) 
Available-for-sale securities:                    
Debt securities:                    
Government-sponsored enterprise obligations  $14,913   $—   $(3,345)  $11,568 
State and municipal bonds   270    —    —    270 
Corporate bonds   8,012    —    (519)   7,493 
Total debt securities   23,195    —    (3,864)   19,331 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   148,544    —    (26,826)   121,718 
U.S. government guaranteed mortgage-backed securities   7,417    —    (1,469)   5,948 
Total mortgage-backed securities   155,961    —    (28,295)   127,666 
                     
Total available-for-sale   179,156    —    (32,159)   146,997 
                     
Held-to-maturity securities:                    
Debt securities:                    
U.S. Treasury securities   9,987    —    (825)   9,162 
Total debt securities   9,987    —    (825)   9,162 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   220,181    67    (38,460)   181,788 
Total mortgage-backed securities   220,181    67    (38,460)   181,788 
                     
Total held-to-maturity   230,168    67    (39,285)   190,950 
                     
 Total  $409,324   $67   $(71,444)  $337,947 

 

The following table presents the unrealized losses recognized on marketable equity securities for the periods indicated:

 

             
  

Nine Months Ended

September 30

 
   2023   2022 
   (In thousands) 
     
Net losses recognized during the period on marketable equity securities  $—   $(736)
Unrealized losses recognized during the period on marketable equity securities still held at end of period  $—   $(736)

 

During the second quarter of 2023, the remaining balance of $6.3 million in marketable equity securities was redeemed. As the marketable equity securities portfolio was marked to market through income monthly, the fund liquidation resulted in no gain or loss to the income statement. At September 30, 2023, the Company did not hold any marketable equity investments.

 

At September 30, 2023, U.S. Treasury securities with a fair value of $9.2 million, government-sponsored enterprise obligations with a fair value of $7.3 million and mortgage-backed securities with a fair value of $168.0 million were pledged to secure public deposits, the Bank Term Funding Program (“BTFP”) and for other purposes as required or permitted by law. The securities collateralizing public deposits are subject to fluctuations in fair value. We monitor the fair value of the collateral on a periodic basis, and pledge additional collateral if necessary based on changes in fair value of collateral or the balances of such deposits.

 

 

The amortized cost and fair value of available-for-sale and held-to-maturity investment securities at September 30, 2023, by final maturity, are shown below. Actual maturities may differ from contractual maturities because certain issuers have the right to call or prepay obligations.

 

 

   Available-for-Sale   Held-to-Maturity 
   Amortized Cost   Fair Value   Amortized Cost   Fair Value 
   (In thousands) 
Debt securities:                    
Due in one year or less  $3,136   $3,098   $—   $— 
Due after one year through five years   —    —    9,993    9,236 
Due after five years through ten years   19,921    15,039    —    — 
Due after ten years   —    —    —    — 
Total debt securities   23,057    18,137    9,993    9,236 
                     
Mortgage-backed securities:                    
Due after one year through five years   475    445    —    — 
Due after five years through ten years   1,505    1,347    —    — 
Due after ten years   144,160    110,780    215,027    167,625 
Total mortgage-backed securities   146,140    112,572    215,027    167,625 
                     
Total securities  $169,197   $130,709   $225,020   $176,861 

 

Gross realized gains and losses on sales of available-for-sale investment securities for the three and nine months ended September 30, 2023 and 2022 are as follows:

 

                         
   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
   2023   2022   2023   2022 
   (In thousands) 
                 
Gross losses realized   —    —    —    (4)
Net loss realized  $—   $—   $—   $(4)

 

Proceeds from the redemption of available-for-sale investment securities totaled $20,000 for the nine months ended September 30, 2022. There were no sales or redemption of available-for-sale investment securities for the nine months ended September 30, 2023.

 

On January 1, 2023, the Company adopted ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, as amended, which replaces the incurred loss methodology with an expected loss methodology that is referred to as CECL methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. In addition, ASC 326 made changes to the accounting for available-for-sale debt securities.

 

Allowance for Credit Losses – Available-for-Sale Securities

 

The Company measures expected credit losses on available-for-sale debt securities based upon the gain or loss position of the security. For available-for-sale debt securities in an unrealized loss position which the Company does not intend to sell, and it is not more likely than not that the Company will be required to sell the security before recovery of the Company’s amortized cost, the Company evaluates qualitative criteria to determine any expected loss. This includes among other items the financial health of, and specific prospects for the issuer, including whether the issuer is in compliance with the terms and covenants of the security. The Company also evaluates quantitative criteria including determining whether there has been an adverse change in expected future cash flows of the security. Available-for-sale securities which are guaranteed by government agencies do not currently have an allowance for credit loss as the Company determined these securities are either backed by the full faith and credit of the U.S. government and/or there is an unconditional commitment to make interest payments and to return the principal investment in full to investors when a debt security reaches maturity. In assessing the Company's investments in government-sponsored and U.S. government guaranteed mortgage-backed securities and government-sponsored enterprise obligations, the contractual cash flows of these investments are guaranteed by the respective government-sponsored enterprise; Federal Home Loan Mortgage Corporation (“FHLMC”), Federal National Mortgage Association (“FNMA”), Federal Farm Credit Bank (“FFCB”), or Federal Home Loan Bank (“FHLB”). Accordingly, it is expected that the securities would not be settled at a price less than the par value of the Company's investments. The Company will evaluate this position no less than annually, however, certain items which may cause the Company to change this methodology include legislative changes that remove a government-sponsored enterprise’s ability to draw funds from the U.S. government, or legislative changes to housing policy that reduce or eliminate the U.S. government’s implicit guarantee on such securities. Accrued interest receivable on available-for-sale securities guaranteed by government agencies totaled $329,000 at September 30, 2023 and is excluded from the estimate of credit losses. If the Company does not expect to recover the entire amortized cost basis of the security, an allowance for credit losses would be recorded, with a related charge to earnings, limited by the amount of the fair value of the security less its amortized cost. If the Company intends to sell the security or it is more likely than not that the Company will be required to sell the debt security before recovery of its amortized cost basis, the Company recognizes the entire difference between the amortized cost basis of the security and its fair value in earnings. Any impairment that has not been recorded through an allowance for credit loss is recognized in other comprehensive income. Accrued interest receivable on available-for-sale debt securities not guaranteed by government agencies totaled $77,000 at September 30, 2023 and is excluded from the estimate of credit losses. There were no allowance for credit losses established on available-for-sale debt securities during the three and nine months ended September 30, 2023.

 

 

Allowance for Credit Losses – Held-to-Maturity Securities

 

The Company measures expected credit losses on held-to-maturity debt securities on a collective basis by security type and risk rating where available. The reserve for each pool is calculated based on a Probability of Default/Loss Given Default basis taking into consideration the expected life of each security. Held-to-maturity securities which are issued by the United States Treasury or are guaranteed by government agencies do not currently have an allowance for credit loss as the Company determined these securities are either backed by the full faith and credit of the U.S. government and/or there is an unconditional commitment to make interest payments and to return the principal investment in full to investors when a debt security reaches maturity. In assessing the Company's investments in government-sponsored and U.S. government guaranteed mortgage-backed securities and government-sponsored enterprise obligations, the contractual cash flows of these investments are guaranteed by the respective government-sponsored enterprise; FHLMC, FNMA, FFCB, or FHLB. Accordingly, it is expected that the securities would not be settled at a price less than the par value of the Company's investments. The Company will evaluate this position no less than annually, however, certain items which may cause the Company to change this methodology include legislative changes that remove a government-sponsored enterprise’s ability to draw funds from the U.S. government, or legislative changes to housing policy that reduce or eliminate the U.S. government’s implicit guarantee on such securities. Any expected credit losses on held-to-maturity securities would be presented as an allowance for credit loss. Accrued interest receivable on held-to-maturity securities totaled $469,000 at September 30, 2023 and is excluded from the estimate of credit losses. There were no allowance for credit losses established on held-to-maturity securities during the three and nine months ended September 30, 2023.

 

At September 30, 2023 and December 31, 2022, management attributed the unrealized losses to increases in current market yields compared to the yields at the time the investments were purchased by the Company and not due to credit quality. There was no credit loss during the three and nine months ended September 30, 2023 or the year ended December 31, 2022. At September 30, 2023 and December 31, 2022, there were two available-for-sale corporate bonds that were rated below investment grade by one or more ratings agencies. The Company reviewed the financial strength of these bonds and has concluded that the amortized cost remains supported by the expected future cash flows of the securities.

 

Information pertaining to investment securities with gross unrealized losses as of September 30, 2023 for which the Company did not recognize a provision for credit losses under CECL, and as of December 31, 2022, for which the Company did not deem to be impaired under its prior methodology, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:

 

 

   September 30, 2023 
   Less Than Twelve Months   Over Twelve Months 
   Number of
Securities		   Fair Value   Gross
Unrealized
Loss		   Depreciation
from
Amortized
Cost Basis
(%)		   Number
of
Securities		   Fair Value   Gross
Unrealized
Loss		   Depreciation
from
Amortized
Cost Basis
(%)		 
   (Dollars in thousands) 
Available-for-sale:                                
Government-sponsored mortgage-backed securities   —   $—   $—    —%   70   $107,399   $31,959    22.9%
U.S. government guaranteed mortgage-backed securities   —    —    —    —    9    5,173    1,609    23.7 
Government-sponsored enterprise obligations   —    —    —    —    3    11,163    3,758    25.2 
Corporate bonds   —    —    —    —    3    6,841    1,160    14.5 
State and municipal bonds   1    133    2    1.5    —    —    —    — 
Total available-for-sale   1    133    2         85    130,576    38,486      
                                         
Held-to-maturity:                                        
U.S. Treasury securities   —    —    —    —%   2    9,236    757    7.6%
Government-sponsored mortgage-backed securities   5    11,567    432    3.6    36    156,058    46,970    23.1 
Total held-to-maturity   5    11,567    432         38    165,294    47,727      
                                         
Total   6   $11,700   $434         123   $295,870   $86,213      

 

   December 31, 2022 
   Less Than Twelve Months   Over Twelve Months 
   Number of
Securities		   Fair Value   Gross
Unrealized
Loss		   Depreciation
from
Amortized
Cost Basis
(%)		   Number
of
Securities		   Fair Value   Gross
Unrealized
Loss		   Depreciation
from
Amortized
Cost Basis
(%)		 
   (Dollars in thousands) 
Available-for-sale:                                
Government-sponsored mortgage-backed securities   10   $9,133   $776    7.8%   60   $112,586   $26,050    18.8%
U.S. government guaranteed mortgage-backed securities   1    113    20    15.0    8    5,835    1,449    19.9 
Government-sponsored enterprise obligations   —    —    —    —    3    11,568    3,345    22.4 
Corporate bonds   3    7,493    519    6.5    —    —    —    — 
Total available-for-sale   14    16,739    1,315         71    129,989    30,844      
                                         
Held-to-maturity:                                        
U.S. Treasury securities   —    —    —    —%   2    9,162    825    8.3%
Government-sponsored mortgage-backed securities   6    18,911    2,116    10.1    31    157,947    36,344    18.7 
Total held-to-maturity   6    18,911    2,116         33    167,109    37,169      
                                         
Total   20   $35,650   $3,431         104   $297,098   $68,013      
XML 24 R14.htm IDEA: XBRL DOCUMENT v3.23.3
LOANS AND ALLOWANCE FOR CREDIT LOSSES
 9 Months Ended
Sep. 30, 2023
Receivables [Abstract]  
LOANS AND ALLOWANCE FOR CREDIT LOSSES

 

5.LOANS AND ALLOWANCE FOR CREDIT LOSSES

 

Major classifications of loans as of the dates indicated were as follows:

 

   September 30,   December 31, 
   2023   2022 
   (In thousands) 
Commercial real estate  $1,080,361   $1,069,323 
           

Residential real estate:

          
Residential one-to-four family   606,221    589,503 
Home equity   107,561    105,557 
Total residential real estate   713,782    695,060 
           
Commercial and industrial:          
Paycheck Protection Program (“PPP”) loans   1,415    2,274 
Commercial and industrial   211,162    217,574 
Total commercial and industrial   212,577    219,848 
           
Consumer   5,768    5,045 
Total gross loans   2,012,488    1,989,276 
Unamortized PPP loan fees   (70)   (109)
Unearned premiums and deferred loan fees and costs, net   2,402    2,233 
Total loans, net   2,014,820    1,991,400 
Allowance for credit losses(1)   (19,978)   (19,931)
Net loans  $1,994,842   $1,971,469 

 

 

(1)The Company adopted ASU 2016-13 on January 1, 2023 with a modified retrospective approach. Accordingly, beginning at January 1, 2023, the allowance for credit losses was determined in accordance with ASC 326, “Financial Instruments-Credit Losses.”

 

Loans Serviced for Others.

 

The Company has transferred a portion of its originated commercial loans to participating lenders. The amounts transferred have been accounted for as sales and are therefore not included in our accompanying consolidated balance sheets. We continue to service the loans on behalf of the participating lenders. We share with participating lenders, on a pro-rata basis, any gains or losses that may result from a borrower’s lack of compliance with contractual terms of the loan. At September 30, 2023 and December 31, 2022, the Company was servicing commercial loans participated out to various other institutions totaling $65.6 million and $70.5 million, respectively.

 

Residential real estate mortgages are originated by the Company both for its portfolio and for sale into the secondary market. The Company may sell its loans to institutional investors such as the FHLMC. Under loan sale and servicing agreements with the investor, the Company generally continues to service the residential real estate mortgages. The Company pays the investor an agreed upon rate on the loan, which is less than the interest rate received from the borrower. The Company retains the difference as a fee for servicing the residential real estate mortgages. The Company capitalizes mortgage servicing rights at their fair value upon sale of the related loans, amortizes the asset over the estimated life of the serviced loan, and periodically assesses the asset for impairment. The significant assumptions used by a third party to estimate the fair value of capitalized servicing rights at September 30, 2023, include weighted average prepayment speed for the portfolio using the Public Securities Association Standard Prepayment Model (100 PSA), weighted average internal rate of return (10.01%), weighted average servicing fee (0.25%), and average cost to service loans ($83.75 per loan). The estimated fair value of capitalized servicing rights may vary significantly in subsequent periods primarily due to changing market interest rates, and their effect on prepayment speeds and discount rates. For the nine months ended September 30, 2022, the Company sold $277,000 in residential real estate mortgages with servicing retained and recorded gains on the sale of mortgages of $2,000 within non-interest income. There were no sales of residential real estate mortgages to the secondary market during the nine months ended September 30, 2023.

 

 

At September 30, 2023 and December 31, 2022, the Company was servicing residential mortgage loans owned by investors totaling $74.4 million and $79.3 million, respectively. Servicing fee income of $144,000 and $158,000 was recorded for the nine months ended September 30, 2023 and 2022, respectively, and is included in service charges and fees on the consolidated statements of net income.

 

A summary of the activity in the balances of mortgage servicing rights follows:

 

  

Three Months Ended

September 30, 2023

  

Nine Months Ended

September 30, 2023

 
   (In thousands) 
         
Balance at the beginning of period:  $480   $550 
Amortization   (35)   (105)
Balance at the end of period  $445   $445 
Fair value at the end of period  $745   $745 

 

Loans are recorded at the principal amount outstanding, adjusted for charge-offs, unearned premiums and deferred loan fees and costs. Interest on loans is calculated using the effective yield method on daily balances of the principal amount outstanding and is credited to income on the accrual basis to the extent it is deemed collectable. Our general policy is to discontinue the accrual of interest when principal or interest payments are delinquent 90 days or more based on the contractual terms of the loan, or earlier if there are concerns regarding the collectability of the loan. Any unpaid amounts previously accrued on these loans are reversed from income. Subsequent cash receipts are applied to the outstanding principal balance or to interest income if, in the judgment of management, collection of the principal balance is not in question. Loans are returned to accrual status when they become current as to both principal and interest and perform in accordance with contractual terms for a period of at least six months, reducing the concern as to the collectability of principal and interest. Loan fees and certain direct loan origination costs are deferred, and the net fee or cost is recognized as an adjustment to interest income over the estimated average lives of the related loans.

 

Effect of New Financial Accounting Standards.

 

On January 1, 2023, the Company adopted ASU 2016-13 Financial Instruments - Credit Losses (Topic326): Measurement of Credit Losses on Financial Instruments, which requires the recognition of the allowance for credit losses be estimated using the CECL methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases. In addition, ASC 326 made changes to the accounting for available-for-sale debt securities. One such change is to require credit losses to be presented as an allowance rather than as a write-down on available-for-sale debt securities that are determined to have impairment related to credit losses.

 

The Company adopted ASC 326 using the modified retrospective method for all financial assets measured at amortized cost and off-balance sheet credit exposures. Results for reporting periods beginning January 1, 2023 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP. The Company recorded a net increase to retained earnings of $9,000 as of January 1, 2023 for the cumulative effect of adopting ASC 326, which includes a net deferred tax liability of $4,000. The transition adjustment includes a $1.2 million increase to the allowance for credit losses and the recording of a $918,000 allowance for credit losses on off-balance sheet credit exposures.

 

 

The following table illustrates the impact of ASC 326:

 

  

Pre-ASC 326
Adoption

December 31,
2022

  

As Reported
Under ASC 326

January 1, 2023

   Impact of ASC
326 Adoption		 
   (In thousands) 
     
Assets               
Loans(1)  $1,989,276   $1,991,389   $2,113 
Allowance for credit losses on loans(2)   (19,931)   (21,113)   (1,182)
Deferred tax asset   15,027    15,023    (4)
                
Liabilities               
Allowance for credit losses on off-balance sheet exposures  $—   $(918)  $(918)
                

Shareholders’ Equity

               
Retained earnings, net of tax  $(127,982)  $(127,991)  $(9)

 

 

(1)Purchase credit deteriorated (“PCD loans”) gross up of cost basis of loans totaled $422,000 for commercial real estate loans and $1,691,000 for commercial and industrial loans.
(2)Increase to allowance for credit losses on loans of $2,113,000 for PCD loans gross up and a decrease of $931,000 for pooled loans through retained earnings.

 

Allowance for Credit Losses.

 

The allowance for credit losses is an estimate of expected losses inherent within the Company's existing loans held for investment portfolio. The allowance for credit losses for loans held for investment, as reported in our consolidated balance sheet, is adjusted by a credit loss expense, which is reported in earnings, and reduced by the charge-off of loan amounts, net of recoveries. Accrued interest receivable on loans held for investment was $7.3 million at September 30, 2023 and is excluded from the estimate of credit losses.

 

The credit loss estimation process involves procedures to appropriately consider the unique characteristics of loan portfolio segments, which consist of commercial real estate loans, residential real estate loans, commercial and industrial loans, and consumer loans. These segments are further disaggregated into loan classes, the level at which credit risk is monitored. For each of these pools, the Company generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speed, curtailments, time to recovery, probability of default, and loss given default. The modeling of expected prepayment speeds, curtailment rates, and time to recovery are based on historical internal data. The quantitative component of the ACL on loans is model-based and utilizes a forward-looking macroeconomic forecast. The Company uses a discounted cash flow method, incorporating probability of default and loss given default forecasted based on statistically derived economic variable loss drivers, to estimate expected credit losses. This process includes estimates which involve modeling loss projections attributable to existing loan balances, and considering historical experience, current conditions, and future expectations for pools of loans over a reasonable and supportable forecast period. The historical information either experienced by the Company or by a selection of peer banks, when appropriate, is derived from a combination of recessionary and non-recessionary performance periods for which data is available.

 

Commercial real estate loans. Loans in this segment include commercial real estate, multi-family dwellings, owner-occupied commercial real estate and income producing investment properties, as well as commercial construction loans for commercial development projects throughout New England. The underlying cash flows generated by the properties or operations can be adversely impacted by a downturn in the economy due to increased vacancy rates or diminished cash flows, which in turn, would have an effect on the credit quality in this segment. Management obtains financial information annually and continually monitors the cash flows of these loans.

 

Residential real estate loans. This portfolio segment consists of first mortgages, home equity loans, and home equity lines secured by one-to-four family residential properties. First mortgages may be underwritten to a maximum loan-to-value of 97% for owner-occupied homes, 90% for second homes and 85% for investment properties. Mortgages with loan-to-values greater than 80% require private mortgage insurance. We do not grant subprime loans. Home equity loans and lines are secured by first or second mortgages on one-to-four family owner-occupied properties. Equity loans and lines are underwritten to a maximum combined loan-to-value of 85% of the appraised value of the property. Underwriting approval is dependent on review of the borrower’s ability to repay and credit history in accordance with Westfield Bank’s policy. The overall health of the economy, including unemployment rates and housing pricing, will have an effect on the credit quality in this segment.

 

 

Commercial and industrial loans. Loans in this segment include commercial business loans and are generally secured by assignments of corporate assets and personal guarantees of the business owners. Repayment is expected from the cash flows of the business. A weakened economy, and resultant decreased consumer spending, will have an effect on the credit quality in this segment.

 

Consumer loans. Loans in this segment are both secured and unsecured and repayment is dependent on the credit quality of the individual borrower.

 

Discounted cash flow method (“DCF”)

 

In estimating the component of the allowance for credit losses for loans that share similar risk characteristics with other loans, such loans are segregated into loan classes. Loans are designated into loan classes based on loans pooled by product types and similar risk characteristics or areas of risk concentration. In determining the allowance for credit losses, we derive an estimated credit loss assumption from a model that categorizes loan pools based on loan type and purpose. This model calculates an expected loss percentage for each loan class by considering the probability of default, using life-of-loan analysis periods for all loan segments, and the historical severity of loss, based on the aggregate net lifetime losses incurred per loan class. The default and severity factors used to calculate the allowance for credit losses for loans that share similar risk characteristics with other loans are adjusted for differences between the historical period used to calculate historical default and loss severity rates and expected conditions over the remaining lives of the loans in the portfolio related to: (1) lending policies and procedures; (2) international, national, regional and local economic business conditions and developments that affect the collectability of the portfolio; (3) the nature and volume of the loan portfolio including the terms of the loans; (4) the experience, ability, and depth of the lending management and other relevant staff; (5) the volume and severity of past due and adversely classified loans and the volume of nonaccrual loans; (6) the quality of our loan review system and (7) the value of underlying collateral for collateralized loans. Additional factors include the existence and effect of any concentrations of credit, and changes in the level of such concentrations and the effect of external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio. Such factors are used to adjust the historical probabilities of default and severity of loss so that they reflect management expectation of future conditions based on a reasonable and supportable forecast. The Company uses regression analysis of historical internal and peer data to determine which variables are best suited to be economic variables utilized when modeling lifetime probability of default and loss given default. This analysis also determines how expected probability of default and loss given default will react to forecasted levels of the economic variables.

 

For all DCF models, management has determined that four quarters represents a reasonable and supportable forecast period and reverts back to a historical loss rate over four quarters on a straight-line basis. Other internal and external indicators of economic forecasts are also considered by management when developing the forecast metrics.

 

Individually evaluated financial assets

 

For a loan that does not share risk characteristics with other loans, expected credit loss is measured based on net realizable value, that is, the difference between the discounted value of the expected future cash flows, based on the original effective interest rate, and the amortized cost basis of the loan. For these loans, we recognize expected credit loss equal to the amount by which the net realizable value of the loan is less than the amortized cost basis of the loan (which is net of previous charge-offs and deferred loan fees and costs), except when the loan is collateral dependent, that is, when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. In these cases, expected credit loss is measured as the difference between the amortized cost basis of the loan and the fair value of the collateral. The fair value of the collateral is adjusted for the estimated cost to sell if repayment or satisfaction of a loan is dependent on the sale (rather than only on the operation) of the collateral.

 

 

Purchased Credit Deteriorated Loans

 

The Company has loans acquired with evidence of credit deterioration from Chicopee Bancorp, Inc. Prior to the adoption of CECL, these loans were accounted for under accounting guidance for purchased credit-impaired (“PCI”) loans. The Company did not elect the practical expedient to maintain pool accounting for these loans and will measure credit loss at the loan level.

 

Upon adoption of ASC 326, PCI loans are accounted for as purchase credit deteriorated (“PCD loans”). PCD loans are recorded at the amount paid. An allowance for credit losses is determined using the same methodology as other loans held for investment. The initial allowance for credit losses determined on a collective basis is allocated to individual loans. The sum of the loan’s purchase price and allowance for credit losses becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the allowance for credit losses are recorded through credit loss expense.

 

Allowance for credit losses on off-balance sheet credit exposures, including unfunded loan commitments

 

The Company maintains a separate allowance for credit losses from off-balance-sheet credit exposures, including unfunded loan commitments, which is included in other liabilities on the balance sheet. Management estimates the amount of expected losses by calculating a commitment usage factor over the contractual period for exposures that are not unconditionally cancellable by the Company and applying the loss factors used in the ACL methodology to the results of the usage calculation to estimate the liability for credit losses related to unfunded commitments for each loan type. No credit loss estimate is reported for off-balance-sheet credit exposures that are unconditionally cancellable by the Company, such as undrawn amounts under such arrangements that may be drawn prior to the cancellation of the arrangement. The allowance for credit losses on off-balance sheet credit exposures is adjusted as credit loss expense. Categories of off-balance sheet credit exposures correspond to the loan portfolio segments described above. Management evaluates the need for a reserve on unfunded loan commitments in a manner consistent with loans held for investment.

 

An analysis of changes in the allowance for credit losses by segment for the three and nine months ended September 30, 2023 and the allowance for credit losses for the three and nine months ended September 30, 2022 is as follows:

 

   Commercial
Real Estate		   Residential
Real Estate		   Commercial
and
Industrial		   Consumer   Unallocated   Total 
   (In thousands) 
                         
                         
Balance at June, 2023(2)  $15,752   $2,356   $1,487   $52   $—   $19,647 
Provision (reversal) for credit losses   (188)   31    551    15    —    409 
Charge-offs   —    —    (147)   (46)   —    (193)
Recoveries   9    2    77    27    —    115 
Balance at September 30, 2023(2)  $15,573   $2,389   $1,968   $48   $—   $19,978 
                               
Balance at December 31, 2022  $12,199   $4,312   $3,160   $245   $15   $19,931 
Cumulative effect of change in accounting principle(1)   3,989    (2,518)   (75)   (199)   (15)   1,182 
Adjusted Beginning Balance  $16,188   $1,794   $3,085    46    —   $21,113 
Provision (reversal) for credit losses   (211)   570    348    61    —    768 
Charge-offs   (414)   —    (1,561)   (116)   —    (2,091)
Recoveries   10    25    96    57    —    188 
Balance at September 30, 2023(2)  $15,573   $2,389   $1,968   $48   $—   $19,978 
                               

 

   Commercial
Real Estate		   Residential
Real Estate		   Commercial
and
Industrial		   Consumer   Unallocated   Total 
   (In thousands) 
                         
Allowance for credit losses for off-balance sheet exposures                              
                               
Balance at June 30, 2023  $395   $163   $33   $—   $—   $591 
(Reversal of) provision for credit losses   (79)   4    20    —    —    (55)
Balance at September 30, 2023  $316   $167   $53   $—   $—   $536 
                               
Balance at December 31, 2022  $—   $—   $—   $—   $—   $— 
Cumulative effect of change in accounting principle   611    267    40    —    —    918 
Reversal of credit losses   (295)   (100)   13    —    —    (382)
Balance at September 30, 2023  $316   $167   $53   $—   $—   $536 

 

 

(1)Represents the net adjustment needed to reflect the cumulative day one impact pursuant to the Company’s adoption of ASU 2016-13 (i.e., cumulative effect adjustment related to the adoption of ASU 2016-13 as of January 1, 2023). The adjustment represents a $931,000 decrease to the allowance for loans attributable to the change in accounting methodology for estimating the allowance for credit losses resulting from the Company’s adoption of the standard. The adjustment also includes the adjustment needed to reflect the day one reclassification of the Company’s PCI loan balances to PCD loan balances and the associated gross-up of $2,113,000, pursuant to the Company’s adoption of ASU 2016-13.
(2)The balance of $7.3 million and $6.8 million in accrued interest receivable is excluded from amortized cost and the calculation of the allowance for credit losses at September 30, 2023 and June 30, 2023, respectively.

 

The $354,000 provision for credit losses during the three months ended September 30, 2023 was comprised of a $409,000 provision for loan losses, which was partially offset by a $55,000 reversal of credit losses for unfunded commitments. The provision expense during the three months ended September 30, 2023 was primarily due to changes in the economic environment and related adjustments to the quantitative components of the CECL methodology. The $55,000 reversal of credit losses for unfunded commitments for the three months ended September 30, 2023 was primarily related to the impact of lower unfunded loan commitments, with off-balance sheet unfunded commitment exposures decreasing $6.7 million, or 3.7%, for the three months ended September 30, 2023. The $386,000 provision for credit losses during the nine months ended September 30, 2023 was comprised of a $768,000 provision for loan losses, which was partially offset by a $382,000 reversal of credit losses for unfunded commitments. The provision expense during the nine months ended September 30, 2023 was primarily due to changes in the economic environment and related adjustments to the quantitative components of the CECL methodology. The $382,000 reversal of credit losses for unfunded commitments for the nine months ended September 30, 2023 was primarily related to the impact of lower unfunded loan commitments, with off-balance sheet unfunded commitment exposures decreasing $36.2 million for the nine months ended September 30, 2023.

 

The following tables presents information pertaining to the allowance for credit losses by segment Pre-ASC 326 CECL adoption for the date indicated:

 

   Commercial
Real Estate		   Residential
Real Estate		   Commercial
and
Industrial		   Consumer   Unallocated   Total 
   (In thousands) 
                         
Balance at June 30, 2022  $12,483   $4,164   $2,686   $210   $17   $19,560 
Provision (credit)   68    86    481    53    (13)   675 
Charge-offs   —    —    —    (59)   —    (59)
Recoveries   —    —    14    18    —    32 
Balance at September 30, 2022  $12,551   $4,250   $3,181   $222   $4   $20,208 
                               
Balance at December 31, 2021  $12,970   $3,964   $2,643   $197   $13   $19,787 
Provision (credit)   (382)   282    538    121    (9)   550 
Charge-offs   (37)   (27)   (22)   (145)   —    (231)
Recoveries   —    31    22    49    —    102 
Balance at September 30, 2022  $12,551   $4,250   $3,181   $222   $4   $20,208 

 

 

   Commercial
Real Estate		   Residential
Real Estate		   Commercial
and
Industrial		   Consumer   Unallocated   Total 
   (In thousands) 
December 31, 2022                        
Amount of allowance for impaired loans  $ —   $ —   $ —   $ —   $ —   $ — 
Amount of allowance for non-impaired loans   12,199    4,312    3,160    245    15    19,931 
Total allowance for credit losses  $12,199   $4,312   $3,160   $245   $15   $19,931 
                               
Impaired loans  $9,178   $3,623   $407   $—   $—   $13,208 
Non-impaired loans   1,056,886    689,776    219,163    5,045    —    1,970,870 
Impaired loans acquired with deteriorated credit quality   3,259    1,661    278    —    —    5,198 
Total loans  $1,069,323   $695,060   $219,848   $5,045   $—   $1,989,276 

 

Past Due and Nonaccrual Loans.

 

The following tables present an age analysis of past due loans as of the dates indicated:

 

   30 – 59
Days Past
Due		   60 – 89
Days Past
Due		   90 Days
or  More
Past Due		  

Total

Past Due
Loans

  

Total

Current
Loans

  

Total

Loans

   Nonaccrual
Loans		 
   (In thousands) 
September 30, 2023                            
Commercial real estate  $940   $92   $595   $1,627   $1,078,734   $1,080,361   $1,662 
                                    
Residential real estate:                                   
Residential one-to-four family   2,539    266    683    3,488    602,733    606,221    4,030 
Home equity   83    100    13    196    107,365    107,561    130 
Total:   2,622    366    696    3,684    710,098    713,782    4,160 
                                    
Commercial and industrial   75    —    236    311    212,266    212,577    459 
Consumer   2    —    —    2    5,766    5,768    9 

Total loans

  $3,639   $458   $1,527   $5,624   $2,006,864   $2,012,488   $6,290 
                                    
December 31, 2022                                   
Commercial real estate  $—   $211   $1,404   $1,615   $1,067,708   $1,069,323   $1,933 
                                    
Residential real estate:                                   
Residential one-to-four family   1,768    100    414    2,282    587,221    589,503    3,290 
Home equity   209    97    51    357    105,200    105,557    181 
Total:   1,977    197    465    2,639    692,421    695,060    3,471 
                                    
Commercial and industrial   170    10    22    202    219,646    219,848    290 
Consumer   13    —    —    13    5,032    5,045    — 
Total loans  $2,160   $418   $1,891   $4,469   $1,984,807   $1,989,276   $5,694 

 

At September 30, 2023 and December 31, 2022, total past due loans totaled $5.6 million, or 0.28% of total loans, and $4.5 million, or 0.22% of total loans, respectively.

 

 

Nonaccrual Loans.

 

Accrual of interest on loans is generally discontinued when contractual payment of principal or interest becomes past due 90 days or, if in management's judgment, reasonable doubt exists as to the full timely collection of interest. Exceptions may be made if the loan has matured and is in the process of renewal or is well-secured and in the process of collection. When a loan is placed on nonaccrual status, interest accruals cease and uncollected accrued interest is reversed and charged against current interest income. Interest payments on nonaccrual loans are generally applied to principal. If collection of the principal is reasonably assured, interest payments are recognized as income on the cash basis. Loans are generally returned to accrual status when principal and interest payments are current, full collectability of principal and interest is reasonably assured and a consistent record of at least six consecutive months of performance has been achieved.

 

The following table presents information regarding nonaccrual loans as of the date indicated:

 

                                   
   As of September 30, 2023(1)   For the Nine
Months Ended
September 30,
2023		 
   Nonaccrual
Loans with
Allowance for
Credit Loss		   Nonaccrual
Loans Without
Allowance for
Credit Loss		  

Total

Nonaccrual
Loans

   Amortized Cost
of Loans
Greater than
90 Days Past
Due and Still
Accruing		   Accrued
Interest
Receivable
Reversed from
Income		 
   (In thousands) 
         
Commercial real estate  $—   $1,662   $1,662   $—   $85 
Residential real estate:                         
Residential   —    4,030    4,030    —    131 
Home equity   —    130    130    —    9 
Commercial and industrial   —    459    459    —    131 
Consumer   —    9    9    —    — 
Total loans  $—   $6,290   $6,290   $—   $356 

 

 

(1)The Company adopted ASU 2016-13 as of January 1, 2023.

 

At September 30, 2023 and December 31, 2022, nonaccrual loans totaled $6.3 million, or 0.31% of total loans, and $5.7 million, or 0.29%, of total loans, respectively. The Company did not recognize any interest income on nonaccrual loans for the nine months ended September 30, 2023 and for the year ended December 31, 2022. At September 30, 2023 and December 31, 2022, there were no commitments to lend additional funds to any borrower on nonaccrual status.

 

Individually Evaluated Loans.

 

In connection with the adoption of ASU-2106-13, the Company no longer provides information on impaired loans. A loan is considered individually evaluated when, based on current information and events, the borrower is experiencing financial difficulty and repayment, both principal and interest, is expected to be provided substantially through the operation or sale of the collateral. At September 30, 2023, the Company had $14.5 million in individually evaluated commercial loans, collateralized by business assets, and $17.3 million in individually evaluated real estate loans, collateralized by real estate property.

 

 

The following table summarizes the Company’s individually evaluated loans by class as of September 30, 2023:

 

   Recorded
Investment		   Related
Allowance		 
   (In thousands) 
With no related allowance recorded:          
Commercial real estate  $11,256   $— 
Residential real estate:          
Residential one-to-four family   5,936    — 
Home equity   143    — 
Commercial and industrial   13,989    — 
Consumer   9    — 
Loans with no related allowance recorded  $31,333   $— 
           
With an allowance recorded:          
Commercial real estate  $—   $— 
Residential real estate:          
Residential one-to-four family   —    — 
Home equity   —    — 
Commercial and industrial   517    179 
Consumer   —    — 
Loans with an allowance recorded  $517   $179 
Total individually evaluated loans  $31,850   $179 

 

Pre-ASC 326 CECL adoption impaired loan information as of December 31, 2022 is as follows:

 

               Nine Months Ended 
   At December 31, 2022   September 30, 2022 
   Recorded
Investment		   Unpaid
Principal
Balance		   Related
Allowance		   Average
Recorded
Investment		   Interest
Income
Recognized		 
   (In thousands) 
Impaired Loans (1)                         
Commercial real estate  $12,437   $13,795   $—   $13,648   $217 
Residential real estate:                         
Residential one-to-four family   5,088    5,823    —    4,716    45 
Home equity   196    214    —    162    1 
Commercial and industrial   685    3,095    —    936    56 
Consumer   —    —    —    3    — 
Total impaired loans  $18,406   $22,927   $—   $19,465   $319 
   
(1)Includes loans acquired with deteriorated credit quality and performing troubled debt restructurings.

 

Modified Loans.

 

Loans are designated as modified when, as part of an agreement to modify the original contractual terms of the loan as a result of financial difficulties of the borrower, the Company grants the borrower a concession on the terms that would not otherwise be considered. Typically, such concessions may consist of a reduction in interest rate to a below market rate, taking into account the credit quality of the note, extension of additional credit based on receipt of adequate collateral, or a deferment or reduction of payments (principal or interest) which materially alters the Company's position or significantly extends the note's maturity date, such that the present value of cash flows to be received is materially less than those contractually established at the loan's origination.

 

There were no loan modifications during the nine months ended September 30, 2023 and for the year ended December 31, 2022. During the nine months ended September 30, 2023 and 2022, no modified loans defaulted (defined as 30 days or more past due) within 12 months of restructuring. There were no charge-offs on modified loans during the nine months ended September 30, 2023 or 2022.

 

 

Credit Quality Information.

 

The Company utilizes an eight-grade internal loan rating system for commercial real estate and commercial and industrial loans. Performing residential real estate, home equity and consumer loans are grouped with “Pass” rated loans. Nonperforming residential real estate, home equity and consumer loans are risk rated as “substandard” and individually evaluated.

 

Loans rated 1 – 4: Loans rated 1-4 represent groups of loans that are not subject to adverse criticism as defined in regulatory guidance. Loans in these groups exhibit characteristics that represent acceptable risk.

 

Loans rated 5: Loans rated 5 are considered “Special Mention” and may exhibit potential credit weaknesses or downward trends and are being monitored by management. Loans in this category are currently protected based on collateral and repayment capacity and do not constitute undesirable credit risk, but have potential weakness that may result in deterioration of the repayment process at some future date. This classification is used if a negative trend is evident in the obligor’s financial situation. Special mention loans do not sufficiently expose the Company to warrant adverse classification.

 

Loans rated 6: Loans rated 6 are considered “Substandard.” A loan is classified as substandard if the borrower exhibits a well-defined weakness and may be inadequately protected by the current net worth and cash flow capacity to pay the current debt.

 

Loans rated 7: Loans rated 7 are considered “Doubtful.” Loans classified as doubtful have all the weaknesses inherent in those classified substandard with the added characteristic that the weaknesses make collection or liquidation of the loan highly questionable and improbable. The possibility of some loss is extremely high, but because of specific pending factors that may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined.

 

Loans rated 8: Loans rated 8 are considered uncollectible. The loss classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off the asset because recovery and collection time may be affected in the future.

 

On an annual basis, or more often if needed, we formally review the ratings on all commercial real estate and commercial and industrial loans. In addition, management utilizes delinquency reports, the criticized loan report and other loan reports to monitor credit quality. In addition, at least on an annual basis, the Company contracts with an external loan review company to review the internal credit ratings assigned to loans in the commercial loan portfolio on a pre-determined schedule, based on the type, size, rating, and overall risk of the loan. During the course of its review, the third party examines a sample of loans, including new loans, existing relationships over certain dollar amounts and classified assets.

 

The following table details the amortized cost balances of the Company’s loan portfolio presented by risk rating and origination year as of the periods presented. In addition, payment activity has been included as an additional credit quality indicator:

 

 

                                                             
   Term Loan Origination by Year   Revolving Loans     
   September 30,
2023		   2022   2021   2020   2019   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
                                     
Commercial Real Estate:                                             
Pass (Rated 1- 4)  $34,695   $176,724   $230,571   $115,495   $90,600   $330,324   $75,495   $6,005   $1,059,909 
Special Mention (Rated 5)   —    —    —    184    2,483    5,994    164    —    8,825 
Substandard (Rated 6)   —    —    —    8,142    —    3,485    —    —    11,627 
Total commercial real estate loans  $34,695   $176,724   $230,571   $123,821   $93,083   $339,803   $75,659   $6,005   $1,080,361 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $414   $—   $—   $414 
                                              
Payment Performance:                                             
Performing  $34,695   $176,724   $230,571   $123,821   $93,083   $338,141   $75,659   $6,005   $1,078,699 
Nonperforming   —    —    —    —    —    1,662    —    —    1,662 
                                              
Residential One-to-Four Family:                                             
Pass  $42,352   $87,316   $96,136   $128,473   $55,057   $181,613   $10,301   $—   $601,248 
Substandard   —    447    —    336    —    4,190    —    —    4,973 
Total residential one-to-four family  $42,352   $87,763   $96,136   $128,809   $55,057   $185,803   $10,301   $—   $606,221 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $42,352   $87,316   $96,136   $128,473   $55,057   $182,556   $10,301   $—   $602,191 
Nonperforming   —    447    —    336    —    3,247    —    —    4,030 
                                              
Home Equity:                                             
Pass  $7,507   $11,362   $7,085   $7,312   $5,614   $7,722   $58,342   $2,487   $107,431 
Substandard   —    —    —    —    —    —    92    38    130 
Total home equity loans  $7,507   $11,362   $7,085   $7,312   $5,614   $7,722   $58,434   $2,525   $107,561 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $7,507   $11,362   $7,085   $7,312   $5,614   $7,722   $58,342   $2,487   $107,431 
Nonperforming   —    —    —    —    —    —    92    38    130 

 

 

   Term Loans Originated by Year   Revolving Loans     
   September 30,
2023		   2022   2021   2020   2019   Prior   Revolving Loans   Revolving
Loans
Converted to
Term Loans		   Total 
   (Dollars in thousands) 
Commercial and Industrial:                                             
Pass (Rated 1- 4)  $20,989   $37,264   $25,984   $21,718   $20,586   $9,985   $55,938   $71   $192,535 
Special Mention (Rated 5)   —    111    157    —    19    605    2,268    —    3,160 
Substandard (Rated 6)   —    —    1,506    8,581    4    19    6,772    —    16,882 
Total commercial and industrial loans  $20,989   $37,375   $27,647   $30,299   $20,609   $10,609   $64,978   $71   $212,577 
                                              
Current period gross charge-offs  $—   $147   $—   $—   $—   $221   $—   $1,193   $1,561 
                                              
Payment Performance:                                             
Performing  $20,989   $37,375   $27,647   $30,299   $20,609   $10,601   $64,527   $71   $212,118 
Nonperforming   —    —    —    —    —    8    451    —    459 
                                              
Consumer:                                             
Pass  $2,097   $1,633   $596   $322   $101   $209   $784   $—   $5,742 
Substandard   —    —    —    —    —    26    —    —    26 
Total consumer loans  $2,097   $1,633   $596   $322   $101   $235   $784   $—   $5,768 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $3   $113   $116 
                                              
Payment Performance:                                             
Performing  $2,097   $1,633   $596   $322   $101   $227   $783   $—   $5,759 
Nonperforming   —    —    —    —    —    8    1    —    9 

 

The following table presents our loans by risk rating as of December 31, 2022 Pre-ASC 326 CECL adoption:

 

   Commercial Real
Estate		   Residential
1-4 Family		   Home
Equity		   Commercial
and Industrial		   Consumer   Total 
   (In thousands) 
December 31, 2022                        
Pass (Rated 1 - 4)  $1,036,337   $585,292   $105,248   $193,415   $5,027   $1,925,319 
Special Mention (Rated 5)   16,035    —    —    5,623    —    21,658 
Substandard (Rated 6)   16,951    4,211    309    20,810    18    42,299 
Total  $1,069,323   $589,503   $105,557   $219,848   $5,045   $1,989,276 
XML 25 R15.htm IDEA: XBRL DOCUMENT v3.23.3
GOODWILL AND OTHER INTANGIBLES
 9 Months Ended
Sep. 30, 2023
Goodwill and Intangible Assets Disclosure [Abstract]  
GOODWILL AND OTHER INTANGIBLES

 

6.GOODWILL AND OTHER INTANGIBLES

 

Goodwill

 

At September 30, 2023 and December 31, 2022, the Company’s goodwill balance of $12.5 million was related to the acquisition of Chicopee Bancorp, Inc. in October 2016. There was no goodwill impairment recorded during the three months ended September 30, 2023 or the year ended December 31, 2022. Annually, or more frequently if events or changes in circumstances warrant such evaluation, the Company evaluates its goodwill for impairment.

 

Core Deposit Intangible

 

In connection with the acquisition of Chicopee Bancorp, Inc., the Bank recorded a core deposit intangible of $4.5 million which is amortized over twelve years using the straight-line method. Amortization expense was $282,000 for the nine months ended September 30, 2023 and 2022, respectively. At September 30, 2023, future amortization of the core deposit intangible totaled $375,000 for each of the next five years and $31,000 thereafter.
XML 26 R16.htm IDEA: XBRL DOCUMENT v3.23.3
SHARE-BASED COMPENSATION
 9 Months Ended
Sep. 30, 2023
Share-Based Payment Arrangement [Abstract]  
SHARE-BASED COMPENSATION

 

7.SHARE-BASED COMPENSATION

 

Restricted Stock Awards.

 

In May 2014, the Company’s shareholders approved the 2014 Omnibus Incentive Plan, a stock-based compensation plan (the “2014 Incentive Plan”). Under the 2014 Incentive Plan, up to 516,000 shares of the Company’s common stock were reserved for grants of stock awards, including stock options and restricted stock, which may be granted to any officer, key employee or non-employee director of WNEB. Any shares that are not issued because vesting requirements are not met were available for future issuance under the 2014 Incentive Plan.

 

On an annual basis, the Compensation Committee (the “Committee”) approves long-term incentive awards out of the 2014 Incentive Plan, whereby shares will be granted to eligible participants of the Company that are nominated by the Chief Executive Officer and approved by the Committee, with vesting over a three-year term for employees and a one-year term for directors. Annual employee grants provide for a periodic award that is both performance and time-based and is designed to recognize the executive’s responsibilities, reward performance and leadership and as a retention tool. The objective of the award is to align compensation for the named executive officers and directors over a multi-year period directly with the interests of our shareholders by motivating and rewarding creation and preservation of long-term financial strength, shareholder value and relative shareholder return.

 

In February 2020, 120,053 shares were granted under the 2020 Long-Term Incentive Plan (the “2020 Incentive Plan”). Of the 120,053 shares, 69,898 shares were time-based, with 19,760 vesting in one year and 50,138 vesting ratably over a three-year period. The remaining 50,155 shares granted are performance-based and are subject to the achievement of the 2020 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2020 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and stretch absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

 

 

The threshold, target and stretch metrics under the 2020 Incentive Plan are as follows:

 

                 
     Return on Equity Metrics 
Performance Period Ending   Threshold   Target   Stretch 
                 
December 31, 2020    5.00%   5.48%   6.00%
December 31, 2021    5.62%   6.24%   6.86%
December 31, 2022    6.29%   6.99%   7.69%

 

                 
     Earnings Per Share Metrics 
Performance Period Ending    Threshold   Target   Stretch 
                  
Three-year Cumulative Diluted Earnings Per Share    $1.50   $1.65   $1.80 

 

Eligible participants will be able to earn between 50% (“threshold” performance), 100% (“target” performance) and 150% (“stretch” performance). As of December 31, 2022, the three-year performance period for the 2020 Incentive Plan grants ended. The 2020 Incentive Plan included a “catch-up” provision allowing for any unearned performance-based shares from the 2020 and 2021 performance periods to be earned at the end of the three-year period based on the final year performance. Of the original 50,155 performance-based shares granted in 2020 based on achieving target, 59,268 performance-based shares were eligible for vesting during the first quarter of 2023 based on achieving stretch.

 

The fair market value of shares awarded is based on the market price at the grant date, recorded as unearned compensation and amortized over the applicable vesting period. Performance-based metrics are monitored on a quarterly basis in order to compare actual results to the performance metric, with any necessary adjustments being recognized through share-based compensation expense and unearned compensation.

 

In May 2021, the Company’s shareholders approved the 2021 Omnibus Incentive Plan, a stock-based compensation plan (the “2021 Incentive Plan”). Under the 2021 Incentive Plan, up to 700,000 shares of the Company’s common stock were reserved for grants of stock awards, including stock options and restricted stock, which may be granted to any officer, key employee or non-employee director of the Company. Any shares that are not issued because vesting requirements are not met will be available for future issuance under the 2021 Incentive Plan.

 

In May 2021, 122,362 shares were granted under the 2021 Long-Term Incentive Plan (the “2021 Incentive Plan”). Of the 122,362 shares, 61,181 shares were time-based, vesting ratably over a three-year period. The remaining 61,181 shares granted are performance-based and are subject to the achievement of the 2021 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2021 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and stretch absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

 

The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows:

 

                 
    Return on Equity Metrics 
Performance Period Ending   Threshold   Target   Stretch 
              
December 31, 2021    5.63%    6.25%    7.50% 
December 31, 2022    5.85%    6.50%    7.80% 
December 31, 2023    6.08%    6.75%    8.10% 

 

                 
     Earnings Per Share Metrics 
Performance Period Ending    Threshold   Target   Stretch 
               
Three-year Cumulative Diluted Earnings Per Share    $1.58   $1.97   $2.36 

 

In March 2022, 137,151 shares were granted under the 2022 Long-Term Incentive Plan (the “2022 Incentive Plan”). Of the 137,151 shares, 77,463 shares were time-based, with 17,775 vesting in one year and 59,688 vesting ratably over a three-year period. The remaining 59,688 shares granted are performance-based and are subject to the achievement of the 2022 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2022 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and stretch absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

 

The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows:

 

                 
    Return on Equity Metrics
Performance Period Ending   Threshold  Target  Stretch
           
December 31, 2022    7.79%   8.20%   8.61%
December 31, 2023    7.93%   8.35%   8.77%
December 31, 2024    8.03%   8.45%   8.87%

 

                 
     Earnings Per Share Metrics 
Performance Period Ending    Threshold   Target   Stretch 
               
Three-year Cumulative Diluted Earnings Per Share    $2.35   $2.61   $2.85 

 

In March 2023, 139,196 shares were granted under the 2023 Long-Term Incentive Plan (the “2023 Incentive Plan”). Of the 139,196 shares, 78,697 shares were time-based, with 18,198 vesting in one year and 60,499 vesting ratably over a three-year period. The remaining 60,499 shares granted are performance-based and are subject to the achievement of the 2023 Incentive Plan performance metrics, with 50% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2023 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and stretch absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a three-year cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.

 

The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows:

 

                 
    Return on Equity Metrics
Performance Period Ending   Threshold  Target  Stretch
           
December 31, 2023    8.00%   8.45%     8.85%
December 31, 2024    8.75%   9.25%     9.75%
December 31, 2025    9.00%   9.50%   10.00%

 

                 
     Earnings Per Share Metrics 
Performance Period Ending    Threshold   Target   Stretch 
               
Three-year Cumulative Diluted Earnings Per Share    $2.39   $2.65   $2.89 

 

At September 30, 2023, there were 304,033 remaining shares available to grant under the 2021 Incentive Plan.

 

 

A summary of the status of restricted stock awards at September 30, 2023 and September 30, 2022 is presented below:

 

   Shares  

Weighted Average
Grant Date Fair
Value

($)

 
Balance at December 31, 2022   206,092    8.85 
Shares granted   158,957    9.79 
Shares vested   (66,817)   9.07 
Balance at September 30, 2023   298,232    9.30 

 

   Shares  

Weighted Average
Grant Date Fair
Value

($)

 
Balance at December 31, 2021   213,381    8.91 
Shares granted   144,440    9.14 
Shares forfeited   (24,440)   8.73 
Shares vested   (60,009)   9.77 
Balance at September 30, 2022   273,372    8.86 

 

We recorded total expense for restricted stock awards of $1.1 million and $804,000 for the nine months ended September 30, 2023 and 2022, respectively.
XML 27 R17.htm IDEA: XBRL DOCUMENT v3.23.3
SHORT-TERM BORROWINGS AND LONG-TERM DEBT
 9 Months Ended
Sep. 30, 2023
Debt Disclosure [Abstract]  
SHORT-TERM BORROWINGS AND LONG-TERM DEBT

8. SHORT-TERM BORROWINGS AND LONG-TERM DEBT

 

We utilize short-term borrowings and long-term debt as additional sources of funds to finance our lending and investing activities and to provide liquidity for daily operations. Total borrowing capacity includes borrowing arrangements at the FHLB, the Federal Reserve Bank (“FRB”), and borrowing arrangements with correspondent banks.

 

Short-term borrowings can consist of FHLB advances with an original maturity of less than one year, overnight Ideal Way line of credit advances and other borrowings held as collateral for customer swap arrangements. Other borrowings totaled $8.9 million with a weighted average rate of 5.33% at September 30, 2023, compared to $6.4 million with a weighted average rate of 4.33% at December 31, 2022. Short-term borrowings issued by the FHLB were $35.0 million with a weighted average rate of 4.38% at December 31, 2022. There were no short-term borrowings issued by the FHLB outstanding at September 30, 2023.

 

FHLB advances provide more pricing and option alternatives for particular asset/liability needs. The FHLB provides a central credit facility primarily for member institutions. As an FHLB member, the Company is required to own capital stock of the FHLB, calculated periodically based primarily on its level of borrowings from the FHLB. FHLB borrowings are secured by certain securities from the Company’s investment portfolio not otherwise pledged as well as certain residential real estate and commercial real estate loans. Advances are made under several different credit programs with different lending standards, interest rates and range of maturities. This relationship is an integral component of the Company’s asset-liability management program. At September 30, 2023, the Bank had $542.0 million in additional borrowing capacity from the FHLB.

 

The Company also has an available overnight Ideal Way line of credit with the FHLB of $9.5 million. Interest on this line of credit is payable at a rate determined and reset by the FHLB on a daily basis. The outstanding principal is due daily but the portion not repaid will be automatically renewed. The Company has an available line of credit of $48.4 million with the FRB Discount Window at an interest rate determined and reset on a daily basis. Borrowings from the FRB Discount Window are secured by certain securities from the Company’s investment portfolio not otherwise pledged. As of September 30, 2023 and December 31, 2022, there were no advances outstanding under either of these lines.

 

The Company also has pre-established, non-collateralized overnight borrowing arrangements with large national and regional correspondent banks to provide additional overnight and short-term borrowing capacity for the Company. The Company has a $15.0 million line of credit with a correspondent bank and a $10.0 million line of credit with another correspondent bank, both at an interest rate determined and reset on a daily basis. As of September 30, 2023 and December 31, 2022, there were no advances outstanding under these lines.

 

 

Long-term debt consists of FHLB and FRB advances with an original maturity of one year or more. On March 12, 2023, the FRB made available the BTFP, which enhances the ability of banks to borrow greater amounts against certain high-quality, unencumbered investments at par value. During the nine months ended September 30, 2023, the Company participated in the BTFP, which enabled the Company to pay off higher rate FHLB advances. With the BTFP, the Company has the ability to pay off the BTFP advance prior to maturity without incurring a penalty or termination fee.

 

At September 30, 2023, long-term debt consisted of $31.2 million in outstanding advances with the FHLB with a weighted average fixed rate of 4.72% and $90.0 million in outstanding advances under the BTFP with a weighted average fixed rate of 4.71%, compared to $1.2 million in long-term debt with the FHLB at December 31, 2022. There were no advances outstanding with the FRB under the BTFP at December 31, 2022. At September 30, 2023, the Company had $25.3 million in available borrowing capacity under the BTFP.
XML 28 R18.htm IDEA: XBRL DOCUMENT v3.23.3
SUBORDINATED DEBT
 9 Months Ended
Sep. 30, 2023
Debt Disclosure [Abstract]  
SUBORDINATED DEBT

9. SUBORDINATED DEBT

 

On April 20, 2021, the Company completed an offering of $20.0 million in aggregate principal amount of its 4.875% fixed-to-floating rate subordinated notes (the “Notes”) to certain qualified institutional buyers in a private placement transaction. At March 31, 2023, $19.7 million aggregate principle amount of the Notes was outstanding.

 

Unless earlier redeemed, the Notes mature on May 1, 2031. The Notes will bear interest from the initial issue date to, but excluding, May 1, 2026, or the earlier redemption date, at a fixed rate of 4.875% per annum, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year, beginning August 1, 2021, and from and including May 1, 2026, but excluding the maturity date or earlier redemption date, equal to the benchmark rate, which is the 90-day average secured overnight financing rate, plus 412 basis points, determined on the determination date of the applicable interest period, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year. The Company may also redeem the Notes, in whole or in part, on or after May 1, 2026, and at any time upon the occurrence of certain events, subject in each case to the approval of the Board of Governors of the Federal Reserve System (the “Federal Reserve”). The Notes were designed to qualify as Tier 2 capital under the Federal Reserve’s capital adequacy regulations.

 

The Notes are presented net of issuance costs of $298,000 as of September 30, 2023, which are being amortized into interest expense over the life of the Notes. Amortization of issuance costs into interest expense was $29,000 and $30,000 for the nine months ended September 30, 2023 and 2022, respectively.
XML 29 R19.htm IDEA: XBRL DOCUMENT v3.23.3
PENSION BENEFITS
 9 Months Ended
Sep. 30, 2023
Retirement Benefits [Abstract]  
PENSION BENEFITS

10. PENSION BENEFITS

 

The Board of Directors previously announced the termination of the Westfield Bank Defined Benefit Pension Plan (the “DB Plan”) on October 31, 2022, subject to pending regulatory approval. At December 31, 2022, the Company reversed $7.3 million in net unrealized losses recorded in accumulated other comprehensive income attributed to both the DB plan curtailment resulting from the termination of the DB Plan as well as changes in discount rates. In addition, during the three months ended December 31, 2022, the Company recorded a gain on curtailment of $2.8 million through non-interest income. On April 11, 2023, the Company made an additional cash contribution of $1.3 million in order to fully fund the DB Plan on a plan termination basis, and on April 14, 2023, for those participants who did not opt for a one-time lump sum payment, the Company funded $6.3 million to purchase a group annuity contract to transfer its remaining liabilities under the DB Plan. On June 30, 2023, the Company recognized the final settlement expense of $1.1 million related to the DB Plan termination, which was recorded through non-interest income.

 

 

The following table provides information regarding net pension benefit costs for the periods shown:

 

                 
   Three Months Ended   Nine Months Ended, 
   September 30,   September 30, 
   2023   2022   2023   2022 
   (In thousands) 
Service cost  $—   $334   $—   $1,002 
Interest cost   —    312    487    937 
Expected return on assets   —    (426)   (333)   (1,279)
Amortization of actuarial loss   —    158    —    475 
Net periodic pension cost  $—   $378   $154   $1,135 

 
XML 30 R20.htm IDEA: XBRL DOCUMENT v3.23.3
DERIVATIVES AND HEDGING ACTIVITIES
 9 Months Ended
Sep. 30, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
DERIVATIVES AND HEDGING ACTIVITIES

11. DERIVATIVES AND HEDGING ACTIVITIES

 

Risk Management Objective of Using Derivatives.

 

The Company is exposed to certain risks arising from both our business operations and economic conditions. We principally manage our exposures to a wide variety of business and operational risks through management of our core business activities. We manage economic risks, including interest rate, liquidity, and credit risk, primarily by managing the amount, sources, and duration of our assets and liabilities and the use of derivative financial instruments. Specifically, we entered into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. Our derivative financial instruments are used to manage differences in the amount, timing, and duration of our known or expected cash receipts and our known or expected cash payments principally related to certain variable rate loan assets and variable rate borrowings.

 

Fair Value Hedges of Interest Rate Risk.

 

The Company is exposed to changes in the fair value of certain pools of fixed-rate assets due to changes in benchmark interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in the designated benchmark interest rate. The Company's interest rate swaps designated as fair value hedges involve the payment of fixed-rate amounts to a counterparty in exchange for the Company receiving variable-rate payments over the life of the agreements without the exchange of the underlying notional amount.

 

For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in interest income.

 

As of September 30, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:

 

Item in the Balance Sheet in which the Hedged Item is Included  Carrying Amount of Hedged
Assets/(Liabilities)		   Cumulative Amount of Fair Value
Hedging Adjustments Included in the
Carrying Amount of Hedged
Assets/(Liabilities)		 
  

At

September 30,
2023

  

At

December 31,
2022

  

At

September 30,
2023

  

At

December 31,
2022

 
   (In thousands) 
Loans  $198,237   $—   $(1,763)  $— 
Total  $198,237   $—   $(1,763)  $— 

 

These amounts include the amortized cost basis of closed portfolios of fixed rate residential loans used to designate hedging relationships in which the hedged item is the stated amount of assets in the closed portfolio anticipated to be outstanding for the designated hedged period. At September 30, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was $473.1 million; the cumulative basis adjustments associated with these hedging relationships was approximately $1.8 million; and the notional amount of the designated hedged items were approximately $200.0 million. The Company had no fair value hedges at December 31, 2022. The notional amounts of these agreements do not represent amounts exchanged by the parties and, thus, are not a measure of the potential loss exposure. At September 30, 2023, the Company’s fair value hedges had a remaining maturity of 1.1 years, and an average fixed rate of 4.43%.

 

 

Non-hedging Derivatives.

 

Derivatives not designated as hedges are not speculative, but rather result from a service the Company provides to certain customers. The Company executes loan-level derivative products such as interest-rate swap agreements with commercial banking customers to aid them in managing their interest-rate risk by converting floating-rate loan payments to fixed-rate loan payments. The Company concurrently enters into offsetting swaps with a third-party financial institution, effectively minimizing the Company’s net risk exposure resulting from such transactions. The third-party financial institution exchanges the customer's fixed-rate loan payments for floating-rate loan payments. As the interest-rate swap agreements associated with this program do not meet hedge accounting requirements, changes in the fair value are recognized directly in earnings.

 

Fair Values of Derivative Instruments on the Balance Sheet.

 

The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of September 30, 2023 and December 31, 2022.

 

September 30, 2023  Asset Derivatives  Liability Derivatives
   Balance Sheet Location  Fair Value   Balance Sheet Location  Fair Value 
   (In thousands)
Hedging Derivatives                
Interest rate swaps - fair value hedges     $1,799      $— 
Derivatives not designated as hedging instruments:                
Interest rate swap – with customer counterparties      —       7,087 
Interest rate swap – with dealer counterparties      7,087       — 
Total derivatives  Other Assets  $8,886   Other Liabilities  $7,087 

 

December 31, 2022  Asset Derivatives  Liability Derivatives
   Balance Sheet Location  Fair Value   Balance Sheet Location  Fair Value 
   (In thousands)
Derivatives not designated as hedging instruments:              
Interest rate swap – with customer counterparties     $—      $6,343 
Interest rate swap – with dealer counterparties      6,343       — 
Total derivatives not designated as hedging instruments  Other Assets  $6,343   Other Liabilities  $6,343 

 

 

Effect of Derivative Instruments in the Consolidated Statements of Net Income.

 

The table below presents the effect of the Company’s derivative financial instruments on the statements of net income as of September 30, 2023 and September 30, 2022.

 

  

 

  

 

  

 

  

 

 
  

Location and Amount of Gain (Loss) Recognized in Income on

Fair Value Hedging Relationships

 
  

Three Months Ended

September 30, 2023

  

Three Months Ended

September 30, 2022

  

Nine Months Ended

September 30, 2023

  

Nine Months Ended

September 30, 2022

 
   (In thousands) 
    Interest Income    Interest Income    Interest Income    Interest Income 
Total amounts of income line items presented in the statements of net income in which the effects of fair value hedges are recorded  $406   $—   $627   $— 
                     
Gain (loss) on fair value hedging relationships                    
Interest rate contracts:                    
Hedged items  $(104)   —   $(1,763)   — 
Derivatives designated as hedging instruments   510    —    2,390    — 

 

 

There were no gains or losses recognized in accumulated other comprehensive income during the nine months ended September 30, 2023 or 2022.

 

Credit-risk-related Contingent Features

 

By using derivative financial instruments, we expose ourselves to credit risk. Credit risk is the risk of failure by the counterparty to perform under the terms of the derivative contract. When the fair value of a derivative contract is positive, the counterparty owes us, which creates credit risk for us. When the fair value of a derivative is negative, we owe the counterparty and, therefore, it does not possess credit risk. The credit risk in derivative instruments is mitigated by entering into transactions with highly-rated counterparties that we believe to be creditworthy and by limiting the amount of exposure to each counterparty.

 

We have agreements with our derivative counterparties that contain a provision where if we default on any of our indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then we could also be declared in default on our derivative obligations. We also have agreements with certain of our derivative counterparties that contain a provision where if we fail to maintain our status as well capitalized, then the counterparty could terminate the derivative positions and we would be required to settle our obligations under the agreements. Certain of our agreements with our derivative counterparties contain provisions where if a formal administrative action by a federal or state regulatory agency occurs that materially changes our creditworthiness in an adverse manner, we may be required to fully collateralize our obligations under the derivative instrument.

 

At September 30, 2023, we had minimum collateral posting thresholds with certain of our derivative counterparties. As of September 30, 2023, we were not required to post collateral under these agreements because we did not have any derivatives in a liability position with those counterparties.
XML 31 R21.htm IDEA: XBRL DOCUMENT v3.23.3
FAIR VALUE OF ASSETS AND LIABILITIES
 9 Months Ended
Sep. 30, 2023
Fair Value Disclosures [Abstract]  
FAIR VALUE OF ASSETS AND LIABILITIES

12. FAIR VALUE OF ASSETS AND LIABILITIES

 

Determination of Fair Value.

 

We use fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for our various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument.

 

Methods and assumptions for valuing our financial instruments are set forth below. Estimated fair values are calculated based on the value without regard to any premium or discount that may result from concentrations of ownership of a financial instrument, possible tax ramifications or estimated transaction cost.

 

Securities. The securities measured at fair value in Level 1 are based on quoted market prices in an active exchange market. All other securities are measured at fair value in Level 2 and are based on pricing models that consider standard input factors such as observable market data, benchmark yields, interest rate volatilities, broker/dealer quotes, credit spreads and new issue data. These securities include government-sponsored enterprise obligations, state and municipal obligations, corporate bonds, residential mortgage-backed securities guaranteed and sponsored by the U.S. government or an agency thereof. Fair value measurements are obtained from a third-party pricing service and are not adjusted by management.

 

 

Interest rate swaps. The valuation of our interest rate swaps is obtained from a third-party pricing service and is determined using a discounted cash flow analysis on the expected cash flows of each derivative. The pricing analysis is based on observable inputs for the contractual terms of the derivatives, including the period to maturity and interest rate curves. We have determined that the majority of the inputs used to value our interest rate derivatives fall within Level 2 of the fair value hierarchy.

 

Assets and Liabilities Measured at Fair Value on a Recurring Basis.

 

Assets and liabilities measured at fair value on a recurring basis are summarized below:

 

                               
   September 30, 2023 
   Level 1   Level 2   Level 3   Total 
Assets:  (In thousands) 
Available-for-sale securities  $—   $130,709   $—   $130,709 
Interest rate swaps   —    8,886    —    8,886 
Total assets  $—   $139,595   $—   $139,595 
                     
Liabilities:                    
Interest rate swaps  $—   $7,087   $—   $7,087 

 

                     
   December 31, 2022 
   Level 1   Level 2   Level 3   Total 
Assets:  (In thousands) 
Available-for-sale securities  $—   $146,997   $—   $146,997 
Marketable equity securities   6,237    —    —    6,237 
Interest rate swaps   —    6,343    —    6,343 
Total assets  $6,237   $153,340   $—   $159,577 
                     
Liabilities:                    
Interest rate swaps  $—   $6,343   $—   $6,343 

 

There were no transfers to or from Level 1 and 2 for assets measured at fair value on a recurring basis at September 30, 2023 and December 31, 2022.

 

Assets Measured at Fair Value on a Non-recurring Basis.

 

We may also be required, from time to time, to measure certain other financial assets at fair value on a nonrecurring basis in accordance with generally accepted accounting principles. These adjustments to fair value usually result from application of lower-of-cost-or-market accounting or write-downs of individual assets.

 

The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of September 30, 2023 and December 31, 2022:

 

       Nine Months Ended 
   At September 30, 2023   September 30, 2023 
               Total 
   Level 1   Level 2   Level 3   Losses 
   (In thousands)   (In thousands) 
         
Collateral Dependent Loans  $—   $—   $239   $1,828 

 

 

       Nine Months Ended 
   At December 31, 2022   September 30, 2022 
               Total 
   Level 1   Level 2   Level 3   Losses 
   (In thousands)   (In thousands) 
         
Impaired Loans  $—   $—   $877   $— 

 

The amount of collateral dependent loans represents the carrying value, net of the related write-down or valuation allowance of impaired loans for which adjustments are based on the estimated fair value of the underlying collateral.  The fair value of impaired loans with specific allocations of the allowance for credit losses is generally based on real estate appraisals performed by independent licensed or certified appraisers.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available.  Management will discount appraisals as deemed necessary based on the date of the appraisal and new information deemed relevant to the valuation.  Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value.

 

Summary of Fair Values of Financial Instruments.

 

The estimated fair values of our financial instruments are as follows:

                                       
   September 30, 2023 
   Carrying
Value		   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (In thousands) 
Assets:                    
Cash and cash equivalents  $62,267   $62,267   $—   $—   $62,267 
Securities held-to-maturity   225,020    9,236    167,625    —    176,861 
Securities available-for-sale   130,709    —    130,709    —    130,709 
Federal Home Loan Bank of Boston and other restricted stock   3,063    —    —    3,063    3,063 
Loans - net   1,994,842    —    —    1,827,262    1,827,262 
Accrued interest receivable   8,281    —    —    8,281    8,281 
Mortgage servicing rights   445    —    745    —    745 
Derivative asset   8,886    —    8,886    —    8,886 
                          
Liabilities:                         
Deposits   2,176,303    —    —    2,171,517    2,171,517 
Short-term borrowings   8,890    —    8,890    —    8,890 
Long-term debt   121,178    —    120,591    —    120,591 
Subordinated debt   19,702    —    17,200    —    17,200 
Accrued interest payable   2,130    —    —    2,130    2,130 
Derivative liabilities   7,087    —    7,087    —    7,087 
                          

 

 

                          
   December 31, 2022 
   Carrying Value   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (In thousands) 
Assets:                    
Cash and cash equivalents  $30,342   $30,342   $—   $—   $30,342 
Securities held-to-maturity   230,168    9,162    181,788    —    190,950 
Securities available-for-sale   146,997    —    146,997    —    146,997 
Marketable equity securities   6,237    6,237    —    —    6,237 
Federal Home Loan Bank of Boston and other restricted stock   3,352    —    —    3,352    3,352 
Loans - net   1,971,469    —    —    1,856,087    1,856,087 
Accrued interest receivable   8,140    —    —    8,140    8,140 
Mortgage servicing rights   550    —    794    —    794 
Derivative asset   6,343    —    6,343    —    6,343 
                          
Liabilities:                         
Deposits   2,229,443    —    —    2,220,405    2,220,405 
Short-term borrowings   41,350    —    41,350    —    41,350 
Long-term debt   1,178    —    1,094    —    1,094 
Subordinated debt   19,673    —    18,132    —    18,132 
Accrued interest payable   186    —    —    186    186 
Derivative liabilities   6,343    —    6,343    —    6,343 
                          

 
XML 32 R22.htm IDEA: XBRL DOCUMENT v3.23.3
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)
 9 Months Ended
Sep. 30, 2023
Accounting Policies [Abstract]  
Nature of Operations and Basis of Presentation

Nature of Operations and Basis of Presentation. Western New England Bancorp, Inc. (“WNEB,” “Company,” “we,” or “us”) is a Massachusetts-chartered stock holding company for Westfield Bank, a federally-chartered savings bank (“Bank”).

 

The Bank operates 25 banking offices in Hampden County and Hampshire County in western Massachusetts and Hartford County and Tolland County in northern Connecticut, and its primary sources of revenue are interest income from loans as well as interest income from investment securities. The West Hartford Financial Services Center serves as the Company’s Connecticut hub, housing Commercial Lending, Cash Management and a Mortgage Loan Officer. The Bank’s deposits are insured up to the maximum Federal Deposit Insurance Corporation (“FDIC”) coverage limits.
Wholly-owned Subsidiaries

Wholly-owned Subsidiaries. Elm Street Securities Corporation, WFD Securities, Inc. and CSB Colts, Inc., are Massachusetts-chartered securities corporations, formed for the primary purpose of holding qualified securities. WB Real Estate Holdings, LLC is a Massachusetts-chartered limited liability company that holds real property acquired as security for debts previously contracted by the Bank.
Principles of Consolidation

Principles of Consolidation. The consolidated financial statements include the accounts of Western New England Bancorp, Inc., the Bank, CSB Colts, Inc., Elm Street Securities Corporation, WB Real Estate Holdings, LLC and WFD Securities, Inc. All material intercompany balances and transactions have been eliminated in consolidation.
Estimates

Estimates. The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of income and expenses for each. Actual results could differ from those estimates. An estimate that is particularly susceptible to significant change in the near-term relates to the determination of the allowance for credit losses.
Basis of Presentation

Basis of Presentation. In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation of our financial condition as of September 30, 2023, and the results of operations, changes in shareholders’ equity and cash flows for the interim periods presented. The results of operations for the three and nine months ended September 30, 2023 are not necessarily indicative of the results of operations for the year ending December 31, 2023. Certain information and disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been omitted pursuant to the rules and regulations of the Securities and Exchange Commission.

 

On January 1, 2023, the Company adopted Accounting Standards Update (“ASU”) 2016-13 Financial Instruments - Credit Losses (Topic326): Measurement of Credit Losses on Financial Instruments, which requires the recognition of the allowance for credit losses be estimated using the current expected credit loss (“CECL”) methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases (See Notes 4 and 5 to our unaudited consolidated financial statements for further information).

 

These unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements as of and for the year ended December 31, 2022, included in our Annual Report on Form 10-K for the year ended December 31, 2022 (the “2022 Annual Report”).
Reclassifications

Reclassifications. Amounts in the prior period financial statements are reclassified when necessary to conform to the current year presentation.
XML 33 R23.htm IDEA: XBRL DOCUMENT v3.23.3
EARNINGS PER SHARE (Tables)
 9 Months Ended
Sep. 30, 2023
Earnings per common share:  
Earnings per share for the three and nine months ended September 30, 2023 and 2022 have been computed based on the following:

Earnings per share for the three and nine months ended September 30, 2023 and 2022 have been computed based on the following:

 

                             
   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
   2023   2022   2023   2022 
   (In thousands, except per share data) 
                 
Net income applicable to common stock  $4,490   $5,999   $12,557   $16,853 
                     
Average number of common shares issued   22,055    22,317    22,140    22,531 
Less: Average unallocated ESOP Shares   (329)   (406)   (347)   (425)
Less: Average unvested performance-based equity incentive plan shares   (166)   (154)   (162)   (158)
                     
Average number of common shares outstanding used to calculate basic earnings per common share   21,561    21,757    21,631    21,948 
                     
Effect of dilutive performance-based equity incentive plan   119    40    50    33 
Effect of dilutive stock options   —    13    —    20 
                     
Average number of common shares outstanding used to calculate diluted earnings per common share   21,680    21,810    21,681    22,001 
                     
Basic earnings per share  $0.21   $0.28   $0.58   $0.77 
Diluted earnings per share  $0.21   $0.28   $0.58   $0.77 
XML 34 R24.htm IDEA: XBRL DOCUMENT v3.23.3
COMPREHENSIVE INCOME (LOSS) (Tables)
 9 Months Ended
Sep. 30, 2023
Equity [Abstract]  
The components of accumulated other comprehensive loss included in shareholders’ equity are as follows:

The components of accumulated other comprehensive loss included in shareholders’ equity are as follows:

 

   September 30, 2023   December 31, 2022 
   (In thousands) 
         
Net unrealized losses on available-for-sale securities  $(38,488)  $(32,159)
Tax effect   9,802    8,197 
Net-of-tax amount   (28,686)   (23,962)
           
Unrecognized actuarial loss on the defined benefit plan   —    (1,501)
Tax effect   —    421 
Net-of-tax amount   —    (1,080)
           
Accumulated other comprehensive loss  $(28,686)  $(25,042)
XML 35 R25.htm IDEA: XBRL DOCUMENT v3.23.3
INVESTMENT SECURITIES (Tables)
 9 Months Ended
Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]  
Available-for-sale and held-to-maturity investment securities at September 30, 2023 and December 31, 2022 are summarized as follows:

Available-for-sale and held-to-maturity investment securities at September 30, 2023 and December 31, 2022 are summarized as follows:

 

   September 30, 2023 
   Amortized Cost   Gross Unrealized Gains   Gross Unrealized Losses   Fair Value 
   (In thousands) 
Available-for-sale securities:                    
Debt securities:                    
Government-sponsored enterprise obligations  $14,921   $—   $(3,758)  $11,163 
State and municipal bonds   135    —    (2)   133 
Corporate bonds   8,001    —    (1,160)   6,841 
Total debt securities   23,057    —    (4,920)   18,137 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   139,358    —    (31,959)   107,399 
U.S. government guaranteed mortgage-backed securities   6,782    —    (1,609)   5,173 
Total mortgage-backed securities   146,140    —    (33,568)   112,572 
                     
Total available-for-sale   169,197    —    (38,488)   130,709 
                     
Held-to-maturity securities:                    
Debt securities:                    
U.S. Treasury securities   9,993    —    (757)   9,236 
Total debt securities   9,993    —    (757)   9,236 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   215,027    —    (47,402)   167,625 
Total mortgage-backed securities   215,027    —    (47,402)   167,625 
                     
Total held-to-maturity   225,020    —    (48,159)   176,861 
                     
 Total  $394,217   $—   $(86,647)  $307,570 

 

 

   December 31, 2022 
   Amortized Cost   Gross Unrealized Gains   Gross Unrealized Losses   Fair Value 
   (In thousands) 
Available-for-sale securities:                    
Debt securities:                    
Government-sponsored enterprise obligations  $14,913   $—   $(3,345)  $11,568 
State and municipal bonds   270    —    —    270 
Corporate bonds   8,012    —    (519)   7,493 
Total debt securities   23,195    —    (3,864)   19,331 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   148,544    —    (26,826)   121,718 
U.S. government guaranteed mortgage-backed securities   7,417    —    (1,469)   5,948 
Total mortgage-backed securities   155,961    —    (28,295)   127,666 
                     
Total available-for-sale   179,156    —    (32,159)   146,997 
                     
Held-to-maturity securities:                    
Debt securities:                    
U.S. Treasury securities   9,987    —    (825)   9,162 
Total debt securities   9,987    —    (825)   9,162 
                     
Mortgage-backed securities:                    
Government-sponsored mortgage-backed securities   220,181    67    (38,460)   181,788 
Total mortgage-backed securities   220,181    67    (38,460)   181,788 
                     
Total held-to-maturity   230,168    67    (39,285)   190,950 
                     
 Total  $409,324   $67   $(71,444)  $337,947 
The following table presents the unrealized losses recognized on marketable equity securities for the periods indicated:

The following table presents the unrealized losses recognized on marketable equity securities for the periods indicated:

 

             
  

Nine Months Ended

September 30

 
   2023   2022 
   (In thousands) 
     
Net losses recognized during the period on marketable equity securities  $—   $(736)
Unrealized losses recognized during the period on marketable equity securities still held at end of period  $—   $(736)
The amortized cost and fair value of available-for-sale and held-to-maturity investment securities at September 30, 2023, by final maturity, are shown below

The amortized cost and fair value of available-for-sale and held-to-maturity investment securities at September 30, 2023, by final maturity, are shown below. Actual maturities may differ from contractual maturities because certain issuers have the right to call or prepay obligations.

 

 

   Available-for-Sale   Held-to-Maturity 
   Amortized Cost   Fair Value   Amortized Cost   Fair Value 
   (In thousands) 
Debt securities:                    
Due in one year or less  $3,136   $3,098   $—   $— 
Due after one year through five years   —    —    9,993    9,236 
Due after five years through ten years   19,921    15,039    —    — 
Due after ten years   —    —    —    — 
Total debt securities   23,057    18,137    9,993    9,236 
                     
Mortgage-backed securities:                    
Due after one year through five years   475    445    —    — 
Due after five years through ten years   1,505    1,347    —    — 
Due after ten years   144,160    110,780    215,027    167,625 
Total mortgage-backed securities   146,140    112,572    215,027    167,625 
                     
Total securities  $169,197   $130,709   $225,020   $176,861 
Gross realized gains and losses on sales of available-for-sale investment securities for the three and nine months ended September 30, 2023 and 2022 are as follows:

Gross realized gains and losses on sales of available-for-sale investment securities for the three and nine months ended September 30, 2023 and 2022 are as follows:

 

                         
   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
   2023   2022   2023   2022 
   (In thousands) 
                 
Gross losses realized   —    —    —    (4)
Net loss realized  $—   $—   $—   $(4)
Information pertaining to investment securities with gross unrealized losses

Information pertaining to investment securities with gross unrealized losses as of September 30, 2023 for which the Company did not recognize a provision for credit losses under CECL, and as of December 31, 2022, for which the Company did not deem to be impaired under its prior methodology, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:

 

 

   September 30, 2023 
   Less Than Twelve Months   Over Twelve Months 
   Number of
Securities		   Fair Value   Gross
Unrealized
Loss		   Depreciation
from
Amortized
Cost Basis
(%)		   Number
of
Securities		   Fair Value   Gross
Unrealized
Loss		   Depreciation
from
Amortized
Cost Basis
(%)		 
   (Dollars in thousands) 
Available-for-sale:                                
Government-sponsored mortgage-backed securities   —   $—   $—    —%   70   $107,399   $31,959    22.9%
U.S. government guaranteed mortgage-backed securities   —    —    —    —    9    5,173    1,609    23.7 
Government-sponsored enterprise obligations   —    —    —    —    3    11,163    3,758    25.2 
Corporate bonds   —    —    —    —    3    6,841    1,160    14.5 
State and municipal bonds   1    133    2    1.5    —    —    —    — 
Total available-for-sale   1    133    2         85    130,576    38,486      
                                         
Held-to-maturity:                                        
U.S. Treasury securities   —    —    —    —%   2    9,236    757    7.6%
Government-sponsored mortgage-backed securities   5    11,567    432    3.6    36    156,058    46,970    23.1 
Total held-to-maturity   5    11,567    432         38    165,294    47,727      
                                         
Total   6   $11,700   $434         123   $295,870   $86,213      

 

   December 31, 2022 
   Less Than Twelve Months   Over Twelve Months 
   Number of
Securities		   Fair Value   Gross
Unrealized
Loss		   Depreciation
from
Amortized
Cost Basis
(%)		   Number
of
Securities		   Fair Value   Gross
Unrealized
Loss		   Depreciation
from
Amortized
Cost Basis
(%)		 
   (Dollars in thousands) 
Available-for-sale:                                
Government-sponsored mortgage-backed securities   10   $9,133   $776    7.8%   60   $112,586   $26,050    18.8%
U.S. government guaranteed mortgage-backed securities   1    113    20    15.0    8    5,835    1,449    19.9 
Government-sponsored enterprise obligations   —    —    —    —    3    11,568    3,345    22.4 
Corporate bonds   3    7,493    519    6.5    —    —    —    — 
Total available-for-sale   14    16,739    1,315         71    129,989    30,844      
                                         
Held-to-maturity:                                        
U.S. Treasury securities   —    —    —    —%   2    9,162    825    8.3%
Government-sponsored mortgage-backed securities   6    18,911    2,116    10.1    31    157,947    36,344    18.7 
Total held-to-maturity   6    18,911    2,116         33    167,109    37,169      
                                         
Total   20   $35,650   $3,431         104   $297,098   $68,013      
XML 36 R26.htm IDEA: XBRL DOCUMENT v3.23.3
LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)
 9 Months Ended
Sep. 30, 2023
Receivables [Abstract]  
Major classifications of loans as of the dates indicated were as follows:

Major classifications of loans as of the dates indicated were as follows:

 

   September 30,   December 31, 
   2023   2022 
   (In thousands) 
Commercial real estate  $1,080,361   $1,069,323 
           

Residential real estate:

          
Residential one-to-four family   606,221    589,503 
Home equity   107,561    105,557 
Total residential real estate   713,782    695,060 
           
Commercial and industrial:          
Paycheck Protection Program (“PPP”) loans   1,415    2,274 
Commercial and industrial   211,162    217,574 
Total commercial and industrial   212,577    219,848 
           
Consumer   5,768    5,045 
Total gross loans   2,012,488    1,989,276 
Unamortized PPP loan fees   (70)   (109)
Unearned premiums and deferred loan fees and costs, net   2,402    2,233 
Total loans, net   2,014,820    1,991,400 
Allowance for credit losses(1)   (19,978)   (19,931)
Net loans  $1,994,842   $1,971,469 

 

 

(1)The Company adopted ASU 2016-13 on January 1, 2023 with a modified retrospective approach. Accordingly, beginning at January 1, 2023, the allowance for credit losses was determined in accordance with ASC 326, “Financial Instruments-Credit Losses.”
A summary of the activity in the balances of mortgage servicing rights follows:

A summary of the activity in the balances of mortgage servicing rights follows:

 

  

Three Months Ended

September 30, 2023

  

Nine Months Ended

September 30, 2023

 
   (In thousands) 
         
Balance at the beginning of period:  $480   $550 
Amortization   (35)   (105)
Balance at the end of period  $445   $445 
Fair value at the end of period  $745   $745 
The following table illustrates the impact of ASC 326:

The following table illustrates the impact of ASC 326:

 

  

Pre-ASC 326
Adoption

December 31,
2022

  

As Reported
Under ASC 326

January 1, 2023

   Impact of ASC
326 Adoption		 
   (In thousands) 
     
Assets               
Loans(1)  $1,989,276   $1,991,389   $2,113 
Allowance for credit losses on loans(2)   (19,931)   (21,113)   (1,182)
Deferred tax asset   15,027    15,023    (4)
                
Liabilities               
Allowance for credit losses on off-balance sheet exposures  $—   $(918)  $(918)
                

Shareholders’ Equity

               
Retained earnings, net of tax  $(127,982)  $(127,991)  $(9)

 

 

(1)Purchase credit deteriorated (“PCD loans”) gross up of cost basis of loans totaled $422,000 for commercial real estate loans and $1,691,000 for commercial and industrial loans.
(2)Increase to allowance for credit losses on loans of $2,113,000 for PCD loans gross up and a decrease of $931,000 for pooled loans through retained earnings.
An analysis of changes in the allowance for credit losses by segment for the three and nine months ended September 30, 2023 and the allowance for credit losses for the three and nine months ended September 30, 2022 is as follows:

An analysis of changes in the allowance for credit losses by segment for the three and nine months ended September 30, 2023 and the allowance for credit losses for the three and nine months ended September 30, 2022 is as follows:

 

   Commercial
Real Estate		   Residential
Real Estate		   Commercial
and
Industrial		   Consumer   Unallocated   Total 
   (In thousands) 
                         
                         
Balance at June, 2023(2)  $15,752   $2,356   $1,487   $52   $—   $19,647 
Provision (reversal) for credit losses   (188)   31    551    15    —    409 
Charge-offs   —    —    (147)   (46)   —    (193)
Recoveries   9    2    77    27    —    115 
Balance at September 30, 2023(2)  $15,573   $2,389   $1,968   $48   $—   $19,978 
                               
Balance at December 31, 2022  $12,199   $4,312   $3,160   $245   $15   $19,931 
Cumulative effect of change in accounting principle(1)   3,989    (2,518)   (75)   (199)   (15)   1,182 
Adjusted Beginning Balance  $16,188   $1,794   $3,085    46    —   $21,113 
Provision (reversal) for credit losses   (211)   570    348    61    —    768 
Charge-offs   (414)   —    (1,561)   (116)   —    (2,091)
Recoveries   10    25    96    57    —    188 
Balance at September 30, 2023(2)  $15,573   $2,389   $1,968   $48   $—   $19,978 
                               

 

   Commercial
Real Estate		   Residential
Real Estate		   Commercial
and
Industrial		   Consumer   Unallocated   Total 
   (In thousands) 
                         
Allowance for credit losses for off-balance sheet exposures                              
                               
Balance at June 30, 2023  $395   $163   $33   $—   $—   $591 
(Reversal of) provision for credit losses   (79)   4    20    —    —    (55)
Balance at September 30, 2023  $316   $167   $53   $—   $—   $536 
                               
Balance at December 31, 2022  $—   $—   $—   $—   $—   $— 
Cumulative effect of change in accounting principle   611    267    40    —    —    918 
Reversal of credit losses   (295)   (100)   13    —    —    (382)
Balance at September 30, 2023  $316   $167   $53   $—   $—   $536 

 

 

(1)Represents the net adjustment needed to reflect the cumulative day one impact pursuant to the Company’s adoption of ASU 2016-13 (i.e., cumulative effect adjustment related to the adoption of ASU 2016-13 as of January 1, 2023). The adjustment represents a $931,000 decrease to the allowance for loans attributable to the change in accounting methodology for estimating the allowance for credit losses resulting from the Company’s adoption of the standard. The adjustment also includes the adjustment needed to reflect the day one reclassification of the Company’s PCI loan balances to PCD loan balances and the associated gross-up of $2,113,000, pursuant to the Company’s adoption of ASU 2016-13.
(2)The balance of $7.3 million and $6.8 million in accrued interest receivable is excluded from amortized cost and the calculation of the allowance for credit losses at September 30, 2023 and June 30, 2023, respectively.
The following tables presents information pertaining to the allowance for credit losses by segment Pre-ASC 326 CECL adoption for the date indicated:

The following tables presents information pertaining to the allowance for credit losses by segment Pre-ASC 326 CECL adoption for the date indicated:

 

   Commercial
Real Estate		   Residential
Real Estate		   Commercial
and
Industrial		   Consumer   Unallocated   Total 
   (In thousands) 
                         
Balance at June 30, 2022  $12,483   $4,164   $2,686   $210   $17   $19,560 
Provision (credit)   68    86    481    53    (13)   675 
Charge-offs   —    —    —    (59)   —    (59)
Recoveries   —    —    14    18    —    32 
Balance at September 30, 2022  $12,551   $4,250   $3,181   $222   $4   $20,208 
                               
Balance at December 31, 2021  $12,970   $3,964   $2,643   $197   $13   $19,787 
Provision (credit)   (382)   282    538    121    (9)   550 
Charge-offs   (37)   (27)   (22)   (145)   —    (231)
Recoveries   —    31    22    49    —    102 
Balance at September 30, 2022  $12,551   $4,250   $3,181   $222   $4   $20,208 

 

 

   Commercial
Real Estate		   Residential
Real Estate		   Commercial
and
Industrial		   Consumer   Unallocated   Total 
   (In thousands) 
December 31, 2022                        
Amount of allowance for impaired loans  $ —   $ —   $ —   $ —   $ —   $ — 
Amount of allowance for non-impaired loans   12,199    4,312    3,160    245    15    19,931 
Total allowance for credit losses  $12,199   $4,312   $3,160   $245   $15   $19,931 
                               
Impaired loans  $9,178   $3,623   $407   $—   $—   $13,208 
Non-impaired loans   1,056,886    689,776    219,163    5,045    —    1,970,870 
Impaired loans acquired with deteriorated credit quality   3,259    1,661    278    —    —    5,198 
Total loans  $1,069,323   $695,060   $219,848   $5,045   $—   $1,989,276 
The following tables present an age analysis of past due loans as of the dates indicated:

The following tables present an age analysis of past due loans as of the dates indicated:

 

   30 – 59
Days Past
Due		   60 – 89
Days Past
Due		   90 Days
or  More
Past Due		  

Total

Past Due
Loans

  

Total

Current
Loans

  

Total

Loans

   Nonaccrual
Loans		 
   (In thousands) 
September 30, 2023                            
Commercial real estate  $940   $92   $595   $1,627   $1,078,734   $1,080,361   $1,662 
                                    
Residential real estate:                                   
Residential one-to-four family   2,539    266    683    3,488    602,733    606,221    4,030 
Home equity   83    100    13    196    107,365    107,561    130 
Total:   2,622    366    696    3,684    710,098    713,782    4,160 
                                    
Commercial and industrial   75    —    236    311    212,266    212,577    459 
Consumer   2    —    —    2    5,766    5,768    9 

Total loans

  $3,639   $458   $1,527   $5,624   $2,006,864   $2,012,488   $6,290 
                                    
December 31, 2022                                   
Commercial real estate  $—   $211   $1,404   $1,615   $1,067,708   $1,069,323   $1,933 
                                    
Residential real estate:                                   
Residential one-to-four family   1,768    100    414    2,282    587,221    589,503    3,290 
Home equity   209    97    51    357    105,200    105,557    181 
Total:   1,977    197    465    2,639    692,421    695,060    3,471 
                                    
Commercial and industrial   170    10    22    202    219,646    219,848    290 
Consumer   13    —    —    13    5,032    5,045    — 
Total loans  $2,160   $418   $1,891   $4,469   $1,984,807   $1,989,276   $5,694 
The following table presents information regarding nonaccrual loans as of the date indicated:

The following table presents information regarding nonaccrual loans as of the date indicated:

 

                                   
   As of September 30, 2023(1)   For the Nine
Months Ended
September 30,
2023		 
   Nonaccrual
Loans with
Allowance for
Credit Loss		   Nonaccrual
Loans Without
Allowance for
Credit Loss		  

Total

Nonaccrual
Loans

   Amortized Cost
of Loans
Greater than
90 Days Past
Due and Still
Accruing		   Accrued
Interest
Receivable
Reversed from
Income		 
   (In thousands) 
         
Commercial real estate  $—   $1,662   $1,662   $—   $85 
Residential real estate:                         
Residential   —    4,030    4,030    —    131 
Home equity   —    130    130    —    9 
Commercial and industrial   —    459    459    —    131 
Consumer   —    9    9    —    — 
Total loans  $—   $6,290   $6,290   $—   $356 

 

 

(1)The Company adopted ASU 2016-13 as of January 1, 2023.
The following table summarizes the Company’s individually evaluated loans

The following table summarizes the Company’s individually evaluated loans by class as of September 30, 2023:

 

   Recorded
Investment		   Related
Allowance		 
   (In thousands) 
With no related allowance recorded:          
Commercial real estate  $11,256   $— 
Residential real estate:          
Residential one-to-four family   5,936    — 
Home equity   143    — 
Commercial and industrial   13,989    — 
Consumer   9    — 
Loans with no related allowance recorded  $31,333   $— 
           
With an allowance recorded:          
Commercial real estate  $—   $— 
Residential real estate:          
Residential one-to-four family   —    — 
Home equity   —    — 
Commercial and industrial   517    179 
Consumer   —    — 
Loans with an allowance recorded  $517   $179 
Total individually evaluated loans  $31,850   $179 

 

Pre-ASC 326 CECL adoption impaired loan information as of December 31, 2022 is as follows:

 

               Nine Months Ended 
   At December 31, 2022   September 30, 2022 
   Recorded
Investment		   Unpaid
Principal
Balance		   Related
Allowance		   Average
Recorded
Investment		   Interest
Income
Recognized		 
   (In thousands) 
Impaired Loans (1)                         
Commercial real estate  $12,437   $13,795   $—   $13,648   $217 
Residential real estate:                         
Residential one-to-four family   5,088    5,823    —    4,716    45 
Home equity   196    214    —    162    1 
Commercial and industrial   685    3,095    —    936    56 
Consumer   —    —    —    3    — 
Total impaired loans  $18,406   $22,927   $—   $19,465   $319 
   
(1)Includes loans acquired with deteriorated credit quality and performing troubled debt restructurings.
The following table details the amortized cost balances of the Company’s loan portfolio presented by risk rating

The following table details the amortized cost balances of the Company’s loan portfolio presented by risk rating and origination year as of the periods presented. In addition, payment activity has been included as an additional credit quality indicator:

 

 

                                                             
   Term Loan Origination by Year   Revolving Loans     
   September 30,
2023		   2022   2021   2020   2019   Prior   Revolving Loans   Revolving Loans Converted to Term Loans   Total 
   (Dollars in thousands) 
                                     
Commercial Real Estate:                                             
Pass (Rated 1- 4)  $34,695   $176,724   $230,571   $115,495   $90,600   $330,324   $75,495   $6,005   $1,059,909 
Special Mention (Rated 5)   —    —    —    184    2,483    5,994    164    —    8,825 
Substandard (Rated 6)   —    —    —    8,142    —    3,485    —    —    11,627 
Total commercial real estate loans  $34,695   $176,724   $230,571   $123,821   $93,083   $339,803   $75,659   $6,005   $1,080,361 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $414   $—   $—   $414 
                                              
Payment Performance:                                             
Performing  $34,695   $176,724   $230,571   $123,821   $93,083   $338,141   $75,659   $6,005   $1,078,699 
Nonperforming   —    —    —    —    —    1,662    —    —    1,662 
                                              
Residential One-to-Four Family:                                             
Pass  $42,352   $87,316   $96,136   $128,473   $55,057   $181,613   $10,301   $—   $601,248 
Substandard   —    447    —    336    —    4,190    —    —    4,973 
Total residential one-to-four family  $42,352   $87,763   $96,136   $128,809   $55,057   $185,803   $10,301   $—   $606,221 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $42,352   $87,316   $96,136   $128,473   $55,057   $182,556   $10,301   $—   $602,191 
Nonperforming   —    447    —    336    —    3,247    —    —    4,030 
                                              
Home Equity:                                             
Pass  $7,507   $11,362   $7,085   $7,312   $5,614   $7,722   $58,342   $2,487   $107,431 
Substandard   —    —    —    —    —    —    92    38    130 
Total home equity loans  $7,507   $11,362   $7,085   $7,312   $5,614   $7,722   $58,434   $2,525   $107,561 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $—   $—   $— 
                                              
Payment Performance:                                             
Performing  $7,507   $11,362   $7,085   $7,312   $5,614   $7,722   $58,342   $2,487   $107,431 
Nonperforming   —    —    —    —    —    —    92    38    130 

 

 

   Term Loans Originated by Year   Revolving Loans     
   September 30,
2023		   2022   2021   2020   2019   Prior   Revolving Loans   Revolving
Loans
Converted to
Term Loans		   Total 
   (Dollars in thousands) 
Commercial and Industrial:                                             
Pass (Rated 1- 4)  $20,989   $37,264   $25,984   $21,718   $20,586   $9,985   $55,938   $71   $192,535 
Special Mention (Rated 5)   —    111    157    —    19    605    2,268    —    3,160 
Substandard (Rated 6)   —    —    1,506    8,581    4    19    6,772    —    16,882 
Total commercial and industrial loans  $20,989   $37,375   $27,647   $30,299   $20,609   $10,609   $64,978   $71   $212,577 
                                              
Current period gross charge-offs  $—   $147   $—   $—   $—   $221   $—   $1,193   $1,561 
                                              
Payment Performance:                                             
Performing  $20,989   $37,375   $27,647   $30,299   $20,609   $10,601   $64,527   $71   $212,118 
Nonperforming   —    —    —    —    —    8    451    —    459 
                                              
Consumer:                                             
Pass  $2,097   $1,633   $596   $322   $101   $209   $784   $—   $5,742 
Substandard   —    —    —    —    —    26    —    —    26 
Total consumer loans  $2,097   $1,633   $596   $322   $101   $235   $784   $—   $5,768 
                                              
Current period gross charge-offs  $—   $—   $—   $—   $—   $—   $3   $113   $116 
                                              
Payment Performance:                                             
Performing  $2,097   $1,633   $596   $322   $101   $227   $783   $—   $5,759 
Nonperforming   —    —    —    —    —    8    1    —    9 

 

The following table presents our loans by risk rating as of December 31, 2022 Pre-ASC 326 CECL adoption:

 

   Commercial Real
Estate		   Residential
1-4 Family		   Home
Equity		   Commercial
and Industrial		   Consumer   Total 
   (In thousands) 
December 31, 2022                        
Pass (Rated 1 - 4)  $1,036,337   $585,292   $105,248   $193,415   $5,027   $1,925,319 
Special Mention (Rated 5)   16,035    —    —    5,623    —    21,658 
Substandard (Rated 6)   16,951    4,211    309    20,810    18    42,299 
Total  $1,069,323   $589,503   $105,557   $219,848   $5,045   $1,989,276 
XML 37 R27.htm IDEA: XBRL DOCUMENT v3.23.3
SHARE-BASED COMPENSATION (Tables)
 9 Months Ended
Sep. 30, 2023
Share-Based Payment Arrangement [Abstract]  
The threshold, target and stretch metrics under the 2020 Incentive Plan are as follows:

The threshold, target and stretch metrics under the 2020 Incentive Plan are as follows:

 

                 
     Return on Equity Metrics 
Performance Period Ending   Threshold   Target   Stretch 
                 
December 31, 2020    5.00%   5.48%   6.00%
December 31, 2021    5.62%   6.24%   6.86%
December 31, 2022    6.29%   6.99%   7.69%

 

                 
     Earnings Per Share Metrics 
Performance Period Ending    Threshold   Target   Stretch 
                  
Three-year Cumulative Diluted Earnings Per Share    $1.50   $1.65   $1.80 
The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows:

The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows:

 

                 
    Return on Equity Metrics 
Performance Period Ending   Threshold   Target   Stretch 
              
December 31, 2021    5.63%    6.25%    7.50% 
December 31, 2022    5.85%    6.50%    7.80% 
December 31, 2023    6.08%    6.75%    8.10% 

 

                 
     Earnings Per Share Metrics 
Performance Period Ending    Threshold   Target   Stretch 
               
Three-year Cumulative Diluted Earnings Per Share    $1.58   $1.97   $2.36 
The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows:

The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows:

 

                 
    Return on Equity Metrics
Performance Period Ending   Threshold  Target  Stretch
           
December 31, 2022    7.79%   8.20%   8.61%
December 31, 2023    7.93%   8.35%   8.77%
December 31, 2024    8.03%   8.45%   8.87%

 

                 
     Earnings Per Share Metrics 
Performance Period Ending    Threshold   Target   Stretch 
               
Three-year Cumulative Diluted Earnings Per Share    $2.35   $2.61   $2.85 
The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows:

The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows:

 

                 
    Return on Equity Metrics
Performance Period Ending   Threshold  Target  Stretch
           
December 31, 2023    8.00%   8.45%     8.85%
December 31, 2024    8.75%   9.25%     9.75%
December 31, 2025    9.00%   9.50%   10.00%

 

                 
     Earnings Per Share Metrics 
Performance Period Ending    Threshold   Target   Stretch 
               
Three-year Cumulative Diluted Earnings Per Share    $2.39   $2.65   $2.89 
A summary of the status of restricted stock awards at September 30, 2023 and September 30, 2022 is presented below:

A summary of the status of restricted stock awards at September 30, 2023 and September 30, 2022 is presented below:

 

   Shares  

Weighted Average
Grant Date Fair
Value

($)

 
Balance at December 31, 2022   206,092    8.85 
Shares granted   158,957    9.79 
Shares vested   (66,817)   9.07 
Balance at September 30, 2023   298,232    9.30 

 

   Shares  

Weighted Average
Grant Date Fair
Value

($)

 
Balance at December 31, 2021   213,381    8.91 
Shares granted   144,440    9.14 
Shares forfeited   (24,440)   8.73 
Shares vested   (60,009)   9.77 
Balance at September 30, 2022   273,372    8.86 
XML 38 R28.htm IDEA: XBRL DOCUMENT v3.23.3
PENSION BENEFITS (Tables)
 9 Months Ended
Sep. 30, 2023
Retirement Benefits [Abstract]  
The following table provides information regarding net pension benefit costs for the periods shown:

The following table provides information regarding net pension benefit costs for the periods shown:

 

                 
   Three Months Ended   Nine Months Ended, 
   September 30,   September 30, 
   2023   2022   2023   2022 
   (In thousands) 
Service cost  $—   $334   $—   $1,002 
Interest cost   —    312    487    937 
Expected return on assets   —    (426)   (333)   (1,279)
Amortization of actuarial loss   —    158    —    475 
Net periodic pension cost  $—   $378   $154   $1,135 
XML 39 R29.htm IDEA: XBRL DOCUMENT v3.23.3
DERIVATIVES AND HEDGING ACTIVITIES (Tables)
 9 Months Ended
Sep. 30, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
As of September 30, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:

As of September 30, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:

 

Item in the Balance Sheet in which the Hedged Item is Included  Carrying Amount of Hedged
Assets/(Liabilities)		   Cumulative Amount of Fair Value
Hedging Adjustments Included in the
Carrying Amount of Hedged
Assets/(Liabilities)		 
  

At

September 30,
2023

  

At

December 31,
2022

  

At

September 30,
2023

  

At

December 31,
2022

 
   (In thousands) 
Loans  $198,237   $—   $(1,763)  $— 
Total  $198,237   $—   $(1,763)  $— 
The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of September 30, 2023 and December 31, 2022.

The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of September 30, 2023 and December 31, 2022.

 

September 30, 2023  Asset Derivatives  Liability Derivatives
   Balance Sheet Location  Fair Value   Balance Sheet Location  Fair Value 
   (In thousands)
Hedging Derivatives                
Interest rate swaps - fair value hedges     $1,799      $— 
Derivatives not designated as hedging instruments:                
Interest rate swap – with customer counterparties      —       7,087 
Interest rate swap – with dealer counterparties      7,087       — 
Total derivatives  Other Assets  $8,886   Other Liabilities  $7,087 

 

December 31, 2022  Asset Derivatives  Liability Derivatives
   Balance Sheet Location  Fair Value   Balance Sheet Location  Fair Value 
   (In thousands)
Derivatives not designated as hedging instruments:              
Interest rate swap – with customer counterparties     $—      $6,343 
Interest rate swap – with dealer counterparties      6,343       — 
Total derivatives not designated as hedging instruments  Other Assets  $6,343   Other Liabilities  $6,343 

 
The table below presents the effect of the Company’s derivative financial instruments on the statements of net income as of September 30, 2023 and September 30, 2022.

The table below presents the effect of the Company’s derivative financial instruments on the statements of net income as of September 30, 2023 and September 30, 2022.

 

  

 

  

 

  

 

  

 

 
  

Location and Amount of Gain (Loss) Recognized in Income on

Fair Value Hedging Relationships

 
  

Three Months Ended

September 30, 2023

  

Three Months Ended

September 30, 2022

  

Nine Months Ended

September 30, 2023

  

Nine Months Ended

September 30, 2022

 
   (In thousands) 
    Interest Income    Interest Income    Interest Income    Interest Income 
Total amounts of income line items presented in the statements of net income in which the effects of fair value hedges are recorded  $406   $—   $627   $— 
                     
Gain (loss) on fair value hedging relationships                    
Interest rate contracts:                    
Hedged items  $(104)   —   $(1,763)   — 
Derivatives designated as hedging instruments   510    —    2,390    — 
XML 40 R30.htm IDEA: XBRL DOCUMENT v3.23.3
FAIR VALUE OF ASSETS AND LIABILITIES (Tables)
 9 Months Ended
Sep. 30, 2023
Fair Value Disclosures [Abstract]  
Assets and liabilities measured at fair value on a recurring basis are summarized below:

Assets and liabilities measured at fair value on a recurring basis are summarized below:

 

                               
   September 30, 2023 
   Level 1   Level 2   Level 3   Total 
Assets:  (In thousands) 
Available-for-sale securities  $—   $130,709   $—   $130,709 
Interest rate swaps   —    8,886    —    8,886 
Total assets  $—   $139,595   $—   $139,595 
                     
Liabilities:                    
Interest rate swaps  $—   $7,087   $—   $7,087 

 

                     
   December 31, 2022 
   Level 1   Level 2   Level 3   Total 
Assets:  (In thousands) 
Available-for-sale securities  $—   $146,997   $—   $146,997 
Marketable equity securities   6,237    —    —    6,237 
Interest rate swaps   —    6,343    —    6,343 
Total assets  $6,237   $153,340   $—   $159,577 
                     
Liabilities:                    
Interest rate swaps  $—   $6,343   $—   $6,343 
The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of September 30, 2023 and December 31, 2022:

The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of September 30, 2023 and December 31, 2022:

 

       Nine Months Ended 
   At September 30, 2023   September 30, 2023 
               Total 
   Level 1   Level 2   Level 3   Losses 
   (In thousands)   (In thousands) 
         
Collateral Dependent Loans  $—   $—   $239   $1,828 

 

 

       Nine Months Ended 
   At December 31, 2022   September 30, 2022 
               Total 
   Level 1   Level 2   Level 3   Losses 
   (In thousands)   (In thousands) 
         
Impaired Loans  $—   $—   $877   $— 
The estimated fair values of our financial instruments are as follows:

The estimated fair values of our financial instruments are as follows:

                                       
   September 30, 2023 
   Carrying
Value		   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (In thousands) 
Assets:                    
Cash and cash equivalents  $62,267   $62,267   $—   $—   $62,267 
Securities held-to-maturity   225,020    9,236    167,625    —    176,861 
Securities available-for-sale   130,709    —    130,709    —    130,709 
Federal Home Loan Bank of Boston and other restricted stock   3,063    —    —    3,063    3,063 
Loans - net   1,994,842    —    —    1,827,262    1,827,262 
Accrued interest receivable   8,281    —    —    8,281    8,281 
Mortgage servicing rights   445    —    745    —    745 
Derivative asset   8,886    —    8,886    —    8,886 
                          
Liabilities:                         
Deposits   2,176,303    —    —    2,171,517    2,171,517 
Short-term borrowings   8,890    —    8,890    —    8,890 
Long-term debt   121,178    —    120,591    —    120,591 
Subordinated debt   19,702    —    17,200    —    17,200 
Accrued interest payable   2,130    —    —    2,130    2,130 
Derivative liabilities   7,087    —    7,087    —    7,087 
                          

 

 

                          
   December 31, 2022 
   Carrying Value   Fair Value 
       Level 1   Level 2   Level 3   Total 
   (In thousands) 
Assets:                    
Cash and cash equivalents  $30,342   $30,342   $—   $—   $30,342 
Securities held-to-maturity   230,168    9,162    181,788    —    190,950 
Securities available-for-sale   146,997    —    146,997    —    146,997 
Marketable equity securities   6,237    6,237    —    —    6,237 
Federal Home Loan Bank of Boston and other restricted stock   3,352    —    —    3,352    3,352 
Loans - net   1,971,469    —    —    1,856,087    1,856,087 
Accrued interest receivable   8,140    —    —    8,140    8,140 
Mortgage servicing rights   550    —    794    —    794 
Derivative asset   6,343    —    6,343    —    6,343 
                          
Liabilities:                         
Deposits   2,229,443    —    —    2,220,405    2,220,405 
Short-term borrowings   41,350    —    41,350    —    41,350 
Long-term debt   1,178    —    1,094    —    1,094 
Subordinated debt   19,673    —    18,132    —    18,132 
Accrued interest payable   186    —    —    186    186 
Derivative liabilities   6,343    —    6,343    —    6,343 
                          
XML 41 R31.htm IDEA: XBRL DOCUMENT v3.23.3
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative)
Sep. 30, 2023
N
Accounting Policies [Abstract]  
Number of banking offices in which bank operates 25
XML 42 R32.htm IDEA: XBRL DOCUMENT v3.23.3
Earnings per share for the three and nine months ended September 30, 2023 and 2022 have been computed based on the following: (Details) - USD ($)
$ / shares in Units, shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Earnings per common share:        
Net income applicable to common stock $ 4,490 $ 5,999 $ 12,557 $ 16,853
Average number of common shares issued 22,055 22,317 22,140 22,531
Less: Average unallocated ESOP Shares (329) (406) (347) (425)
Less: Average unvested performance-based equity incentive plan shares (166) (154) (162) (158)
Average number of common shares outstanding used to calculate basic earnings per common share 21,561 21,757 21,631 21,948
Effect of dilutive performance-based equity incentive plan 119 40 50 33
Effect of dilutive stock options 13 20
Average number of common shares outstanding used to calculate diluted earnings per common share 21,680 21,810 21,681 22,001
Basic earnings per share $ 0.21 $ 0.28 $ 0.58 $ 0.77
Diluted earnings per share $ 0.21 $ 0.28 $ 0.58 $ 0.77
XML 43 R33.htm IDEA: XBRL DOCUMENT v3.23.3
The components of accumulated other comprehensive loss included in shareholders’ equity are as follows: (Details) - USD ($)
$ in Thousands
Sep. 30, 2023
Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Line Items]    
Accumulated other comprehensive loss $ (28,686) $ (25,042)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member]    
Accumulated Other Comprehensive Income (Loss) [Line Items]    
Accumulated other comprehensive income (loss) before tax (38,488) (32,159)
Tax effect 9,802 8,197
Accumulated other comprehensive loss (28,686) (23,962)
Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]    
Accumulated Other Comprehensive Income (Loss) [Line Items]    
Accumulated other comprehensive income (loss) before tax (1,501)
Tax effect 421
Accumulated other comprehensive loss $ (1,080)
XML 44 R34.htm IDEA: XBRL DOCUMENT v3.23.3
Available-for-sale and held-to-maturity investment securities at September 30, 2023 and December 31, 2022 are summarized as follows: (Details) - USD ($)
$ in Thousands
Sep. 30, 2023
Dec. 31, 2022
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost $ 169,197 $ 179,156
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (38,488) (32,159)
Available-for-sale securities, at fair value 130,709 146,997
Held-to-maturity securities, amortized cost 225,020 230,168
Held-to-maturity securities, gross unrealized gains 67
Held-to-maturity securities, gross unrealized losses (48,159) (39,285)
Held-to-maturity securities, fair value 176,861 190,950
Total, amortized cost 394,217 409,324
Total, gross unrealized gains 67
Total, gross unrealized losses (86,647) (71,444)
Total, fair value 307,570 337,947
Government-sponsored enterprise obligations [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 14,921 14,913
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (3,758) (3,345)
Available-for-sale securities, at fair value 11,163 11,568
State and Municipal Bonds [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 135 270
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (2)
Available-for-sale securities, at fair value 133 270
Corporate Debt Securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 8,001 8,012
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (1,160) (519)
Available-for-sale securities, at fair value 6,841 7,493
Debt Securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 23,057 23,195
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (4,920) (3,864)
Available-for-sale securities, at fair value 18,137 19,331
Held-to-maturity securities, amortized cost 9,993 9,987
Held-to-maturity securities, gross unrealized gains
Held-to-maturity securities, gross unrealized losses (757) (825)
Held-to-maturity securities, fair value 9,236 9,162
Government-sponsored mortgage-backed securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 139,358 148,544
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (31,959) (26,826)
Available-for-sale securities, at fair value 107,399 121,718
Held-to-maturity securities, amortized cost 215,027 220,181
Held-to-maturity securities, gross unrealized gains 67
Held-to-maturity securities, gross unrealized losses (47,402) (38,460)
Held-to-maturity securities, fair value 167,625 181,788
U.S. government guaranteed mortgage-backed securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 6,782 7,417
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (1,609) (1,469)
Available-for-sale securities, at fair value 5,173 5,948
Collateralized Mortgage-Backed Securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, amortized cost 146,140 155,961
Available-for-sale securities, gross unrealized gains
Available-for-sale securities, gross unrealized losses (33,568) (28,295)
Available-for-sale securities, at fair value 112,572 127,666
Held-to-maturity securities, amortized cost 215,027 220,181
Held-to-maturity securities, gross unrealized gains 67
Held-to-maturity securities, gross unrealized losses (47,402) (38,460)
Held-to-maturity securities, fair value 167,625 181,788
US Treasury Securities [Member]    
Marketable Securities [Line Items]    
Held-to-maturity securities, amortized cost 9,993 9,987
Held-to-maturity securities, gross unrealized gains
Held-to-maturity securities, gross unrealized losses (757) (825)
Held-to-maturity securities, fair value $ 9,236 $ 9,162
XML 45 R35.htm IDEA: XBRL DOCUMENT v3.23.3
The following table presents the unrealized losses recognized on marketable equity securities for the periods indicated: (Details) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Investments, Debt and Equity Securities [Abstract]    
Net losses recognized during the period on marketable equity securities $ (736)
Unrealized losses recognized during the period on marketable equity securities still held at end of period $ (736)
XML 46 R36.htm IDEA: XBRL DOCUMENT v3.23.3
The amortized cost and fair value of available-for-sale and held-to-maturity investment securities at September 30, 2023, by final maturity, are shown below (Details) - USD ($)
$ in Thousands
Sep. 30, 2023
Dec. 31, 2022
Marketable Securities [Line Items]    
Amortized cost, available for sale $ 169,197 $ 179,156
Fair value, available for sale 130,709 146,997
Amortized cost, held to maturity 225,020 230,168
Fair value, held to maturity 176,861 190,950
Debt Securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, due in one year or less, amortized cost 3,136  
Available-for-sale securities, due in one year or less, fair value 3,098  
Held-to-maturity securities, due in one year or less, amortized cost  
Held-to-maturity securities, due in one year or less, fair value  
Available-for-sale securities, due after one year through five years, amortized cost  
Available-for-sale securities, due after one year through five years, fair value  
Held-to-maturity securities, due after one year through five years, amortized cost 9,993  
Held-to-maturity securities, due after one year through five years, fair value 9,236  
Available-for-sale securities, due after five years through ten years, amortized cost 19,921  
Available-for-sale securities, due after five years through ten years, fair value 15,039  
Held-to-maturity securities, due after five years through ten years, amortized cost  
Held-to-maturity securities, due after five years through ten years, fair value  
Available-for-sale securities, due after ten years, amortized cost  
Available-for-sale securities, due after ten years, fair value  
Held-to-maturity securities, due after ten years, amortized cost  
Held-to-maturity securities, due after ten years, fair value  
Amortized cost, available for sale 23,057 23,195
Fair value, available for sale 18,137 19,331
Amortized cost, held to maturity 9,993 9,987
Fair value, held to maturity 9,236 9,162
Collateralized Mortgage-Backed Securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale securities, due after one year through five years, amortized cost 475  
Available-for-sale securities, due after one year through five years, fair value 445  
Held-to-maturity securities, due after one year through five years, amortized cost  
Held-to-maturity securities, due after one year through five years, fair value  
Available-for-sale securities, due after five years through ten years, amortized cost 1,505  
Available-for-sale securities, due after five years through ten years, fair value 1,347  
Held-to-maturity securities, due after five years through ten years, amortized cost  
Held-to-maturity securities, due after five years through ten years, fair value  
Available-for-sale securities, due after ten years, amortized cost 144,160  
Available-for-sale securities, due after ten years, fair value 110,780  
Held-to-maturity securities, due after ten years, amortized cost 215,027  
Held-to-maturity securities, due after ten years, fair value 167,625  
Amortized cost, available for sale 146,140 155,961
Fair value, available for sale 112,572 127,666
Amortized cost, held to maturity 215,027 220,181
Fair value, held to maturity $ 167,625 $ 181,788
XML 47 R37.htm IDEA: XBRL DOCUMENT v3.23.3
Gross realized gains and losses on sales of available-for-sale investment securities for the three and nine months ended September 30, 2023 and 2022 are as follows: (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Investments, Debt and Equity Securities [Abstract]        
Gross losses realized $ (4)
Net loss realized $ (4)
XML 48 R38.htm IDEA: XBRL DOCUMENT v3.23.3
Information pertaining to investment securities with gross unrealized losses (Details)
$ in Thousands
Sep. 30, 2023
USD ($)
N
Dec. 31, 2022
USD ($)
N
Marketable Securities [Line Items]    
Available-for-sale, less than 12 months, number of securities | N 1 14
Available-for-sale, less than 12 months, fair value $ 133 $ 16,739
Available-for-sale, less than 12 months, gross unrealized loss $ 2 $ 1,315
Available-for-sale, over 12 months, number of securities | N 85 71
Available-for-sale, over 12 months, fair value $ 130,576 $ 129,989
Available-for-sale, over 12 months, gross unrealized loss $ 38,486 $ 30,844
Held-to-maturity, less than 12 months, number of securities | N 5 6
Held-to-maturity, less than 12 months, fair value $ 11,567 $ 18,911
Held-to-maturity, less than 12 months, gross unrealized loss $ 432 $ 2,116
Held-to-maturity, over 12 months, number of securities | N 38 33
Held-to-maturity, over 12 months, fair value $ 165,294 $ 167,109
Held-to-maturity, over 12 months, gross unrealized loss $ 47,727 $ 37,169
Total, less than 12 months, number of securities | N 6 20
Total, less than 12 months, fair value $ 11,700 $ 35,650
Total, less than 12 months, gross unrealized loss $ 434 $ 3,431
Total, over 12 months, number of securities | N 123 104
Total, over 12 months, fair value $ 295,870 $ 297,098
Total, over 12 months, gross unrealized loss $ 86,213 $ 68,013
Government-sponsored mortgage-backed securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale, less than 12 months, number of securities | N 10
Available-for-sale, less than 12 months, fair value $ 9,133
Available-for-sale, less than 12 months, gross unrealized loss $ 776
Available-for-sale, less than 12 months, depreciation from amortized cost basis (%) 7.80%
Available-for-sale, over 12 months, number of securities | N 70 60
Available-for-sale, over 12 months, fair value $ 107,399 $ 112,586
Available-for-sale, over 12 months, gross unrealized loss $ 31,959 $ 26,050
Available-for-sale, over 12 months, depreciation from amortized cost basis (%) 22.90% 18.80%
Held-to-maturity, less than 12 months, number of securities | N 5 6
Held-to-maturity, less than 12 months, fair value $ 11,567 $ 18,911
Held-to-maturity, less than 12 months, gross unrealized loss $ 432 $ 2,116
Held-to-maturity, less than 12 months, depreciation from amortized cost basis (%) 3.60% 10.10%
Held-to-maturity, over 12 months, number of securities | N 36 31
Held-to-maturity, over 12 months, fair value $ 156,058 $ 157,947
Held-to-maturity, over 12 months, gross unrealized loss $ 46,970 $ 36,344
Held-to-maturity, over 12 months, depreciation from amortized cost basis (%) 23.10% 18.70%
U.S. government guaranteed mortgage-backed securities [Member]    
Marketable Securities [Line Items]    
Available-for-sale, less than 12 months, number of securities | N 1
Available-for-sale, less than 12 months, fair value $ 113
Available-for-sale, less than 12 months, gross unrealized loss $ 20
Available-for-sale, less than 12 months, depreciation from amortized cost basis (%) 15.00%
Available-for-sale, over 12 months, number of securities | N 9 8
Available-for-sale, over 12 months, fair value $ 5,173 $ 5,835
Available-for-sale, over 12 months, gross unrealized loss $ 1,609 $ 1,449
Available-for-sale, over 12 months, depreciation from amortized cost basis (%) 23.70% 19.90%
Government-sponsored enterprise obligations [Member]    
Marketable Securities [Line Items]    
Available-for-sale, less than 12 months, number of securities | N
Available-for-sale, less than 12 months, fair value
Available-for-sale, less than 12 months, gross unrealized loss
Available-for-sale, less than 12 months, depreciation from amortized cost basis (%)
Available-for-sale, over 12 months, number of securities | N 3 3
Available-for-sale, over 12 months, fair value $ 11,163 $ 11,568
Available-for-sale, over 12 months, gross unrealized loss $ 3,758 $ 3,345
Available-for-sale, over 12 months, depreciation from amortized cost basis (%) 25.20% 22.40%
Corporate Bonds [Member]    
Marketable Securities [Line Items]    
Available-for-sale, less than 12 months, number of securities | N 3
Available-for-sale, less than 12 months, fair value $ 7,493
Available-for-sale, less than 12 months, gross unrealized loss $ 519
Available-for-sale, less than 12 months, depreciation from amortized cost basis (%) 6.50%
Available-for-sale, over 12 months, number of securities | N 3
Available-for-sale, over 12 months, fair value $ 6,841
Available-for-sale, over 12 months, gross unrealized loss $ 1,160
Available-for-sale, over 12 months, depreciation from amortized cost basis (%) 14.50%
State and Municipal Bonds [Member]    
Marketable Securities [Line Items]    
Available-for-sale, less than 12 months, number of securities | N 1  
Available-for-sale, less than 12 months, fair value $ 133  
Available-for-sale, less than 12 months, gross unrealized loss $ 2  
Available-for-sale, less than 12 months, depreciation from amortized cost basis (%) 1.50%  
Available-for-sale, over 12 months, number of securities | N  
Available-for-sale, over 12 months, fair value  
Available-for-sale, over 12 months, gross unrealized loss  
Available-for-sale, over 12 months, depreciation from amortized cost basis (%)  
US Treasury Securities [Member]    
Marketable Securities [Line Items]    
Held-to-maturity, less than 12 months, number of securities | N
Held-to-maturity, less than 12 months, fair value
Held-to-maturity, less than 12 months, gross unrealized loss
Held-to-maturity, less than 12 months, depreciation from amortized cost basis (%)
Held-to-maturity, over 12 months, number of securities | N 2 2
Held-to-maturity, over 12 months, fair value $ 9,236 $ 9,162
Held-to-maturity, over 12 months, gross unrealized loss $ 757 $ 825
Held-to-maturity, over 12 months, depreciation from amortized cost basis (%) 7.60% 8.30%
XML 49 R39.htm IDEA: XBRL DOCUMENT v3.23.3
INVESTMENT SECURITIES (Details Narrative)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2023
USD ($)
Sep. 30, 2023
USD ($)
N
Sep. 30, 2022
USD ($)
Dec. 31, 2022
USD ($)
Marketable Securities [Line Items]        
Proceeds from redemption of marketable equity securities $ 6,300      
Securities fair value   $ 307,570   $ 337,947
Proceeds from the sales and redemptions of available-for-sale securities   $ 20  
Accrued interest receivable on held-to-maturity securities   469    
Guaranteed by government agencies [Member]        
Marketable Securities [Line Items]        
Accrued interest receivable on available for sale securities   329    
Not guaranteed by government agencies [Member]        
Marketable Securities [Line Items]        
Accrued interest receivable on available for sale securities   $ 77    
Corporate Bonds [Member] | External Credit Rating, Non Investment Grade [Member]        
Marketable Securities [Line Items]        
Number of securities | N   2    
Asset Pledged as Collateral [Member] | Deposits [Member] | US Treasury Securities [Member]        
Marketable Securities [Line Items]        
Securities fair value   $ 9,200    
Asset Pledged as Collateral [Member] | Deposits [Member] | Government-sponsored enterprise obligations [Member]        
Marketable Securities [Line Items]        
Securities fair value   7,300    
Asset Pledged as Collateral [Member] | Deposits [Member] | Collateralized Mortgage-Backed Securities [Member]        
Marketable Securities [Line Items]        
Securities fair value   $ 168,000    
XML 50 R40.htm IDEA: XBRL DOCUMENT v3.23.3
Major classifications of loans as of the dates indicated were as follows: (Details) - USD ($)
$ in Thousands
Sep. 30, 2023
Jun. 30, 2023
 [3]
Dec. 31, 2022
Sep. 30, 2022
Jun. 30, 2022
Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]            
Total gross loans $ 2,012,488   $ 1,989,276 [1]      
Unamortized PPP loan fees (70)   (109)      
Unearned premiums and deferred loan fees and costs, net 2,402   2,233      
Total loans, net 2,014,820   1,991,400      
Allowance for credit losses (19,978) [2],[3] $ (19,647) (19,931) [2],[4] $ (20,208) $ (19,560) $ (19,787)
Net loans 1,994,842   1,971,469      
Commercial Real Estate [Member]            
Accounts, Notes, Loans and Financing Receivable [Line Items]            
Total gross loans 1,080,361   1,069,323      
Allowance for credit losses (15,573) [3] (15,752) (12,199) (12,551) (12,483) (12,970)
Residential Mortgage [Member]            
Accounts, Notes, Loans and Financing Receivable [Line Items]            
Total gross loans 606,221   589,503      
Home Equity Line of Credit [Member]            
Accounts, Notes, Loans and Financing Receivable [Line Items]            
Total gross loans 107,561   105,557      
Residential Portfolio Segment [Member]            
Accounts, Notes, Loans and Financing Receivable [Line Items]            
Total gross loans 713,782   695,060      
Allowance for credit losses (2,389) [3] (2,356) (4,312) (4,250) (4,164) (3,964)
Commercial and Industrial Paycheck Protection Program [Member]            
Accounts, Notes, Loans and Financing Receivable [Line Items]            
Total gross loans 1,415   2,274      
Commercial and Industrial [Member]            
Accounts, Notes, Loans and Financing Receivable [Line Items]            
Total gross loans 211,162   217,574      
Commercial and Industrial Sector [Member]            
Accounts, Notes, Loans and Financing Receivable [Line Items]            
Total gross loans 212,577   219,848      
Allowance for credit losses (1,968) [3] (1,487) (3,160) (3,181) (2,686) (2,643)
Consumer Loan [Member]            
Accounts, Notes, Loans and Financing Receivable [Line Items]            
Total gross loans 5,768   5,045      
Allowance for credit losses $ (48) [3] $ (52) $ (245) $ (222) $ (210) $ (197)
[1] Purchase credit deteriorated (“PCD loans”) gross up of cost basis of loans totaled $422,000 for commercial real estate loans and $1,691,000 for commercial and industrial loans.
[2] The Company adopted ASU 2016-13 on January 1, 2023 with a modified retrospective approach. Accordingly, beginning at January 1, 2023, the allowance for credit losses was determined in accordance with ASC 326, “Financial Instruments-Credit Losses.”
[3] The balance of $7.3 million and $6.8 million in accrued interest receivable is excluded from amortized cost and the calculation of the allowance for credit losses at September 30, 2023 and June 30, 2023, respectively.
[4] Increase to allowance for credit losses on loans of $2,113,000 for PCD loans gross up and a decrease of $931,000 for pooled loans through retained earnings.
XML 51 R41.htm IDEA: XBRL DOCUMENT v3.23.3
A summary of the activity in the balances of mortgage servicing rights follows: (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2023
Receivables [Abstract]    
Balance at the beginning of period: $ 480 $ 550
Amortization (35) (105)
Balance at the end of period 445 445
Fair value at the end of period $ 745 $ 745
XML 52 R42.htm IDEA: XBRL DOCUMENT v3.23.3
The following table illustrates the impact of ASC 326: (Details) - USD ($)
$ in Thousands
Sep. 30, 2023
Jun. 30, 2023
Dec. 31, 2022
Sep. 30, 2022
Jun. 30, 2022
Dec. 31, 2021
New Accounting Pronouncements or Change in Accounting Principle [Line Items]            
Loans $ 2,012,488   $ 1,989,276 [1]      
Allowance for credit losses on loans (19,978) [2],[3] $ (19,647) [3] (19,931) [2],[4] $ (20,208) $ (19,560) $ (19,787)
Deferred tax asset 16,206   15,027      
Allowance for credit losses on off-balance sheet exposures (536) $ (591)      
Retained earnings, net of tax $ (135,966)   (127,982)      
Cumulative Effect, Period of Adoption, Adjusted Balance [Member]            
New Accounting Pronouncements or Change in Accounting Principle [Line Items]            
Loans [1]     1,991,389      
Allowance for credit losses on loans [4]     (21,113)      
Deferred tax asset     15,023      
Allowance for credit losses on off-balance sheet exposures     (918)      
Retained earnings, net of tax     (127,991)      
Cumulative Effect, Period of Adoption, Adjustment [Member]            
New Accounting Pronouncements or Change in Accounting Principle [Line Items]            
Loans [1]     2,113      
Allowance for credit losses on loans [4],[5]     (1,182)      
Deferred tax asset     (4)      
Allowance for credit losses on off-balance sheet exposures     (918)      
Retained earnings, net of tax     $ (9)      
[1] Purchase credit deteriorated (“PCD loans”) gross up of cost basis of loans totaled $422,000 for commercial real estate loans and $1,691,000 for commercial and industrial loans.
[2] The Company adopted ASU 2016-13 on January 1, 2023 with a modified retrospective approach. Accordingly, beginning at January 1, 2023, the allowance for credit losses was determined in accordance with ASC 326, “Financial Instruments-Credit Losses.”
[3] The balance of $7.3 million and $6.8 million in accrued interest receivable is excluded from amortized cost and the calculation of the allowance for credit losses at September 30, 2023 and June 30, 2023, respectively.
[4] Increase to allowance for credit losses on loans of $2,113,000 for PCD loans gross up and a decrease of $931,000 for pooled loans through retained earnings.
[5] Represents the net adjustment needed to reflect the cumulative day one impact pursuant to the Company’s adoption of ASU 2016-13 (i.e., cumulative effect adjustment related to the adoption of ASU 2016-13 as of January 1, 2023). The adjustment represents a $931,000 decrease to the allowance for loans attributable to the change in accounting methodology for estimating the allowance for credit losses resulting from the Company’s adoption of the standard. The adjustment also includes the adjustment needed to reflect the day one reclassification of the Company’s PCI loan balances to PCD loan balances and the associated gross-up of $2,113,000, pursuant to the Company’s adoption of ASU 2016-13.
XML 53 R43.htm IDEA: XBRL DOCUMENT v3.23.3
An analysis of changes in the allowance for credit losses by segment for the three and nine months ended September 30, 2023 and the allowance for credit losses for the three and nine months ended September 30, 2022 is as follows: (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses $ 19,647 [1] $ 19,560 $ 19,931 [2],[3] $ 19,787
Provision (reversal) for credit losses 409 675 768 550
Charge-offs (193) (59) (2,091) (231)
Recoveries 115 32 188 102
Ending balance, allowance for credit losses 19,978 [1],[3] 20,208 19,978 [1],[3] 20,208
Allowance for credit losses for off-balance sheet exposures        
Beginning balance 591    
Reversal of credit losses (55)   (382)  
Ending balance 536   536  
Cumulative Effect, Period of Adoption, Adjustment [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses [2],[4]     1,182  
Allowance for credit losses for off-balance sheet exposures        
Beginning balance     918  
Cumulative Effect, Period of Adoption, Adjusted Balance [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses [2]     21,113  
Allowance for credit losses for off-balance sheet exposures        
Beginning balance     918  
Commercial Real Estate [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses 15,752 [1] 12,483 12,199 12,970
Provision (reversal) for credit losses (188) 68 (211) (382)
Charge-offs (414) (37)
Recoveries 9 10
Ending balance, allowance for credit losses 15,573 [1] 12,551 15,573 [1] 12,551
Allowance for credit losses for off-balance sheet exposures        
Beginning balance 395    
Reversal of credit losses (79)   (295)  
Ending balance 316   316  
Commercial Real Estate [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses [4]     3,989  
Allowance for credit losses for off-balance sheet exposures        
Beginning balance     611  
Commercial Real Estate [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses     16,188  
Residential Portfolio Segment [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses 2,356 [1] 4,164 4,312 3,964
Provision (reversal) for credit losses 31 86 570 282
Charge-offs (27)
Recoveries 2 25 31
Ending balance, allowance for credit losses 2,389 [1] 4,250 2,389 [1] 4,250
Allowance for credit losses for off-balance sheet exposures        
Beginning balance 163    
Reversal of credit losses 4   (100)  
Ending balance 167   167  
Residential Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses [4]     (2,518)  
Allowance for credit losses for off-balance sheet exposures        
Beginning balance     267  
Residential Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses     1,794  
Commercial and Industrial Sector [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses 1,487 [1] 2,686 3,160 2,643
Provision (reversal) for credit losses 551 481 348 538
Charge-offs (147) (1,561) (22)
Recoveries 77 14 96 22
Ending balance, allowance for credit losses 1,968 [1] 3,181 1,968 [1] 3,181
Allowance for credit losses for off-balance sheet exposures        
Beginning balance 33    
Reversal of credit losses 20   13  
Ending balance 53   53  
Commercial and Industrial Sector [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses [4]     (75)  
Allowance for credit losses for off-balance sheet exposures        
Beginning balance     40  
Commercial and Industrial Sector [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses     3,085  
Consumer Loan [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses 52 [1] 210 245 197
Provision (reversal) for credit losses 15 53 61 121
Charge-offs (46) (59) (116) (145)
Recoveries 27 18 57 49
Ending balance, allowance for credit losses 48 [1] 222 48 [1] 222
Allowance for credit losses for off-balance sheet exposures        
Beginning balance    
Reversal of credit losses    
Ending balance    
Consumer Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses [4]     (199)  
Allowance for credit losses for off-balance sheet exposures        
Beginning balance      
Consumer Loan [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses     46  
Unallocated [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses [1] 17 15 13
Provision (reversal) for credit losses (13) (9)
Charge-offs
Recoveries
Ending balance, allowance for credit losses [1] $ 4 [1] $ 4
Allowance for credit losses for off-balance sheet exposures        
Beginning balance    
Reversal of credit losses    
Ending balance    
Unallocated [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses [4]     (15)  
Allowance for credit losses for off-balance sheet exposures        
Beginning balance      
Unallocated [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning balance, allowance for credit losses      
[1] The balance of $7.3 million and $6.8 million in accrued interest receivable is excluded from amortized cost and the calculation of the allowance for credit losses at September 30, 2023 and June 30, 2023, respectively.
[2] Increase to allowance for credit losses on loans of $2,113,000 for PCD loans gross up and a decrease of $931,000 for pooled loans through retained earnings.
[3] The Company adopted ASU 2016-13 on January 1, 2023 with a modified retrospective approach. Accordingly, beginning at January 1, 2023, the allowance for credit losses was determined in accordance with ASC 326, “Financial Instruments-Credit Losses.”
[4] Represents the net adjustment needed to reflect the cumulative day one impact pursuant to the Company’s adoption of ASU 2016-13 (i.e., cumulative effect adjustment related to the adoption of ASU 2016-13 as of January 1, 2023). The adjustment represents a $931,000 decrease to the allowance for loans attributable to the change in accounting methodology for estimating the allowance for credit losses resulting from the Company’s adoption of the standard. The adjustment also includes the adjustment needed to reflect the day one reclassification of the Company’s PCI loan balances to PCD loan balances and the associated gross-up of $2,113,000, pursuant to the Company’s adoption of ASU 2016-13.
XML 54 R44.htm IDEA: XBRL DOCUMENT v3.23.3
The following tables presents information pertaining to the allowance for credit losses by segment Pre-ASC 326 CECL adoption for the date indicated: (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]          
Beginning balance, allowance for credit losses $ 19,647 [1] $ 19,560 $ 19,931 [2],[3] $ 19,787  
Provision (credit) 409 675 768 550  
Charge-offs (193) (59) (2,091) (231)  
Recoveries 115 32 188 102  
Ending balance, allowance for credit losses 19,978 [1],[3] 20,208 19,978 [1],[3] 20,208  
Amount of allowance for impaired loans 179   179  
Amount of allowance for non-impaired loans         19,931
Total allowance for loan losses 19,978 [1],[3] 20,208 19,978 [1],[3] 20,208 19,931 [2],[3]
Impaired loans         13,208
Non-impaired loans         1,970,870
Impaired loans acquired with deteriorated credit quality         5,198
Total loans 2,012,488   2,012,488   1,989,276 [4]
Commercial Real Estate [Member]          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Beginning balance, allowance for credit losses 15,752 [1] 12,483 12,199 12,970  
Provision (credit) (188) 68 (211) (382)  
Charge-offs (414) (37)  
Recoveries 9 10  
Ending balance, allowance for credit losses 15,573 [1] 12,551 15,573 [1] 12,551  
Amount of allowance for impaired loans        
Amount of allowance for non-impaired loans         12,199
Total allowance for loan losses 15,573 [1] 12,551 15,573 [1] 12,551 12,199
Impaired loans         9,178
Non-impaired loans         1,056,886
Impaired loans acquired with deteriorated credit quality         3,259
Total loans 1,080,361   1,080,361   1,069,323
Residential Portfolio Segment [Member]          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Beginning balance, allowance for credit losses 2,356 [1] 4,164 4,312 3,964  
Provision (credit) 31 86 570 282  
Charge-offs (27)  
Recoveries 2 25 31  
Ending balance, allowance for credit losses 2,389 [1] 4,250 2,389 [1] 4,250  
Amount of allowance for impaired loans        
Amount of allowance for non-impaired loans         4,312
Total allowance for loan losses 2,389 [1] 4,250 2,389 [1] 4,250 4,312
Impaired loans         3,623
Non-impaired loans         689,776
Impaired loans acquired with deteriorated credit quality         1,661
Total loans 713,782   713,782   695,060
Commercial and Industrial Sector [Member]          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Beginning balance, allowance for credit losses 1,487 [1] 2,686 3,160 2,643  
Provision (credit) 551 481 348 538  
Charge-offs (147) (1,561) (22)  
Recoveries 77 14 96 22  
Ending balance, allowance for credit losses 1,968 [1] 3,181 1,968 [1] 3,181  
Amount of allowance for impaired loans 179   179  
Amount of allowance for non-impaired loans         3,160
Total allowance for loan losses 1,968 [1] 3,181 1,968 [1] 3,181 3,160
Impaired loans         407
Non-impaired loans         219,163
Impaired loans acquired with deteriorated credit quality         278
Total loans 212,577   212,577   219,848
Consumer Loan [Member]          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Beginning balance, allowance for credit losses 52 [1] 210 245 197  
Provision (credit) 15 53 61 121  
Charge-offs (46) (59) (116) (145)  
Recoveries 27 18 57 49  
Ending balance, allowance for credit losses 48 [1] 222 48 [1] 222  
Amount of allowance for impaired loans        
Amount of allowance for non-impaired loans         245
Total allowance for loan losses 48 [1] 222 48 [1] 222 245
Impaired loans        
Non-impaired loans         5,045
Impaired loans acquired with deteriorated credit quality        
Total loans 5,768   5,768   5,045
Unallocated [Member]          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Beginning balance, allowance for credit losses [1] 17 15 13  
Provision (credit) (13) (9)  
Charge-offs  
Recoveries  
Ending balance, allowance for credit losses [1] 4 [1] 4  
Amount of allowance for impaired loans        
Amount of allowance for non-impaired loans         15
Total allowance for loan losses [1] $ 4 [1] $ 4 15
Impaired loans        
Non-impaired loans        
Impaired loans acquired with deteriorated credit quality        
Total loans        
[1] The balance of $7.3 million and $6.8 million in accrued interest receivable is excluded from amortized cost and the calculation of the allowance for credit losses at September 30, 2023 and June 30, 2023, respectively.
[2] Increase to allowance for credit losses on loans of $2,113,000 for PCD loans gross up and a decrease of $931,000 for pooled loans through retained earnings.
[3] The Company adopted ASU 2016-13 on January 1, 2023 with a modified retrospective approach. Accordingly, beginning at January 1, 2023, the allowance for credit losses was determined in accordance with ASC 326, “Financial Instruments-Credit Losses.”
[4] Purchase credit deteriorated (“PCD loans”) gross up of cost basis of loans totaled $422,000 for commercial real estate loans and $1,691,000 for commercial and industrial loans.
XML 55 R45.htm IDEA: XBRL DOCUMENT v3.23.3
The following tables present an age analysis of past due loans as of the dates indicated: (Details) - USD ($)
$ in Thousands
Sep. 30, 2023
Dec. 31, 2022
Financing Receivable, Past Due [Line Items]    
Total loans $ 2,012,488 $ 1,989,276 [1]
Non-Accrual Loans 6,290 [2] 5,694
Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 3,639 2,160
Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 458 418
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,527 1,891
Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 5,624 4,469
Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 2,006,864 1,984,807
Commercial Real Estate [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,080,361 1,069,323
Non-Accrual Loans 1,662 [2] 1,933
Commercial Real Estate [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 940
Commercial Real Estate [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 92 211
Commercial Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 595 1,404
Commercial Real Estate [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,627 1,615
Commercial Real Estate [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 1,078,734 1,067,708
Residential Mortgage [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 606,221 589,503
Non-Accrual Loans 4,030 [2] 3,290
Residential Mortgage [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 2,539 1,768
Residential Mortgage [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 266 100
Residential Mortgage [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 683 414
Residential Mortgage [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 3,488 2,282
Residential Mortgage [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 602,733 587,221
Home Equity Line of Credit [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 107,561 105,557
Non-Accrual Loans 130 [2] 181
Home Equity Line of Credit [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 83 209
Home Equity Line of Credit [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 100 97
Home Equity Line of Credit [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 13 51
Home Equity Line of Credit [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 196 357
Home Equity Line of Credit [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 107,365 105,200
Residential Portfolio Segment [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 713,782 695,060
Non-Accrual Loans 4,160 3,471
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 2,622 1,977
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 366 197
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 696 465
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 3,684 2,639
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 710,098 692,421
Commercial and Industrial Sector [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 212,577 219,848
Non-Accrual Loans 459 [2] 290
Commercial and Industrial Sector [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 75 170
Commercial and Industrial Sector [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 10
Commercial and Industrial Sector [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 236 22
Commercial and Industrial Sector [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 311 202
Commercial and Industrial Sector [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 212,266 219,646
Consumer Loan [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 5,768 5,045
Non-Accrual Loans 9 [2]
Consumer Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 2 13
Consumer Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans
Consumer Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans
Consumer Loan [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans 2 13
Consumer Loan [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total loans $ 5,766 $ 5,032
[1] Purchase credit deteriorated (“PCD loans”) gross up of cost basis of loans totaled $422,000 for commercial real estate loans and $1,691,000 for commercial and industrial loans.
[2] The Company adopted ASU 2016-13 as of January 1, 2023.
XML 56 R46.htm IDEA: XBRL DOCUMENT v3.23.3
The following table presents information regarding nonaccrual loans as of the date indicated: (Details) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2023
Dec. 31, 2022
Financing Receivable, Past Due [Line Items]    
Financing Receivable, Nonaccrual, With Allowance [1]  
Financing Receivable, Nonaccrual, No Allowance [1] 6,290  
Financing Receivable, Nonaccrual 6,290 [1] $ 5,694
Financing Receivable, 90 Days or More Past Due, Still Accruing [1]  
Accrued Interest Receivable Reversed from Income 356  
Commercial Real Estate [Member]    
Financing Receivable, Past Due [Line Items]    
Financing Receivable, Nonaccrual, With Allowance [1]  
Financing Receivable, Nonaccrual, No Allowance [1] 1,662  
Financing Receivable, Nonaccrual 1,662 [1] 1,933
Financing Receivable, 90 Days or More Past Due, Still Accruing [1]  
Accrued Interest Receivable Reversed from Income 85  
Residential Mortgage [Member]    
Financing Receivable, Past Due [Line Items]    
Financing Receivable, Nonaccrual, With Allowance [1]  
Financing Receivable, Nonaccrual, No Allowance [1] 4,030  
Financing Receivable, Nonaccrual 4,030 [1] 3,290
Financing Receivable, 90 Days or More Past Due, Still Accruing [1]  
Accrued Interest Receivable Reversed from Income 131  
Home Equity Line of Credit [Member]    
Financing Receivable, Past Due [Line Items]    
Financing Receivable, Nonaccrual, With Allowance [1]  
Financing Receivable, Nonaccrual, No Allowance [1] 130  
Financing Receivable, Nonaccrual 130 [1] 181
Financing Receivable, 90 Days or More Past Due, Still Accruing [1]  
Accrued Interest Receivable Reversed from Income 9  
Commercial and Industrial Sector [Member]    
Financing Receivable, Past Due [Line Items]    
Financing Receivable, Nonaccrual, With Allowance [1]  
Financing Receivable, Nonaccrual, No Allowance [1] 459  
Financing Receivable, Nonaccrual 459 [1] 290
Financing Receivable, 90 Days or More Past Due, Still Accruing [1]  
Accrued Interest Receivable Reversed from Income 131  
Consumer Loan [Member]    
Financing Receivable, Past Due [Line Items]    
Financing Receivable, Nonaccrual, With Allowance [1]  
Financing Receivable, Nonaccrual, No Allowance [1] 9  
Financing Receivable, Nonaccrual 9 [1]
Financing Receivable, 90 Days or More Past Due, Still Accruing [1]  
Accrued Interest Receivable Reversed from Income  
[1] The Company adopted ASU 2016-13 as of January 1, 2023.
XML 57 R47.htm IDEA: XBRL DOCUMENT v3.23.3
The following table summarizes the Company’s individually evaluated loans (Details) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2022
Sep. 30, 2023
Dec. 31, 2022
Financing Receivable, Past Due [Line Items]      
Loans with no related allowance recorded, recorded investment   $ 31,333  
Loans with an allowance recorded, recorded investment   517  
Loans with an allowance recorded, related allowance   179
Total individually evaluated loans, recorded investment   31,850  
Impaired loans, recorded investment [1]     18,406
Impaired loans, unpaid principal balance [1]     22,927
Impaired loans, average recorded investment [1] $ 19,465    
Impaired loans, interest income recognized [1] 319    
Commercial Real Estate [Member]      
Financing Receivable, Past Due [Line Items]      
Loans with no related allowance recorded, recorded investment   11,256  
Loans with an allowance recorded, related allowance    
Impaired loans, recorded investment [1]     12,437
Impaired loans, unpaid principal balance [1]     13,795
Impaired loans, average recorded investment [1] 13,648    
Impaired loans, interest income recognized [1] 217    
Residential Mortgage [Member]      
Financing Receivable, Past Due [Line Items]      
Loans with no related allowance recorded, recorded investment   5,936  
Impaired loans, recorded investment [1]     5,088
Impaired loans, unpaid principal balance [1]     5,823
Impaired loans, average recorded investment [1] 4,716    
Impaired loans, interest income recognized [1] 45    
Home Equity Line of Credit [Member]      
Financing Receivable, Past Due [Line Items]      
Loans with no related allowance recorded, recorded investment   143  
Impaired loans, recorded investment [1]     196
Impaired loans, unpaid principal balance [1]     214
Impaired loans, average recorded investment [1] 162    
Impaired loans, interest income recognized [1] 1    
Commercial and Industrial Sector [Member]      
Financing Receivable, Past Due [Line Items]      
Loans with no related allowance recorded, recorded investment   13,989  
Loans with an allowance recorded, recorded investment   517  
Loans with an allowance recorded, related allowance   179
Impaired loans, recorded investment [1]     685
Impaired loans, unpaid principal balance [1]     3,095
Impaired loans, average recorded investment [1] 936    
Impaired loans, interest income recognized [1] 56    
Consumer Loan [Member]      
Financing Receivable, Past Due [Line Items]      
Loans with no related allowance recorded, recorded investment   $ 9  
Loans with an allowance recorded, related allowance    
Impaired loans, recorded investment [1]    
Impaired loans, unpaid principal balance [1]    
Impaired loans, average recorded investment [1] 3    
Impaired loans, interest income recognized [1]    
[1] Includes loans acquired with deteriorated credit quality and performing troubled debt restructurings.
XML 58 R48.htm IDEA: XBRL DOCUMENT v3.23.3
The following table details the amortized cost balances of the Company’s loan portfolio presented by risk rating (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Dec. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]          
Total loans $ 2,012,488   $ 2,012,488   $ 1,989,276 [1]
Current period gross charge-offs 193 $ 59 2,091 $ 231  
Pass (Rated 1 - 4) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
Total loans         1,925,319
Special Mention (Rated 5) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
Total loans         21,658
Substandard (Rated 6) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
Total loans         42,299
Commercial Real Estate [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 34,695   34,695    
2022 176,724   176,724    
2021 230,571   230,571    
2020 123,821   123,821    
2019 93,083   93,083    
Prior 339,803   339,803    
Revolving Loans 75,659   75,659    
Revolving Loans Converted to Term Loans 6,005   6,005    
Total loans 1,080,361   1,080,361   1,069,323
Current period gross charge-offs, Prior     414    
Current period gross charge-offs 414 37  
Commercial Real Estate [Member] | Performing Financial Instruments [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 34,695   34,695    
2022 176,724   176,724    
2021 230,571   230,571    
2020 123,821   123,821    
2019 93,083   93,083    
Prior 338,141   338,141    
Revolving Loans 75,659   75,659    
Revolving Loans Converted to Term Loans 6,005   6,005    
Total loans 1,078,699   1,078,699    
Commercial Real Estate [Member] | Nonperforming Financial Instruments [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023      
2022      
2021      
2020      
2019      
Prior 1,662   1,662    
Revolving Loans      
Revolving Loans Converted to Term Loans      
Total loans 1,662   1,662    
Commercial Real Estate [Member] | Pass (Rated 1 - 4) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 34,695   34,695    
2022 176,724   176,724    
2021 230,571   230,571    
2020 115,495   115,495    
2019 90,600   90,600    
Prior 330,324   330,324    
Revolving Loans 75,495   75,495    
Revolving Loans Converted to Term Loans 6,005   6,005    
Total loans 1,059,909   1,059,909   1,036,337
Commercial Real Estate [Member] | Special Mention (Rated 5) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023      
2022      
2021      
2020 184   184    
2019 2,483   2,483    
Prior 5,994   5,994    
Revolving Loans 164   164    
Revolving Loans Converted to Term Loans      
Total loans 8,825   8,825   16,035
Commercial Real Estate [Member] | Substandard (Rated 6) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023      
2022      
2021      
2020 8,142   8,142    
2019      
Prior 3,485   3,485    
Revolving Loans      
Revolving Loans Converted to Term Loans      
Total loans 11,627   11,627   16,951
Residential Mortgage [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 42,352   42,352    
2022 87,763   87,763    
2021 96,136   96,136    
2020 128,809   128,809    
2019 55,057   55,057    
Prior 185,803   185,803    
Revolving Loans 10,301   10,301    
Revolving Loans Converted to Term Loans      
Total loans 606,221   606,221   589,503
Residential Mortgage [Member] | Performing Financial Instruments [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 42,352   42,352    
2022 87,316   87,316    
2021 96,136   96,136    
2020 128,473   128,473    
2019 55,057   55,057    
Prior 182,556   182,556    
Revolving Loans 10,301   10,301    
Revolving Loans Converted to Term Loans      
Total loans 602,191   602,191    
Residential Mortgage [Member] | Nonperforming Financial Instruments [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023      
2022 447   447    
2021      
2020 336   336    
2019      
Prior 3,247   3,247    
Revolving Loans      
Revolving Loans Converted to Term Loans      
Total loans 4,030   4,030    
Residential Mortgage [Member] | Pass (Rated 1 - 4) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 42,352   42,352    
2022 87,316   87,316    
2021 96,136   96,136    
2020 128,473   128,473    
2019 55,057   55,057    
Prior 181,613   181,613    
Revolving Loans 10,301   10,301    
Revolving Loans Converted to Term Loans      
Total loans 601,248   601,248   585,292
Residential Mortgage [Member] | Special Mention (Rated 5) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
Total loans        
Residential Mortgage [Member] | Substandard (Rated 6) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023      
2022 447   447    
2021      
2020 336   336    
2019      
Prior 4,190   4,190    
Revolving Loans      
Revolving Loans Converted to Term Loans      
Total loans 4,973   4,973   4,211
Home Equity Line of Credit [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 7,507   7,507    
2022 11,362   11,362    
2021 7,085   7,085    
2020 7,312   7,312    
2019 5,614   5,614    
Prior 7,722   7,722    
Revolving Loans 58,434   58,434    
Revolving Loans Converted to Term Loans 2,525   2,525    
Total loans 107,561   107,561   105,557
Home Equity Line of Credit [Member] | Performing Financial Instruments [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 7,507   7,507    
2022 11,362   11,362    
2021 7,085   7,085    
2020 7,312   7,312    
2019 5,614   5,614    
Prior 7,722   7,722    
Revolving Loans 58,342   58,342    
Revolving Loans Converted to Term Loans 2,487   2,487    
Total loans 107,431   107,431    
Home Equity Line of Credit [Member] | Nonperforming Financial Instruments [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023      
2022      
2021      
2020      
2019      
Prior      
Revolving Loans 92   92    
Revolving Loans Converted to Term Loans 38   38    
Total loans 130   130    
Home Equity Line of Credit [Member] | Pass (Rated 1 - 4) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 7,507   7,507    
2022 11,362   11,362    
2021 7,085   7,085    
2020 7,312   7,312    
2019 5,614   5,614    
Prior 7,722   7,722    
Revolving Loans 58,342   58,342    
Revolving Loans Converted to Term Loans 2,487   2,487    
Total loans 107,431   107,431   105,248
Home Equity Line of Credit [Member] | Special Mention (Rated 5) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
Total loans        
Home Equity Line of Credit [Member] | Substandard (Rated 6) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023      
2022      
2021      
2020      
2019      
Prior      
Revolving Loans 92   92    
Revolving Loans Converted to Term Loans 38   38    
Total loans 130   130   309
Commercial and Industrial Sector [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 20,989   20,989    
2022 37,375   37,375    
2021 27,647   27,647    
2020 30,299   30,299    
2019 20,609   20,609    
Prior 10,609   10,609    
Revolving Loans 64,978   64,978    
Revolving Loans Converted to Term Loans 71   71    
Total loans 212,577   212,577   219,848
Current period gross charge-offs, 2022     147    
Current period gross charge-offs, Prior     221    
Current period gross charge-offs, Revolving Loans Converted to Term Loans     1,193    
Current period gross charge-offs 147 1,561 22  
Commercial and Industrial Sector [Member] | Performing Financial Instruments [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 20,989   20,989    
2022 37,375   37,375    
2021 27,647   27,647    
2020 30,299   30,299    
2019 20,609   20,609    
Prior 10,601   10,601    
Revolving Loans 64,527   64,527    
Revolving Loans Converted to Term Loans 71   71    
Total loans 212,118   212,118    
Commercial and Industrial Sector [Member] | Nonperforming Financial Instruments [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023      
2022      
2021      
2020      
2019      
Prior 8   8    
Revolving Loans 451   451    
Revolving Loans Converted to Term Loans      
Total loans 459   459    
Commercial and Industrial Sector [Member] | Pass (Rated 1 - 4) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 20,989   20,989    
2022 37,264   37,264    
2021 25,984   25,984    
2020 21,718   21,718    
2019 20,586   20,586    
Prior 9,985   9,985    
Revolving Loans 55,938   55,938    
Revolving Loans Converted to Term Loans 71   71    
Total loans 192,535   192,535   193,415
Commercial and Industrial Sector [Member] | Special Mention (Rated 5) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023      
2022 111   111    
2021 157   157    
2020      
2019 19   19    
Prior 605   605    
Revolving Loans 2,268   2,268    
Revolving Loans Converted to Term Loans      
Total loans 3,160   3,160   5,623
Commercial and Industrial Sector [Member] | Substandard (Rated 6) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023      
2022      
2021 1,506   1,506    
2020 8,581   8,581    
2019 4   4    
Prior 19   19    
Revolving Loans 6,772   6,772    
Revolving Loans Converted to Term Loans      
Total loans 16,882   16,882   20,810
Consumer Loan [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 2,097   2,097    
2022 1,633   1,633    
2021 596   596    
2020 322   322    
2019 101   101    
Prior 235   235    
Revolving Loans 784   784    
Revolving Loans Converted to Term Loans      
Total loans 5,768   5,768   5,045
Current period gross charge-offs, Revolving Loans     3    
Current period gross charge-offs, Revolving Loans Converted to Term Loans     113    
Current period gross charge-offs 46 $ 59 116 $ 145  
Consumer Loan [Member] | Performing Financial Instruments [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 2,097   2,097    
2022 1,633   1,633    
2021 596   596    
2020 322   322    
2019 101   101    
Prior 227   227    
Revolving Loans 783   783    
Revolving Loans Converted to Term Loans      
Total loans 5,759   5,759    
Consumer Loan [Member] | Nonperforming Financial Instruments [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023      
2022      
2021      
2020      
2019      
Prior 8   8    
Revolving Loans 1   1    
Revolving Loans Converted to Term Loans      
Total loans 9   9    
Consumer Loan [Member] | Pass (Rated 1 - 4) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023 2,097   2,097    
2022 1,633   1,633    
2021 596   596    
2020 322   322    
2019 101   101    
Prior 209   209    
Revolving Loans 784   784    
Revolving Loans Converted to Term Loans      
Total loans 5,742   5,742   5,027
Consumer Loan [Member] | Special Mention (Rated 5) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
Total loans        
Consumer Loan [Member] | Substandard (Rated 6) [Member]          
Financing Receivable, Credit Quality Indicator [Line Items]          
2023      
2022      
2021      
2020      
2019      
Prior 26   26    
Revolving Loans      
Revolving Loans Converted to Term Loans      
Total loans $ 26   $ 26   $ 18
[1] Purchase credit deteriorated (“PCD loans”) gross up of cost basis of loans totaled $422,000 for commercial real estate loans and $1,691,000 for commercial and industrial loans.
XML 59 R49.htm IDEA: XBRL DOCUMENT v3.23.3
LOANS AND ALLOWANCE FOR CREDIT LOSSES (Details Narrative)
$ in Thousands
 3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2023
USD ($)
Sep. 30, 2022
USD ($)
Sep. 30, 2023
USD ($)
$ / Loans
Sep. 30, 2022
USD ($)
Dec. 31, 2022
USD ($)
Jun. 30, 2023
USD ($)
Jun. 30, 2022
USD ($)
Dec. 31, 2021
USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Serviced commercial loans for participants $ 65,600   $ 65,600   $ 70,500      
Weighted average prepayment speed, PSA     100.00%          
Weighted average internal rate of return     10.01%          
Weighted average servicing fee percentage     0.25%          
Net cost to service loans | $ / Loans     83.75          
Sale of residential real estate mortgages       $ 277        
Gain on sale of mortgages 2        
Mortgage loans serviced for others 74,400   74,400   79,300      
Servicing fee income     144 158        
Retained earnings, net of tax 135,966   135,966   $ 127,982      
Cumulative effect of ASU 2016-13         Accounting Standards Update 2016-13 [Member]      
Deferred tax asset (16,206)   (16,206)   $ (15,027)      
Allowance for credit losses on loans 19,978 [1],[2] 20,208 19,978 [1],[2] 20,208 19,931 [1],[3] $ 19,647 [2] $ 19,560 $ 19,787
Allowance for credit losses on off-balance sheet exposures 536   536   591    
Total loans 2,012,488   2,012,488   $ 1,989,276 [4]      
Accrued interest receivable 7,300   $ 7,300     6,800    
First mortgages maximum loan-to-value percentage, owner-occupied homes     97.00%          
First mortgages maximum loan-to-value percentage, second homes     90.00%          
First mortgages maximum loan-to-value percentage, investment properties     85.00%          
Loan-to-value ratio requiring private mortgage insurance     80.00%          
Residential equity loans and lines maximum percentage of appraised value underwritten     85.00%          
Provision for credit losses 354 675 $ 386 550        
Provision for loan losses 409 675 768 550        
Reversal for credit losses for off-balance sheet exposures $ 55   $ 382          
Total past due, percentage of total loans 0.28%   0.28%   0.22%      
Nonaccrual loans $ 6,290 [5]   $ 6,290 [5]   $ 5,694      
Nonaccrual loans, percentage of total loans 0.31%   0.31%   0.29%      
Individually evaluated loans $ 31,850   $ 31,850          
Financial Asset, Past Due [Member]                
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Total loans 5,624   5,624   $ 4,469      
Commercial Real Estate [Member]                
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Allowance for credit losses on loans 15,573 [2] 12,551 15,573 [2] 12,551 12,199 15,752 [2] 12,483 12,970
Allowance for credit losses on off-balance sheet exposures 316   316   395    
Total loans 1,080,361   1,080,361   1,069,323      
Provision for loan losses (188) 68 (211) (382)        
Reversal for credit losses for off-balance sheet exposures 79   295          
Nonaccrual loans 1,662 [5]   1,662 [5]   1,933      
Commercial Real Estate [Member] | Financial Asset, Past Due [Member]                
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Total loans 1,627   1,627   1,615      
Commercial and Industrial Sector [Member]                
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Allowance for credit losses on loans 1,968 [2] 3,181 1,968 [2] 3,181 3,160 1,487 [2] $ 2,686 $ 2,643
Allowance for credit losses on off-balance sheet exposures 53   53   $ 33    
Total loans 212,577   212,577   219,848      
Provision for loan losses 551 $ 481 348 $ 538        
Reversal for credit losses for off-balance sheet exposures (20)   (13)          
Nonaccrual loans 459 [5]   459 [5]   290      
Commercial and Industrial Sector [Member] | Financial Asset, Past Due [Member]                
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Total loans 311   311   202      
Unfunded Loan Commitment [Member]                
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Decrease in unfunded commitments $ 6,700   36,200          
Percentage of decrease in off-balance sheet exposure 3.70%              
Commercial Loan [Member]                
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Individually evaluated loans $ 14,500   14,500          
Real Estate Loan [Member]                
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Individually evaluated loans $ 17,300   $ 17,300          
Financial Asset Acquired with Credit Deterioration [Member] | Commercial Real Estate [Member]                
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Total loans         422      
Financial Asset Acquired with Credit Deterioration [Member] | Commercial and Industrial Sector [Member]                
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Total loans         1,691      
Cumulative Effect, Period of Adoption, Adjustment [Member]                
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Retained earnings, net of tax         9      
Deferred tax asset         4      
Allowance for credit losses on loans [3],[6]         1,182      
Allowance for credit losses on off-balance sheet exposures         918      
Total loans [4]         2,113      
Cumulative Effect, Period of Adoption, Adjustment [Member] | Commercial Real Estate [Member]                
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Allowance for credit losses on loans [6]         3,989      
Allowance for credit losses on off-balance sheet exposures         611      
Cumulative Effect, Period of Adoption, Adjustment [Member] | Commercial and Industrial Sector [Member]                
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Allowance for credit losses on loans [6]         (75)      
Allowance for credit losses on off-balance sheet exposures         40      
Cumulative Effect, Period of Adoption, Adjustment [Member] | Financial Asset Acquired with Credit Deterioration [Member]                
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Allowance for credit losses on loans         2,113      
Cumulative Effect, Period of Adoption, Adjustment [Member] | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]                
Accounts, Notes, Loans and Financing Receivable [Line Items]                
Allowance for credit losses on loans         $ (931)      
[1] The Company adopted ASU 2016-13 on January 1, 2023 with a modified retrospective approach. Accordingly, beginning at January 1, 2023, the allowance for credit losses was determined in accordance with ASC 326, “Financial Instruments-Credit Losses.”
[2] The balance of $7.3 million and $6.8 million in accrued interest receivable is excluded from amortized cost and the calculation of the allowance for credit losses at September 30, 2023 and June 30, 2023, respectively.
[3] Increase to allowance for credit losses on loans of $2,113,000 for PCD loans gross up and a decrease of $931,000 for pooled loans through retained earnings.
[4] Purchase credit deteriorated (“PCD loans”) gross up of cost basis of loans totaled $422,000 for commercial real estate loans and $1,691,000 for commercial and industrial loans.
[5] The Company adopted ASU 2016-13 as of January 1, 2023.
[6] Represents the net adjustment needed to reflect the cumulative day one impact pursuant to the Company’s adoption of ASU 2016-13 (i.e., cumulative effect adjustment related to the adoption of ASU 2016-13 as of January 1, 2023). The adjustment represents a $931,000 decrease to the allowance for loans attributable to the change in accounting methodology for estimating the allowance for credit losses resulting from the Company’s adoption of the standard. The adjustment also includes the adjustment needed to reflect the day one reclassification of the Company’s PCI loan balances to PCD loan balances and the associated gross-up of $2,113,000, pursuant to the Company’s adoption of ASU 2016-13.
XML 60 R50.htm IDEA: XBRL DOCUMENT v3.23.3
GOODWILL AND OTHER INTANGIBLES (Details Narrative) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Dec. 31, 2022
Finite-Lived Intangible Assets [Line Items]      
Goodwill $ 12,487   $ 12,487
Amortization of core deposit intangible 282 $ 282  
Core Deposits [Member]      
Finite-Lived Intangible Assets [Line Items]      
Acquired core deposit intangible $ 4,500    
Amortization period of core deposit intangible 12 years    
Future amortization of core deposit intangible assets years 1-5 $ 375    
Future amortization of core deposit intangible assets thereafter $ 31    
XML 61 R51.htm IDEA: XBRL DOCUMENT v3.23.3
The threshold, target and stretch metrics under the 2020 Incentive Plan are as follows: (Details) - LTI Plan for 2020 [Member]
 12 Months Ended
Dec. 31, 2020
$ / shares
Threshold [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2020 5.00%
December 31, 2021 5.62%
December 31, 2022 6.29%
Three-year Cumulative Diluted Earnings Per Share $ 1.50
Target [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2020 5.48%
December 31, 2021 6.24%
December 31, 2022 6.99%
Three-year Cumulative Diluted Earnings Per Share $ 1.65
Stretch [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2020 6.00%
December 31, 2021 6.86%
December 31, 2022 7.69%
Three-year Cumulative Diluted Earnings Per Share $ 1.80
XML 62 R52.htm IDEA: XBRL DOCUMENT v3.23.3
The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows: (Details) - LTI Plan for 2021 [Member]
 12 Months Ended
Dec. 31, 2020
$ / shares
Threshold [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2021 5.63%
December 31, 2022 5.85%
December 31, 2023 6.08%
Three-year Cumulative Diluted Earnings Per Share $ 1.58
Target [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2021 6.25%
December 31, 2022 6.50%
December 31, 2023 6.75%
Three-year Cumulative Diluted Earnings Per Share $ 1.97
Stretch [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2021 7.50%
December 31, 2022 7.80%
December 31, 2023 8.10%
Three-year Cumulative Diluted Earnings Per Share $ 2.36
XML 63 R53.htm IDEA: XBRL DOCUMENT v3.23.3
The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows: (Details) - LTI Plan for 2022 [Member]
 12 Months Ended
Dec. 31, 2020
$ / shares
Threshold [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2022 7.79%
December 31, 2023 7.93%
December 31, 2024 8.03%
Three-year Cumulative Diluted Earnings Per Share $ 2.35
Target [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2022 8.20%
December 31, 2023 8.35%
December 31, 2024 8.45%
Three-year Cumulative Diluted Earnings Per Share $ 2.61
Stretch [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2022 8.61%
December 31, 2023 8.77%
December 31, 2024 8.87%
Three-year Cumulative Diluted Earnings Per Share $ 2.85
XML 64 R54.htm IDEA: XBRL DOCUMENT v3.23.3
The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows: (Details) - LTI Plan for 2023 [Member]
 12 Months Ended
Dec. 31, 2020
$ / shares
Threshold [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2023 8.00%
December 31, 2024 8.75%
December 31, 2025 9.00%
Three-year Cumulative Diluted Earnings Per Share $ 2.39
Target [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2023 8.45%
December 31, 2024 9.25%
December 31, 2025 9.50%
Three-year Cumulative Diluted Earnings Per Share $ 2.65
Stretch [Member]  
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]  
December 31, 2023 8.85%
December 31, 2024 9.75%
December 31, 2025 10.00%
Three-year Cumulative Diluted Earnings Per Share $ 2.89
XML 65 R55.htm IDEA: XBRL DOCUMENT v3.23.3
A summary of the status of restricted stock awards at September 30, 2023 and September 30, 2022 is presented below: (Details) - Restricted Stock [Member] - $ / shares
 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]    
Beginning balance 206,092 213,381
Beginning balance $ 8.85 $ 8.91
Shares granted 158,957 144,440
Shares granted $ 9.79 $ 9.14
Shares forfeited   (24,440)
Shares forfeited   $ 8.73
Shares vested (66,817) (60,009)
Shares vested $ 9.07 $ 9.77
Ending balance 298,232 273,372
Ending balance $ 9.30 $ 8.86
XML 66 R56.htm IDEA: XBRL DOCUMENT v3.23.3
SHARE-BASED COMPENSATION (Details Narrative) - USD ($)
$ in Thousands
 1 Months Ended 9 Months Ended
Mar. 31, 2023
Mar. 31, 2022
May 31, 2021
Feb. 29, 2020
Sep. 30, 2023
Sep. 30, 2022
May 14, 2014
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Restricted stock expense         $ 1,100 $ 804  
LTI Plan for 2020 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares granted       120,053      
2021 RSA Plan [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares authorized     700,000        
Shares available for grant         304,033    
LTI Plan for 2021 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares granted     122,362        
LTI Plan for 2022 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares granted   137,151          
LTI Plan for 2023 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares granted 139,196            
2014 RSA Plan [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares authorized             516,000
Share-Based Payment Arrangement [Member] | Share-Based Payment Arrangement, Employee [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period         3 years    
Share-Based Payment Arrangement [Member] | Share-Based Payment Arrangement, Nonemployee [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period         1 year    
Time Based Shares [Member] | LTI Plan for 2020 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares granted       69,898      
Time Based Shares [Member] | LTI Plan for 2020 [Member] | Share-Based Payment Arrangement, Tranche One [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period       1 year      
Shares granted       19,760      
Time Based Shares [Member] | LTI Plan for 2020 [Member] | Share-Based Payment Arrangement, Tranche Two [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period       3 years      
Shares granted       50,138      
Time Based Shares [Member] | LTI Plan for 2021 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period     3 years        
Shares granted     61,181        
Time Based Shares [Member] | LTI Plan for 2022 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares granted   77,463          
Time Based Shares [Member] | LTI Plan for 2022 [Member] | Share-Based Payment Arrangement, Tranche One [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period   1 year          
Shares granted   17,775          
Time Based Shares [Member] | LTI Plan for 2022 [Member] | Share-Based Payment Arrangement, Tranche Two [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period   3 years          
Shares granted   59,688          
Time Based Shares [Member] | LTI Plan for 2023 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Shares granted 78,697            
Time Based Shares [Member] | LTI Plan for 2023 [Member] | Share-Based Payment Arrangement, Tranche One [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period 1 year            
Shares granted 18,198            
Time Based Shares [Member] | LTI Plan for 2023 [Member] | Share-Based Payment Arrangement, Tranche Two [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period 3 years            
Shares granted 60,499            
Performance Shares [Member] | LTI Plan for 2020 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period       3 years      
Shares granted       50,155      
Vesting percentage       50.00%      
Performance period earned       3 years      
Performance based shares eligible for vest         59,268    
Performance Shares [Member] | LTI Plan for 2020 [Member] | Maximum [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Percent of awards participants may earn       150.00%      
Performance Shares [Member] | LTI Plan for 2020 [Member] | Threshold [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Percent of awards participants may earn       50.00%      
Performance Shares [Member] | LTI Plan for 2020 [Member] | Target [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Percent of awards participants may earn       100.00%      
Performance Shares [Member] | LTI Plan for 2021 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period     3 years        
Shares granted     61,181        
Vesting percentage     50.00%        
Performance Shares [Member] | LTI Plan for 2022 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period   3 years          
Shares granted   59,688          
Vesting percentage   50.00%          
Performance Shares [Member] | LTI Plan for 2023 [Member]              
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]              
Vesting period 3 years            
Shares granted 60,499            
Vesting percentage 50.00%            
XML 67 R57.htm IDEA: XBRL DOCUMENT v3.23.3
SHORT-TERM BORROWINGS AND LONG-TERM DEBT (Details Narrative) - USD ($)
Sep. 30, 2023
Dec. 31, 2022
Debt Instrument [Line Items]    
Other borrowings $ 8,900,000 $ 6,400,000
Weighted average rate for other borrowings 5.33% 4.33%
Short term borrowings $ 8,890,000 $ 41,350,000
Federal Home Loan Bank Advances [Member]    
Debt Instrument [Line Items]    
Long-term Debt $ 31,200,000 1,200,000
Weighted average fixed rate 4.72%  
FRB Bank Term Funding Program [Member]    
Debt Instrument [Line Items]    
Borrowing capacity $ 25,300,000  
Long-term Debt $ 90,000,000  
Weighted average fixed rate 4.71%  
Line of Credit [Member]    
Debt Instrument [Line Items]    
Line of credit available $ 9,500,000 9,500,000
FRB Discount Window [Member]    
Debt Instrument [Line Items]    
Line of credit available 48,400,000  
Correspondent Banks [Member]    
Debt Instrument [Line Items]    
Line of credit available 15,000,000 15,000,000
Bank [Member]    
Debt Instrument [Line Items]    
Line of credit available 10,000,000 10,000,000
Federal Home Loan Bank Borrowings [Member]    
Debt Instrument [Line Items]    
Short term borrowings   $ 35,000,000
Weighted average rate for short term debt   4.38%
Borrowing capacity $ 542,000,000  
XML 68 R58.htm IDEA: XBRL DOCUMENT v3.23.3
SUBORDINATED DEBT (Details Narrative) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Mar. 31, 2023
Apr. 20, 2021
Debt Instrument [Line Items]        
Amortization of subordinated debt issuance costs $ 29 $ 30    
Subordinated Debt [Member]        
Debt Instrument [Line Items]        
Principal amount       $ 20,000
Principal amount outstanding     $ 19,700  
Maturity Date May 01, 2031      
Earliest redemption date May 01, 2026      
Issuance costs $ 298      
Amortization of subordinated debt issuance costs $ 29 $ 30    
Subordinated Debt [Member] | Debt Instrument, Redemption, Period One [Member]        
Debt Instrument [Line Items]        
Interest rate 4.875%      
Subordinated Debt [Member] | Debt Instrument, Redemption, Period Two [Member]        
Debt Instrument [Line Items]        
Benchmark rate 90-day average secured overnight financing rate      
Interest rate basis spread 4.12%      
XML 69 R59.htm IDEA: XBRL DOCUMENT v3.23.3
The following table provides information regarding net pension benefit costs for the periods shown: (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Retirement Benefits [Abstract]        
Service cost $ 334 $ 1,002
Interest cost 312 487 937
Expected return on assets (426) (333) (1,279)
Amortization of actuarial loss 158 475
Net periodic pension cost $ 378 $ 154 $ 1,135
XML 70 R60.htm IDEA: XBRL DOCUMENT v3.23.3
PENSION BENEFITS (Details Narrative) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2023
Apr. 14, 2023
Apr. 11, 2023
Sep. 30, 2023
Dec. 31, 2022
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Defined Benefit Plan Disclosure [Line Items]                
Net unrealized losses reversed         $ 358
Pension Plan [Member]                
Defined Benefit Plan Disclosure [Line Items]                
Net unrealized losses reversed         $ 7,300      
Gain on defined benefit plan curtailment         $ 2,800      
Additional cash contribution     $ 1,300          
Premium to purchase annuity contracts   $ 6,300            
Defined benefit plan settlemet expense $ 1,100              
XML 71 R61.htm IDEA: XBRL DOCUMENT v3.23.3
As of September 30, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges: (Details)
$ in Thousands
Sep. 30, 2023
USD ($)
Derivatives, Fair Value [Line Items]  
Carrying Amount of Hedged Assets/(Liabilities) $ 198,237
Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities) (1,763)
Loans [Member]  
Derivatives, Fair Value [Line Items]  
Carrying Amount of Hedged Assets/(Liabilities) 198,237
Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities) $ (1,763)
XML 72 R62.htm IDEA: XBRL DOCUMENT v3.23.3
The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of September 30, 2023 and December 31, 2022. (Details) - USD ($)
$ in Thousands
Sep. 30, 2023
Dec. 31, 2022
Derivative [Line Items]    
Derivative Asset, Statement of Financial Position [Extensible Enumeration] Other assets Other assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration] Other liabilities Other liabilities
Designated as Hedging Instrument [Member] | Interest Rate Swap [Member] | Fair Value Hedging [Member]    
Derivative [Line Items]    
Fair value of derivative assets $ 1,799  
Fair value of derivative liability  
Not Designated as Hedging Instrument [Member]    
Derivative [Line Items]    
Fair value of derivative assets 8,886 $ 6,343
Fair value of derivative liability 7,087 6,343
Not Designated as Hedging Instrument [Member] | Interest Rate Swap [Member] | Customer counterparties [Member]    
Derivative [Line Items]    
Fair value of derivative assets
Fair value of derivative liability 7,087 6,343
Not Designated as Hedging Instrument [Member] | Interest Rate Swap [Member] | Dealer counterparties [Member]    
Derivative [Line Items]    
Fair value of derivative assets 7,087 6,343
Fair value of derivative liability
XML 73 R63.htm IDEA: XBRL DOCUMENT v3.23.3
The table below presents the effect of the Company’s derivative financial instruments on the statements of net income as of September 30, 2023 and September 30, 2022. (Details) - Interest Rate Swap [Member] - Fair Value Hedging [Member] - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Derivative Instruments, Gain (Loss) [Line Items]        
Total amounts of income line items presented in the statements of net income in which the effects of fair value hedges are recorded $ 406 $ 627
Hedged items (104) (1,763)
Derivatives designated as hedging instruments $ 510 $ 2,390
XML 74 R64.htm IDEA: XBRL DOCUMENT v3.23.3
DERIVATIVES AND HEDGING ACTIVITIES (Details Narrative) - Designated as Hedging Instrument [Member] - Fair Value Hedging [Member]
$ in Millions
Sep. 30, 2023
USD ($)
Derivative [Line Items]  
Amortized cost basis of closed portfolios $ 473.1
Cumulative basis adjustments 1.8
Notional amount $ 200.0
Remaining maturity 1 year 1 month 6 days
Average fixed rate 4.43%
XML 75 R65.htm IDEA: XBRL DOCUMENT v3.23.3
Assets and liabilities measured at fair value on a recurring basis are summarized below: (Details) - USD ($)
$ in Thousands
Sep. 30, 2023
Dec. 31, 2022
Assets:    
Available-for-sale securities $ 130,709 $ 146,997
Marketable equity securities 6,237
Interest rate swaps 8,886 6,343
Liabilities:    
Interest rate swaps 7,087 6,343
Fair Value, Inputs, Level 1 [Member]    
Assets:    
Available-for-sale securities
Marketable equity securities   6,237
Interest rate swaps
Liabilities:    
Interest rate swaps
Fair Value, Inputs, Level 2 [Member]    
Assets:    
Available-for-sale securities 130,709 146,997
Marketable equity securities  
Interest rate swaps 8,886 6,343
Liabilities:    
Interest rate swaps 7,087 6,343
Fair Value, Inputs, Level 3 [Member]    
Assets:    
Available-for-sale securities
Marketable equity securities  
Interest rate swaps
Liabilities:    
Interest rate swaps
Fair Value, Recurring [Member]    
Assets:    
Available-for-sale securities 130,709 146,997
Marketable equity securities   6,237
Interest rate swaps 8,886 6,343
Total assets 139,595 159,577
Liabilities:    
Interest rate swaps 7,087 6,343
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]    
Assets:    
Available-for-sale securities
Marketable equity securities   6,237
Interest rate swaps
Total assets 6,237
Liabilities:    
Interest rate swaps
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]    
Assets:    
Available-for-sale securities 130,709 146,997
Marketable equity securities  
Interest rate swaps 8,886 6,343
Total assets 139,595 153,340
Liabilities:    
Interest rate swaps 7,087 6,343
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]    
Assets:    
Available-for-sale securities
Marketable equity securities  
Interest rate swaps
Total assets
Liabilities:    
Interest rate swaps
XML 76 R66.htm IDEA: XBRL DOCUMENT v3.23.3
The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of September 30, 2023 and December 31, 2022: (Details) - Fair Value, Nonrecurring [Member] - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2023
Dec. 31, 2022
Impaired Loans [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total losses $ 1,828  
Fair Value, Inputs, Level 3 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired Loans $ 239 $ 877
XML 77 R67.htm IDEA: XBRL DOCUMENT v3.23.3
The estimated fair values of our financial instruments are as follows: (Details) - USD ($)
$ in Thousands
Sep. 30, 2023
Dec. 31, 2022
Assets:    
Cash and cash equivalents $ 62,267 $ 30,342
Securities held-to-maturity 176,861 190,950
Securities available-for-sale 130,709 146,997
Marketable equity securities 6,237
Federal Home Loan Bank of Boston and other restricted stock 3,063 3,352
Loans - net 1,827,262 1,856,087
Accrued interest receivable 8,281 8,140
Mortgage servicing rights 745 794
Derivative asset 8,886 6,343
Liabilities:    
Deposits 2,171,517 2,220,405
Short-term borrowings 8,890 41,350
Long-term debt 120,591 1,094
Subordinated debt 17,200 18,132
Accrued interest payable 2,130 186
Derivative liabilities 7,087 6,343
Fair Value, Inputs, Level 1 [Member]    
Assets:    
Cash and cash equivalents 62,267 30,342
Securities held-to-maturity 9,236 9,162
Securities available-for-sale
Marketable equity securities   6,237
Federal Home Loan Bank of Boston and other restricted stock
Loans - net
Accrued interest receivable
Mortgage servicing rights
Derivative asset
Liabilities:    
Deposits
Short-term borrowings
Long-term debt
Subordinated debt
Accrued interest payable
Derivative liabilities
Fair Value, Inputs, Level 2 [Member]    
Assets:    
Cash and cash equivalents
Securities held-to-maturity 167,625 181,788
Securities available-for-sale 130,709 146,997
Marketable equity securities  
Federal Home Loan Bank of Boston and other restricted stock
Loans - net
Accrued interest receivable
Mortgage servicing rights 745 794
Derivative asset 8,886 6,343
Liabilities:    
Deposits
Short-term borrowings 8,890 41,350
Long-term debt 120,591 1,094
Subordinated debt 17,200 18,132
Accrued interest payable
Derivative liabilities 7,087 6,343
Fair Value, Inputs, Level 3 [Member]    
Assets:    
Cash and cash equivalents
Securities held-to-maturity
Securities available-for-sale
Marketable equity securities  
Federal Home Loan Bank of Boston and other restricted stock 3,063 3,352
Loans - net 1,827,262 1,856,087
Accrued interest receivable 8,281 8,140
Mortgage servicing rights
Derivative asset
Liabilities:    
Deposits 2,171,517 2,220,405
Short-term borrowings
Long-term debt
Subordinated debt
Accrued interest payable 2,130 186
Derivative liabilities
Reported Value Measurement [Member]    
Assets:    
Cash and cash equivalents 62,267 30,342
Securities held-to-maturity 225,020 230,168
Securities available-for-sale 130,709 146,997
Marketable equity securities   6,237
Federal Home Loan Bank of Boston and other restricted stock 3,063 3,352
Loans - net 1,994,842 1,971,469
Accrued interest receivable 8,281 8,140
Mortgage servicing rights 445 550
Derivative asset 8,886 6,343
Liabilities:    
Deposits 2,176,303 2,229,443
Short-term borrowings 8,890 41,350
Long-term debt 121,178 1,178
Subordinated debt 19,702 19,673
Accrued interest payable 2,130 186
Derivative liabilities $ 7,087 $ 6,343
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margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>1. <span id="xdx_82B_zFoJchzSq9Mh">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p id="xdx_84E_eus-gaap--NatureOfOperations_zkT1d0INnES5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_866_z1xw8llwmqD5">Nature of Operations and Basis of Presentation</span></b>. Western New England Bancorp, Inc. (“WNEB,” “Company,” “we,” or “us”) is a Massachusetts-chartered stock holding company for Westfield Bank, a federally-chartered savings bank (“Bank”).</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Bank operates <span id="xdx_904_ecustom--NumberOfBankingOfficesInWhichBankOperates_iI_uNumber_c20230930_zWoYoeVEWdk9" title="Number of banking offices in which bank operates">25</span> banking offices in Hampden County and Hampshire County in western Massachusetts and Hartford County and Tolland County in northern Connecticut, and its primary sources of revenue are interest income from loans as well as interest income from investment securities. The West Hartford Financial Services Center serves as the Company’s Connecticut hub, housing Commercial Lending, Cash Management and a Mortgage Loan Officer. The Bank’s deposits are insured up to the maximum Federal Deposit Insurance Corporation (“FDIC”) coverage limits.</span></p> <p id="xdx_85D_zuIzS0Q4eyre" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_84D_eus-gaap--BusinessCombinationsPolicy_zyF7QOi4Hzq7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86B_za9jE7LwCN4c">Wholly-owned Subsidiaries</span></b>. Elm Street Securities Corporation, WFD Securities, Inc. and CSB Colts, Inc., are Massachusetts-chartered securities corporations, formed for the primary purpose of holding qualified securities. WB Real Estate Holdings, LLC is a Massachusetts-chartered limited liability company that holds real property acquired as security for debts previously contracted by the Bank.</span></p> <p id="xdx_854_zgv3MgG7NNQ9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_849_eus-gaap--ConsolidationPolicyTextBlock_zUFXkj0UF6pl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86D_zaYv2n4B6sRb">Principles of Consolidation</span></b>. The consolidated financial statements include the accounts of Western New England Bancorp, Inc., the Bank, CSB Colts, Inc., Elm Street Securities Corporation, WB Real Estate Holdings, LLC and WFD Securities, Inc. All material intercompany balances and transactions have been eliminated in consolidation.</span></p> <p id="xdx_854_zndqVNNLYH7j" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_844_eus-gaap--UseOfEstimates_zHphT8w3zcjh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_868_zotqxadXVLp2">Estimates</span></b>. The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of income and expenses for each. Actual results could differ from those estimates. An estimate that is particularly susceptible to significant change in the near-term relates to the determination of the allowance for credit losses.</span></p> <p id="xdx_854_zDJy07e5jTa7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84B_eus-gaap--BasisOfAccountingPolicyPolicyTextBlock_zCDI5S1TZgNh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_860_z93xPk6Rkgpb">Basis of Presentation</span>.</b> In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation of our financial condition as of September 30, 2023, and the results of operations, changes in shareholders’ equity and cash flows for the interim periods presented. The results of operations for the three and nine months ended September 30, 2023 are not necessarily indicative of the results of operations for the year ending December 31, 2023. Certain information and disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been omitted pursuant to the rules and regulations of the Securities and Exchange Commission.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On January 1, 2023, the Company adopted Accounting Standards Update (“ASU”) 2016-13 <i>Financial Instruments - Credit Losses </i>(<i>Topic326</i>): <i>Measurement of Credit Losses on Financial Instruments</i>, which requires the recognition of the allowance for credit losses be estimated using the current expected credit loss (“CECL”) methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases (See Notes 4 and 5 to our unaudited consolidated financial statements for further information).</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">These unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements as of and for the year ended December 31, 2022, included in our Annual Report on Form 10-K for the year ended December 31, 2022 (the “2022 Annual Report”).</span></p> <p id="xdx_854_zW2GEOzIaQpa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_84D_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zUN9KnyeyWM4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_861_zwdJ6c2JtlLd">Reclassifications</span>. </b>Amounts in the prior period financial statements are reclassified when necessary to conform to the current year presentation.</span></p> <p id="xdx_854_zsmcNqNZFNoe" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p id="xdx_84E_eus-gaap--NatureOfOperations_zkT1d0INnES5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_866_z1xw8llwmqD5">Nature of Operations and Basis of Presentation</span></b>. Western New England Bancorp, Inc. (“WNEB,” “Company,” “we,” or “us”) is a Massachusetts-chartered stock holding company for Westfield Bank, a federally-chartered savings bank (“Bank”).</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Bank operates <span id="xdx_904_ecustom--NumberOfBankingOfficesInWhichBankOperates_iI_uNumber_c20230930_zWoYoeVEWdk9" title="Number of banking offices in which bank operates">25</span> banking offices in Hampden County and Hampshire County in western Massachusetts and Hartford County and Tolland County in northern Connecticut, and its primary sources of revenue are interest income from loans as well as interest income from investment securities. The West Hartford Financial Services Center serves as the Company’s Connecticut hub, housing Commercial Lending, Cash Management and a Mortgage Loan Officer. The Bank’s deposits are insured up to the maximum Federal Deposit Insurance Corporation (“FDIC”) coverage limits.</span></p> 25 <p id="xdx_84D_eus-gaap--BusinessCombinationsPolicy_zyF7QOi4Hzq7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86B_za9jE7LwCN4c">Wholly-owned Subsidiaries</span></b>. Elm Street Securities Corporation, WFD Securities, Inc. and CSB Colts, Inc., are Massachusetts-chartered securities corporations, formed for the primary purpose of holding qualified securities. WB Real Estate Holdings, LLC is a Massachusetts-chartered limited liability company that holds real property acquired as security for debts previously contracted by the Bank.</span></p> <p id="xdx_849_eus-gaap--ConsolidationPolicyTextBlock_zUFXkj0UF6pl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86D_zaYv2n4B6sRb">Principles of Consolidation</span></b>. The consolidated financial statements include the accounts of Western New England Bancorp, Inc., the Bank, CSB Colts, Inc., Elm Street Securities Corporation, WB Real Estate Holdings, LLC and WFD Securities, Inc. All material intercompany balances and transactions have been eliminated in consolidation.</span></p> <p id="xdx_844_eus-gaap--UseOfEstimates_zHphT8w3zcjh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_868_zotqxadXVLp2">Estimates</span></b>. The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of income and expenses for each. Actual results could differ from those estimates. An estimate that is particularly susceptible to significant change in the near-term relates to the determination of the allowance for credit losses.</span></p> <p id="xdx_84B_eus-gaap--BasisOfAccountingPolicyPolicyTextBlock_zCDI5S1TZgNh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_860_z93xPk6Rkgpb">Basis of Presentation</span>.</b> In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation of our financial condition as of September 30, 2023, and the results of operations, changes in shareholders’ equity and cash flows for the interim periods presented. The results of operations for the three and nine months ended September 30, 2023 are not necessarily indicative of the results of operations for the year ending December 31, 2023. Certain information and disclosures normally included in financial statements prepared in accordance with U.S. GAAP have been omitted pursuant to the rules and regulations of the Securities and Exchange Commission.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On January 1, 2023, the Company adopted Accounting Standards Update (“ASU”) 2016-13 <i>Financial Instruments - Credit Losses </i>(<i>Topic326</i>): <i>Measurement of Credit Losses on Financial Instruments</i>, which requires the recognition of the allowance for credit losses be estimated using the current expected credit loss (“CECL”) methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases (See Notes 4 and 5 to our unaudited consolidated financial statements for further information).</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">These unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements as of and for the year ended December 31, 2022, included in our Annual Report on Form 10-K for the year ended December 31, 2022 (the “2022 Annual Report”).</span></p> <p id="xdx_84D_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zUN9KnyeyWM4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_861_zwdJ6c2JtlLd">Reclassifications</span>. </b>Amounts in the prior period financial statements are reclassified when necessary to conform to the current year presentation.</span></p> <p id="xdx_809_eus-gaap--EarningsPerShareTextBlock_zeMnWskfkXV1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>2. <span id="xdx_82F_ziSS3YEnokLd">EARNINGS PER SHARE</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Basic earnings per share represents income available to common shareholders divided by the weighted-average number of common shares outstanding during the period. If rights to dividends on unvested awards are non-forfeitable, these unvested awards are considered outstanding in the computation of basic earnings per share. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by us relate to stock options and certain performance-based restricted stock awards and are determined using the treasury stock method. Unallocated Employee Stock Ownership Plan (“ESOP”) shares are not deemed outstanding for earnings per share calculations. There were no anti-dilutive shares outstanding during the three and nine months ended September 30, 2023 and 2022, respectively.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_896_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_zTcUJfhxY252" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B1_zPhKjDGRO1t6">Earnings per share for the three and nine months ended September 30, 2023 and 2022 have been computed based on the following:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49B_20230701__20230930_z0ICiGhQnEn3" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20220701__20220930_zbDUbSWvP9Wd" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49D_20230101__20230930_zYw38GpPdECa" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_496_20220101__20220930_zqvHsofEiEP9" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands, except per share data)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_403_eus-gaap--NetIncomeLoss_pn3n3_zsBMwh3XYBu1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 48%; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Net income applicable to common stock</td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">4,490</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">5,999</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">12,557</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">16,853</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--WeightedAverageNumberOfSharesIssuedBasic_pn3n3_uShares_maEPS1_z4rTKz34yFC5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in">Average number of common shares issued</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,055</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,317</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,140</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,531</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--WeightedAverageNumberOfSharesEmployeeStockOwnershipPlanSharesNotCommittedToBeReleased_iN_pn3n3_di_uShares_msEPS1_z97FtQua06Y7" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in">Less: Average unallocated ESOP Shares</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(329</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(406</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(347</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(425</td><td style="text-align: left">)</td></tr> <tr id="xdx_40F_eus-gaap--WeightedAverageNumberOfSharesContingentlyIssuable_iN_pn3n3_di_uShares_msEPS1_zgCPczVsSDOd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in">Less: Average unvested performance-based equity incentive plan shares</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(166</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(154</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(162</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(158</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--AverageNumberOfCommonSharesOutstandingUsedToCalculateBasicEarningsPerCommonShare_iT_pn3n3_uShares_mtEPS1_maEPS2_zKoCAGrhcLFk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Average number of common shares outstanding used to calculate basic earnings per common share</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,561</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,757</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,631</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,948</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_pn3n3_uShares_maEPS2_zHRrroq5e2i7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Effect of dilutive performance-based equity incentive plan</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">119</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">33</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_pn3n3_uShares_maEPS2_zOjLEmEWvtwj" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Effect of dilutive stock options</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1205">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">13</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1207">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">20</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_ecustom--AverageNumberOfCommonSharesOutstandingUsedToCalculateDilutedEarningsPerCommonShare_iT_pn3n3_uShares_mtEPS2_zJ9fR9wbm7wk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.125in">Average number of common shares outstanding used to calculate diluted earnings per common share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">21,680</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">21,810</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">21,681</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">22,001</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--EarningsPerShareBasic_pid_uUSDPShares_zzIpnsL38nUg" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in">Basic earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.21</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.28</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.58</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.77</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--EarningsPerShareDiluted_pid_uUSDPShares_zO4kmwVEvzCe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in">Diluted earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.21</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.28</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.58</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.77</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AB_zMSlkACmqa8d" style="margin-top: 0; margin-bottom: 0"></p> <p id="xdx_896_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_zTcUJfhxY252" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B1_zPhKjDGRO1t6">Earnings per share for the three and nine months ended September 30, 2023 and 2022 have been computed based on the following:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49B_20230701__20230930_z0ICiGhQnEn3" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20220701__20220930_zbDUbSWvP9Wd" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49D_20230101__20230930_zYw38GpPdECa" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_496_20220101__20220930_zqvHsofEiEP9" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands, except per share data)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_403_eus-gaap--NetIncomeLoss_pn3n3_zsBMwh3XYBu1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 48%; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Net income applicable to common stock</td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">4,490</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">5,999</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">12,557</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">16,853</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--WeightedAverageNumberOfSharesIssuedBasic_pn3n3_uShares_maEPS1_z4rTKz34yFC5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in">Average number of common shares issued</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,055</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,317</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,140</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,531</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--WeightedAverageNumberOfSharesEmployeeStockOwnershipPlanSharesNotCommittedToBeReleased_iN_pn3n3_di_uShares_msEPS1_z97FtQua06Y7" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in">Less: Average unallocated ESOP Shares</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(329</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(406</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(347</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(425</td><td style="text-align: left">)</td></tr> <tr id="xdx_40F_eus-gaap--WeightedAverageNumberOfSharesContingentlyIssuable_iN_pn3n3_di_uShares_msEPS1_zgCPczVsSDOd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in">Less: Average unvested performance-based equity incentive plan shares</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(166</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(154</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(162</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(158</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--AverageNumberOfCommonSharesOutstandingUsedToCalculateBasicEarningsPerCommonShare_iT_pn3n3_uShares_mtEPS1_maEPS2_zKoCAGrhcLFk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Average number of common shares outstanding used to calculate basic earnings per common share</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,561</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,757</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,631</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,948</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_pn3n3_uShares_maEPS2_zHRrroq5e2i7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Effect of dilutive performance-based equity incentive plan</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">119</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">33</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_pn3n3_uShares_maEPS2_zOjLEmEWvtwj" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Effect of dilutive stock options</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1205">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">13</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1207">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">20</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_ecustom--AverageNumberOfCommonSharesOutstandingUsedToCalculateDilutedEarningsPerCommonShare_iT_pn3n3_uShares_mtEPS2_zJ9fR9wbm7wk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.125in">Average number of common shares outstanding used to calculate diluted earnings per common share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">21,680</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">21,810</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">21,681</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">22,001</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--EarningsPerShareBasic_pid_uUSDPShares_zzIpnsL38nUg" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in">Basic earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.21</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.28</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.58</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.77</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--EarningsPerShareDiluted_pid_uUSDPShares_zO4kmwVEvzCe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in">Diluted earnings per share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.21</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.28</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.58</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.77</td><td style="text-align: left"> </td></tr> </table> 4490000 5999000 12557000 16853000 22055000 22317000 22140000 22531000 329000 406000 347000 425000 166000 154000 162000 158000 21561000 21757000 21631000 21948000 119000 40000 50000 33000 13000 20000 21680000 21810000 21681000 22001000 0.21 0.28 0.58 0.77 0.21 0.28 0.58 0.77 <p id="xdx_80F_eus-gaap--ComprehensiveIncomeNoteTextBlock_zoMVOfPclWSl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>3. <span id="xdx_821_zSQ0tf5OMjnj">COMPREHENSIVE INCOME (LOSS)</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income (loss).</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89E_eus-gaap--ScheduleOfComprehensiveIncomeLossTableTextBlock_zKJcdzTdQmgh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B3_z1jzF4Ny3ybi">The components of accumulated other comprehensive loss included in shareholders’ equity are as follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49B_20230930_z2zVPYOU1FE1" style="border-bottom: Black 1pt solid; text-align: center; font-weight: bold">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49A_20221231_zRUDtRUtUeL5" style="border-bottom: Black 1pt solid; text-align: center; font-weight: bold">December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_407_eus-gaap--AociBeforeTaxAttributableToParent_iI_pn3n3_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zCPJOVPNRknl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 64%; text-align: left; padding-left: 0.125in">Net unrealized losses on available-for-sale securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">(38,488</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">(32,159</td><td style="width: 1%; text-align: left">)</td></tr> <tr id="xdx_40D_eus-gaap--AociTaxAttributableToParent_iNI_pn3n3_di_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zs1qzUinmaVg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Tax effect</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">9,802</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,197</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zBiW7HUcf0I4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Net-of-tax amount</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(28,686</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(23,962</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--AociBeforeTaxAttributableToParent_iI_pn3n3_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedDefinedBenefitPlansAdjustmentMember_maAOCILzvkt_zh3Znjf5ZTE2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Unrecognized actuarial loss on the defined benefit plan</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1238">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AociBeforeTaxAttributableToParent_iI_pn3n3_uUSD_maAOCI_c20221231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedDefinedBenefitPlansAdjustmentMember_zbDcV0NhcEHf" style="text-align: right" title="Accumulated other comprehensive income (loss) before tax">(1,501</td><td style="text-align: left">)</td></tr> <tr id="xdx_403_eus-gaap--AociTaxAttributableToParent_iNI_pn3n3_di_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedDefinedBenefitPlansAdjustmentMember_msAOCILzvkt_zu29pUbDs9Bg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Tax effect</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1243">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">421</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedDefinedBenefitPlansAdjustmentMember_mtAOCILzvkt_zbCBD62VvbR" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Net-of-tax amount</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1246">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,080</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_z0yr9WpkM421" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Accumulated other comprehensive loss</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(28,686</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(25,042</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> <p id="xdx_8A4_zkE9Jxzo51Lg" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p id="xdx_89E_eus-gaap--ScheduleOfComprehensiveIncomeLossTableTextBlock_zKJcdzTdQmgh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B3_z1jzF4Ny3ybi">The components of accumulated other comprehensive loss included in shareholders’ equity are as follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49B_20230930_z2zVPYOU1FE1" style="border-bottom: Black 1pt solid; text-align: center; font-weight: bold">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49A_20221231_zRUDtRUtUeL5" style="border-bottom: Black 1pt solid; text-align: center; font-weight: bold">December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_407_eus-gaap--AociBeforeTaxAttributableToParent_iI_pn3n3_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zCPJOVPNRknl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 64%; text-align: left; padding-left: 0.125in">Net unrealized losses on available-for-sale securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">(38,488</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">(32,159</td><td style="width: 1%; text-align: left">)</td></tr> <tr id="xdx_40D_eus-gaap--AociTaxAttributableToParent_iNI_pn3n3_di_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zs1qzUinmaVg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Tax effect</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">9,802</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,197</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedNetUnrealizedInvestmentGainLossMember_zBiW7HUcf0I4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Net-of-tax amount</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(28,686</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(23,962</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--AociBeforeTaxAttributableToParent_iI_pn3n3_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedDefinedBenefitPlansAdjustmentMember_maAOCILzvkt_zh3Znjf5ZTE2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Unrecognized actuarial loss on the defined benefit plan</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1238">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AociBeforeTaxAttributableToParent_iI_pn3n3_uUSD_maAOCI_c20221231__us-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedDefinedBenefitPlansAdjustmentMember_zbDcV0NhcEHf" style="text-align: right" title="Accumulated other comprehensive income (loss) before tax">(1,501</td><td style="text-align: left">)</td></tr> <tr id="xdx_403_eus-gaap--AociTaxAttributableToParent_iNI_pn3n3_di_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedDefinedBenefitPlansAdjustmentMember_msAOCILzvkt_zu29pUbDs9Bg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Tax effect</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1243">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">421</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_hus-gaap--StatementEquityComponentsAxis__us-gaap--AccumulatedDefinedBenefitPlansAdjustmentMember_mtAOCILzvkt_zbCBD62VvbR" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Net-of-tax amount</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1246">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,080</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_iTI_pn3n3_z0yr9WpkM421" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Accumulated other comprehensive loss</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(28,686</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(25,042</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> -38488000 -32159000 -9802000 -8197000 -28686000 -23962000 -1501000 -1501000 -421000 -1080000 -28686000 -25042000 <p id="xdx_80D_eus-gaap--InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_zgxt3SkTV3gl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.5in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>4.</b></span></td><td id="xdx_824_zLk0HQzkjEV4" style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>INVESTMENT SECURITIES</b></span></td> </tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_894_eus-gaap--MarketableSecuritiesTextBlock_zS2jmBAz9Yx9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BE_zae5U8TgCUSf">Available-for-sale and held-to-maturity investment securities at September 30, 2023 and December 31, 2022 are summarized as follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized Gains</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Available-for-sale securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored enterprise obligations</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zw2YTCbk7LW4" style="width: 10%; text-align: right" title="Available-for-sale securities, amortized cost">14,921</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zCZARNbCZeu5" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1258">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zzrEOrcnRBId" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized losses">(3,758</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zH6V4i1aSUy2" style="width: 10%; text-align: right" title="Available-for-sale securities, at fair value">11,163</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">State and municipal bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z3IkkmIhSz1g" style="text-align: right">135</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zohV2wuwwrD3" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1264">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zhhJtuiRaHwb" style="text-align: right">(2</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zciJuCTrkKAb" style="text-align: right">133</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Corporate bonds</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zZr7kvX0jYS5" style="border-bottom: Black 1pt solid; text-align: right">8,001</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zBTNhSEPVgt2" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1268">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zzlPBstUJY9l" style="border-bottom: Black 1pt solid; text-align: right">(1,160</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zSOxWHEeXibh" style="border-bottom: Black 1pt solid; text-align: right">6,841</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zo3PO3O9zLKe" style="border-bottom: Black 1pt solid; text-align: right">23,057</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z14kOYtN3Bgg" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1272">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zl2OLnm4K6m7" style="border-bottom: Black 1pt solid; text-align: right">(4,920</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zzqiaeHyWIV7" style="border-bottom: Black 1pt solid; text-align: right">18,137</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right; text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zB2nswV1rLjc" style="text-align: right">139,358</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zntWjiFb92pd" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1276">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z6BhZhh8MMQg" style="text-align: right">(31,959</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_ziw27i5uo5Pi" style="text-align: right">107,399</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">U.S. government guaranteed mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zyQcv1VJ0r55" style="border-bottom: Black 1pt solid; text-align: right">6,782</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zqYNNdX8KSHk" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1280">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z2fViawCgQde" style="border-bottom: Black 1pt solid; text-align: right">(1,609</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z4UwgvRTIqh3" style="border-bottom: Black 1pt solid; text-align: right">5,173</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zqbZG4c06T4e" style="border-bottom: Black 1pt solid; text-align: right">146,140</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zctZVIG6Iske" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1284">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zwVYoUmUsRz5" style="border-bottom: Black 1pt solid; text-align: right">(33,568</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zzrCm7nLnKs9" style="border-bottom: Black 1pt solid; text-align: right">112,572</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.5in">Total available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_maDebtSec_c20230930_zPMRWj4Xi6Bj" style="border-bottom: Black 1pt solid; text-align: right">169,197</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_maGrossGain_c20230930_zAiK6wFKFXX2" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1288">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_maGrossLoss_c20230930_zAajHxecXzl4" style="border-bottom: Black 1pt solid; text-align: right">(38,488</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_maDebtFV_c20230930_zHHV1fe6aE06" style="border-bottom: Black 1pt solid; text-align: right">130,709</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Held-to-maturity securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">U.S. Treasury securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zccCHgJZMwdb" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">9,993</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zDBOSbg65N8d" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1294">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_za6aOyezB3Pi" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(757</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zeogjf4UZI2k" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">9,236</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zv1MV1l1Jjpl" style="border-bottom: Black 1pt solid; text-align: right">9,993</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zIoThBTpvA5c" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1300">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zwS8BXLOmDTa" style="border-bottom: Black 1pt solid; text-align: right">(757</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zu9EXoMSu0r5" style="border-bottom: Black 1pt solid; text-align: right">9,236</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zMeDiodNKFy8" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">215,027</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zuA37fsLf5D8" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1306">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zdWV4AE9TLJd" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(47,402</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zkLKPk6W9fOj" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">167,625</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_znDwSdwHvW6f" style="border-bottom: Black 1pt solid; text-align: right">215,027</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zanIzbaVJvMf" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1312">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z06HFcNH1vki" style="border-bottom: Black 1pt solid; text-align: right">(47,402</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z2PUESJvmSRc" style="border-bottom: Black 1pt solid; text-align: right">167,625</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in">Total held-to-maturity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_maDebtSec_c20230930_zxqgzIRXXaqg" style="border-bottom: Black 1pt solid; text-align: right">225,020</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_maGrossGain_c20230930_zzcixOAJmIxj" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1317">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_maGrossLoss_c20230930_z2ZA7q9KtG8k" style="border-bottom: Black 1pt solid; text-align: right">(48,159</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_maDebtFV_c20230930_zpNniRmHKws4" style="border-bottom: Black 1pt solid; text-align: right">176,861</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in"> Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_iTI_pn3n3_mtDebtSec_c20230930_zBjUtmVXk4k3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, amortized cost">394,217</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain_iTI_pn3n3_mtGrossGain_c20230930_zrCW35ywQLMd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1323">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss_iNTI_pn3n3_di_mtGrossLoss_c20230930_zOfQCRu9DGr" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized losses">(86,647</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iTI_pn3n3_mtDebtFV_c20230930_zNxLc8vrSiZj" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, fair value">307,570</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized Gains</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Available-for-sale securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored enterprise obligations</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z8wGrM3DPfzd" style="width: 10%; text-align: right">14,913</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z3aLP50Gmslj" style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1329">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zBkpXye9lpKk" style="width: 10%; text-align: right">(3,345</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zb9CO05QoWk1" style="width: 10%; text-align: right">11,568</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">State and municipal bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z2jxva7j9gQ9" style="text-align: right">270</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z2BQkFNNXBA5" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1333">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zplW2kH1NxA4" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1334">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zj5K7fgxPtik" style="text-align: right">270</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Corporate bonds</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zMB9DaDX1HW4" style="border-bottom: Black 1pt solid; text-align: right">8,012</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zbtlxS1Qbxk1" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1337">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zcrkUsgXuq3i" style="border-bottom: Black 1pt solid; text-align: right">(519</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_z1aiYgAV35Dh" style="border-bottom: Black 1pt solid; text-align: right">7,493</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z5DYElnCuKIj" style="border-bottom: Black 1pt solid; text-align: right">23,195</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zD9YcVcWw1Rh" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1341">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z8Ie7ckmhPn9" style="border-bottom: Black 1pt solid; text-align: right">(3,864</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z2nsj2VRL3d8" style="border-bottom: Black 1pt solid; text-align: right">19,331</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right; text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zgUh0SNKim84" style="text-align: right">148,544</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zfkJnhFbkXPe" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1345">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zilMD60nJ5za" style="text-align: right">(26,826</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zcXLmgBqgAMe" style="text-align: right">121,718</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">U.S. government guaranteed mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zf7Bkc5dxsie" style="border-bottom: Black 1pt solid; text-align: right">7,417</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zkem5gCnUgE5" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1349">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zXVeg4OEAsBa" style="border-bottom: Black 1pt solid; text-align: right">(1,469</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zbv2qxUCvPXf" style="border-bottom: Black 1pt solid; text-align: right">5,948</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zXeIzSMyZRO6" style="border-bottom: Black 1pt solid; text-align: right">155,961</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zV0znvRHLG6j" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1353">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zl21lJ3yLvV9" style="border-bottom: Black 1pt solid; text-align: right">(28,295</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zmMGSWONEyPl" style="border-bottom: Black 1pt solid; text-align: right">127,666</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.5in">Total available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231_zj3aU8mcAfJ" style="border-bottom: Black 1pt solid; text-align: right">179,156</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231_z4qq8QEa7qP8" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1357">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231_zNn18erAidHl" style="border-bottom: Black 1pt solid; text-align: right">(32,159</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231_zjEJ8QVlD7f5" style="border-bottom: Black 1pt solid; text-align: right">146,997</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Held-to-maturity securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">U.S. Treasury securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zUaQcu3XTyy4" style="border-bottom: Black 1pt solid; text-align: right">9,987</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zmWVTjUgFL67" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1361">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zR4ztEdoLNCb" style="border-bottom: Black 1pt solid; text-align: right">(825</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_ztvbzLf846de" style="border-bottom: Black 1pt solid; text-align: right">9,162</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zIn1j5eKye58" style="border-bottom: Black 1pt solid; text-align: right">9,987</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zb1M8QI0Mkah" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1365">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zVjKntyhLljg" style="border-bottom: Black 1pt solid; text-align: right">(825</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zVdLyU8qZOnf" style="border-bottom: Black 1pt solid; text-align: right">9,162</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zWQTSrOZcEEk" style="border-bottom: Black 1pt solid; text-align: right">220,181</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zJHwEE6gE8Yf" style="border-bottom: Black 1pt solid; text-align: right">67</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zFH9PqsImlri" style="border-bottom: Black 1pt solid; text-align: right">(38,460</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_znyxxDOv4Mjd" style="border-bottom: Black 1pt solid; text-align: right">181,788</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zR1K5yN1wk7b" style="border-bottom: Black 1pt solid; text-align: right">220,181</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zo4GxKELohC8" style="border-bottom: Black 1pt solid; text-align: right">67</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zEiVB1eI2pbh" style="border-bottom: Black 1pt solid; text-align: right">(38,460</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zJzxPHnqjMfk" style="border-bottom: Black 1pt solid; text-align: right">181,788</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in">Total held-to-maturity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20221231_zRMk4pjFBkOa" style="border-bottom: Black 1pt solid; text-align: right">230,168</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20221231_zId482O669Fd" style="border-bottom: Black 1pt solid; text-align: right">67</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20221231_zDen5tihRgK4" style="border-bottom: Black 1pt solid; text-align: right">(39,285</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20221231_zg3pRXKENzj2" style="border-bottom: Black 1pt solid; text-align: right">190,950</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in"> Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_iTI_pn3n3_c20221231_z6qDMMABGrxd" style="border-bottom: Black 2.5pt double; text-align: right">409,324</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain_iTI_pn3n3_c20221231_z7vMc07wGRkl" style="border-bottom: Black 2.5pt double; text-align: right">67</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss_iNTI_pn3n3_di_c20221231_zRYRrizmkFI8" style="border-bottom: Black 2.5pt double; text-align: right">(71,444</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iTI_pn3n3_c20221231_zDmB4HYjIpu3" style="border-bottom: Black 2.5pt double; text-align: right">337,947</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A2_ze5qjUNp6g7b" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89F_eus-gaap--InvestmentsInDebtAndEquityInstrumentsCashAndCashEquivalentsUnrealizedAndRealizedGainsLossesTextBlock_zZzpSY5Beqcj" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B0_zdgYus1rx2H">The following table presents the unrealized losses recognized on marketable equity securities for the periods indicated:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center"> </td> <td id="xdx_49A_20230101__20230930_zXZHrZid8Gaf" style="text-align: center"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" id="xdx_493_20220101__20220930_zSTTV2NHZmaf" style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="6" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nine Months Ended </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_409_eus-gaap--EquitySecuritiesFvNiRealizedGainLoss_pn3n3_maESFNGzc3t_z8sz69p6ynAi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 74%; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Net losses recognized during the period on marketable equity securities</td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1387">—</span></td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right">(736</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40F_eus-gaap--EquitySecuritiesFvNiGainLoss_iT_pn3n3_mtESFNGzc3t_zuR7Y0I0S2Yb" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Unrealized losses recognized during the period on marketable equity securities still held at end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1390">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(736</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> <p id="xdx_8AF_z0y3JdSAUkNj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">During the second quarter of 2023, the remaining balance of $<span id="xdx_90F_eus-gaap--ProceedsFromSaleAndMaturityOfMarketableSecurities_pn5n6_c20230401__20230630_zEznKXc2o12d" title="Proceeds from redemption of marketable equity securities">6.3</span> million in marketable equity securities was redeemed. As the marketable equity securities portfolio was marked to market through income monthly, the fund liquidation resulted in no gain or loss to the income statement. At September 30, 2023, the Company did not hold any marketable equity investments.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At September 30, 2023, U.S. Treasury securities with a fair value of $<span id="xdx_90F_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iI_pn5n6_c20230930__us-gaap--PledgedStatusAxis__us-gaap--AssetPledgedAsCollateralMember__us-gaap--PledgingPurposeAxis__us-gaap--DepositsMember__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zWYZF8LuVAe9" title="Securities fair value">9.2</span> million, government-sponsored enterprise obligations with a fair value of $<span id="xdx_901_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iI_pn5n6_c20230930__us-gaap--PledgedStatusAxis__us-gaap--AssetPledgedAsCollateralMember__us-gaap--PledgingPurposeAxis__us-gaap--DepositsMember__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zclknxjPCVt2" title="Securities fair value">7.3</span> million and mortgage-backed securities with a fair value of $<span id="xdx_902_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iI_pn5n6_c20230930__us-gaap--PledgedStatusAxis__us-gaap--AssetPledgedAsCollateralMember__us-gaap--PledgingPurposeAxis__us-gaap--DepositsMember__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zMj7btXHiBt" title="Securities fair value">168.0</span> million were pledged to secure public deposits, the Bank Term Funding Program (“BTFP”) and for other purposes as required or permitted by law. The securities collateralizing public deposits are subject to fluctuations in fair value. We monitor the fair value of the collateral on a periodic basis, and pledge additional collateral if necessary based on changes in fair value of collateral or the balances of such deposits.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_896_eus-gaap--InvestmentsClassifiedByContractualMaturityDateTableTextBlock_zAlacHenaIg8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span><span id="xdx_8BF_z5d7P2JL25Bi">The amortized cost and fair value of available-for-sale and held-to-maturity investment securities at September 30, 2023, by final maturity, are shown below</span>. Actual maturities may differ from contractual maturities because certain issuers have the right to call or prepay obligations</span>.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Available-for-Sale</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Held-to-Maturity</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; text-indent: -0.125in; padding-left: 0.125in">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Due in one year or less</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_iI_pn3n3_maAFSAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z8dx1KHRMiKf" style="width: 10%; text-align: right" title="Available-for-sale securities, due in one year or less, amortized cost">3,136</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_iI_pn3n3_maAFSFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zQwOZyQaVAB3" style="width: 10%; text-align: right" title="Available-for-sale securities, due in one year or less, fair value">3,098</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCost_iI_pn3n3_maHTMAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zi65fgxwj0Nl" style="width: 10%; text-align: right" title="Held-to-maturity securities, due in one year or less, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1407">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_iI_pn3n3_maHTMFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zcFDvfAmiJj4" style="width: 10%; text-align: right" title="Held-to-maturity securities, due in one year or less, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1409">—</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Due after one year through five years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_iI_pn3n3_maAFSAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zrYdO8zpOH38" style="text-align: right" title="Available-for-sale securities, due after one year through five years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1411">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_maAFSFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zQZccn0r03Bf" style="text-align: right" title="Available-for-sale securities, due after one year through five years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1413">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost_iI_pn3n3_maHTMAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zEvJpjloar58" style="text-align: right" title="Held-to-maturity securities, due after one year through five years, amortized cost">9,993</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_maHTMFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zqxByvrHpUu7" style="text-align: right" title="Held-to-maturity securities, due after one year through five years, fair value">9,236</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Due after five years through ten years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_iI_pn3n3_maAFSAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zTy98w5pYIf8" style="text-align: right" title="Available-for-sale securities, due after five years through ten years, amortized cost">19,921</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_maAFSFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zDlW70xotH5j" style="text-align: right" title="Available-for-sale securities, due after five years through ten years, fair value">15,039</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost_iI_pn3n3_maHTMAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zxxj68ODfd3" style="text-align: right" title="Held-to-maturity securities, due after five years through ten years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1423">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_maHTMFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_ziCuOZKujar2" style="text-align: right" title="Held-to-maturity securities, due after five years through ten years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1425">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Due after ten years</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_iI_pn3n3_maAFSAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zWX3bI9x6tGd" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, due after ten years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1427">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_iI_pn3n3_maAFSFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zQnMvcs44j53" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, due after ten years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1429">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost_iI_pn3n3_maHTMAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_za3ouhpSf6Lb" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, due after ten years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1431">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsFairValue_iI_pn3n3_maHTMFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zzD0tOnYWmM5" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, due after ten years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1433">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_mtAFSAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z1B3OXLJK0Sd" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost, available for sale">23,057</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_mtAFSFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zAEaIPN2sXug" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value, available for sale">18,137</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_mtHTMAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zNKNDcWgGfGd" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost, held to maturity">9,993</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_mtHTMFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zDsDXnqXOoD2" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value, held to maturity">9,236</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; text-indent: -0.125in; padding-left: 0.125in">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Due after one year through five years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zIbExO7fYt31" style="text-align: right">475</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zv4oLOwinPjj" style="text-align: right">445</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zWEWOzGeSOo2" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1444">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zvcWetGT3G5k" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1445">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Due after five years through ten years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zwgxPTpuebt3" style="text-align: right">1,505</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zO2aYEmQLzYd" style="text-align: right">1,347</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zQtv09udRpXc" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1448">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zbUvcevEftz9" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1449">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Due after ten years</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zQRuYvKQqbDc" style="border-bottom: Black 1pt solid; text-align: right">144,160</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zuDTnxqjBMm6" style="border-bottom: Black 1pt solid; text-align: right">110,780</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z2fHl9sDqXXf" style="border-bottom: Black 1pt solid; text-align: right">215,027</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z9u9oaO7z8Ce" style="border-bottom: Black 1pt solid; text-align: right">167,625</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total mortgage-backed securities</b></span></td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zqiZ9d9pEogd" style="border-bottom: Black 1pt solid; text-align: right">146,140</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z5IBt7EYaWO" style="border-bottom: Black 1pt solid; text-align: right">112,572</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zbwQVZ9jZjo8" style="border-bottom: Black 1pt solid; text-align: right">215,027</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zI8OFGxUuprg" style="border-bottom: Black 1pt solid; text-align: right">167,625</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total securities</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_c20230930_zp4RYwdUMF6e" style="border-bottom: Black 2.5pt double; text-align: right">169,197</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_c20230930_zDg4buOlstNe" style="border-bottom: Black 2.5pt double; text-align: right">130,709</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_c20230930_z4AVltX5mQWc" style="border-bottom: Black 2.5pt double; text-align: right">225,020</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_c20230930_zVcQTszQg955" style="border-bottom: Black 2.5pt double; text-align: right">176,861</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A0_zOEX6rxCXu17" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_891_eus-gaap--ScheduleOfRealizedGainLossTableTextBlock_zk0Dh9vUoHhk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B5_zqqhWuEmKRek">Gross realized gains and losses on sales of available-for-sale investment securities for the three and nine months ended September 30, 2023 and 2022 are as follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_499_20230701__20230930_zQS0qhnxnE7f" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td colspan="2" id="xdx_498_20220701__20220930_ze7WQwXyGls5" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20230101__20230930_znSLJ5oWlyll" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td colspan="2" id="xdx_49E_20220101__20220930_zaBcC3SG8gi3" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_40C_eus-gaap--DebtSecuritiesAvailableForSaleRealizedLoss_iN_pn3n3_di_msDSAFSznAi_zOBBXtahXlLj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 48%; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Gross losses realized</td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1465">—</span></td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1466">—</span></td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1467">—</span></td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right">(4</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40D_eus-gaap--DebtSecuritiesAvailableForSaleRealizedGainLoss_iT_pn3n3_mtDSAFSznAi_zqM3hNpmzy3f" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Net loss realized</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1470">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1471">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1472">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(4</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> <p id="xdx_8A8_z7gXmW93gRx5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proceeds from the redemption of available-for-sale investment securities totaled $<span id="xdx_90E_eus-gaap--ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_pn3p0_c20220101__20220930_z0gayaNy015i" title="Proceeds from the sales and redemptions of available-for-sale securities">20,000</span> for the nine months ended September 30, 2022. There were no sales or redemption of available-for-sale investment securities for the nine months ended September 30, 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On January 1, 2023, the Company adopted ASU 2016-13 <i>Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments</i>, as amended, which replaces the incurred loss methodology with an expected loss methodology that is referred to as CECL methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. In addition, ASC 326 made changes to the accounting for available-for-sale debt securities.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Allowance for Credit Losses – Available-for-Sale Securities</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company measures expected credit losses on available-for-sale debt securities based upon the gain or loss position of the security. For available-for-sale debt securities in an unrealized loss position which the Company does not intend to sell, and it is not more likely than not that the Company will be required to sell the security before recovery of the Company’s amortized cost, the Company evaluates qualitative criteria to determine any expected loss. This includes among other items the financial health of, and specific prospects for the issuer, including whether the issuer is in compliance with the terms and covenants of the security. The Company also evaluates quantitative criteria including determining whether there has been an adverse change in expected future cash flows of the security. Available-for-sale securities which are guaranteed by government agencies do not currently have an allowance for credit loss as the Company determined these securities are either backed by the full faith and credit of the U.S. government and/or there is an unconditional commitment to make interest payments and to return the principal investment in full to investors when a debt security reaches maturity. In assessing the Company's investments in government-sponsored and U.S. government guaranteed mortgage-backed securities and government-sponsored enterprise obligations, the contractual cash flows of these investments are guaranteed by the respective government-sponsored enterprise; Federal Home Loan Mortgage Corporation (“FHLMC”), Federal National Mortgage Association (“FNMA”), Federal Farm Credit Bank (“FFCB”), or Federal Home Loan Bank (“FHLB”). Accordingly, it is expected that the securities would not be settled at a price less than the par value of the Company's investments. The Company will evaluate this position no less than annually, however, certain items which may cause the Company to change this methodology include legislative changes that remove a government-sponsored enterprise’s ability to draw funds from the U.S. government, or legislative changes to housing policy that reduce or eliminate the U.S. government’s implicit guarantee on such securities. Accrued interest receivable on available-for-sale securities guaranteed by government agencies totaled $<span id="xdx_903_eus-gaap--DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_iI_pn3p0_c20230930__us-gaap--FinancialInstrumentAxis__custom--GuaranteedByGovernmentAgenciesMember_zHhWSqpYJAMg" title="Accrued interest receivable on available for sale securities">329,000</span> at September 30, 2023 and is excluded from the estimate of credit losses. If the Company does not expect to recover the entire amortized cost basis of the security, an allowance for credit losses would be recorded, with a related charge to earnings, limited by the amount of the fair value of the security less its amortized cost. If the Company intends to sell the security or it is more likely than not that the Company will be required to sell the debt security before recovery of its amortized cost basis, the Company recognizes the entire difference between the amortized cost basis of the security and its fair value in earnings. Any impairment that has not been recorded through an allowance for credit loss is recognized in other comprehensive income. Accrued interest receivable on available-for-sale debt securities not guaranteed by government agencies totaled $<span id="xdx_90F_eus-gaap--DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_iI_pn3p0_c20230930__us-gaap--FinancialInstrumentAxis__custom--NotGuaranteedByGovernmentAgenciesMember_zk1mFxe4dlM3" title="Accrued interest receivable on available for sale securities">77,000</span> at September 30, 2023 and is excluded from the estimate of credit losses. There were no allowance for credit losses established on available-for-sale debt securities during the three and nine months ended September 30, 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Allowance for Credit Losses – Held-to-Maturity Securities</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company measures expected credit losses on held-to-maturity debt securities on a collective basis by security type and risk rating where available. The reserve for each pool is calculated based on a Probability of Default/Loss Given Default basis taking into consideration the expected life of each security. Held-to-maturity securities which are issued by the United States Treasury or are guaranteed by government agencies do not currently have an allowance for credit loss as the Company determined these securities are either backed by the full faith and credit of the U.S. government and/or there is an unconditional commitment to make interest payments and to return the principal investment in full to investors when a debt security reaches maturity. In assessing the Company's investments in government-sponsored and U.S. government guaranteed mortgage-backed securities and government-sponsored enterprise obligations, the contractual cash flows of these investments are guaranteed by the respective government-sponsored enterprise; FHLMC, FNMA, FFCB, or FHLB. Accordingly, it is expected that the securities would not be settled at a price less than the par value of the Company's investments. The Company will evaluate this position no less than annually, however, certain items which may cause the Company to change this methodology include legislative changes that remove a government-sponsored enterprise’s ability to draw funds from the U.S. government, or legislative changes to housing policy that reduce or eliminate the U.S. government’s implicit guarantee on such securities. Any expected credit losses on held-to-maturity securities would be presented as an allowance for credit loss. Accrued interest receivable on held-to-maturity securities totaled $<span id="xdx_90C_eus-gaap--DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss_iI_pn3p0_c20230930_z6JJ9GDCRBz6" title="Accrued interest receivable on held-to-maturity securities">469,000</span> at September 30, 2023 and is excluded from the estimate of credit losses. There were no allowance for credit losses established on held-to-maturity securities during the three and nine months ended September 30, 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At September 30, 2023 and December 31, 2022, management attributed the unrealized losses to increases in current market yields compared to the yields at the time the investments were purchased by the Company and not due to credit quality. There was no credit loss during the three and nine months ended September 30, 2023 or the year ended December 31, 2022. At September 30, 2023 and December 31, 2022, there were <span id="xdx_905_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_pip0_dc_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember__us-gaap--ExternalCreditRatingByGroupingAxis__us-gaap--ExternalCreditRatingNonInvestmentGradeMember_zfKDVDiXVTO9" title="Number of securities">two</span> available-for-sale corporate bonds that were rated below investment grade by one or more ratings agencies. The Company reviewed the financial strength of these bonds and has concluded that the amortized cost remains supported by the expected future cash flows of the securities.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89A_eus-gaap--ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_zCrUdwvelNCj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B5_zMRONLhhubLe">Information pertaining to investment securities with gross unrealized losses</span> as of September 30, 2023 for which the Company did not recognize a provision for credit losses under CECL, and as of December 31, 2022, for which the Company did not deem to be impaired under its prior methodology, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:<br/></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="30" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Less Than Twelve Months</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Over Twelve Months</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Number of <br/> Securities</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross <br/> Unrealized <br/> Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Depreciation <br/> from <br/> Amortized <br/> Cost Basis <br/> (%)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Number <br/> of <br/> Securities</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross <br/> Unrealized <br/> Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Depreciation <br/> from <br/> Amortized <br/> Cost Basis <br/> (%)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="30" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in">Available-for-sale:</td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 28%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zWJUwyVb37B2" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1486">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zwqiJEEyEKih" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1487">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zAZxReZLwP4g" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1488">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_982_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zbN4yC5oPU5a" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1489">—</span></td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zAfbDMEtxURk" style="width: 6%; text-align: right">70</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zo4tS9rYuwif" style="width: 6%; text-align: right">107,399</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z7cFyjAeDNRj" style="width: 6%; text-align: right">31,959</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_980_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_znuAdOstxWeg" style="width: 6%; text-align: right">22.9</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">U.S. government guaranteed mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zg3dl3ybjPOh" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1494">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z0N3puu60mn2" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1495">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zJHH2dX0XmCc" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1496">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zseazBbn9K9k" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1497">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zRDkIUxsIanb" style="text-align: right">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zESpJ21EOOa8" style="text-align: right">5,173</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zXdiZzkYYslf" style="text-align: right">1,609</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zrEzFiQ5xWN9" style="text-align: right">23.7</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored enterprise obligations</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zZ4LW5ktE5Cf" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1502">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zPlxf6c4c4te" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1503">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z2L6dY2xPNd2" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1504">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zwzs7xsKRoza" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1505">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zOWyMLZqqX53" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zN8iBeq15KM6" style="text-align: right">11,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z4Su2Ku1nQhk" style="text-align: right">3,758</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zy9gt9ZrMIH9" style="text-align: right">25.2</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Corporate bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zaUUaIs2shec" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1510">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zZpDmraTot1e" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1511">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zicyAIf8pk1l" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1512">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zKE5TCNXmUO3" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1513">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zOIJlqlsD7N3" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zxWcQFywC5Tl" style="text-align: right">6,841</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zMQ3g9fTqPxc" style="text-align: right">1,160</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zyl3G0Bl9S6g" style="text-align: right">14.5</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">State and municipal bonds</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zTdYl82DftR9" style="border-bottom: Black 1pt solid; text-align: right">1</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zfdBu7xbdfr" style="border-bottom: Black 1pt solid; text-align: right">133</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z2HcLV6gZ4B9" style="border-bottom: Black 1pt solid; text-align: right">2</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_981_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zpCtaDEAE35l" style="padding-bottom: 1pt; text-align: right">1.5</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zFTKvJbLIVPa" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1522">—</span></td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z0ttEAIB5Xia" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1523">—</span></td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zZ9aVprZSugf" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1524">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_988_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z7NWhXA6dxkb" style="padding-bottom: 1pt; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1525">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Total available-for-sale</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20230930_zWdEWJM42hq4" style="border-bottom: Black 1pt solid; text-align: right">1</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_maFV_c20230930_zkMuxcCDtMhf" style="border-bottom: Black 1pt solid; text-align: right">133</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20230930_z7c43LGUh2aa" style="border-bottom: Black 1pt solid; text-align: right">2</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20230930_zwpW0hVFsRBb" style="border-bottom: Black 1pt solid; text-align: right">85</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_maFV2_c20230930_zaZe56LkVSEd" style="border-bottom: Black 1pt solid; text-align: right">130,576</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20230930_zK20IzEMjpmj" style="border-bottom: Black 1pt solid; text-align: right">38,486</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Held-to-maturity:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">U.S. Treasury securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zjBk4YL8jK9j" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1532">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z5t9oZsDu8Of" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1533">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zA36sYWBCYed" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1534">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zI9YGpcsWBXd" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1535">—</span></td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zCKpIWbM4X93" style="text-align: right">2</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z2prgCqinSMa" style="text-align: right">9,236</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zh710ByUoHAf" style="text-align: right">757</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zaEpmS6QC69k" style="text-align: right">7.6</td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zWDNmDitagR2" style="border-bottom: Black 1pt solid; text-align: right">5</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zDDhIy1jb33a" style="border-bottom: Black 1pt solid; text-align: right">11,567</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zTQ1ZZR7LRY5" style="border-bottom: Black 1pt solid; text-align: right">432</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_983_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zRioBYvapo1j" style="padding-bottom: 1pt; text-align: right">3.6</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zx80hqVWTgA5" style="border-bottom: Black 1pt solid; text-align: right">36</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z2oeMNKC3Hb8" style="border-bottom: Black 1pt solid; text-align: right">156,058</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zFrKjl6WMu1b" style="border-bottom: Black 1pt solid; text-align: right">46,970</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_986_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z7pkHmgXExia" style="padding-bottom: 1pt; text-align: right">23.1</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Total held-to-maturity</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20230930_z2K5tdMusEJ1" style="border-bottom: Black 1pt solid; text-align: right">5</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_maFV_c20230930_zSjpCZr0fwY4" style="border-bottom: Black 1pt solid; text-align: right">11,567</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20230930_zkQVvK5dDRHf" style="border-bottom: Black 1pt solid; text-align: right">432</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20230930_zaw8Rj8kxBj5" style="border-bottom: Black 1pt solid; text-align: right">38</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_maFV2_c20230930_zIDf3lgGBrof" style="border-bottom: Black 1pt solid; text-align: right">165,294</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20230930_zWduWC5XYk5c" style="border-bottom: Black 1pt solid; text-align: right">47,727</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Total</td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_980_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iTI_pip0_uNumber_mtNOS_c20230930_zXZxk8C0Z4Ed" style="border-bottom: Black 2.5pt double; text-align: right">6</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months_iTI_pn3n3_mtFV_c20230930_zCB9s0IFSlj3" style="border-bottom: Black 2.5pt double; text-align: right">11,700</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iTI_pn3n3_mtGUL_c20230930_zTVqMDG6zST" style="border-bottom: Black 2.5pt double; text-align: right">434</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98D_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iTI_pip0_uNumber_mtNOS2_c20230930_zTPiPKIrDz1k" style="border-bottom: Black 2.5pt double; text-align: right">123</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger_iTI_pn3n3_mtFV2_c20230930_zZBdNIwkgdq5" style="border-bottom: Black 2.5pt double; text-align: right">295,870</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iTI_pn3n3_mtGUL2_c20230930_zGMVF7oDvdPi" style="border-bottom: Black 2.5pt double; text-align: right">86,213</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="30" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Less Than Twelve Months</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Over Twelve Months</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Number of <br/> Securities</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross <br/> Unrealized <br/> Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Depreciation <br/> from <br/> Amortized <br/> Cost Basis <br/> (%)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Number <br/> of <br/> Securities</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross <br/> Unrealized <br/> Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Depreciation <br/> from <br/> Amortized <br/> Cost Basis <br/> (%)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td> </td> <td colspan="30" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in">Available-for-sale:</td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 28%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zCUSLhI1bYPh" style="width: 6%; text-align: right">10</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z5jaF1GtEv9i" style="width: 6%; text-align: right">9,133</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zlrClvNgHDZ7" style="width: 6%; text-align: right">776</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zzbSDUYzzGHk" style="width: 6%; text-align: right">7.8</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zvLjdiyA8X68" style="width: 6%; text-align: right">60</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zkJaFKRcyP8k" style="width: 6%; text-align: right">112,586</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z0UCOXgWIYh7" style="width: 6%; text-align: right">26,050</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_989_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zfwjuUqDShj8" style="width: 6%; text-align: right">18.8</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">U.S. government guaranteed mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zDZvHIyKouT5" style="text-align: right">1</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zjrefoZRiWD" style="text-align: right">113</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zraT2P6jveD" style="text-align: right">20</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zVVO8o0AxDUi" style="text-align: right">15.0</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zlLrniaox20j" style="text-align: right">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zoJnXSMzFlM6" style="text-align: right">5,835</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zzB9j4Yi4sp8" style="text-align: right">1,449</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z48gZqCN0nN5" style="text-align: right">19.9</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored enterprise obligations</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zEQGoliHZX4j" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1576">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zLDC0CshgqC8" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1577">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z33Oj2ia9mK2" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1578">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zchSTpNWy81g" style="text-align: right" title="Available-for-sale, less than 12 months, depreciation from amortized cost basis (%)"><span style="-sec-ix-hidden: xdx2ixbrl1580">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zy9iDFaskwh5" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zeamAI0TG8d8" style="text-align: right">11,568</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zFN8ytcadZ47" style="text-align: right">3,345</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zXBRbedbPcoa" style="text-align: right" title="Available-for-sale, over 12 months, depreciation from amortized cost basis (%)">22.4</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Corporate bonds</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zzGpKiAtwpQ3" style="border-bottom: Black 1pt solid; text-align: right">3</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zeVV8Do7xhOb" style="border-bottom: Black 1pt solid; text-align: right">7,493</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zwqbgh4AwqZ8" style="border-bottom: Black 1pt solid; text-align: right">519</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98A_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zYH7v9dw1rl9" style="padding-bottom: 1pt; text-align: right">6.5</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zM9qzrNsS5ze" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1590">—</span></td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zpaNQzJXqbbj" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1591">—</span></td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zIugrt00Kxqj" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1592">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98C_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zL3HXztIuU8g" style="padding-bottom: 1pt; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1593">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Total available-for-sale</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20221231_z3CePxez3n9j" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, number of securities">14</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20221231_ztUbmwv1Kbh5" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, fair value">16,739</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20221231_zRaxZ0byZDQ7" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, gross unrealized loss">1,315</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20221231_zr332HB7QPda" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, number of securities">71</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20221231_zD1VKGX1651" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, fair value">129,989</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20221231_zUS9MpcQhq7g" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, gross unrealized loss">30,844</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Held-to-maturity:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">U.S. Treasury securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zLUnUgmTmEh6" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1606">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zPgXyELR8fkk" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1607">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zeCBCOXACvJ9" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1608">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z6VkwYp1weM" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1609">—</span></td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zj36kcMkUDm8" style="text-align: right">2</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zbaXxJnrdWm6" style="text-align: right">9,162</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zFvhfS3JRED6" style="text-align: right">825</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zpZ7IRr0esLf" style="text-align: right">8.3</td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zCh0FT0uN9a6" style="border-bottom: Black 1pt solid; text-align: right">6</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zI34xGRbRYc6" style="border-bottom: Black 1pt solid; text-align: right">18,911</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zlp5nYNF8K6g" style="border-bottom: Black 1pt solid; text-align: right">2,116</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98B_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zjkPPjakeaSj" style="padding-bottom: 1pt; text-align: right" title="Held-to-maturity, less than 12 months, depreciation from amortized cost basis (%)">10.1</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zxEDE7CSozG9" style="border-bottom: Black 1pt solid; text-align: right">31</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zyLNy8h8ebdk" style="border-bottom: Black 1pt solid; text-align: right">157,947</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zARXW7PVfJhb" style="border-bottom: Black 1pt solid; text-align: right">36,344</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_980_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z8tKYsT8RR76" style="padding-bottom: 1pt; text-align: right" title="Held-to-maturity, over 12 months, depreciation from amortized cost basis (%)">18.7</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Total held-to-maturity</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20221231_zUCrtqSaO4u4" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, number of securities">6</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_maFV_c20221231_zvGLP7fL7nJf" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, fair value">18,911</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20221231_zfzODr155vyh" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, gross unrealized loss">2,116</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20221231_zYZ1vmlnT5g4" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, number of securities">33</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_maFV2_c20221231_zoOLKr834fGa" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, fair value">167,109</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20221231_z1c0eO6tvRzd" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, gross unrealized loss">37,169</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Total</td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_985_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iTI_pip0_uNumber_mtNOS_c20221231_zQi5snVFB9re" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, number of securities">20</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months_iTI_pn3n3_mtFV_c20221231_zxXJeFJZAJFg" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, fair value">35,650</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iTI_pn3n3_mtGUL_c20221231_zUYvAmDv7qbd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, gross unrealized loss">3,431</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iTI_pip0_uNumber_mtNOS2_c20221231_ztSM40X9ftEe" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, number of securities">104</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger_iTI_pn3n3_mtFV2_c20221231_zbTk2StNlOfc" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, fair value">297,098</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iTI_pn3n3_mtGUL2_c20221231_z9bXS22BMCT2" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, gross unrealized loss">68,013</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A4_zHFwcYgJvMCj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p> <p id="xdx_894_eus-gaap--MarketableSecuritiesTextBlock_zS2jmBAz9Yx9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BE_zae5U8TgCUSf">Available-for-sale and held-to-maturity investment securities at September 30, 2023 and December 31, 2022 are summarized as follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized Gains</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Available-for-sale securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored enterprise obligations</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zw2YTCbk7LW4" style="width: 10%; text-align: right" title="Available-for-sale securities, amortized cost">14,921</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zCZARNbCZeu5" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1258">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zzrEOrcnRBId" style="width: 10%; text-align: right" title="Available-for-sale securities, gross unrealized losses">(3,758</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zH6V4i1aSUy2" style="width: 10%; text-align: right" title="Available-for-sale securities, at fair value">11,163</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">State and municipal bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z3IkkmIhSz1g" style="text-align: right">135</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zohV2wuwwrD3" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1264">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zhhJtuiRaHwb" style="text-align: right">(2</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zciJuCTrkKAb" style="text-align: right">133</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Corporate bonds</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zZr7kvX0jYS5" style="border-bottom: Black 1pt solid; text-align: right">8,001</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zBTNhSEPVgt2" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1268">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zzlPBstUJY9l" style="border-bottom: Black 1pt solid; text-align: right">(1,160</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zSOxWHEeXibh" style="border-bottom: Black 1pt solid; text-align: right">6,841</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zo3PO3O9zLKe" style="border-bottom: Black 1pt solid; text-align: right">23,057</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z14kOYtN3Bgg" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1272">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zl2OLnm4K6m7" style="border-bottom: Black 1pt solid; text-align: right">(4,920</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zzqiaeHyWIV7" style="border-bottom: Black 1pt solid; text-align: right">18,137</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right; text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zB2nswV1rLjc" style="text-align: right">139,358</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zntWjiFb92pd" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1276">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z6BhZhh8MMQg" style="text-align: right">(31,959</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_ziw27i5uo5Pi" style="text-align: right">107,399</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">U.S. government guaranteed mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zyQcv1VJ0r55" style="border-bottom: Black 1pt solid; text-align: right">6,782</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zqYNNdX8KSHk" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1280">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z2fViawCgQde" style="border-bottom: Black 1pt solid; text-align: right">(1,609</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z4UwgvRTIqh3" style="border-bottom: Black 1pt solid; text-align: right">5,173</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zqbZG4c06T4e" style="border-bottom: Black 1pt solid; text-align: right">146,140</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zctZVIG6Iske" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1284">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zwVYoUmUsRz5" style="border-bottom: Black 1pt solid; text-align: right">(33,568</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zzrCm7nLnKs9" style="border-bottom: Black 1pt solid; text-align: right">112,572</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.5in">Total available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_pn3n3_maDebtSec_c20230930_zPMRWj4Xi6Bj" style="border-bottom: Black 1pt solid; text-align: right">169,197</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pn3n3_maGrossGain_c20230930_zAiK6wFKFXX2" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1288">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_maGrossLoss_c20230930_zAajHxecXzl4" style="border-bottom: Black 1pt solid; text-align: right">(38,488</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_maDebtFV_c20230930_zHHV1fe6aE06" style="border-bottom: Black 1pt solid; text-align: right">130,709</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Held-to-maturity securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">U.S. Treasury securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zccCHgJZMwdb" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">9,993</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zDBOSbg65N8d" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1294">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_za6aOyezB3Pi" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(757</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zeogjf4UZI2k" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">9,236</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zv1MV1l1Jjpl" style="border-bottom: Black 1pt solid; text-align: right">9,993</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zIoThBTpvA5c" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1300">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zwS8BXLOmDTa" style="border-bottom: Black 1pt solid; text-align: right">(757</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zu9EXoMSu0r5" style="border-bottom: Black 1pt solid; text-align: right">9,236</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zMeDiodNKFy8" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost">215,027</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zuA37fsLf5D8" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1306">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zdWV4AE9TLJd" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized losses">(47,402</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zkLKPk6W9fOj" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, fair value">167,625</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_znDwSdwHvW6f" style="border-bottom: Black 1pt solid; text-align: right">215,027</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zanIzbaVJvMf" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1312">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z06HFcNH1vki" style="border-bottom: Black 1pt solid; text-align: right">(47,402</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z2PUESJvmSRc" style="border-bottom: Black 1pt solid; text-align: right">167,625</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in">Total held-to-maturity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_maDebtSec_c20230930_zxqgzIRXXaqg" style="border-bottom: Black 1pt solid; text-align: right">225,020</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_maGrossGain_c20230930_zzcixOAJmIxj" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1317">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_maGrossLoss_c20230930_z2ZA7q9KtG8k" style="border-bottom: Black 1pt solid; text-align: right">(48,159</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_maDebtFV_c20230930_zpNniRmHKws4" style="border-bottom: Black 1pt solid; text-align: right">176,861</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in"> Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_iTI_pn3n3_mtDebtSec_c20230930_zBjUtmVXk4k3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, amortized cost">394,217</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain_iTI_pn3n3_mtGrossGain_c20230930_zrCW35ywQLMd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized gains"><span style="-sec-ix-hidden: xdx2ixbrl1323">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss_iNTI_pn3n3_di_mtGrossLoss_c20230930_zOfQCRu9DGr" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, gross unrealized losses">(86,647</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iTI_pn3n3_mtDebtFV_c20230930_zNxLc8vrSiZj" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, fair value">307,570</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized Gains</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Available-for-sale securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored enterprise obligations</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z8wGrM3DPfzd" style="width: 10%; text-align: right">14,913</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z3aLP50Gmslj" style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1329">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zBkpXye9lpKk" style="width: 10%; text-align: right">(3,345</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zb9CO05QoWk1" style="width: 10%; text-align: right">11,568</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">State and municipal bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z2jxva7j9gQ9" style="text-align: right">270</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z2BQkFNNXBA5" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1333">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zplW2kH1NxA4" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1334">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zj5K7fgxPtik" style="text-align: right">270</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Corporate bonds</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zMB9DaDX1HW4" style="border-bottom: Black 1pt solid; text-align: right">8,012</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zbtlxS1Qbxk1" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1337">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_zcrkUsgXuq3i" style="border-bottom: Black 1pt solid; text-align: right">(519</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_z1aiYgAV35Dh" style="border-bottom: Black 1pt solid; text-align: right">7,493</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z5DYElnCuKIj" style="border-bottom: Black 1pt solid; text-align: right">23,195</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zD9YcVcWw1Rh" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1341">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z8Ie7ckmhPn9" style="border-bottom: Black 1pt solid; text-align: right">(3,864</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z2nsj2VRL3d8" style="border-bottom: Black 1pt solid; text-align: right">19,331</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right; text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zgUh0SNKim84" style="text-align: right">148,544</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zfkJnhFbkXPe" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1345">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zilMD60nJ5za" style="text-align: right">(26,826</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zcXLmgBqgAMe" style="text-align: right">121,718</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">U.S. government guaranteed mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zf7Bkc5dxsie" style="border-bottom: Black 1pt solid; text-align: right">7,417</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zkem5gCnUgE5" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1349">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zXVeg4OEAsBa" style="border-bottom: Black 1pt solid; text-align: right">(1,469</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zbv2qxUCvPXf" style="border-bottom: Black 1pt solid; text-align: right">5,948</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zXeIzSMyZRO6" style="border-bottom: Black 1pt solid; text-align: right">155,961</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zV0znvRHLG6j" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1353">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zl21lJ3yLvV9" style="border-bottom: Black 1pt solid; text-align: right">(28,295</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zmMGSWONEyPl" style="border-bottom: Black 1pt solid; text-align: right">127,666</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.5in">Total available-for-sale</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_pn3n3_c20221231_zj3aU8mcAfJ" style="border-bottom: Black 1pt solid; text-align: right">179,156</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_pn3n3_c20221231_z4qq8QEa7qP8" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1357">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_pn3n3_di_c20221231_zNn18erAidHl" style="border-bottom: Black 1pt solid; text-align: right">(32,159</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pn3n3_c20221231_zjEJ8QVlD7f5" style="border-bottom: Black 1pt solid; text-align: right">146,997</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Held-to-maturity securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">U.S. Treasury securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zUaQcu3XTyy4" style="border-bottom: Black 1pt solid; text-align: right">9,987</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zmWVTjUgFL67" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1361">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zR4ztEdoLNCb" style="border-bottom: Black 1pt solid; text-align: right">(825</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_ztvbzLf846de" style="border-bottom: Black 1pt solid; text-align: right">9,162</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zIn1j5eKye58" style="border-bottom: Black 1pt solid; text-align: right">9,987</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zb1M8QI0Mkah" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1365">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zVjKntyhLljg" style="border-bottom: Black 1pt solid; text-align: right">(825</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zVdLyU8qZOnf" style="border-bottom: Black 1pt solid; text-align: right">9,162</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zWQTSrOZcEEk" style="border-bottom: Black 1pt solid; text-align: right">220,181</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zJHwEE6gE8Yf" style="border-bottom: Black 1pt solid; text-align: right">67</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zFH9PqsImlri" style="border-bottom: Black 1pt solid; text-align: right">(38,460</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_znyxxDOv4Mjd" style="border-bottom: Black 1pt solid; text-align: right">181,788</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total mortgage-backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zR1K5yN1wk7b" style="border-bottom: Black 1pt solid; text-align: right">220,181</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zo4GxKELohC8" style="border-bottom: Black 1pt solid; text-align: right">67</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zEiVB1eI2pbh" style="border-bottom: Black 1pt solid; text-align: right">(38,460</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zJzxPHnqjMfk" style="border-bottom: Black 1pt solid; text-align: right">181,788</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in">Total held-to-maturity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--HeldToMaturitySecurities_iI_pn3n3_c20221231_zRMk4pjFBkOa" style="border-bottom: Black 1pt solid; text-align: right">230,168</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_iI_pn3n3_c20221231_zId482O669Fd" style="border-bottom: Black 1pt solid; text-align: right">67</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_iNI_pn3n3_di_c20221231_zDen5tihRgK4" style="border-bottom: Black 1pt solid; text-align: right">(39,285</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesFairValue_iI_pn3n3_c20221231_zg3pRXKENzj2" style="border-bottom: Black 1pt solid; text-align: right">190,950</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.5in"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in"> Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_iTI_pn3n3_c20221231_z6qDMMABGrxd" style="border-bottom: Black 2.5pt double; text-align: right">409,324</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain_iTI_pn3n3_c20221231_z7vMc07wGRkl" style="border-bottom: Black 2.5pt double; text-align: right">67</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss_iNTI_pn3n3_di_c20221231_zRYRrizmkFI8" style="border-bottom: Black 2.5pt double; text-align: right">(71,444</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_iTI_pn3n3_c20221231_zDmB4HYjIpu3" style="border-bottom: Black 2.5pt double; text-align: right">337,947</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 14921000 3758000 11163000 135000 2000 133000 8001000 1160000 6841000 23057000 4920000 18137000 139358000 31959000 107399000 6782000 1609000 5173000 146140000 33568000 112572000 169197000 38488000 130709000 9993000 757000 9236000 9993000 757000 9236000 215027000 47402000 167625000 215027000 47402000 167625000 225020000 48159000 176861000 394217000 86647000 307570000 14913000 3345000 11568000 270000 270000 8012000 519000 7493000 23195000 3864000 19331000 148544000 26826000 121718000 7417000 1469000 5948000 155961000 28295000 127666000 179156000 32159000 146997000 9987000 825000 9162000 9987000 825000 9162000 220181000 67000 38460000 181788000 220181000 67000 38460000 181788000 230168000 67000 39285000 190950000 409324000 67000 71444000 337947000 <p id="xdx_89F_eus-gaap--InvestmentsInDebtAndEquityInstrumentsCashAndCashEquivalentsUnrealizedAndRealizedGainsLossesTextBlock_zZzpSY5Beqcj" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B0_zdgYus1rx2H">The following table presents the unrealized losses recognized on marketable equity securities for the periods indicated:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center"> </td> <td id="xdx_49A_20230101__20230930_zXZHrZid8Gaf" style="text-align: center"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td> <td colspan="2" id="xdx_493_20220101__20220930_zSTTV2NHZmaf" style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="6" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nine Months Ended </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_409_eus-gaap--EquitySecuritiesFvNiRealizedGainLoss_pn3n3_maESFNGzc3t_z8sz69p6ynAi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 74%; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Net losses recognized during the period on marketable equity securities</td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1387">—</span></td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right">(736</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40F_eus-gaap--EquitySecuritiesFvNiGainLoss_iT_pn3n3_mtESFNGzc3t_zuR7Y0I0S2Yb" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Unrealized losses recognized during the period on marketable equity securities still held at end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1390">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(736</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> -736000 -736000 6300000 9200000 7300000 168000000.0 <p id="xdx_896_eus-gaap--InvestmentsClassifiedByContractualMaturityDateTableTextBlock_zAlacHenaIg8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span><span id="xdx_8BF_z5d7P2JL25Bi">The amortized cost and fair value of available-for-sale and held-to-maturity investment securities at September 30, 2023, by final maturity, are shown below</span>. Actual maturities may differ from contractual maturities because certain issuers have the right to call or prepay obligations</span>.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Available-for-Sale</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Held-to-Maturity</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; text-indent: -0.125in; padding-left: 0.125in">Debt securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Due in one year or less</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_iI_pn3n3_maAFSAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z8dx1KHRMiKf" style="width: 10%; text-align: right" title="Available-for-sale securities, due in one year or less, amortized cost">3,136</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_iI_pn3n3_maAFSFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zQwOZyQaVAB3" style="width: 10%; text-align: right" title="Available-for-sale securities, due in one year or less, fair value">3,098</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCost_iI_pn3n3_maHTMAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zi65fgxwj0Nl" style="width: 10%; text-align: right" title="Held-to-maturity securities, due in one year or less, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1407">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_iI_pn3n3_maHTMFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zcFDvfAmiJj4" style="width: 10%; text-align: right" title="Held-to-maturity securities, due in one year or less, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1409">—</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Due after one year through five years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_iI_pn3n3_maAFSAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zrYdO8zpOH38" style="text-align: right" title="Available-for-sale securities, due after one year through five years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1411">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_maAFSFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zQZccn0r03Bf" style="text-align: right" title="Available-for-sale securities, due after one year through five years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1413">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost_iI_pn3n3_maHTMAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zEvJpjloar58" style="text-align: right" title="Held-to-maturity securities, due after one year through five years, amortized cost">9,993</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_maHTMFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zqxByvrHpUu7" style="text-align: right" title="Held-to-maturity securities, due after one year through five years, fair value">9,236</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Due after five years through ten years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_iI_pn3n3_maAFSAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zTy98w5pYIf8" style="text-align: right" title="Available-for-sale securities, due after five years through ten years, amortized cost">19,921</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_maAFSFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zDlW70xotH5j" style="text-align: right" title="Available-for-sale securities, due after five years through ten years, fair value">15,039</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost_iI_pn3n3_maHTMAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zxxj68ODfd3" style="text-align: right" title="Held-to-maturity securities, due after five years through ten years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1423">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_maHTMFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_ziCuOZKujar2" style="text-align: right" title="Held-to-maturity securities, due after five years through ten years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1425">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Due after ten years</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_iI_pn3n3_maAFSAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zWX3bI9x6tGd" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, due after ten years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1427">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_iI_pn3n3_maAFSFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zQnMvcs44j53" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale securities, due after ten years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1429">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost_iI_pn3n3_maHTMAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_za3ouhpSf6Lb" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, due after ten years, amortized cost"><span style="-sec-ix-hidden: xdx2ixbrl1431">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsFairValue_iI_pn3n3_maHTMFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zzD0tOnYWmM5" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity securities, due after ten years, fair value"><span style="-sec-ix-hidden: xdx2ixbrl1433">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Total debt securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_mtAFSAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z1B3OXLJK0Sd" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost, available for sale">23,057</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_mtAFSFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zAEaIPN2sXug" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value, available for sale">18,137</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_mtHTMAmort_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zNKNDcWgGfGd" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost, held to maturity">9,993</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_mtHTMFV_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zDsDXnqXOoD2" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value, held to maturity">9,236</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; text-indent: -0.125in; padding-left: 0.125in">Mortgage-backed securities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Due after one year through five years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zIbExO7fYt31" style="text-align: right">475</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zv4oLOwinPjj" style="text-align: right">445</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zWEWOzGeSOo2" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1444">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zvcWetGT3G5k" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1445">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Due after five years through ten years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zwgxPTpuebt3" style="text-align: right">1,505</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zO2aYEmQLzYd" style="text-align: right">1,347</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zQtv09udRpXc" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1448">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zbUvcevEftz9" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1449">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Due after ten years</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zQRuYvKQqbDc" style="border-bottom: Black 1pt solid; text-align: right">144,160</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zuDTnxqjBMm6" style="border-bottom: Black 1pt solid; text-align: right">110,780</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z2fHl9sDqXXf" style="border-bottom: Black 1pt solid; text-align: right">215,027</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z9u9oaO7z8Ce" style="border-bottom: Black 1pt solid; text-align: right">167,625</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total mortgage-backed securities</b></span></td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zqiZ9d9pEogd" style="border-bottom: Black 1pt solid; text-align: right">146,140</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_z5IBt7EYaWO" style="border-bottom: Black 1pt solid; text-align: right">112,572</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zbwQVZ9jZjo8" style="border-bottom: Black 1pt solid; text-align: right">215,027</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_zI8OFGxUuprg" style="border-bottom: Black 1pt solid; text-align: right">167,625</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total securities</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_pn3n3_c20230930_zp4RYwdUMF6e" style="border-bottom: Black 2.5pt double; text-align: right">169,197</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_pn3n3_c20230930_zDg4buOlstNe" style="border-bottom: Black 2.5pt double; text-align: right">130,709</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--HeldToMaturitySecurities_iTI_pn3n3_c20230930_z4AVltX5mQWc" style="border-bottom: Black 2.5pt double; text-align: right">225,020</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--HeldToMaturitySecuritiesFairValue_iTI_pn3n3_c20230930_zVcQTszQg955" style="border-bottom: Black 2.5pt double; text-align: right">176,861</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 3136000 3098000 9993000 9236000 19921000 15039000 23057000 18137000 9993000 9236000 475000 445000 1505000 1347000 144160000 110780000 215027000 167625000 146140000 112572000 215027000 167625000 169197000 130709000 225020000 176861000 <p id="xdx_891_eus-gaap--ScheduleOfRealizedGainLossTableTextBlock_zk0Dh9vUoHhk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B5_zqqhWuEmKRek">Gross realized gains and losses on sales of available-for-sale investment securities for the three and nine months ended September 30, 2023 and 2022 are as follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_499_20230701__20230930_zQS0qhnxnE7f" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td colspan="2" id="xdx_498_20220701__20220930_ze7WQwXyGls5" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20230101__20230930_znSLJ5oWlyll" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td colspan="2" id="xdx_49E_20220101__20220930_zaBcC3SG8gi3" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_40C_eus-gaap--DebtSecuritiesAvailableForSaleRealizedLoss_iN_pn3n3_di_msDSAFSznAi_zOBBXtahXlLj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 48%; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Gross losses realized</td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1465">—</span></td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1466">—</span></td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1467">—</span></td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right">(4</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40D_eus-gaap--DebtSecuritiesAvailableForSaleRealizedGainLoss_iT_pn3n3_mtDSAFSznAi_zqM3hNpmzy3f" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Net loss realized</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1470">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1471">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1472">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(4</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> 4000 -4000 20000 329000 77000 469000 2 <p id="xdx_89A_eus-gaap--ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_zCrUdwvelNCj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B5_zMRONLhhubLe">Information pertaining to investment securities with gross unrealized losses</span> as of September 30, 2023 for which the Company did not recognize a provision for credit losses under CECL, and as of December 31, 2022, for which the Company did not deem to be impaired under its prior methodology, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows:<br/></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="30" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Less Than Twelve Months</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Over Twelve Months</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Number of <br/> Securities</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross <br/> Unrealized <br/> Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Depreciation <br/> from <br/> Amortized <br/> Cost Basis <br/> (%)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Number <br/> of <br/> Securities</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross <br/> Unrealized <br/> Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Depreciation <br/> from <br/> Amortized <br/> Cost Basis <br/> (%)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="30" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in">Available-for-sale:</td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 28%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zWJUwyVb37B2" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1486">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zwqiJEEyEKih" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1487">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zAZxReZLwP4g" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1488">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_982_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zbN4yC5oPU5a" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1489">—</span></td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zAfbDMEtxURk" style="width: 6%; text-align: right">70</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zo4tS9rYuwif" style="width: 6%; text-align: right">107,399</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z7cFyjAeDNRj" style="width: 6%; text-align: right">31,959</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_980_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_znuAdOstxWeg" style="width: 6%; text-align: right">22.9</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">U.S. government guaranteed mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zg3dl3ybjPOh" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1494">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z0N3puu60mn2" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1495">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zJHH2dX0XmCc" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1496">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zseazBbn9K9k" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1497">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zRDkIUxsIanb" style="text-align: right">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zESpJ21EOOa8" style="text-align: right">5,173</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zXdiZzkYYslf" style="text-align: right">1,609</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zrEzFiQ5xWN9" style="text-align: right">23.7</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored enterprise obligations</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zZ4LW5ktE5Cf" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1502">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zPlxf6c4c4te" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1503">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z2L6dY2xPNd2" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1504">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zwzs7xsKRoza" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1505">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zOWyMLZqqX53" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zN8iBeq15KM6" style="text-align: right">11,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z4Su2Ku1nQhk" style="text-align: right">3,758</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zy9gt9ZrMIH9" style="text-align: right">25.2</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Corporate bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zaUUaIs2shec" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1510">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zZpDmraTot1e" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1511">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zicyAIf8pk1l" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1512">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zKE5TCNXmUO3" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1513">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zOIJlqlsD7N3" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zxWcQFywC5Tl" style="text-align: right">6,841</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zMQ3g9fTqPxc" style="text-align: right">1,160</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zyl3G0Bl9S6g" style="text-align: right">14.5</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">State and municipal bonds</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zTdYl82DftR9" style="border-bottom: Black 1pt solid; text-align: right">1</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zfdBu7xbdfr" style="border-bottom: Black 1pt solid; text-align: right">133</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z2HcLV6gZ4B9" style="border-bottom: Black 1pt solid; text-align: right">2</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_981_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zpCtaDEAE35l" style="padding-bottom: 1pt; text-align: right">1.5</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zFTKvJbLIVPa" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1522">—</span></td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z0ttEAIB5Xia" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1523">—</span></td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_zZ9aVprZSugf" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1524">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_988_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--StateAndMunicipalBondsMember_z7NWhXA6dxkb" style="padding-bottom: 1pt; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1525">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Total available-for-sale</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20230930_zWdEWJM42hq4" style="border-bottom: Black 1pt solid; text-align: right">1</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_maFV_c20230930_zkMuxcCDtMhf" style="border-bottom: Black 1pt solid; text-align: right">133</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20230930_z7c43LGUh2aa" style="border-bottom: Black 1pt solid; text-align: right">2</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20230930_zwpW0hVFsRBb" style="border-bottom: Black 1pt solid; text-align: right">85</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_maFV2_c20230930_zaZe56LkVSEd" style="border-bottom: Black 1pt solid; text-align: right">130,576</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20230930_zK20IzEMjpmj" style="border-bottom: Black 1pt solid; text-align: right">38,486</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Held-to-maturity:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">U.S. Treasury securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zjBk4YL8jK9j" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1532">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z5t9oZsDu8Of" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1533">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zA36sYWBCYed" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1534">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zI9YGpcsWBXd" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1535">—</span></td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zCKpIWbM4X93" style="text-align: right">2</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z2prgCqinSMa" style="text-align: right">9,236</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zh710ByUoHAf" style="text-align: right">757</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zaEpmS6QC69k" style="text-align: right">7.6</td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zWDNmDitagR2" style="border-bottom: Black 1pt solid; text-align: right">5</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zDDhIy1jb33a" style="border-bottom: Black 1pt solid; text-align: right">11,567</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zTQ1ZZR7LRY5" style="border-bottom: Black 1pt solid; text-align: right">432</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_983_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zRioBYvapo1j" style="padding-bottom: 1pt; text-align: right">3.6</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zx80hqVWTgA5" style="border-bottom: Black 1pt solid; text-align: right">36</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z2oeMNKC3Hb8" style="border-bottom: Black 1pt solid; text-align: right">156,058</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zFrKjl6WMu1b" style="border-bottom: Black 1pt solid; text-align: right">46,970</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_986_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20230930__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z7pkHmgXExia" style="padding-bottom: 1pt; text-align: right">23.1</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Total held-to-maturity</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20230930_z2K5tdMusEJ1" style="border-bottom: Black 1pt solid; text-align: right">5</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_maFV_c20230930_zSjpCZr0fwY4" style="border-bottom: Black 1pt solid; text-align: right">11,567</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20230930_zkQVvK5dDRHf" style="border-bottom: Black 1pt solid; text-align: right">432</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20230930_zaw8Rj8kxBj5" style="border-bottom: Black 1pt solid; text-align: right">38</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_maFV2_c20230930_zIDf3lgGBrof" style="border-bottom: Black 1pt solid; text-align: right">165,294</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20230930_zWduWC5XYk5c" style="border-bottom: Black 1pt solid; text-align: right">47,727</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Total</td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_980_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iTI_pip0_uNumber_mtNOS_c20230930_zXZxk8C0Z4Ed" style="border-bottom: Black 2.5pt double; text-align: right">6</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months_iTI_pn3n3_mtFV_c20230930_zCB9s0IFSlj3" style="border-bottom: Black 2.5pt double; text-align: right">11,700</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iTI_pn3n3_mtGUL_c20230930_zTVqMDG6zST" style="border-bottom: Black 2.5pt double; text-align: right">434</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98D_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iTI_pip0_uNumber_mtNOS2_c20230930_zTPiPKIrDz1k" style="border-bottom: Black 2.5pt double; text-align: right">123</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger_iTI_pn3n3_mtFV2_c20230930_zZBdNIwkgdq5" style="border-bottom: Black 2.5pt double; text-align: right">295,870</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iTI_pn3n3_mtGUL2_c20230930_zGMVF7oDvdPi" style="border-bottom: Black 2.5pt double; text-align: right">86,213</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="30" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Less Than Twelve Months</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Over Twelve Months</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Number of <br/> Securities</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross <br/> Unrealized <br/> Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Depreciation <br/> from <br/> Amortized <br/> Cost Basis <br/> (%)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Number <br/> of <br/> Securities</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross <br/> Unrealized <br/> Loss</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Depreciation <br/> from <br/> Amortized <br/> Cost Basis <br/> (%)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td> </td> <td colspan="30" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in">Available-for-sale:</td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 28%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zCUSLhI1bYPh" style="width: 6%; text-align: right">10</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z5jaF1GtEv9i" style="width: 6%; text-align: right">9,133</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zlrClvNgHDZ7" style="width: 6%; text-align: right">776</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zzbSDUYzzGHk" style="width: 6%; text-align: right">7.8</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zvLjdiyA8X68" style="width: 6%; text-align: right">60</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zkJaFKRcyP8k" style="width: 6%; text-align: right">112,586</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z0UCOXgWIYh7" style="width: 6%; text-align: right">26,050</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_989_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zfwjuUqDShj8" style="width: 6%; text-align: right">18.8</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">U.S. government guaranteed mortgage-backed securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zDZvHIyKouT5" style="text-align: right">1</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zjrefoZRiWD" style="text-align: right">113</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zraT2P6jveD" style="text-align: right">20</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zVVO8o0AxDUi" style="text-align: right">15.0</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zlLrniaox20j" style="text-align: right">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zoJnXSMzFlM6" style="text-align: right">5,835</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_zzB9j4Yi4sp8" style="text-align: right">1,449</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp0_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--USGovernmentGuaranteedMortgageBackedSecuritiesMember_z48gZqCN0nN5" style="text-align: right">19.9</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored enterprise obligations</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zEQGoliHZX4j" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1576">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zLDC0CshgqC8" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1577">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_z33Oj2ia9mK2" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1578">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zchSTpNWy81g" style="text-align: right" title="Available-for-sale, less than 12 months, depreciation from amortized cost basis (%)"><span style="-sec-ix-hidden: xdx2ixbrl1580">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zy9iDFaskwh5" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zeamAI0TG8d8" style="text-align: right">11,568</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zFN8ytcadZ47" style="text-align: right">3,345</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredEnterpriseObligationsMember_zXBRbedbPcoa" style="text-align: right" title="Available-for-sale, over 12 months, depreciation from amortized cost basis (%)">22.4</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Corporate bonds</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pdp0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zzGpKiAtwpQ3" style="border-bottom: Black 1pt solid; text-align: right">3</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zeVV8Do7xhOb" style="border-bottom: Black 1pt solid; text-align: right">7,493</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zwqbgh4AwqZ8" style="border-bottom: Black 1pt solid; text-align: right">519</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98A_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercent_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zYH7v9dw1rl9" style="padding-bottom: 1pt; text-align: right">6.5</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zM9qzrNsS5ze" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1590">—</span></td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zpaNQzJXqbbj" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1591">—</span></td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zIugrt00Kxqj" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1592">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98C_ecustom--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--CorporateBondsMember_zL3HXztIuU8g" style="padding-bottom: 1pt; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1593">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Total available-for-sale</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20221231_z3CePxez3n9j" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, number of securities">14</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_pn3n3_c20221231_ztUbmwv1Kbh5" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, fair value">16,739</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20221231_zRaxZ0byZDQ7" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, less than 12 months, gross unrealized loss">1,315</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20221231_zr332HB7QPda" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, number of securities">71</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20221231_zD1VKGX1651" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, fair value">129,989</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_c20221231_zUS9MpcQhq7g" style="border-bottom: Black 1pt solid; text-align: right" title="Available-for-sale, over 12 months, gross unrealized loss">30,844</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Held-to-maturity:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">U.S. Treasury securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zLUnUgmTmEh6" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1606">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zPgXyELR8fkk" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1607">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zeCBCOXACvJ9" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1608">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z6VkwYp1weM" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1609">—</span></td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zj36kcMkUDm8" style="text-align: right">2</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zbaXxJnrdWm6" style="text-align: right">9,162</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zFvhfS3JRED6" style="text-align: right">825</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pdp0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zpZ7IRr0esLf" style="text-align: right">8.3</td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Government-sponsored mortgage-backed securities</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zCh0FT0uN9a6" style="border-bottom: Black 1pt solid; text-align: right">6</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zI34xGRbRYc6" style="border-bottom: Black 1pt solid; text-align: right">18,911</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zlp5nYNF8K6g" style="border-bottom: Black 1pt solid; text-align: right">2,116</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98B_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zjkPPjakeaSj" style="padding-bottom: 1pt; text-align: right" title="Held-to-maturity, less than 12 months, depreciation from amortized cost basis (%)">10.1</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pdp0_uNumber_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zxEDE7CSozG9" style="border-bottom: Black 1pt solid; text-align: right">31</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zyLNy8h8ebdk" style="border-bottom: Black 1pt solid; text-align: right">157,947</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_zARXW7PVfJhb" style="border-bottom: Black 1pt solid; text-align: right">36,344</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_980_ecustom--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerDepreciationFromAmortizedCostPercentage_iI_pip0_dp_uPure_c20221231__us-gaap--FinancialInstrumentAxis__custom--GovernmentSponsoredMortgageBackedSecuritiesMember_z8tKYsT8RR76" style="padding-bottom: 1pt; text-align: right" title="Held-to-maturity, over 12 months, depreciation from amortized cost basis (%)">18.7</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Total held-to-maturity</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_pip0_uNumber_maNOS_c20221231_zUCrtqSaO4u4" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, number of securities">6</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_maFV_c20221231_zvGLP7fL7nJf" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, fair value">18,911</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_maGUL_c20221231_zfzODr155vyh" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, less than 12 months, gross unrealized loss">2,116</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_ecustom--DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_pip0_uNumber_maNOS2_c20221231_zYZ1vmlnT5g4" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, number of securities">33</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pn3n3_maFV2_c20221231_zoOLKr834fGa" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, fair value">167,109</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pn3n3_maGUL2_c20221231_z1c0eO6tvRzd" style="border-bottom: Black 1pt solid; text-align: right" title="Held-to-maturity, over 12 months, gross unrealized loss">37,169</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Total</td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_985_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iTI_pip0_uNumber_mtNOS_c20221231_zQi5snVFB9re" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, number of securities">20</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12Months_iTI_pn3n3_mtFV_c20221231_zxXJeFJZAJFg" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, fair value">35,650</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iTI_pn3n3_mtGUL_c20221231_zUYvAmDv7qbd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, less than 12 months, gross unrealized loss">3,431</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iTI_pip0_uNumber_mtNOS2_c20221231_ztSM40X9ftEe" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, number of securities">104</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLonger_iTI_pn3n3_mtFV2_c20221231_zbTk2StNlOfc" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, fair value">297,098</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_ecustom--DebtSecuritiesAvailableForSaleAndHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iTI_pn3n3_mtGUL2_c20221231_z9bXS22BMCT2" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, over 12 months, gross unrealized loss">68,013</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 70 107399000 31959000 0.229 9 5173000 1609000 0.237 3 11163000 3758000 0.252 3 6841000 1160000 0.145 1 133000 2000 0.015 1 133000 2000 85 130576000 38486000 2 9236000 757000 0.076 5 11567000 432000 0.036 36 156058000 46970000 0.231 5 11567000 432000 38 165294000 47727000 6 11700000 434000 123 295870000 86213000 10 9133000 776000 0.078 60 112586000 26050000 0.188 1 113000 20000 0.150 8 5835000 1449000 0.199 3 11568000 3345000 0.224 3 7493000 519000 0.065 14 16739000 1315000 71 129989000 30844000 2 9162000 825000 0.083 6 18911000 2116000 0.101 31 157947000 36344000 0.187 6 18911000 2116000 33 167109000 37169000 20 35650000 3431000 104 297098000 68013000 <p id="xdx_80A_eus-gaap--LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_ztPb3vSLzzyb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.5in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.</b></span></td><td id="xdx_82C_zzwVOfcGRI32" style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>LOANS AND ALLOWANCE FOR CREDIT LOSSES</b></span></td> </tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_890_eus-gaap--ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_zF1Fo0coIgMf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B2_z54F9OX3sHd8">Major classifications of loans as of the dates indicated were as follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; border-collapse: collapse; width: 90%"> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_490_20230930_zKGbNzN0722" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_490_20221231_zwu1mdj3Dq6l" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="text-indent: -0.125in; padding-left: 0.125in; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_z1kUhj5bgoG5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 74%; font-weight: bold; text-align: left; padding-left: 0.125in">Commercial real estate</td><td style="text-indent: -0.125in; padding-left: 0.125in; width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,080,361</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,069,323</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in"> </td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 0pt; text-align: left; padding-left: 0pt"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.25in; text-indent: -0.25in"></p><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Residential real estate:</b></span></p></td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zzBdZ6Nt9hud" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Residential one-to-four family</td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td style="text-align: left"> </td><td style="text-align: right">606,221</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">589,503</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zskg1O65wFB7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Home equity</td><td style="text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">107,561</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">105,557</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zYAcpIbQbH6" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Total residential real estate</td><td style="text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">713,782</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">695,060</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Commercial and industrial:</td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialAndIndustrialPaycheckProtectionProgramMember_zbTbO6fiGEcg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Paycheck Protection Program (“PPP”) loans</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,415</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,274</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialAndIndustrialMember_zM0xaBZ3ul9c" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Commercial and industrial</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">211,162</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">217,574</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zmNkSwpdyHKh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Total commercial and industrial</td><td style="text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">212,577</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">219,848</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zdm3wsCmym8g" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 1pt; padding-left: 0.125in">Consumer</td><td style="text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,768</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,045</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_maFREAIzHYT_zFJjTUaMPLTb" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.25in">Total gross loans</td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td style="text-align: left"> </td><td style="text-align: right">2,012,488</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,989,276</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--FinancingReceivableUnamortizedLoanFeeCost_iI_pn3n3_maFREAIzHYT_z5mqYDGWDf6d" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Unamortized PPP loan fees</td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td style="text-align: left"> </td><td style="text-align: right">(70</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(109</td><td style="text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--FinancingReceivableUnamortizedPurchasePremiumDiscount_iI_pn3n3_maFREAIzHYT_zerUQX0Y8GB3" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Unearned premiums and deferred loan fees and costs, net</td><td style="text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,402</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,233</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_iTI_pn3n3_mtFREAIzHYT_maFREAIzwLv_za3I3srt9rS" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Total loans, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,014,820</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,991,400</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iNI_pn3n3_di_msFREAIzwLv_zH4bfeiDBnB" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance for credit losses<sup id="xdx_F48_zep1qOirgl7g">(1)</sup></span></td><td style="text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(19,978</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(19,931</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_401_eus-gaap--FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_iTI_pn3n3_mtFREAIzwLv_zaYktHnGj6Kd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Net loans</td><td style="text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,994,842</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,971,469</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <div style="margin-left: 0.5in; margin-top: 0pt; margin-bottom: 0pt; width: 20%"><div style="border-top: Black 1pt solid; font-size: 1pt"> </div></div> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"></td><td style="width: 0.25in"><span id="xdx_F0B_zjZrVIqvR5L9" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td><td style="text-align: justify"><span id="xdx_F13_z8prSxsXvfK4" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company adopted ASU 2016-13 on January 1, 2023 with a modified retrospective approach. Accordingly, beginning at January 1, 2023, the allowance for credit losses was determined in accordance with ASC 326, “<i>Financial Instruments-Credit Losses</i>.”</span></td></tr></table> <p id="xdx_8AA_zJAbI0onMxh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans Serviced for Others.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company has transferred a portion of its originated commercial loans to participating lenders. The amounts transferred have been accounted for as sales and are therefore not included in our accompanying consolidated balance sheets. We continue to service the loans on behalf of the participating lenders. We share with participating lenders, on a pro-rata basis, any gains or losses that may result from a borrower’s lack of compliance with contractual terms of the loan. At September 30, 2023 and December 31, 2022, the Company was servicing commercial loans participated out to various other institutions totaling $<span id="xdx_90A_ecustom--ServicedLoansForParticipants_iI_pn5n6_c20230930_z5w6Scxq7SMa" title="Serviced commercial loans for participants">65.6</span> million and $<span id="xdx_90E_ecustom--ServicedLoansForParticipants_iI_pn5n6_c20221231_zZekmILkwaT">70.5</span> million, respectively.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Residential real estate mortgages are originated by the Company both for its portfolio and for sale into the secondary market. The Company may sell its loans to institutional investors such as the FHLMC. Under loan sale and servicing agreements with the investor, the Company generally continues to service the residential real estate mortgages. The Company pays the investor an agreed upon rate on the loan, which is less than the interest rate received from the borrower. The Company retains the difference as a fee for servicing the residential real estate mortgages. The Company capitalizes mortgage servicing rights at their fair value upon sale of the related loans, amortizes the asset over the estimated life of the serviced loan, and periodically assesses the asset for impairment. The significant assumptions used by a third party to estimate the fair value of capitalized servicing rights at September 30, 2023, include weighted average prepayment speed for the portfolio using the Public Securities Association Standard Prepayment Model (<span id="xdx_905_ecustom--WeightedAveragePrepaymentSpeedPublicSecuritiesAssociationStandardPrepaymentModel_pid_dp_uPure_c20230101__20230930_zDJFIZ9qgMqk" title="Weighted average prepayment speed, PSA">100</span> PSA), weighted average internal rate of return (<span id="xdx_906_ecustom--WeightedAverageInternalRateOfReturnPercentage_pid_dp_uPure_c20230101__20230930_z3IgwYhQT4Eb" title="Weighted average internal rate of return">10.01</span>%), weighted average servicing fee (<span id="xdx_907_ecustom--WeightedAverageServicingFeePercentage_pid_dp_uPure_c20230101__20230930_z6YKVlLSMLOg" title="Weighted average servicing fee percentage">0.25</span>%), and average cost to service loans ($<span id="xdx_90F_ecustom--NetCostToServiceLoans_uUSDPLOANS_c20230101__20230930_zTA3lMdvpOce" title="Net cost to service loans">83.75</span> per loan). The estimated fair value of capitalized servicing rights may vary significantly in subsequent periods primarily due to changing market interest rates, and their effect on prepayment speeds and discount rates. For the nine months ended September 30, 2022, the Company sold $<span id="xdx_90B_ecustom--SaleOfResidentialRealEstateMortgages_pn3p0_c20220101__20220930_zmFWvOAP3ejj" title="Sale of residential real estate mortgages">277,000</span> in residential real estate mortgages with servicing retained and recorded gains on the sale of mortgages of $<span id="xdx_90E_eus-gaap--GainLossOnSaleOfMortgageLoans_pn3p0_c20220101__20220930_zBd3bRUTGVR8" title="Gain on sale of mortgages">2,000</span> within non-interest income. There were no sales of residential real estate mortgages to the secondary market during the nine months ended September 30, 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At September 30, 2023 and December 31, 2022, the Company was servicing residential mortgage loans owned by investors totaling $<span id="xdx_902_ecustom--MortgageLoansServicedThirdPartyAtPeriodEnd_iI_pn5n6_c20230930_zgrYLtTk7ixe" title="Mortgage loans serviced for others">74.4</span> million and $<span id="xdx_906_ecustom--MortgageLoansServicedThirdPartyAtPeriodEnd_iI_pn5n6_c20221231_zsEA6tYIJ46h">79.3</span> million, respectively. Servicing fee income of $<span id="xdx_905_ecustom--ServiceFeesIncome_pn3p0_c20230101__20230930_zq38McJ4WnQf" title="Servicing fee income">144,000</span> and $<span id="xdx_90F_ecustom--ServiceFeesIncome_pn3p0_c20220101__20220930_zDw18SLRt5x9">158,000</span> was recorded for the nine months ended September 30, 2023 and 2022, respectively, and is included in service charges and fees on the consolidated statements of net income.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_892_eus-gaap--ScheduleOfServicingAssetsAtAmortizedValueTextBlock_z1ZlUCksVCSb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BB_zWZQNccVFMVf">A summary of the activity in the balances of mortgage servicing rights follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49E_20230701__20230930_zYaja7oQycRk" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Three Months Ended </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, 2023</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49A_20230101__20230930_z7cI8GjxnY11" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nine Months Ended</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, 2023</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: center; text-indent: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: center; text-indent: -0.125in"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_40C_eus-gaap--ServicingAssetAtAmortizedValue_iS_pn3n3_uUSD_zjQ0DTd3NFD9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 60%; font-weight: bold; text-align: left; padding-left: 0.125in">Balance at the beginning of period:</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">480</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">550</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--ServicingAssetAtAmortizedValueAmortization1_iN_pn3n3_di_uUSD_z3WvQSyxHTX1" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Amortization</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(35</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(105</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_409_eus-gaap--ServicingAssetAtAmortizedValue_iE_pn3n3_uUSD_zjHFVaZGWlNi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Balance at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">445</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">445</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--ServicingAssetAtFairValueAmount_iE_pn3n3_uUSD_zCWMumWXCnf6" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Fair value at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">745</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">745</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A6_zoNSdmuOCzz9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans are recorded at the principal amount outstanding, adjusted for charge-offs, unearned premiums and deferred loan fees and costs. Interest on loans is calculated using the effective yield method on daily balances of the principal amount outstanding and is credited to income on the accrual basis to the extent it is deemed collectable. Our general policy is to discontinue the accrual of interest when principal or interest payments are delinquent 90 days or more based on the contractual terms of the loan, or earlier if there are concerns regarding the collectability of the loan. Any unpaid amounts previously accrued on these loans are reversed from income. Subsequent cash receipts are applied to the outstanding principal balance or to interest income if, in the judgment of management, collection of the principal balance is not in question. Loans are returned to accrual status when they become current as to both principal and interest and perform in accordance with contractual terms for a period of at least six months, reducing the concern as to the collectability of principal and interest. Loan fees and certain direct loan origination costs are deferred, and the net fee or cost is recognized as an adjustment to interest income over the estimated average lives of the related loans.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Effect of New Financial Accounting Standards.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On January 1, 2023, the Company adopted ASU 2016-13 <i>Financial Instruments - Credit Losses</i> (<i>Topic326</i>): <i>Measurement of Credit Losses on Financial Instruments</i>, which requires the recognition of the allowance for credit losses be estimated using the CECL methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in leases recognized by a lessor in accordance with Topic 842 on leases. In addition, ASC 326 made changes to the accounting for available-for-sale debt securities. One such change is to require credit losses to be presented as an allowance rather than as a write-down on available-for-sale debt securities that are determined to have impairment related to credit losses.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company adopted ASC 326 using the modified retrospective method for all financial assets measured at amortized cost and off-balance sheet credit exposures. Results for reporting periods beginning January 1, 2023 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP. The Company recorded a net increase to retained earnings of $<span id="xdx_909_eus-gaap--RetainedEarningsAccumulatedDeficit_iI_pn3p0_c20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_zM0dF6skSQig" title="Retained earnings, net of tax">9,000</span> as of January 1, 2023 for the cumulative effect of adopting <span id="xdx_900_eus-gaap--AccountingStandardsUpdateExtensibleList_dxL_c20220101__20221231_zmpakuD7iEuc" title="Cumulative effect of ASU 2016-13::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2023%23AccountingStandardsUpdate201613Member"><span style="-sec-ix-hidden: xdx2ixbrl1733">ASC 326</span></span>, which includes a net deferred tax liability of $<span id="xdx_90C_eus-gaap--DeferredIncomeTaxAssetsNet_iNI_pn3p0_di_c20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_zE74RlNVWfig" title="Deferred tax asset">4,000</span>. The transition adjustment includes a $<span id="xdx_903_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iI_pn3n3_dxL_c20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_z1Anxp1aZvNa" title="Allowance for credit losses on loans::XDX::1182"><span style="-sec-ix-hidden: xdx2ixbrl1737">1.2</span></span> million increase to the allowance for credit losses and the recording of a $<span id="xdx_90E_eus-gaap--OffBalanceSheetCreditLossLiability_iI_pn3p0_c20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_z9Pyfw3nih96" title="Allowance for credit losses on off-balance sheet exposures">918,000</span> allowance for credit losses on off-balance sheet credit exposures.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_894_eus-gaap--ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_zQJFMLOIzXQ7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BE_zPW7jh3QN6q9">The following table illustrates the impact of ASC 326:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49E_20221231_zkY1c54SIis6" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Pre-ASC 326 <br/> Adoption</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.5pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, <br/> 2022</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_497_20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_zpTaL2ZHiPI1" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>As Reported <br/> Under ASC 326</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>January 1, 2023</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49C_20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_zRV5BYye00ng" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Impact of ASC <br/> 326 Adoption</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in"> </td><td> </td> <td colspan="10" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in"> </td><td> </td> <td colspan="10" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; font-weight: bold; text-indent: -0.125in; padding-left: 0.125in">Assets</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_zG126yUrwM3a" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-indent: -0.125in; padding-left: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans<sup id="xdx_F46_zDRbiPO0nfq9">(1)</sup></span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,989,276</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,991,389</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">2,113</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iNI_pn3n3_di_z1fACR6aeerg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance for credit losses on loans<sup id="xdx_F46_zI7RDocGYDIf">(2)</sup></span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(19,931</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(21,113</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,182</td><td style="text-align: left">)</td></tr> <tr id="xdx_40D_eus-gaap--DeferredIncomeTaxAssetsNet_iI_pn3n3_zXMXec6Zlg88" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Deferred tax asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15,027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15,023</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(4</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; font-weight: bold; text-indent: -0.125in; padding-left: 0.125in">Liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--OffBalanceSheetCreditLossLiability_iNI_pn3n3_di_zBmNJXMI9315" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Allowance for credit losses on off-balance sheet exposures</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1755">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(918</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(918</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 0pt; padding-left: 0pt"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline">Shareholders’ Equity</span></b></span></p></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--RetainedEarningsAccumulatedDeficit_iNI_pn3n3_di_zDxYBZu4o9Ze" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Retained earnings, net of tax</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(127,982</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(127,991</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(9</td><td style="text-align: left">)</td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <div style="margin-left: 0pt; margin-top: 0pt; margin-bottom: 0pt; width: 20%"><div style="border-top: Black 1pt solid; font-size: 1pt"> </div></div> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in"><span id="xdx_F0F_zYtLz8tkzlJ7" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td><td style="text-align: justify"><span id="xdx_F13_z2j0K7GXdS3f" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase credit deteriorated (“PCD loans”) gross up of cost basis of loans totaled $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_902_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3p0_c20221231__us-gaap--CreditLossStatusAxis__us-gaap--FinancialAssetAcquiredWithCreditDeteriorationMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zrv7U5yVq6X8" title="Total loans">422,000</span> for commercial real estate loans and $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_902_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3p0_c20221231__us-gaap--CreditLossStatusAxis__us-gaap--FinancialAssetAcquiredWithCreditDeteriorationMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z1aH46CxLzx9">1,691,000</span> for commercial and industrial loans.</span></td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in"><span id="xdx_F0F_zisw2nsPCSO1" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</span></td><td style="text-align: justify"><span id="xdx_F10_zzz6K3jYNUC5" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Increase to allowance for credit losses on loans of $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_90E_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iI_pn3p0_c20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember__us-gaap--CreditLossStatusAxis__us-gaap--FinancialAssetAcquiredWithCreditDeteriorationMember_z23easHTyMl1" title="Allowance for credit losses on loans">2,113,000</span> for PCD loans gross up and a decrease of $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_906_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iI_pn3p0_dxL_c20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember__us-gaap--CreditLossStatusAxis__us-gaap--FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember_zbckIFyR6pVj" title="Allowance for credit losses on loans::XDX::-931000"><span style="-sec-ix-hidden: xdx2ixbrl1770">931,000</span></span> for pooled loans through retained earnings.</span></td></tr></table> <p id="xdx_8A4_zQI1Vme8oEgg" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Allowance for Credit Losses.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The allowance for credit losses is an estimate of expected losses inherent within the Company's existing loans held for investment portfolio. The allowance for credit losses for loans held for investment, as reported in our consolidated balance sheet, is adjusted by a credit loss expense, which is reported in earnings, and reduced by the charge-off of loan amounts, net of recoveries. Accrued interest receivable on loans held for investment was $<span id="xdx_901_eus-gaap--FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_iI_pn5n6_c20230930_zMPVphyk3Hmh" title="Accrued interest receivable on loans held for investment">7.3</span> million at September 30, 2023 and is excluded from the estimate of credit losses.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The credit loss estimation process involves procedures to appropriately consider the unique characteristics of loan portfolio segments, which consist of commercial real estate loans, residential real estate loans, commercial and industrial loans, and consumer loans. These segments are further disaggregated into loan classes, the level at which credit risk is monitored. For each of these pools, the Company generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speed, curtailments, time to recovery, probability of default, and loss given default. The modeling of expected prepayment speeds, curtailment rates, and time to recovery are based on historical internal data. The quantitative component of the ACL on loans is model-based and utilizes a forward-looking macroeconomic forecast. The Company uses a discounted cash flow method, incorporating probability of default and loss given default forecasted based on statistically derived economic variable loss drivers, to estimate expected credit losses. This process includes estimates which involve modeling loss projections attributable to existing loan balances, and considering historical experience, current conditions, and future expectations for pools of loans over a reasonable and supportable forecast period. The historical information either experienced by the Company or by a selection of peer banks, when appropriate, is derived from a combination of recessionary and non-recessionary performance periods for which data is available.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Commercial real estate loans</b>. Loans in this segment include commercial real estate, multi-family dwellings, owner-occupied commercial real estate and income producing investment properties, as well as commercial construction loans for commercial development projects throughout New England. The underlying cash flows generated by the properties or operations can be adversely impacted by a downturn in the economy due to increased vacancy rates or diminished cash flows, which in turn, would have an effect on the credit quality in this segment. Management obtains financial information annually and continually monitors the cash flows of these loans.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Residential real estate loans</b>. This portfolio segment consists of first mortgages, home equity loans, and home equity lines secured by one-to-four family residential properties. First mortgages may be underwritten to a maximum loan-to-value of <span id="xdx_900_ecustom--FirstMortgagesMaximumLoanToValuePercentageOwnerOccupiedHomes_pid_dp_uPure_c20230101__20230930_zOqYHqqfz0se">97</span>% for owner-occupied homes, <span id="xdx_90E_ecustom--FirstMortgagesMaximumLoanToValuePercentageSecondHomes_pid_dp_uPure_c20230101__20230930_zQVvhKcr6jS8">90</span>% for second homes and <span id="xdx_90F_ecustom--FirstMortgagesMaximumLoanToValuePercentageInvestmentProperties_pid_dp_uPure_c20230101__20230930_ziCXSIdYAPR2">85</span>% for investment properties. Mortgages with loan-to-values greater than <span id="xdx_90E_ecustom--LoanToValueRatioRequiringPrivateMortgageInsurance_pid_dp_uPure_c20230101__20230930_zZIjQrElYL39" title="Loan-to-value ratio requiring private mortgage insurance">80</span>% require private mortgage insurance. We do not grant subprime loans. Home equity loans and lines are secured by first or second mortgages on one-to-four family owner-occupied properties. Equity loans and lines are underwritten to a maximum combined loan-to-value of <span id="xdx_900_ecustom--ResidentialEquityLoansAndLinesMaximumPercentageOfAppraisedValueUnderwritten_pid_dp_uPure_c20230101__20230930_zWYtq8avBCDk">85</span>% of the appraised value of the property. Underwriting approval is dependent on review of the borrower’s ability to repay and credit history in accordance with Westfield Bank’s policy. The overall health of the economy, including unemployment rates and housing pricing, will have an effect on the credit quality in this segment.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Commercial and industrial loans</b>. Loans in this segment include commercial business loans and are generally secured by assignments of corporate assets and personal guarantees of the business owners. Repayment is expected from the cash flows of the business. A weakened economy, and resultant decreased consumer spending, will have an effect on the credit quality in this segment.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Consumer loans</b>. Loans in this segment are both secured and unsecured and repayment is dependent on the credit quality of the individual borrower.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Discounted cash flow method (“DCF”)</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In estimating the component of the allowance for credit losses for loans that share similar risk characteristics with other loans, such loans are segregated into loan classes. Loans are designated into loan classes based on loans pooled by product types and similar risk characteristics or areas of risk concentration. In determining the allowance for credit losses, we derive an estimated credit loss assumption from a model that categorizes loan pools based on loan type and purpose. This model calculates an expected loss percentage for each loan class by considering the probability of default, using life-of-loan analysis periods for all loan segments, and the historical severity of loss, based on the aggregate net lifetime losses incurred per loan class. The default and severity factors used to calculate the allowance for credit losses for loans that share similar risk characteristics with other loans are adjusted for differences between the historical period used to calculate historical default and loss severity rates and expected conditions over the remaining lives of the loans in the portfolio related to: (1) lending policies and procedures; (2) international, national, regional and local economic business conditions and developments that affect the collectability of the portfolio; (3) the nature and volume of the loan portfolio including the terms of the loans; (4) the experience, ability, and depth of the lending management and other relevant staff; (5) the volume and severity of past due and adversely classified loans and the volume of nonaccrual loans; (6) the quality of our loan review system and (7) the value of underlying collateral for collateralized loans. Additional factors include the existence and effect of any concentrations of credit, and changes in the level of such concentrations and the effect of external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the existing portfolio. Such factors are used to adjust the historical probabilities of default and severity of loss so that they reflect management expectation of future conditions based on a reasonable and supportable forecast. The Company uses regression analysis of historical internal and peer data to determine which variables are best suited to be economic variables utilized when modeling lifetime probability of default and loss given default. This analysis also determines how expected probability of default and loss given default will react to forecasted levels of the economic variables.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For all DCF models, management has determined that four quarters represents a reasonable and supportable forecast period and reverts back to a historical loss rate over four quarters on a straight-line basis. Other internal and external indicators of economic forecasts are also considered by management when developing the forecast metrics.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Individually evaluated financial assets</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For a loan that does not share risk characteristics with other loans, expected credit loss is measured based on net realizable value, that is, the difference between the discounted value of the expected future cash flows, based on the original effective interest rate, and the amortized cost basis of the loan. For these loans, we recognize expected credit loss equal to the amount by which the net realizable value of the loan is less than the amortized cost basis of the loan (which is net of previous charge-offs and deferred loan fees and costs), except when the loan is collateral dependent, that is, when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. In these cases, expected credit loss is measured as the difference between the amortized cost basis of the loan and the fair value of the collateral. The fair value of the collateral is adjusted for the estimated cost to sell if repayment or satisfaction of a loan is dependent on the sale (rather than only on the operation) of the collateral.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Purchased Credit Deteriorated Loans</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company has loans acquired with evidence of credit deterioration from Chicopee Bancorp, Inc. Prior to the adoption of CECL, these loans were accounted for under accounting guidance for purchased credit-impaired (“PCI”) loans. The Company did not elect the practical expedient to maintain pool accounting for these loans and will measure credit loss at the loan level.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Upon adoption of ASC 326, PCI loans are accounted for as purchase credit deteriorated (“PCD loans”). PCD loans are recorded at the amount paid. An allowance for credit losses is determined using the same methodology as other loans held for investment. The initial allowance for credit losses determined on a collective basis is allocated to individual loans. The sum of the loan’s purchase price and allowance for credit losses becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the allowance for credit losses are recorded through credit loss expense.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Allowance for credit losses on off-balance sheet credit exposures, including unfunded loan commitments</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company maintains a separate allowance for credit losses from off-balance-sheet credit exposures, including unfunded loan commitments, which is included in other liabilities on the balance sheet. Management estimates the amount of expected losses by calculating a commitment usage factor over the contractual period for exposures that are not unconditionally cancellable by the Company and applying the loss factors used in the ACL methodology to the results of the usage calculation to estimate the liability for credit losses related to unfunded commitments for each loan type. No credit loss estimate is reported for off-balance-sheet credit exposures that are unconditionally cancellable by the Company, such as undrawn amounts under such arrangements that may be drawn prior to the cancellation of the arrangement. The allowance for credit losses on off-balance sheet credit exposures is adjusted as credit loss expense. Categories of off-balance sheet credit exposures correspond to the loan portfolio segments described above. Management evaluates the need for a reserve on unfunded loan commitments in a manner consistent with loans held for investment.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_899_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_zmjXDe8tg2S4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B1_zLQcWB6Csz33">An analysis of changes in the allowance for credit losses by segment for the three and nine months ended September 30, 2023 and the allowance for credit losses for the three and nine months ended September 30, 2022 is as follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialRealEstateMember_zFkSz9Iuv0A1" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B4_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ResidentialPortfolioSegmentMember_zIBRBHpXBaEh" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialAndIndustrialSectorMember_zHQO8XtW7I4d" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> and <br/> Industrial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_zCF44R5N6iwa" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B0_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_custom--UnallocatedMember_zIx90XALYZ06" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unallocated</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BC_zLyGnFNfMie7" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="22" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_43B_c20230701__20230930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zxEjVmyi7b68" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 34%; font-weight: bold; text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Balance at June, 2023</b><sup id="xdx_F4F_zm2V1P3QMAs3">(2)</sup></span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">15,752</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">2,356</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">1,487</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">52</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1786">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">19,647</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_43F_c20230701__20230930_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zjYpzJJ1oN78" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Provision (reversal) for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(188</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">551</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1793">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">409</td><td style="text-align: left"> </td></tr> <tr id="xdx_437_c20230701__20230930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zYNSRDg6nuVi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1796">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1797">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(147</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(46</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1800">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(193</td><td style="text-align: left">)</td></tr> <tr id="xdx_435_c20230701__20230930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zP2VIWYKzQS7" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">9</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">77</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">27</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1807">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">115</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_432_c20230701__20230930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_z06FEfQngPhi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Balance at September 30, 2023</b><sup id="xdx_F43_zGHME621lVZd">(2)</sup></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,573</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,389</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,968</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">48</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1814">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">19,978</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_430_c20230101__20230930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zREoiWytC9ff" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Balance at December 31, 2022</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">12,199</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,312</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,160</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">245</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">15</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">19,931</td><td style="text-align: left"> </td></tr> <tr id="xdx_43A_c20230101__20230930__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zq5ANSeJ6FI2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cumulative effect of change in accounting principle<sup id="xdx_F4D_z1WtPdSolrC7">(1)</sup></span></td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,989</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(2,518</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(75</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(199</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(15</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,182</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_436_c20230101__20230930__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zw6YfXFo4rz7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Adjusted Beginning Balance</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">16,188</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,794</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">46</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1835">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_c20230101__20230930__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_z1NCCOm0PER2" style="text-align: right" title="Beginning balance, allowance for credit losses">21,113</td><td style="text-align: left"> </td></tr> <tr id="xdx_43A_c20230101__20230930_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zZ04rA1btHT6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Provision (reversal) for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(211</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">570</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">348</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">61</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1844">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">768</td><td style="text-align: left"> </td></tr> <tr id="xdx_434_c20230101__20230930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zT6NE2DV3Vy3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(414</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1848">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,561</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(116</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1851">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,091</td><td style="text-align: left">)</td></tr> <tr id="xdx_43B_c20230101__20230930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zWUhQwynTCD2" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">10</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">25</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">96</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">57</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1858">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">188</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_430_c20230101__20230930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_z9tN01XsExh8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Balance at September 30, 2023</b><sup id="xdx_F44_z6hKNHH5Pdt7">(2)</sup></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,573</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,389</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,968</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">48</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1865">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_c20230101__20230930_fKDIp_zYbBULhfr9Z8" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance, allowance for credit losses">19,978</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialRealEstateMember_zJncBSNpOv9a" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B4_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ResidentialPortfolioSegmentMember_zyFXR2KirjAb" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialAndIndustrialSectorMember_z6pH1iQ5vwbl" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> and <br/> Industrial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_z4EifZaCgwqd" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B0_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_custom--UnallocatedMember_zP4xR09ZzEg6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unallocated</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BC_zBYz1UWXazEi" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="22" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_431_c20230101__20230930_eus-gaap--OffBalanceSheetCreditLossLiabilityAbstract_iB_zxn1742Ms3Gb" style="vertical-align: bottom"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Allowance for credit losses for off-balance sheet exposures</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_43B_c20230701__20230930_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_z9GJMeXY2Yrl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 34%; font-weight: bold; padding-left: 0.125in">Balance at June 30, 2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">395</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">163</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">33</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1880">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1881">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">591</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_437_c20230701__20230930_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3n3_zDaaQabzvaj4" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">(Reversal of) provision for credit losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(79</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">20</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1887">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1888">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(55</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_439_c20230701__20230930_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_zVmzoW8nQtX3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Balance at September 30, 2023</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">316</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">167</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">53</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1894">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1895">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">536</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_431_c20230101__20230930_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_z5WG3ZX14JT2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Balance at December 31, 2022</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1898">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1899">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1900">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1901">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1902">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1903">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_438_c20230101__20230930__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_zMiTUxhg8295" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Cumulative effect of change in accounting principle</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">611</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">267</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1908">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1909">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--OffBalanceSheetCreditLossLiability_iS_c20230101__20230930__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_zOfRgYoDR2ag" style="text-align: right" title="Beginning balance">918</td><td style="text-align: left"> </td></tr> <tr id="xdx_432_c20230101__20230930_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3n3_zYrR9eg46UU3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Reversal of credit losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(295</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(100</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">13</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1917">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1918">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(382</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_433_c20230101__20230930_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_z6EPwHur1kng" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Balance at September 30, 2023</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">316</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">167</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">53</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1924">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1925">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_c20230101__20230930_zmnqQ5Cmxb4d" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance">536</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <div style="margin-left: 0pt; margin-top: 0pt; margin-bottom: 0pt; width: 20%"><div style="border-top: Black 1pt solid; font-size: 1pt"> </div></div> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0pt"></td><td style="width: 0.25in"><span id="xdx_F04_z7F4B11GYcMe" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td><td style="text-align: justify"><span id="xdx_F14_zzD6IiAbJPDj" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents the net adjustment needed to reflect the cumulative day one impact pursuant to the Company’s adoption of ASU 2016-13 (i.e., cumulative effect adjustment related to the adoption of ASU 2016-13 as of January 1, 2023). The adjustment represents a $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_90C_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iI_pn3p0_dxL_c20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember__us-gaap--CreditLossStatusAxis__us-gaap--FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember_zyUMphl47334" title="Allowance for credit losses on loans::XDX::-931000"><span style="-sec-ix-hidden: xdx2ixbrl1931">931,000</span></span> decrease to the allowance for loans attributable to the change in accounting methodology for estimating the allowance for credit losses resulting from the Company’s adoption of the standard. The adjustment also includes the adjustment needed to reflect the day one reclassification of the Company’s PCI loan balances to PCD loan balances and the associated gross-up of $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_902_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iI_pn3p0_c20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember__us-gaap--CreditLossStatusAxis__us-gaap--FinancialAssetAcquiredWithCreditDeteriorationMember_zwlIXN55kdG" title="Allowance for credit losses on loans">2,113,000</span>, pursuant to the Company’s adoption of ASU 2016-13.</span></td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0pt"></td><td style="width: 0.25in"><span id="xdx_F03_zL7Twcvj4HHk" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</span></td><td style="text-align: justify"><span id="xdx_F1A_ze9Tcr9oUM7f" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The balance of $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_902_eus-gaap--FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_iI_pn5n6_c20230930_z7xos4rxdXBk" title="Accrued interest receivable">7.3</span> million and $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_90B_eus-gaap--FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_iI_pn5n6_c20230630_z6zWmynQmYu2" title="Accrued interest receivable">6.8</span> million in accrued interest receivable is excluded from amortized cost and the calculation of the allowance for credit losses at September 30, 2023 and June 30, 2023, respectively.</span></td></tr></table> <p id="xdx_8A9_za73nePQcXMb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The $<span id="xdx_907_eus-gaap--ProvisionForLoanLeaseAndOtherLosses_pn3p0_c20230701__20230930_zlpkNttwl24k" title="Provision for credit losses">354,000</span> provision for credit losses during the three months ended September 30, 2023 was comprised of a <span id="xdx_90C_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3p0_c20230701__20230930_zYgikrYGCKHf" title="Provision for loan losses">$409,000</span> provision for loan losses, which was partially offset by a $<span id="xdx_90F_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_iN_pn3p0_di_c20230701__20230930_zuOLqArcT3L3" title="Reversal for credit losses for off-balance sheet exposures">55,000</span> reversal of credit losses for unfunded commitments. The provision expense during the three months ended September 30, 2023 was primarily due to changes in the economic environment and related adjustments to the quantitative components of the CECL methodology. The $<span id="xdx_90F_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_iN_pn3p0_di_c20230701__20230930_zATgKwaioMPg" title="Reversal for credit losses for off-balance sheet exposures">55,000</span> reversal of credit losses for unfunded commitments for the three months ended September 30, 2023 was primarily related to the impact of lower unfunded loan commitments, with off-balance sheet unfunded commitment exposures decreasing $<span id="xdx_907_eus-gaap--IncreaseDecreaseInFinanceReceivables_iN_pn5n6_di_c20230701__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--UnfundedLoanCommitmentMember_zL4QzCwDkmCl" title="Decrease in unfunded commitments">6.7</span> million, or <span id="xdx_90F_ecustom--PercentageIncreaseDecreaseInOffBalanceSheetExposure_iN_di_c20230701__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--UnfundedLoanCommitmentMember_zjlRfYPPBxi2" title="Percentage of decrease in off-balance sheet exposure">3.7%</span>, for the three months ended September 30, 2023. The <span id="xdx_90D_eus-gaap--ProvisionForLoanLeaseAndOtherLosses_pn3p0_c20230101__20230930_zCKbkMZFeFs1" title="Provision for credit losses">$386,000</span> provision for credit losses during the nine months ended September 30, 2023 was comprised of a <span id="xdx_90A_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3p0_c20230101__20230930_zU2FchqhaxPc">$768,000</span> provision for loan losses, which was partially offset by a $<span id="xdx_90B_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_iN_pn3p0_di_c20230101__20230930_ztK6UPfJdy3h" title="Reversal for credit losses for off-balance sheet exposures">382,000</span> reversal of credit losses for unfunded commitments. The provision expense during the nine months ended September 30, 2023 was primarily due to changes in the economic environment and related adjustments to the quantitative components of the CECL methodology. The $<span id="xdx_90B_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_iN_pn3p0_di_c20230101__20230930_zE7hDKnMw71l" title="Reversal for credit losses for off-balance sheet exposures">382,000</span> reversal of credit losses for unfunded commitments for the nine months ended September 30, 2023 was primarily related to the impact of lower unfunded loan commitments, with off-balance sheet unfunded commitment exposures decreasing $<span id="xdx_90E_eus-gaap--IncreaseDecreaseInFinanceReceivables_iN_pn5n6_di_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--UnfundedLoanCommitmentMember_zhcjpCfFSx4j" title="Decrease in unfunded commitments">36.2</span> million for the nine months ended September 30, 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89F_ecustom--ScheduleOfInformationPertainingToAllowanceForLoanLossesBySegment_zRuujtbMBBB1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B6_zhtg8LfGcOak">The following tables presents information pertaining to the allowance for credit losses by segment Pre-ASC 326 CECL adoption for the date indicated:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialRealEstateMember_z8b7c3B9xaId" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B4_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ResidentialPortfolioSegmentMember_z5SUnIMPewab" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialAndIndustrialSectorMember_zQmz8LkuMh7i" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> and <br/> Industrial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_zUvafBIO9pBc" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B0_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_custom--UnallocatedMember_zQTC1xQ01yn8" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unallocated</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BC_zn8Yzv5r6Woh" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td colspan="22" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_439_c20220701__20220930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_z47ukBgDIj0l" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 34%; font-weight: bold; padding-left: 0.125in">Balance at June 30, 2022</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">12,483</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">4,164</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">2,686</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">210</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">17</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">19,560</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_431_c20220701__20220930_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zeJYgw0ZVxxg" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Provision (credit)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">68</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">86</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">481</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">53</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(13</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">675</td><td style="text-align: left"> </td></tr> <tr id="xdx_439_c20220701__20220930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zXOkc7CWE3ab" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1977">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1978">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1979">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(59</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1981">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(59</td><td style="text-align: left">)</td></tr> <tr id="xdx_438_c20220701__20220930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zUIdVrqwRKfd" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1984">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1985">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">18</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1988">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">32</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_43A_c20220701__20220930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_zLHmIl7eq0O4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Balance at September 30, 2022</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">12,551</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,250</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,181</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">222</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">20,208</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_434_c20220101__20220930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zOXpW6Gi2rp2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Balance at December 31, 2021</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">12,970</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,964</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,643</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">197</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">13</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_c20220101__20220930_zCbuXwHgz4h9" style="text-align: right" title="Beginning balance, allowance for credit losses">19,787</td><td style="text-align: left"> </td></tr> <tr id="xdx_43F_c20220101__20220930_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zOLlGhvR0rA2" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Provision (credit)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(382</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">282</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">538</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(9</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">550</td><td style="text-align: left"> </td></tr> <tr id="xdx_43D_c20220101__20220930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zVNSbG0V4XLg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(37</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(27</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(22</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(145</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2018">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(231</td><td style="text-align: left">)</td></tr> <tr id="xdx_435_c20220101__20220930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zzp5eB1yJzg5" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2021">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">31</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">22</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">49</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2025">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">102</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_43D_c20220101__20220930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_z34eBFuHlie6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Balance at September 30, 2022</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">12,551</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,250</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,181</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">222</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_c20220101__20220930_z61j6DEz1e6i" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance, allowance for credit losses">20,208</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialRealEstateMember_zyfOWuGTv4Te" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B4_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ResidentialPortfolioSegmentMember_zhFD0TIkVft5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialAndIndustrialSectorMember_zkhUNwmlGsdl" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> and <br/> Industrial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_z8geDbENB2Z8" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B0_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_custom--UnallocatedMember_zp7z8wBwRu8f" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unallocated</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BC_zTrq6Wsxi8hf" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="22" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; padding-bottom: 1pt; font-weight: bold; text-indent: -0.125in"><span style="text-decoration: underline">December 31, 2022</span></td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr id="xdx_43F_c20221231_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_zxe9kOMpRawc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Amount of allowance for impaired loans</td><td> </td> <td style="text-align: left">$</td> <td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2037">—</span></td><td> </td><td> </td> <td style="text-align: left">$</td> <td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2038">—</span></td><td> </td><td> </td> <td style="text-align: left">$</td> <td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2039">—</span></td><td> </td><td> </td> <td style="text-align: left">$</td> <td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2040">—</span></td><td> </td><td> </td> <td style="text-align: left">$</td> <td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2041">—</span></td><td> </td><td> </td> <td style="text-align: left">$</td> <td id="xdx_985_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_maTotalAllow_c20221231_zPW7m1HPs6sk" style="text-align: right" title="Amount of allowance for impaired loans"><span style="-sec-ix-hidden: xdx2ixbrl2042"><span style="-sec-ix-hidden: xdx2ixbrl2044">—</span></span></td><td> </td></tr> <tr id="xdx_43A_c20221231_eus-gaap--FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_iI_pn3n3_zXrUTHSrne98" style="vertical-align: bottom; background-color: White"> <td style="width: 34%; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in">Amount of allowance for non-impaired loans</td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 8%; text-align: right">12,199</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 8%; text-align: right">4,312</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 8%; text-align: right">3,160</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 8%; text-align: right">245</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 8%; text-align: right">15</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_iI_pn3n3_maTotalAllow_c20221231_zi8BzFpWHNOi" style="border-bottom: Black 1pt solid; width: 8%; text-align: right" title="Amount of allowance for non-impaired loans">19,931</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_433_c20221231_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iTI_pn3n3_zJ1hn0Bq2GBj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.25in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in">Total allowance for credit losses</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">12,199</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,312</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,160</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">245</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iTI_pn3n3_mtTotalAllow_c20221231_z0Pcknug16C5" style="border-bottom: Black 2.5pt double; text-align: right" title="Total allowance for loan losses">19,931</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_43D_c20221231_ecustom--ImpairedFinancingReceivable_iI_pn3n3_zkaeGiV5EWob" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Impaired loans</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,178</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,623</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">407</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2067">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2068">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_ecustom--ImpairedFinancingReceivable_iI_pn3n3_maTotalLoan_c20221231_zeArygil59j4" style="text-align: right" title="Impaired loans">13,208</td><td style="text-align: left"> </td></tr> <tr id="xdx_436_c20221231_ecustom--NonImpairedFinancingReceivable_iI_pn3n3_z08BXnqDnk9c" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Non-impaired loans</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,056,886</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">689,776</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">219,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,045</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2077">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--NonImpairedFinancingReceivable_iI_pn3n3_maTotalLoan_c20221231_zcFf2cJR1XV4" style="text-align: right" title="Non-impaired loans">1,970,870</td><td style="text-align: left"> </td></tr> <tr id="xdx_43D_c20221231_ecustom--ImpairedFinancingReceivableAcquiredWithDeterioratedCreditQuality_iI_pn3n3_z3IZQdewpVcd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in">Impaired loans acquired with deteriorated credit quality</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,259</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,661</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">278</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2085">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2086">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_ecustom--ImpairedFinancingReceivableAcquiredWithDeterioratedCreditQuality_iI_pn3n3_maTotalLoan_c20221231_zjjNTAUlpzZ1" style="border-bottom: Black 1pt solid; text-align: right" title="Impaired loans acquired with deteriorated credit quality">5,198</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.25in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iTI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zi6WgeMIjL19" style="border-bottom: Black 2.5pt double; text-align: right">1,069,323</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iTI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zozpBOJuC8cc" style="border-bottom: Black 2.5pt double; text-align: right">695,060</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iTI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zAeWfTKl3sfj" style="border-bottom: Black 2.5pt double; text-align: right">219,848</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iTI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zTw8ixz1sCbf" style="border-bottom: Black 2.5pt double; text-align: right">5,045</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iTI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--UnallocatedMember_zBpkcHtT0Kt6" style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2094">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iTI_pn3n3_mtTotalLoan_c20221231_z8EMBjmW02xj" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans">1,989,276</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AF_zXtFCFMkCEEe" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Past Due and Nonaccrual Loans.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89F_eus-gaap--PastDueFinancingReceivablesTableTextBlock_zx6NofGIjzE6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B2_ziIuhXV6aa2e">The following tables present an age analysis of past due loans as of the dates indicated:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">30 – 59 <br/> Days Past <br/> Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">60 – 89 <br/> Days Past <br/> Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">90 Days <br/> or  More <br/> Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Past Due <br/> Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Current <br/> Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual <br/> Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: center; text-indent: -0.125in"> </td><td> </td> <td colspan="26" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; padding-bottom: 1pt; font-weight: bold; text-indent: -0.125in"><span style="text-decoration: underline">September 30, 2023</span></td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: right"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; width: 30%; text-align: left; text-indent: -0.125in">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zSH05jWFtLbk" style="width: 7%; text-align: right">940</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zoCjoJxGTSB2" style="width: 7%; text-align: right">92</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zCBXIzAF3nna" style="width: 7%; text-align: right">595</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zp12dT77xC6c" style="width: 7%; text-align: right">1,627</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zcJDBeax5JI3" style="width: 7%; text-align: right">1,078,734</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zsGddwX0ueU" style="width: 7%; text-align: right">1,080,361</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_z9myRZbBhvF" style="width: 7%; text-align: right">1,662</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zEirYx06lWs" style="text-align: right">2,539</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zFwLJeZgyMch" style="text-align: right">266</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zleNuoyCgrYa" style="text-align: right">683</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zD9SUTYNhMB3" style="text-align: right">3,488</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zSBwFENoaLdi" style="text-align: right">602,733</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zfywrf8ESkB" style="text-align: right">606,221</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zeaDkcOFMUe2" style="text-align: right">4,030</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.25in; text-align: left; padding-bottom: 1pt; text-indent: -0.125in">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z9KBMBkxtSlk" style="border-bottom: Black 1pt solid; text-align: right">83</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zC9jDJFIr8Y8" style="border-bottom: Black 1pt solid; text-align: right">100</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zjeJRdCWxIag" style="border-bottom: Black 1pt solid; text-align: right">13</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zV8unlU4kMN1" style="border-bottom: Black 1pt solid; text-align: right">196</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zPu6TE5BCRMl" style="border-bottom: Black 1pt solid; text-align: right">107,365</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_z10VMuLD5cl9" style="border-bottom: Black 1pt solid; text-align: right">107,561</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zPfyWqS7bfk5" style="border-bottom: Black 1pt solid; text-align: right">130</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.375in">Total:</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zyPdEjbTYgYg" style="border-bottom: Black 1pt solid; text-align: right">2,622</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zHEz1WaKyDq2" style="border-bottom: Black 1pt solid; text-align: right">366</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zveuqTsMzRbe" style="border-bottom: Black 1pt solid; text-align: right">696</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_za84h3pb0Jbd" style="border-bottom: Black 1pt solid; text-align: right">3,684</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zz2FH5FT4GW7" style="border-bottom: Black 1pt solid; text-align: right">710,098</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zMl816zFV122" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans">713,782</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zJXhawJ6wtO1" style="border-bottom: Black 1pt solid; text-align: right" title="Non-Accrual Loans">4,160</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zLQbJaKB9oL1" style="text-align: right">75</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zR5ulvyVWdO3" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2130">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zeJxo7tXGCnh" style="text-align: right">236</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zQdSGMEaSlah" style="text-align: right">311</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zVPRKvwttL22" style="text-align: right">212,266</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z2InFKUibaBg" style="text-align: right">212,577</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zwgrF8qOgxM6" style="text-align: right">459</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; padding-bottom: 1pt; text-indent: -0.125in">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zfiFuoR6XF1f" style="border-bottom: Black 1pt solid; text-align: right">2</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z39aPSILtTr4" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2137">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zEsTNFU00IMl" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2138">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zojw4SJ2v4v4" style="border-bottom: Black 1pt solid; text-align: right">2</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zqekwLYJjQY4" style="border-bottom: Black 1pt solid; text-align: right">5,766</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zsUzHaDKT4f2" style="border-bottom: Black 1pt solid; text-align: right">5,768</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z53MtvfU98dd" style="border-bottom: Black 1pt solid; text-align: right">9</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-align: left; padding-bottom: 2.5pt; text-indent: 0pt"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt"></p><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total loans</b></span></p></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_znV4FILba1w1" style="border-bottom: Black 2.5pt double; text-align: right">3,639</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zaqvA5kqilhh" style="border-bottom: Black 2.5pt double; text-align: right">458</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zCDrEsbE1qv6" style="border-bottom: Black 2.5pt double; text-align: right">1,527</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zGBXTVxtr9Fl" style="border-bottom: Black 2.5pt double; text-align: right">5,624</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zvxyx1KyEamc" style="border-bottom: Black 2.5pt double; text-align: right">2,006,864</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930_zfDaY79Ip6o6" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans">2,012,488</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20230930_zWoKptAEsGi" style="border-bottom: Black 2.5pt double; text-align: right" title="Non-Accrual Loans">6,290</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; padding-left: 0.125in; font-weight: bold; text-indent: -0.125in">December 31, 2022</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in">Commercial real estate</td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zPPwAd3ESeh4" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2152">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zi1dab9WbT5" style="text-align: right">211</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zN0Y9jsBxrX7" style="text-align: right">1,404</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zvN2Glr7nGuj" style="text-align: right">1,615</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zVdn9cRHy3a4" style="text-align: right">1,067,708</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zOlL9qGRtP4h" style="text-align: right">1,069,323</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zu4htCCza4ah" style="text-align: right">1,933</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z8BNQFosIe48" style="text-align: right">1,768</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zoS9oqtPqbMc" style="text-align: right">100</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zI1raId0AV6e" style="text-align: right">414</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zmuzwjWSb4qg" style="text-align: right">2,282</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zzz4uftXPrE6" style="text-align: right">587,221</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zXFCBuIzbo6f" style="text-align: right">589,503</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zR0OggOcgsYl" style="text-align: right">3,290</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zFQBLtiofVQ6" style="border-bottom: Black 1pt solid; text-align: right">209</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z1iGenqfIgVl" style="border-bottom: Black 1pt solid; text-align: right">97</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zxRZUg3eIiM2" style="border-bottom: Black 1pt solid; text-align: right">51</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zymIES6QyN3a" style="border-bottom: Black 1pt solid; text-align: right">357</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zbQS1T8dTkR5" style="border-bottom: Black 1pt solid; text-align: right">105,200</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zs4DQ7iNYPod" style="border-bottom: Black 1pt solid; text-align: right">105,557</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zPlsoNo4A7J6" style="border-bottom: Black 1pt solid; text-align: right">181</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.375in">Total:</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zD2aXLjxatH6" style="border-bottom: Black 1pt solid; text-align: right">1,977</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zYTq0xqD9kyk" style="border-bottom: Black 1pt solid; text-align: right">197</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zVHBSVsys3Gl" style="border-bottom: Black 1pt solid; text-align: right">465</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zLzYJGHQtyg5" style="border-bottom: Black 1pt solid; text-align: right">2,639</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zYu26wSATV34" style="border-bottom: Black 1pt solid; text-align: right">692,421</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zkTQfVQA8lH" style="border-bottom: Black 1pt solid; text-align: right">695,060</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zjISqgk1yVlf" style="border-bottom: Black 1pt solid; text-align: right">3,471</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zQKzoh0KAeOj" style="text-align: right">170</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z1FYQKJbtO6h" style="text-align: right">10</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zWozbUSWEyRj" style="text-align: right">22</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zj68EyHUUVs7" style="text-align: right">202</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z3EwHp2hvEUd" style="text-align: right">219,646</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zIp2qIvFL76c" style="text-align: right">219,848</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zu2bS3Kbobli" style="text-align: right">290</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; padding-bottom: 1pt; text-indent: -0.125in">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z6meV9JR5L2f" style="border-bottom: Black 1pt solid; text-align: right">13</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zrRwKYhiko7l" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2188">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zR2pDV4DWdE7" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2189">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zqTNNyoS8bpb" style="border-bottom: Black 1pt solid; text-align: right">13</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zHdwOqWWGTab" style="border-bottom: Black 1pt solid; text-align: right">5,032</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zlD60s271xJ5" style="border-bottom: Black 1pt solid; text-align: right">5,045</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zxDnt9SiGWtb" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2193">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z5jqdeKHeMi9" style="border-bottom: Black 2.5pt double; text-align: right">2,160</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zdfMGaSqv0e6" style="border-bottom: Black 2.5pt double; text-align: right">418</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zbl8cYupcgw7" style="border-bottom: Black 2.5pt double; text-align: right">1,891</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zdwUWQJtZ2Ch" style="border-bottom: Black 2.5pt double; text-align: right">4,469</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zVA0gR4KMixa" style="border-bottom: Black 2.5pt double; text-align: right">1,984,807</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231_zAqB3QPtuWQl" style="border-bottom: Black 2.5pt double; text-align: right">1,989,276</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20221231_zUJQmccqntH8" style="border-bottom: Black 2.5pt double; text-align: right">5,694</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A9_zeQazmHr6nTd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At September 30, 2023 and December 31, 2022, total past due loans totaled $<span id="xdx_90F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_dxL_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zzukz57NRNi6" title="Total loans::XDX::5624"><span style="-sec-ix-hidden: xdx2ixbrl2202">5.6</span></span> million, or <span id="xdx_905_eus-gaap--FinancingReceivablePercentPastDue1_iI_pid_dp_uPure_c20230930_zI4cBM1KIr4b" title="Total past due, percentage of total loans">0.28</span>% of total loans, and $<span id="xdx_906_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_dxL_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zieaYPAHmB8e" title="Total loans::XDX::4469"><span style="-sec-ix-hidden: xdx2ixbrl2206">4.5</span></span> million, or <span id="xdx_903_eus-gaap--FinancingReceivablePercentPastDue1_iI_pid_dp_uPure_c20221231_za1BMMLyUWq9">0.22</span>% of total loans, respectively.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nonaccrual Loans.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accrual of interest on loans is generally discontinued when contractual payment of principal or interest becomes past due 90 days or, if in management's judgment, reasonable doubt exists as to the full timely collection of interest. Exceptions may be made if the loan has matured and is in the process of renewal or is well-secured and in the process of collection. When a loan is placed on nonaccrual status, interest accruals cease and uncollected accrued interest is reversed and charged against current interest income. Interest payments on nonaccrual loans are generally applied to principal. If collection of the principal is reasonably assured, interest payments are recognized as income on the cash basis. Loans are generally returned to accrual status when principal and interest payments are current, full collectability of principal and interest is reasonably assured and a consistent record of at least six consecutive months of performance has been achieved.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_893_eus-gaap--ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_z34zLa3kwEEa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B0_z7YUZt9kg9Te">The following table presents information regarding nonaccrual loans as of the date indicated:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_481_ecustom--FinancingReceivableNonaccrualWithAllowance_iI_pn3n3_zrqAMw1hPZy4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_483_eus-gaap--FinancingReceivableNonaccrualNoAllowance_iI_pn3n3_zbNPAOg4Iwha" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_482_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_zKimuOeRxkU9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_48C_eus-gaap--FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_iI_pn3n3_zz5LyVT0zM8k" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>As of September 30, 2023<sup id="xdx_F68_zjNpdIEymmm6">(1)</sup></b></span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the Nine <br/> Months Ended <br/> September 30, <br/> 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual <br/> Loans with <br/> Allowance for <br/> Credit Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual <br/> Loans Without <br/> Allowance for <br/> Credit Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nonaccrual <br/> Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost <br/> of Loans <br/> Greater than <br/> 90 Days Past <br/> Due and Still <br/> Accruing</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Accrued <br/> Interest <br/> Receivable <br/> Reversed from <br/> Income</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="18" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_412_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zBY65ejDb5yc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; width: 35%; text-align: left; text-indent: -0.125in">Commercial real estate<sup id="xdx_F43_zD9gzclMhzP2" style="display: none">(1)</sup></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2210">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,662</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,662</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2213">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zrprSxDUxGSa" style="width: 10%; text-align: right" title="Accrued Interest Receivable Reversed from Income">85</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in">Residential real estate:<sup id="xdx_F41_zMMll2HLzDu5" style="display: none">(1)</sup></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_415_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zxFVXjOLE81k" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.25in; text-indent: -0.125in">Residential<sup id="xdx_F43_zfnFWf8deOZ2" style="display: none">(1)</sup></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2216">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,030</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,030</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2219">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zqpYJzxf1USh" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">131</td><td style="text-align: left"> </td></tr> <tr id="xdx_413_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_z4txtRgVNlc" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.25in; text-align: left; text-indent: -0.125in">Home equity<sup id="xdx_F43_zAGrLoIw6VK4" style="display: none">(1)</sup></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2222">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2225">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zLcHdBZDklrj" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">9</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zWtrWD2Z8D01" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in">Commercial and industrial<sup id="xdx_F4C_zVlNzkec4Z45" style="display: none">(1)</sup></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2228">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">459</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">459</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2231">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z1VEGznBCm96" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">131</td><td style="text-align: left"> </td></tr> <tr id="xdx_419_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zHbX8oT2nXdl" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; padding-bottom: 1pt; text-indent: -0.125in">Consumer<sup id="xdx_F45_zWJcoxhl7hJ8" style="display: none">(1)</sup></td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2234">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">9</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">9</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2237">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z74I7qSb6dE6" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl2239">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_419_20230930_z9KP0jLZrls" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in">Total loans<sup id="xdx_F42_zMvD7GZt87k9" style="display: none">(1)</sup></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2240">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,290</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,290</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2243">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230930_zDi4J6iEF3ub" style="border-bottom: Black 2.5pt double; text-align: right" title="Accrued Interest Receivable Reversed from Income">356</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <div style="margin-left: 0.25in; margin-top: 0pt; margin-bottom: 0pt; width: 20%"><div style="border-top: Black 1pt solid; font-size: 1pt"> </div></div> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in"><span id="xdx_F0F_zDnDHCluwZal" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td><td style="padding-left: 0in; text-align: justify"><span id="xdx_F1D_zsvOqG1qUynb" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company adopted ASU 2016-13 as of January 1, 2023.</span></td></tr></table> <p id="xdx_8AB_zZtlkOqfJhAe" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At September 30, 2023 and December 31, 2022, nonaccrual loans totaled $<span id="xdx_904_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_dxL_c20230930_z21ON2LoGgch" title="Nonaccrual loans::XDX::6290"><span style="-sec-ix-hidden: xdx2ixbrl2248">6.3</span></span> million, or <span id="xdx_905_esrt--FinancingReceivableNonaccrualToOutstandingPercent_iI_pid_dp_uPure_c20230930_zpXOs3CNILob" title="Nonaccrual loans, percentage of total loans">0.31</span>% of total loans, and $<span id="xdx_90E_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_dxL_c20221231_zP2koqDOFfE9" title="Nonaccrual loans::XDX::5694"><span style="-sec-ix-hidden: xdx2ixbrl2252">5.7</span></span> million, or <span id="xdx_905_esrt--FinancingReceivableNonaccrualToOutstandingPercent_iI_pid_dp_uPure_c20221231_z4kJbOXlc0ye" title="Nonaccrual loans, percentage of total loans">0.29</span>%, of total loans, respectively. The Company did not recognize any interest income on nonaccrual loans for the nine months ended September 30, 2023 and for the year ended December 31, 2022. At September 30, 2023 and December 31, 2022, there were no commitments to lend additional funds to any borrower on nonaccrual status.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Individually Evaluated Loans.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In connection with the adoption of ASU-2106-13, the Company no longer provides information on impaired loans. A loan is considered individually evaluated when, based on current information and events, the borrower is experiencing financial difficulty and repayment, both principal and interest, is expected to be provided substantially through the operation or sale of the collateral. At September 30, 2023, the Company had $<span id="xdx_909_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn5n6_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zScvb6hIaDjk" title="Individually evaluated loans">14.5</span> million in individually evaluated commercial loans, collateralized by business assets, and $<span id="xdx_906_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn5n6_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateLoanMember_zQGijcE60x33" title="Individually evaluated loans">17.3</span> million in individually evaluated real estate loans, collateralized by real estate property.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89C_eus-gaap--ImpairedFinancingReceivablesTableTextBlock_zTlgJnwASYvd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BD_z7WUNzecjfci"><span id="xdx_8B1_zE70OhtwWX2d">The following table summarizes the Company’s individually evaluated loans</span> by class as of September 30, 2023:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Recorded <br/> Investment</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Related <br/> Allowance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">With no related allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 54%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zqGyFOcagyk5" style="width: 10%; text-align: right" title="Loans with no related allowance recorded, recorded investment">11,256</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.375in">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_z1ppFqNHRat1" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">5,936</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.375in">Home equity</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zdQ29Ra9FHKc" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">143</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zV6m940ZMXo" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">13,989</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zirQ8bBKl0Te" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">9</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Loans with no related allowance recorded</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_pn3n3_maIndivLoan_c20230930_zIl2dtXlm842" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">31,333</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Commercial real estate</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.375in">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.375in">Home equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zU9rWkiua7Lh" style="text-align: right" title="Loans with an allowance recorded, recorded investment">517</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z5G15nc1AQk" style="text-align: right" title="Loans with an allowance recorded, related allowance">179</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Loans with an allowance recorded</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_pn3n3_maIndivLoan_c20230930_zCmTcftlywEl" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, recorded investment">517</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_988_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20230930_zZX9u8EJIyHf" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, related allowance">179</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total individually evaluated loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iTI_pn3n3_mtIndivLoan_c20230930_zen8uXtdSHRk" style="border-bottom: Black 2.5pt double; text-align: right" title="Total individually evaluated loans, recorded investment">31,850</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20230930_zNl5U2AZtyvi" style="border-bottom: Black 2.5pt double; text-align: right">179</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-ASC 326 CECL adoption impaired loan information as of December 31, 2022 is as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">At December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Recorded <br/> Investment</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unpaid <br/> Principal <br/> Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Related <br/> Allowance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Average <br/> Recorded <br/> Investment</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Interest <br/> Income <br/> Recognized</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: center; text-indent: -0.125in"> </td><td> </td> <td colspan="18" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Impaired Loans <sup>(1)</sup></b></span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 35%; text-align: left; padding-left: 0.125in">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_fKDEp_z5jA5aGVeizj" style="width: 10%; text-align: right">12,437</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_fKDEp_zjkGa9tdm3A2" style="width: 10%; text-align: right">13,795</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_fKDEp_ziHOTa1JUSng" style="width: 10%; text-align: right">13,648</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_fKDEp_zZHC5DIDrmp3" style="width: 10%; text-align: right">217</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_fKDEp_z90fNYlzHEt7" style="text-align: right">5,088</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_fKDEp_znP4rGbia4Ab" style="text-align: right">5,823</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_fKDEp_zbsa7vbeqKB7" style="text-align: right">4,716</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_fKDEp_zLONuHNLWJl4" style="text-align: right">45</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Home equity</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_fKDEp_zf1wjurqh7Hi" style="text-align: right">196</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_fKDEp_zNWlL28uVozf" style="text-align: right">214</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_fKDEp_zSr1C10yKGo5" style="text-align: right">162</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_pn3n3_d0_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_fKDEp_zmb4t2Jlj7Ua" style="text-align: right">1</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_fKDEp_zY34KjQTsqli" style="text-align: right">685</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_fKDEp_zOwCJcGA9B62" style="text-align: right">3,095</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_fKDEp_zahMVw656is6" style="text-align: right">936</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_fKDEp_zTSyUKR8IbLe" style="text-align: right">56</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_fKDEp_zQagn8okmh63" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2300">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_fKDEp_zwdyRxFcEDz2" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2301">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_fKDEp_zohLkVXnzzNl" style="border-bottom: Black 1pt solid; text-align: right">3</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_fKDEp_z9kTA9bU6h8j" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2303">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Total impaired loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20221231_fKDEp_z03DAZ9Sh3Ta" style="border-bottom: Black 2.5pt double; text-align: right" title="Impaired loans, recorded investment">18,406</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20221231_fKDEp_zVZgIpDdWxW9" style="border-bottom: Black 2.5pt double; text-align: right" title="Impaired loans, unpaid principal balance">22,927</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_pn3n3_c20220101__20220930_fKDEp_zYhctcDCvfb3" style="border-bottom: Black 2.5pt double; text-align: right" title="Impaired loans, average recorded investment">19,465</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_pn3n3_c20220101__20220930_fKDEp_zsZIYUj4Lgf8" style="border-bottom: Black 2.5pt double; text-align: right" title="Impaired loans, interest income recognized">319</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="text-align: right"> </td><td> </td><td style="text-align: justify"> </td></tr> <tr style="vertical-align: top; text-align: justify"> <td style="width: 15pt; text-align: right"><span id="xdx_F0A_ztseEae3xG42" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td><td style="width: 5pt"></td><td style="text-align: justify"><span id="xdx_F1A_zQnCFAUc1eG2" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Includes loans acquired with deteriorated credit quality and performing troubled debt restructurings.</span></td> </tr></table> <p id="xdx_8AC_zZ9nrxU24tbb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Modified Loans. </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans are designated as modified when, as part of an agreement to modify the original contractual terms of the loan as a result of financial difficulties of the borrower, the Company grants the borrower a concession on the terms that would not otherwise be considered. Typically, such concessions may consist of a reduction in interest rate to a below market rate, taking into account the credit quality of the note, extension of additional credit based on receipt of adequate collateral, or a deferment or reduction of payments (principal or interest) which materially alters the Company's position or significantly extends the note's maturity date, such that the present value of cash flows to be received is materially less than those contractually established at the loan's origination.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">There were no loan modifications during the nine months ended September 30, 2023 and for the year ended December 31, 2022. During the nine months ended September 30, 2023 and 2022, no modified loans defaulted (defined as 30 days or more past due) within 12 months of restructuring. There were no charge-offs on modified loans during the nine months ended September 30, 2023 or 2022.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Credit Quality Information.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company utilizes an eight-grade internal loan rating system for commercial real estate and commercial and industrial loans. Performing residential real estate, home equity and consumer loans are grouped with “Pass” rated loans. Nonperforming residential real estate, home equity and consumer loans are risk rated as “substandard” and individually evaluated.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans rated 1 – 4</b>: Loans rated 1-4 represent groups of loans that are not subject to adverse criticism as defined in regulatory guidance. Loans in these groups exhibit characteristics that represent acceptable risk.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans rated 5</b>: Loans rated 5 are considered “<i>Special Mention</i>” and may exhibit potential credit weaknesses or downward trends and are being monitored by management. Loans in this category are currently protected based on collateral and repayment capacity and do not constitute undesirable credit risk, but have potential weakness that may result in deterioration of the repayment process at some future date. This classification is used if a negative trend is evident in the obligor’s financial situation. Special mention loans do not sufficiently expose the Company to warrant adverse classification.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans rated 6</b>: Loans rated 6 are considered “<i>Substandard</i>.” A loan is classified as substandard if the borrower exhibits a well-defined weakness and may be inadequately protected by the current net worth and cash flow capacity to pay the current debt.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans rated 7</b>: Loans rated 7 are considered “<i>Doubtful</i>.” Loans classified as doubtful have all the weaknesses inherent in those classified substandard with the added characteristic that the weaknesses make collection or liquidation of the loan highly questionable and improbable. The possibility of some loss is extremely high, but because of specific pending factors that may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans rated 8</b>: Loans rated 8 are considered uncollectible. The loss classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off the asset because recovery and collection time may be affected in the future.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On an annual basis, or more often if needed, we formally review the ratings on all commercial real estate and commercial and industrial loans. In addition, management utilizes delinquency reports, the criticized loan report and other loan reports to monitor credit quality. In addition, at least on an annual basis, the Company contracts with an external loan review company to review the internal credit ratings assigned to loans in the commercial loan portfolio on a pre-determined schedule, based on the type, size, rating, and overall risk of the loan. During the course of its review, the third party examines a sample of loans, including new loans, existing relationships over certain dollar amounts and classified assets.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_898_eus-gaap--FinancingReceivableCreditQualityIndicatorsTableTextBlock_zyv7zqMFcAl6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B6_zV2VGGSw4CAk">The following table details the amortized cost balances of the Company’s loan portfolio presented by risk rating</span> and origination year as of the periods presented. In addition, payment activity has been included as an additional credit quality indicator:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_489_eus-gaap--FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_iI_pn3n3_zc1bGsWb64hh" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_481_eus-gaap--FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_iI_pn3n3_zQaqvBsiw2Z3" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_483_eus-gaap--FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_iI_pn3n3_zwj9B5V570Ik" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_484_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_iI_pn3n3_zmFGcmoreFg8" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_484_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_iI_pn3n3_zE5Y3c8EtRsg" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td colspan="2" id="xdx_485_eus-gaap--FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_iI_pn3n3_z4sOV4YQSgj5" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_481_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolving_iI_pn3n3_zM9rhWLAo8yf" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td colspan="2" id="xdx_48E_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_iI_pn3n3_z3EBumM9GHml" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_480_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_mtTotal1_z3wwHULEqGB1" style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Term Loan Origination by Year</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, <br/> <span id="xdx_915_eus-gaap--FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_zQezTBV6pmc4">2023</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span id="xdx_915_eus-gaap--FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_z58BnyRdybS9">2022</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span id="xdx_919_eus-gaap--FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_z6IyWXf5YE9k">2021</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span id="xdx_91E_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_zjXYBhAa2kJ2">2020</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span id="xdx_918_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_zfaJeE49bVL9">2019</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span id="xdx_915_eus-gaap--FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_zGStsrkYM1ll">Prior</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span id="xdx_91D_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolving_zW9QxmLCxti3">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span id="xdx_91A_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_zOxDnPENH0Ga">Revolving Loans Converted to Term Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="34" style="text-align: center">(Dollars in thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Commercial Real Estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_418_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zjyZUt6bNohe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 28%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Pass (Rated 1- 4)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">34,695</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">176,724</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">230,571</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">115,495</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">90,600</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">330,324</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">75,495</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">6,005</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">1,059,909</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_414_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zhOMb0QTlnNh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Special Mention (Rated 5)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2332">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2333">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2334">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">184</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,483</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,994</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">164</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2339">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,825</td><td style="text-align: left"> </td></tr> <tr id="xdx_415_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zZML52MwdWD" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Substandard (Rated 6)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2341">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2342">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2343">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,142</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2345">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,485</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2347">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2348">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">11,627</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_415_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zaoV0azTuiwl" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total commercial real estate loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">34,695</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">176,724</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">230,571</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">123,821</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">93,083</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">339,803</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">75,659</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,005</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,080,361</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_pn3n3_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zu0spq5Mce2g" style="text-align: right" title="Current period gross charge-offs, Prior">414</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zE0D5ksvBDDd" style="text-align: right" title="Current period gross charge-offs">414</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Payment Performance:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_410_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zFpaoIHmKtQh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.375in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">34,695</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">176,724</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">230,571</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">123,821</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">93,083</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">338,141</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">75,659</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,005</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,078,699</td><td style="text-align: left"> </td></tr> <tr id="xdx_417_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_z8jkYmyY0NTf" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.375in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2372">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2373">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2374">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2375">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2376">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,662</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2378">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2379">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,662</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Residential One-to-Four Family:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_412_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zEELy3tZvmDf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">42,352</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">87,316</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">96,136</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">128,473</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">55,057</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">181,613</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">10,301</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2388">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">601,248</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_z6yagL2uRld6" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Substandard</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2390">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">447</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2392">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">336</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2394">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,190</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2396">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2397">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,973</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_419_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zt5Ibhv0DYEj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total residential one-to-four family</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">42,352</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">87,763</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">96,136</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">128,809</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">55,057</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">185,803</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">10,301</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2406">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">606,221</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Payment Performance:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_41B_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zkV9kYdUEWph" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.375in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">42,352</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">87,316</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">96,136</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">128,473</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">55,057</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">182,556</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">10,301</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2415">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">602,191</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zh6L3dwPokr" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.375in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2417">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">447</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2419">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">336</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2421">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,247</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2423">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2424">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,030</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Home Equity:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_416_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_z1cnchJOw761" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,507</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">11,362</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,312</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,614</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,722</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">58,342</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,487</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">107,431</td><td style="text-align: left"> </td></tr> <tr id="xdx_416_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zlusYDKOLNW1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Substandard</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2435">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2436">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2437">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2438">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2439">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2440">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">92</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">38</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">130</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_415_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zuLv1up8hL5c" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total home equity loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,507</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">11,362</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,085</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,312</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,614</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,722</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">58,434</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,525</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">107,561</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Payment Performance:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_419_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zW5UlMFf6Lh6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.375in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,507</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">11,362</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,312</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,614</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,722</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">58,342</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,487</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">107,431</td><td style="text-align: left"> </td></tr> <tr id="xdx_415_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zVFQyrgxl9Xj" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.375in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2462">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2463">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2464">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2465">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2466">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2467">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">92</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">38</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Term Loans Originated by Year</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: right"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, <br/> 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Prior</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving <br/> Loans <br/> Converted to <br/> Term Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td colspan="34" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Commercial and Industrial:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zkLbw3AFwVVl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 28%; text-align: left; padding-left: 0.25in">Pass (Rated 1- 4)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">20,989</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">37,264</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">25,984</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">21,718</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">20,586</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">9,985</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">55,938</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">71</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">192,535</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_41C_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zGjDxyuNhs04" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Special Mention (Rated 5)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2480">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">111</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">157</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2483">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">605</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,268</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2487">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,160</td><td style="text-align: left"> </td></tr> <tr id="xdx_41D_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zFHM7KnPGrgg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Substandard (Rated 6)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2489">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2490">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,506</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,581</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">19</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6,772</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2496">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">16,882</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41B_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zQ8P67b75kve" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total commercial and industrial loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">20,989</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">37,375</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">27,647</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">30,299</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">20,609</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">10,609</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">64,978</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">71</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">212,577</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedFiscalYearBeforeCurrentFiscalYear_iP2custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zPTrTyv3fkPg" style="text-align: right" title="Current period gross charge-offs, 2022">147</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zU0Vk2PEQ9ai" style="text-align: right">221</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_iP3custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z98cUlpI3NX8" style="text-align: right" title="Current period gross charge-offs, Revolving Loans Converted to Term Loans">1,193</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zFp7ctuY85X5" style="text-align: right">1,561</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Payment Performance:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_411_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zw0s6CmqWY5j" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.375in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">20,989</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">37,375</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">27,647</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">30,299</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">20,609</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">10,601</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">64,527</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">71</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">212,118</td><td style="text-align: left"> </td></tr> <tr id="xdx_411_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zbrypeZx0Aw" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.375in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2522">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2523">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2524">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2525">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2526">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">451</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2529">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">459</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Consumer:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_41F_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_ztJPoc5Xh1Yh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,097</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,633</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">596</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">322</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">101</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">209</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">784</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2538">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,742</td><td style="text-align: left"> </td></tr> <tr id="xdx_413_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zFMboBWPWRRf" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Substandard</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2540">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2541">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2542">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2543">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2544">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">26</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2546">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2547">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">26</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41A_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zKEU0Lr5QDFe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total consumer loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,097</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,633</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">596</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">322</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">101</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">235</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">784</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2556">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,768</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolving_iP2custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zWBpx0v0bKV6" style="text-align: right" title="Current period gross charge-offs, Revolving Loans">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zjsv2l13xgm3" style="text-align: right">113</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z3d5ew4kKrH1" style="text-align: right">116</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Payment Performance:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_415_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zdrOj472Bysk" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.375in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,097</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,633</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">596</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">322</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">101</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">227</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">783</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2569">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,759</td><td style="text-align: left"> </td></tr> <tr id="xdx_413_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_z6u9BLsBxjGf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.375in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2571">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2572">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2573">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2574">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2575">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2578">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following table presents our loans by risk rating as of December 31, 2022 Pre-ASC 326 CECL adoption:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49B_20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zn2kAOCInqPg" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial Real <br/> Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49F_20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zWVDjILfFvg2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential <br/> 1-4 Family</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_490_20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zI8h7WEoGqvb" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Home <br/> Equity</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_491_20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zhcFRIBmpkp9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> and Industrial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49E_20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z9plBwA6gOsi" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_492_20221231_zhimjXv8mVwj" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="22" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; padding-bottom: 1pt; font-weight: bold; text-indent: -0.125in"><span style="text-decoration: underline">December 31, 2022</span></td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: right"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr id="xdx_408_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zPU4DSqUZoo3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 22%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Pass (Rated 1 - 4)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,036,337</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">585,292</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">105,248</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">193,415</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">5,027</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,925,319</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zOonW8uyuouf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Special Mention (Rated 5)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,035</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2589">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2590">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,623</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2592">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,658</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zMabHm1c6BCj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Substandard (Rated 6)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">16,951</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,211</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">309</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">20,810</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">18</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">42,299</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_zwSn2pcIAdK7" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.375in">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,069,323</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">589,503</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">105,557</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">219,848</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,045</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231_zORG0QFV81w2" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans">1,989,276</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A1_zFXO0MrDl7Fl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p> <p id="xdx_890_eus-gaap--ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_zF1Fo0coIgMf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B2_z54F9OX3sHd8">Major classifications of loans as of the dates indicated were as follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; border-collapse: collapse; width: 90%"> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_490_20230930_zKGbNzN0722" style="font-weight: bold; text-align: center">September 30,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" id="xdx_490_20221231_zwu1mdj3Dq6l" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="text-indent: -0.125in; padding-left: 0.125in; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_z1kUhj5bgoG5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 74%; font-weight: bold; text-align: left; padding-left: 0.125in">Commercial real estate</td><td style="text-indent: -0.125in; padding-left: 0.125in; width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,080,361</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,069,323</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in"> </td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: 0pt; text-align: left; padding-left: 0pt"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0pt 0pt 0.25in; text-indent: -0.25in"></p><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Residential real estate:</b></span></p></td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zzBdZ6Nt9hud" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Residential one-to-four family</td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td style="text-align: left"> </td><td style="text-align: right">606,221</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">589,503</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zskg1O65wFB7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Home equity</td><td style="text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">107,561</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">105,557</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zYAcpIbQbH6" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Total residential real estate</td><td style="text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">713,782</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">695,060</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Commercial and industrial:</td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialAndIndustrialPaycheckProtectionProgramMember_zbTbO6fiGEcg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Paycheck Protection Program (“PPP”) loans</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,415</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,274</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialAndIndustrialMember_zM0xaBZ3ul9c" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Commercial and industrial</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">211,162</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">217,574</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zmNkSwpdyHKh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Total commercial and industrial</td><td style="text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">212,577</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">219,848</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zdm3wsCmym8g" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 1pt; padding-left: 0.125in">Consumer</td><td style="text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,768</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">5,045</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_maFREAIzHYT_zFJjTUaMPLTb" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.25in">Total gross loans</td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td style="text-align: left"> </td><td style="text-align: right">2,012,488</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,989,276</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--FinancingReceivableUnamortizedLoanFeeCost_iI_pn3n3_maFREAIzHYT_z5mqYDGWDf6d" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Unamortized PPP loan fees</td><td style="text-indent: -0.125in; padding-left: 0.125in"> </td> <td style="text-align: left"> </td><td style="text-align: right">(70</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(109</td><td style="text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--FinancingReceivableUnamortizedPurchasePremiumDiscount_iI_pn3n3_maFREAIzHYT_zerUQX0Y8GB3" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Unearned premiums and deferred loan fees and costs, net</td><td style="text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,402</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,233</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_iTI_pn3n3_mtFREAIzHYT_maFREAIzwLv_za3I3srt9rS" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Total loans, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,014,820</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,991,400</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iNI_pn3n3_di_msFREAIzwLv_zH4bfeiDBnB" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance for credit losses<sup id="xdx_F48_zep1qOirgl7g">(1)</sup></span></td><td style="text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(19,978</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(19,931</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_401_eus-gaap--FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_iTI_pn3n3_mtFREAIzwLv_zaYktHnGj6Kd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Net loans</td><td style="text-indent: -0.125in; padding-left: 0.125in; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,994,842</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,971,469</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <div style="margin-left: 0.5in; margin-top: 0pt; margin-bottom: 0pt; width: 20%"><div style="border-top: Black 1pt solid; font-size: 1pt"> </div></div> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"></td><td style="width: 0.25in"><span id="xdx_F0B_zjZrVIqvR5L9" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td><td style="text-align: justify"><span id="xdx_F13_z8prSxsXvfK4" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company adopted ASU 2016-13 on January 1, 2023 with a modified retrospective approach. Accordingly, beginning at January 1, 2023, the allowance for credit losses was determined in accordance with ASC 326, “<i>Financial Instruments-Credit Losses</i>.”</span></td></tr></table> 1080361000 1069323000 606221000 589503000 107561000 105557000 713782000 695060000 1415000 2274000 211162000 217574000 212577000 219848000 5768000 5045000 2012488000 1989276000 -70000 -109000 2402000 2233000 2014820000 1991400000 19978000 19931000 1994842000 1971469000 65600000 70500000 1 0.1001 0.0025 83.75 277000 2000 74400000 79300000 144000 158000 <p id="xdx_892_eus-gaap--ScheduleOfServicingAssetsAtAmortizedValueTextBlock_z1ZlUCksVCSb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BB_zWZQNccVFMVf">A summary of the activity in the balances of mortgage servicing rights follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49E_20230701__20230930_zYaja7oQycRk" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Three Months Ended </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, 2023</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49A_20230101__20230930_z7cI8GjxnY11" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nine Months Ended</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, 2023</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: center; text-indent: -0.125in"> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: center; text-indent: -0.125in"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_40C_eus-gaap--ServicingAssetAtAmortizedValue_iS_pn3n3_uUSD_zjQ0DTd3NFD9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 60%; font-weight: bold; text-align: left; padding-left: 0.125in">Balance at the beginning of period:</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">480</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">550</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--ServicingAssetAtAmortizedValueAmortization1_iN_pn3n3_di_uUSD_z3WvQSyxHTX1" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Amortization</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(35</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(105</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_409_eus-gaap--ServicingAssetAtAmortizedValue_iE_pn3n3_uUSD_zjHFVaZGWlNi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Balance at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">445</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">445</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--ServicingAssetAtFairValueAmount_iE_pn3n3_uUSD_zCWMumWXCnf6" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Fair value at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">745</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">745</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 480000 550000 35000 105000 445000 445000 745000 745000 9000 -4000 918000 <p id="xdx_894_eus-gaap--ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_zQJFMLOIzXQ7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BE_zPW7jh3QN6q9">The following table illustrates the impact of ASC 326:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49E_20221231_zkY1c54SIis6" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Pre-ASC 326 <br/> Adoption</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.5pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, <br/> 2022</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_497_20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_zpTaL2ZHiPI1" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>As Reported <br/> Under ASC 326</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>January 1, 2023</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49C_20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_zRV5BYye00ng" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Impact of ASC <br/> 326 Adoption</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in"> </td><td> </td> <td colspan="10" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in"> </td><td> </td> <td colspan="10" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; font-weight: bold; text-indent: -0.125in; padding-left: 0.125in">Assets</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_zG126yUrwM3a" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-indent: -0.125in; padding-left: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans<sup id="xdx_F46_zDRbiPO0nfq9">(1)</sup></span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,989,276</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,991,389</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">2,113</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iNI_pn3n3_di_z1fACR6aeerg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance for credit losses on loans<sup id="xdx_F46_zI7RDocGYDIf">(2)</sup></span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(19,931</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(21,113</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,182</td><td style="text-align: left">)</td></tr> <tr id="xdx_40D_eus-gaap--DeferredIncomeTaxAssetsNet_iI_pn3n3_zXMXec6Zlg88" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Deferred tax asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15,027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15,023</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(4</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; font-weight: bold; text-indent: -0.125in; padding-left: 0.125in">Liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--OffBalanceSheetCreditLossLiability_iNI_pn3n3_di_zBmNJXMI9315" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Allowance for credit losses on off-balance sheet exposures</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1755">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(918</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(918</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: 0pt; padding-left: 0pt"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline">Shareholders’ Equity</span></b></span></p></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--RetainedEarningsAccumulatedDeficit_iNI_pn3n3_di_zDxYBZu4o9Ze" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Retained earnings, net of tax</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(127,982</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(127,991</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(9</td><td style="text-align: left">)</td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <div style="margin-left: 0pt; margin-top: 0pt; margin-bottom: 0pt; width: 20%"><div style="border-top: Black 1pt solid; font-size: 1pt"> </div></div> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in"><span id="xdx_F0F_zYtLz8tkzlJ7" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td><td style="text-align: justify"><span id="xdx_F13_z2j0K7GXdS3f" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase credit deteriorated (“PCD loans”) gross up of cost basis of loans totaled $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_902_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3p0_c20221231__us-gaap--CreditLossStatusAxis__us-gaap--FinancialAssetAcquiredWithCreditDeteriorationMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zrv7U5yVq6X8" title="Total loans">422,000</span> for commercial real estate loans and $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_902_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3p0_c20221231__us-gaap--CreditLossStatusAxis__us-gaap--FinancialAssetAcquiredWithCreditDeteriorationMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z1aH46CxLzx9">1,691,000</span> for commercial and industrial loans.</span></td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in"><span id="xdx_F0F_zisw2nsPCSO1" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</span></td><td style="text-align: justify"><span id="xdx_F10_zzz6K3jYNUC5" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Increase to allowance for credit losses on loans of $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_90E_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iI_pn3p0_c20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember__us-gaap--CreditLossStatusAxis__us-gaap--FinancialAssetAcquiredWithCreditDeteriorationMember_z23easHTyMl1" title="Allowance for credit losses on loans">2,113,000</span> for PCD loans gross up and a decrease of $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_906_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iI_pn3p0_dxL_c20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember__us-gaap--CreditLossStatusAxis__us-gaap--FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember_zbckIFyR6pVj" title="Allowance for credit losses on loans::XDX::-931000"><span style="-sec-ix-hidden: xdx2ixbrl1770">931,000</span></span> for pooled loans through retained earnings.</span></td></tr></table> 1989276000 1991389000 2113000 19931000 21113000 1182000 15027000 15023000 -4000 918000 918000 127982000 127991000 9000 422000 1691000 2113000 7300000 0.97 0.90 0.85 0.80 0.85 <p id="xdx_899_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_zmjXDe8tg2S4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B1_zLQcWB6Csz33">An analysis of changes in the allowance for credit losses by segment for the three and nine months ended September 30, 2023 and the allowance for credit losses for the three and nine months ended September 30, 2022 is as follows:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialRealEstateMember_zFkSz9Iuv0A1" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B4_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ResidentialPortfolioSegmentMember_zIBRBHpXBaEh" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialAndIndustrialSectorMember_zHQO8XtW7I4d" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> and <br/> Industrial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_zCF44R5N6iwa" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B0_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_custom--UnallocatedMember_zIx90XALYZ06" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unallocated</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BC_zLyGnFNfMie7" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="22" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_43B_c20230701__20230930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zxEjVmyi7b68" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 34%; font-weight: bold; text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Balance at June, 2023</b><sup id="xdx_F4F_zm2V1P3QMAs3">(2)</sup></span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">15,752</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">2,356</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">1,487</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">52</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1786">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">19,647</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_43F_c20230701__20230930_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zjYpzJJ1oN78" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Provision (reversal) for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(188</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">551</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">15</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1793">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">409</td><td style="text-align: left"> </td></tr> <tr id="xdx_437_c20230701__20230930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zYNSRDg6nuVi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1796">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1797">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(147</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(46</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1800">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(193</td><td style="text-align: left">)</td></tr> <tr id="xdx_435_c20230701__20230930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zP2VIWYKzQS7" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">9</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">77</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">27</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1807">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">115</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_432_c20230701__20230930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_z06FEfQngPhi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Balance at September 30, 2023</b><sup id="xdx_F43_zGHME621lVZd">(2)</sup></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,573</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,389</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,968</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">48</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1814">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">19,978</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_430_c20230101__20230930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zREoiWytC9ff" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Balance at December 31, 2022</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">12,199</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">4,312</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,160</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">245</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">15</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">19,931</td><td style="text-align: left"> </td></tr> <tr id="xdx_43A_c20230101__20230930__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zq5ANSeJ6FI2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cumulative effect of change in accounting principle<sup id="xdx_F4D_z1WtPdSolrC7">(1)</sup></span></td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,989</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(2,518</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(75</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(199</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(15</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,182</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_436_c20230101__20230930__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zw6YfXFo4rz7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Adjusted Beginning Balance</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">16,188</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,794</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">46</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1835">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_c20230101__20230930__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_z1NCCOm0PER2" style="text-align: right" title="Beginning balance, allowance for credit losses">21,113</td><td style="text-align: left"> </td></tr> <tr id="xdx_43A_c20230101__20230930_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zZ04rA1btHT6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Provision (reversal) for credit losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(211</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">570</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">348</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">61</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1844">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">768</td><td style="text-align: left"> </td></tr> <tr id="xdx_434_c20230101__20230930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zT6NE2DV3Vy3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(414</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1848">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,561</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(116</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1851">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,091</td><td style="text-align: left">)</td></tr> <tr id="xdx_43B_c20230101__20230930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zWUhQwynTCD2" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">10</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">25</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">96</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">57</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1858">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">188</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_430_c20230101__20230930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_z9tN01XsExh8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Balance at September 30, 2023</b><sup id="xdx_F44_z6hKNHH5Pdt7">(2)</sup></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,573</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,389</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,968</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">48</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1865">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_c20230101__20230930_fKDIp_zYbBULhfr9Z8" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance, allowance for credit losses">19,978</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialRealEstateMember_zJncBSNpOv9a" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B4_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ResidentialPortfolioSegmentMember_zyFXR2KirjAb" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialAndIndustrialSectorMember_z6pH1iQ5vwbl" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> and <br/> Industrial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_z4EifZaCgwqd" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B0_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_custom--UnallocatedMember_zP4xR09ZzEg6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unallocated</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BC_zBYz1UWXazEi" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="22" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_431_c20230101__20230930_eus-gaap--OffBalanceSheetCreditLossLiabilityAbstract_iB_zxn1742Ms3Gb" style="vertical-align: bottom"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Allowance for credit losses for off-balance sheet exposures</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_43B_c20230701__20230930_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_z9GJMeXY2Yrl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 34%; font-weight: bold; padding-left: 0.125in">Balance at June 30, 2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">395</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">163</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">33</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1880">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1881">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">591</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_437_c20230701__20230930_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3n3_zDaaQabzvaj4" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">(Reversal of) provision for credit losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(79</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">20</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1887">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1888">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(55</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_439_c20230701__20230930_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_zVmzoW8nQtX3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Balance at September 30, 2023</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">316</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">167</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">53</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1894">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1895">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">536</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_431_c20230101__20230930_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_z5WG3ZX14JT2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Balance at December 31, 2022</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1898">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1899">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1900">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1901">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1902">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1903">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_438_c20230101__20230930__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_eus-gaap--OffBalanceSheetCreditLossLiability_iS_pn3n3_zMiTUxhg8295" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Cumulative effect of change in accounting principle</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">611</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">267</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1908">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1909">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--OffBalanceSheetCreditLossLiability_iS_c20230101__20230930__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember_zOfRgYoDR2ag" style="text-align: right" title="Beginning balance">918</td><td style="text-align: left"> </td></tr> <tr id="xdx_432_c20230101__20230930_eus-gaap--OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal_pn3n3_zYrR9eg46UU3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Reversal of credit losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(295</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(100</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">13</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1917">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1918">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(382</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_433_c20230101__20230930_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_z6EPwHur1kng" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Balance at September 30, 2023</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">316</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">167</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">53</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1924">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1925">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--OffBalanceSheetCreditLossLiability_iE_pn3n3_c20230101__20230930_zmnqQ5Cmxb4d" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance">536</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <div style="margin-left: 0pt; margin-top: 0pt; margin-bottom: 0pt; width: 20%"><div style="border-top: Black 1pt solid; font-size: 1pt"> </div></div> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0pt"></td><td style="width: 0.25in"><span id="xdx_F04_z7F4B11GYcMe" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td><td style="text-align: justify"><span id="xdx_F14_zzD6IiAbJPDj" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Represents the net adjustment needed to reflect the cumulative day one impact pursuant to the Company’s adoption of ASU 2016-13 (i.e., cumulative effect adjustment related to the adoption of ASU 2016-13 as of January 1, 2023). The adjustment represents a $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_90C_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iI_pn3p0_dxL_c20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember__us-gaap--CreditLossStatusAxis__us-gaap--FinancialAssetOtherThanFinancialAssetAcquiredWithCreditDeteriorationMember_zyUMphl47334" title="Allowance for credit losses on loans::XDX::-931000"><span style="-sec-ix-hidden: xdx2ixbrl1931">931,000</span></span> decrease to the allowance for loans attributable to the change in accounting methodology for estimating the allowance for credit losses resulting from the Company’s adoption of the standard. The adjustment also includes the adjustment needed to reflect the day one reclassification of the Company’s PCI loan balances to PCD loan balances and the associated gross-up of $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_902_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iI_pn3p0_c20221231__srt--CumulativeEffectPeriodOfAdoptionAxis__srt--CumulativeEffectPeriodOfAdoptionAdjustmentMember__us-gaap--CreditLossStatusAxis__us-gaap--FinancialAssetAcquiredWithCreditDeteriorationMember_zwlIXN55kdG" title="Allowance for credit losses on loans">2,113,000</span>, pursuant to the Company’s adoption of ASU 2016-13.</span></td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0pt"></td><td style="width: 0.25in"><span id="xdx_F03_zL7Twcvj4HHk" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(2)</span></td><td style="text-align: justify"><span id="xdx_F1A_ze9Tcr9oUM7f" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The balance of $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_902_eus-gaap--FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_iI_pn5n6_c20230930_z7xos4rxdXBk" title="Accrued interest receivable">7.3</span> million and $<span class="xdx_phnt_RGlzY2xvc3VyZSAtIExPQU5TIEFORCBBTExPV0FOQ0UgRk9SIENSRURJVCBMT1NTRVMgKERldGFpbHMgTmFycmF0aXZlKQA_" id="xdx_90B_eus-gaap--FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_iI_pn5n6_c20230630_z6zWmynQmYu2" title="Accrued interest receivable">6.8</span> million in accrued interest receivable is excluded from amortized cost and the calculation of the allowance for credit losses at September 30, 2023 and June 30, 2023, respectively.</span></td></tr></table> 15752000 2356000 1487000 52000 19647000 -188000 31000 551000 15000 409000 147000 46000 193000 9000 2000 77000 27000 115000 15573000 2389000 1968000 48000 19978000 12199000 4312000 3160000 245000 15000 19931000 3989000 -2518000 -75000 -199000 -15000 1182000 16188000 1794000 3085000 46000 21113000 21113000 -211000 570000 348000 61000 768000 414000 1561000 116000 2091000 10000 25000 96000 57000 188000 15573000 2389000 1968000 48000 19978000 19978000 395000 163000 33000 591000 -79000 4000 20000 -55000 316000 167000 53000 536000 611000 267000 40000 918000 918000 -295000 -100000 13000 -382000 316000 167000 53000 536000 536000 2113000 7300000 6800000 354000 409000 -55000 -55000 -6700000 -0.037 386000 768000 -382000 -382000 -36200000 <p id="xdx_89F_ecustom--ScheduleOfInformationPertainingToAllowanceForLoanLossesBySegment_zRuujtbMBBB1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B6_zhtg8LfGcOak">The following tables presents information pertaining to the allowance for credit losses by segment Pre-ASC 326 CECL adoption for the date indicated:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialRealEstateMember_z8b7c3B9xaId" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B4_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ResidentialPortfolioSegmentMember_z5SUnIMPewab" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialAndIndustrialSectorMember_zQmz8LkuMh7i" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> and <br/> Industrial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_zUvafBIO9pBc" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B0_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_custom--UnallocatedMember_zQTC1xQ01yn8" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unallocated</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BC_zn8Yzv5r6Woh" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td colspan="22" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_439_c20220701__20220930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_z47ukBgDIj0l" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 34%; font-weight: bold; padding-left: 0.125in">Balance at June 30, 2022</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">12,483</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">4,164</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">2,686</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">210</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">17</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 8%; text-align: right">19,560</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_431_c20220701__20220930_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zeJYgw0ZVxxg" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Provision (credit)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">68</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">86</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">481</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">53</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(13</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">675</td><td style="text-align: left"> </td></tr> <tr id="xdx_439_c20220701__20220930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zXOkc7CWE3ab" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1977">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1978">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1979">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(59</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1981">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(59</td><td style="text-align: left">)</td></tr> <tr id="xdx_438_c20220701__20220930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zUIdVrqwRKfd" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1984">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1985">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">18</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1988">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">32</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_43A_c20220701__20220930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_zLHmIl7eq0O4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Balance at September 30, 2022</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">12,551</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,250</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,181</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">222</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">20,208</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_434_c20220101__20220930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_zOXpW6Gi2rp2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Balance at December 31, 2021</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">12,970</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,964</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,643</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">197</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">13</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iS_pn3n3_c20220101__20220930_zCbuXwHgz4h9" style="text-align: right" title="Beginning balance, allowance for credit losses">19,787</td><td style="text-align: left"> </td></tr> <tr id="xdx_43F_c20220101__20220930_eus-gaap--FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_pn3n3_zOLlGhvR0rA2" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Provision (credit)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(382</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">282</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">538</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(9</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">550</td><td style="text-align: left"> </td></tr> <tr id="xdx_43D_c20220101__20220930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iN_pn3n3_di_zVNSbG0V4XLg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(37</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(27</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(22</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(145</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2018">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(231</td><td style="text-align: left">)</td></tr> <tr id="xdx_435_c20220101__20220930_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_pn3n3_zzp5eB1yJzg5" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2021">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">31</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">22</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">49</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2025">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">102</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_43D_c20220101__20220930_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_z34eBFuHlie6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Balance at September 30, 2022</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">12,551</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,250</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,181</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">222</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iE_pn3n3_c20220101__20220930_z61j6DEz1e6i" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance, allowance for credit losses">20,208</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialRealEstateMember_zyfOWuGTv4Te" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B4_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ResidentialPortfolioSegmentMember_zhFD0TIkVft5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BB_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--CommercialAndIndustrialSectorMember_zkhUNwmlGsdl" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> and <br/> Industrial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B1_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_us-gaap--ConsumerLoanMember_z8geDbENB2Z8" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4B0_us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_custom--UnallocatedMember_zp7z8wBwRu8f" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unallocated</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_4BC_zTrq6Wsxi8hf" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="22" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; padding-bottom: 1pt; font-weight: bold; text-indent: -0.125in"><span style="text-decoration: underline">December 31, 2022</span></td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr id="xdx_43F_c20221231_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_zxe9kOMpRawc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Amount of allowance for impaired loans</td><td> </td> <td style="text-align: left">$</td> <td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2037">—</span></td><td> </td><td> </td> <td style="text-align: left">$</td> <td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2038">—</span></td><td> </td><td> </td> <td style="text-align: left">$</td> <td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2039">—</span></td><td> </td><td> </td> <td style="text-align: left">$</td> <td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2040">—</span></td><td> </td><td> </td> <td style="text-align: left">$</td> <td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2041">—</span></td><td> </td><td> </td> <td style="text-align: left">$</td> <td id="xdx_985_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_maTotalAllow_c20221231_zPW7m1HPs6sk" style="text-align: right" title="Amount of allowance for impaired loans"><span style="-sec-ix-hidden: xdx2ixbrl2042"><span style="-sec-ix-hidden: xdx2ixbrl2044">—</span></span></td><td> </td></tr> <tr id="xdx_43A_c20221231_eus-gaap--FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_iI_pn3n3_zXrUTHSrne98" style="vertical-align: bottom; background-color: White"> <td style="width: 34%; text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in">Amount of allowance for non-impaired loans</td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 8%; text-align: right">12,199</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 8%; text-align: right">4,312</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 8%; text-align: right">3,160</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 8%; text-align: right">245</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td style="border-bottom: Black 1pt solid; width: 8%; text-align: right">15</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_iI_pn3n3_maTotalAllow_c20221231_zi8BzFpWHNOi" style="border-bottom: Black 1pt solid; width: 8%; text-align: right" title="Amount of allowance for non-impaired loans">19,931</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_433_c20221231_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iTI_pn3n3_zJ1hn0Bq2GBj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.25in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in">Total allowance for credit losses</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">12,199</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,312</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,160</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">245</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_iTI_pn3n3_mtTotalAllow_c20221231_z0Pcknug16C5" style="border-bottom: Black 2.5pt double; text-align: right" title="Total allowance for loan losses">19,931</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_43D_c20221231_ecustom--ImpairedFinancingReceivable_iI_pn3n3_zkaeGiV5EWob" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Impaired loans</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">9,178</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,623</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">407</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2067">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2068">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_ecustom--ImpairedFinancingReceivable_iI_pn3n3_maTotalLoan_c20221231_zeArygil59j4" style="text-align: right" title="Impaired loans">13,208</td><td style="text-align: left"> </td></tr> <tr id="xdx_436_c20221231_ecustom--NonImpairedFinancingReceivable_iI_pn3n3_z08BXnqDnk9c" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Non-impaired loans</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,056,886</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">689,776</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">219,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,045</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2077">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--NonImpairedFinancingReceivable_iI_pn3n3_maTotalLoan_c20221231_zcFf2cJR1XV4" style="text-align: right" title="Non-impaired loans">1,970,870</td><td style="text-align: left"> </td></tr> <tr id="xdx_43D_c20221231_ecustom--ImpairedFinancingReceivableAcquiredWithDeterioratedCreditQuality_iI_pn3n3_z3IZQdewpVcd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in">Impaired loans acquired with deteriorated credit quality</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,259</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,661</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">278</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2085">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2086">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_ecustom--ImpairedFinancingReceivableAcquiredWithDeterioratedCreditQuality_iI_pn3n3_maTotalLoan_c20221231_zjjNTAUlpzZ1" style="border-bottom: Black 1pt solid; text-align: right" title="Impaired loans acquired with deteriorated credit quality">5,198</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.25in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iTI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zi6WgeMIjL19" style="border-bottom: Black 2.5pt double; text-align: right">1,069,323</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iTI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zozpBOJuC8cc" style="border-bottom: Black 2.5pt double; text-align: right">695,060</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iTI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zAeWfTKl3sfj" style="border-bottom: Black 2.5pt double; text-align: right">219,848</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iTI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zTw8ixz1sCbf" style="border-bottom: Black 2.5pt double; text-align: right">5,045</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iTI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--UnallocatedMember_zBpkcHtT0Kt6" style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2094">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iTI_pn3n3_mtTotalLoan_c20221231_z8EMBjmW02xj" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans">1,989,276</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 12483000 4164000 2686000 210000 17000 19560000 68000 86000 481000 53000 -13000 675000 59000 59000 14000 18000 32000 12551000 4250000 3181000 222000 4000 20208000 12970000 3964000 2643000 197000 13000 19787000 19787000 -382000 282000 538000 121000 -9000 550000 37000 27000 22000 145000 231000 31000 22000 49000 102000 12551000 4250000 3181000 222000 4000 20208000 20208000 12199000 4312000 3160000 245000 15000 19931000 19931000 12199000 4312000 3160000 245000 15000 19931000 19931000 9178000 3623000 407000 13208000 13208000 1056886000 689776000 219163000 5045000 1970870000 1970870000 3259000 1661000 278000 5198000 5198000 1069323000 695060000 219848000 5045000 1989276000 <p id="xdx_89F_eus-gaap--PastDueFinancingReceivablesTableTextBlock_zx6NofGIjzE6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B2_ziIuhXV6aa2e">The following tables present an age analysis of past due loans as of the dates indicated:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">30 – 59 <br/> Days Past <br/> Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">60 – 89 <br/> Days Past <br/> Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">90 Days <br/> or  More <br/> Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Past Due <br/> Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Current <br/> Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual <br/> Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: center; text-indent: -0.125in"> </td><td> </td> <td colspan="26" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; padding-bottom: 1pt; font-weight: bold; text-indent: -0.125in"><span style="text-decoration: underline">September 30, 2023</span></td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: right"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; width: 30%; text-align: left; text-indent: -0.125in">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zSH05jWFtLbk" style="width: 7%; text-align: right">940</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zoCjoJxGTSB2" style="width: 7%; text-align: right">92</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zCBXIzAF3nna" style="width: 7%; text-align: right">595</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zp12dT77xC6c" style="width: 7%; text-align: right">1,627</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zcJDBeax5JI3" style="width: 7%; text-align: right">1,078,734</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zsGddwX0ueU" style="width: 7%; text-align: right">1,080,361</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_z9myRZbBhvF" style="width: 7%; text-align: right">1,662</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zEirYx06lWs" style="text-align: right">2,539</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zFwLJeZgyMch" style="text-align: right">266</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zleNuoyCgrYa" style="text-align: right">683</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zD9SUTYNhMB3" style="text-align: right">3,488</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zSBwFENoaLdi" style="text-align: right">602,733</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zfywrf8ESkB" style="text-align: right">606,221</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zeaDkcOFMUe2" style="text-align: right">4,030</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.25in; text-align: left; padding-bottom: 1pt; text-indent: -0.125in">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z9KBMBkxtSlk" style="border-bottom: Black 1pt solid; text-align: right">83</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zC9jDJFIr8Y8" style="border-bottom: Black 1pt solid; text-align: right">100</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zjeJRdCWxIag" style="border-bottom: Black 1pt solid; text-align: right">13</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zV8unlU4kMN1" style="border-bottom: Black 1pt solid; text-align: right">196</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zPu6TE5BCRMl" style="border-bottom: Black 1pt solid; text-align: right">107,365</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_z10VMuLD5cl9" style="border-bottom: Black 1pt solid; text-align: right">107,561</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zPfyWqS7bfk5" style="border-bottom: Black 1pt solid; text-align: right">130</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.375in">Total:</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zyPdEjbTYgYg" style="border-bottom: Black 1pt solid; text-align: right">2,622</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zHEz1WaKyDq2" style="border-bottom: Black 1pt solid; text-align: right">366</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zveuqTsMzRbe" style="border-bottom: Black 1pt solid; text-align: right">696</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_za84h3pb0Jbd" style="border-bottom: Black 1pt solid; text-align: right">3,684</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zz2FH5FT4GW7" style="border-bottom: Black 1pt solid; text-align: right">710,098</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zMl816zFV122" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans">713,782</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zJXhawJ6wtO1" style="border-bottom: Black 1pt solid; text-align: right" title="Non-Accrual Loans">4,160</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zLQbJaKB9oL1" style="text-align: right">75</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zR5ulvyVWdO3" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2130">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zeJxo7tXGCnh" style="text-align: right">236</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zQdSGMEaSlah" style="text-align: right">311</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zVPRKvwttL22" style="text-align: right">212,266</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z2InFKUibaBg" style="text-align: right">212,577</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zwgrF8qOgxM6" style="text-align: right">459</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; padding-bottom: 1pt; text-indent: -0.125in">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zfiFuoR6XF1f" style="border-bottom: Black 1pt solid; text-align: right">2</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z39aPSILtTr4" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2137">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zEsTNFU00IMl" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2138">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zojw4SJ2v4v4" style="border-bottom: Black 1pt solid; text-align: right">2</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zqekwLYJjQY4" style="border-bottom: Black 1pt solid; text-align: right">5,766</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zsUzHaDKT4f2" style="border-bottom: Black 1pt solid; text-align: right">5,768</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z53MtvfU98dd" style="border-bottom: Black 1pt solid; text-align: right">9</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-align: left; padding-bottom: 2.5pt; text-indent: 0pt"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt"></p><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt; text-indent: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total loans</b></span></p></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_znV4FILba1w1" style="border-bottom: Black 2.5pt double; text-align: right">3,639</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zaqvA5kqilhh" style="border-bottom: Black 2.5pt double; text-align: right">458</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zCDrEsbE1qv6" style="border-bottom: Black 2.5pt double; text-align: right">1,527</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zGBXTVxtr9Fl" style="border-bottom: Black 2.5pt double; text-align: right">5,624</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zvxyx1KyEamc" style="border-bottom: Black 2.5pt double; text-align: right">2,006,864</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20230930_zfDaY79Ip6o6" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans">2,012,488</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20230930_zWoKptAEsGi" style="border-bottom: Black 2.5pt double; text-align: right" title="Non-Accrual Loans">6,290</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; padding-left: 0.125in; font-weight: bold; text-indent: -0.125in">December 31, 2022</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in">Commercial real estate</td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zPPwAd3ESeh4" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2152">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zi1dab9WbT5" style="text-align: right">211</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zN0Y9jsBxrX7" style="text-align: right">1,404</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zvN2Glr7nGuj" style="text-align: right">1,615</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zVdn9cRHy3a4" style="text-align: right">1,067,708</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zOlL9qGRtP4h" style="text-align: right">1,069,323</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zu4htCCza4ah" style="text-align: right">1,933</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z8BNQFosIe48" style="text-align: right">1,768</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zoS9oqtPqbMc" style="text-align: right">100</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zI1raId0AV6e" style="text-align: right">414</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zmuzwjWSb4qg" style="text-align: right">2,282</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zzz4uftXPrE6" style="text-align: right">587,221</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zXFCBuIzbo6f" style="text-align: right">589,503</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zR0OggOcgsYl" style="text-align: right">3,290</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Home equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zFQBLtiofVQ6" style="border-bottom: Black 1pt solid; text-align: right">209</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z1iGenqfIgVl" style="border-bottom: Black 1pt solid; text-align: right">97</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zxRZUg3eIiM2" style="border-bottom: Black 1pt solid; text-align: right">51</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zymIES6QyN3a" style="border-bottom: Black 1pt solid; text-align: right">357</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zbQS1T8dTkR5" style="border-bottom: Black 1pt solid; text-align: right">105,200</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zs4DQ7iNYPod" style="border-bottom: Black 1pt solid; text-align: right">105,557</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zPlsoNo4A7J6" style="border-bottom: Black 1pt solid; text-align: right">181</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.375in">Total:</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zD2aXLjxatH6" style="border-bottom: Black 1pt solid; text-align: right">1,977</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zYTq0xqD9kyk" style="border-bottom: Black 1pt solid; text-align: right">197</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zVHBSVsys3Gl" style="border-bottom: Black 1pt solid; text-align: right">465</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zLzYJGHQtyg5" style="border-bottom: Black 1pt solid; text-align: right">2,639</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zYu26wSATV34" style="border-bottom: Black 1pt solid; text-align: right">692,421</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zkTQfVQA8lH" style="border-bottom: Black 1pt solid; text-align: right">695,060</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialPortfolioSegmentMember_zjISqgk1yVlf" style="border-bottom: Black 1pt solid; text-align: right">3,471</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zQKzoh0KAeOj" style="text-align: right">170</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z1FYQKJbtO6h" style="text-align: right">10</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zWozbUSWEyRj" style="text-align: right">22</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zj68EyHUUVs7" style="text-align: right">202</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z3EwHp2hvEUd" style="text-align: right">219,646</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zIp2qIvFL76c" style="text-align: right">219,848</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zu2bS3Kbobli" style="text-align: right">290</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; padding-bottom: 1pt; text-indent: -0.125in">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z6meV9JR5L2f" style="border-bottom: Black 1pt solid; text-align: right">13</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zrRwKYhiko7l" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2188">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zR2pDV4DWdE7" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2189">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zqTNNyoS8bpb" style="border-bottom: Black 1pt solid; text-align: right">13</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zHdwOqWWGTab" style="border-bottom: Black 1pt solid; text-align: right">5,032</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zlD60s271xJ5" style="border-bottom: Black 1pt solid; text-align: right">5,045</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zxDnt9SiGWtb" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2193">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_z5jqdeKHeMi9" style="border-bottom: Black 2.5pt double; text-align: right">2,160</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zdfMGaSqv0e6" style="border-bottom: Black 2.5pt double; text-align: right">418</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zbl8cYupcgw7" style="border-bottom: Black 2.5pt double; text-align: right">1,891</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zdwUWQJtZ2Ch" style="border-bottom: Black 2.5pt double; text-align: right">4,469</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zVA0gR4KMixa" style="border-bottom: Black 2.5pt double; text-align: right">1,984,807</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231_zAqB3QPtuWQl" style="border-bottom: Black 2.5pt double; text-align: right">1,989,276</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20221231_zUJQmccqntH8" style="border-bottom: Black 2.5pt double; text-align: right">5,694</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 940000 92000 595000 1627000 1078734000 1080361000 1662000 2539000 266000 683000 3488000 602733000 606221000 4030000 83000 100000 13000 196000 107365000 107561000 130000 2622000 366000 696000 3684000 710098000 713782000 4160000 75000 236000 311000 212266000 212577000 459000 2000 2000 5766000 5768000 9000 3639000 458000 1527000 5624000 2006864000 2012488000 6290000 211000 1404000 1615000 1067708000 1069323000 1933000 1768000 100000 414000 2282000 587221000 589503000 3290000 209000 97000 51000 357000 105200000 105557000 181000 1977000 197000 465000 2639000 692421000 695060000 3471000 170000 10000 22000 202000 219646000 219848000 290000 13000 13000 5032000 5045000 2160000 418000 1891000 4469000 1984807000 1989276000 5694000 0.0028 0.0022 <p id="xdx_893_eus-gaap--ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_z34zLa3kwEEa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B0_z7YUZt9kg9Te">The following table presents information regarding nonaccrual loans as of the date indicated:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_481_ecustom--FinancingReceivableNonaccrualWithAllowance_iI_pn3n3_zrqAMw1hPZy4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_483_eus-gaap--FinancingReceivableNonaccrualNoAllowance_iI_pn3n3_zbNPAOg4Iwha" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_482_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_zKimuOeRxkU9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_48C_eus-gaap--FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_iI_pn3n3_zz5LyVT0zM8k" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>As of September 30, 2023<sup id="xdx_F68_zjNpdIEymmm6">(1)</sup></b></span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the Nine <br/> Months Ended <br/> September 30, <br/> 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual <br/> Loans with <br/> Allowance for <br/> Credit Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Nonaccrual <br/> Loans Without <br/> Allowance for <br/> Credit Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nonaccrual <br/> Loans</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized Cost <br/> of Loans <br/> Greater than <br/> 90 Days Past <br/> Due and Still <br/> Accruing</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Accrued <br/> Interest <br/> Receivable <br/> Reversed from <br/> Income</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="18" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr id="xdx_412_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zBY65ejDb5yc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; width: 35%; text-align: left; text-indent: -0.125in">Commercial real estate<sup id="xdx_F43_zD9gzclMhzP2" style="display: none">(1)</sup></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2210">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,662</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,662</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2213">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zrprSxDUxGSa" style="width: 10%; text-align: right" title="Accrued Interest Receivable Reversed from Income">85</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in">Residential real estate:<sup id="xdx_F41_zMMll2HLzDu5" style="display: none">(1)</sup></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_415_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zxFVXjOLE81k" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.25in; text-indent: -0.125in">Residential<sup id="xdx_F43_zfnFWf8deOZ2" style="display: none">(1)</sup></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2216">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,030</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,030</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2219">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zqpYJzxf1USh" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">131</td><td style="text-align: left"> </td></tr> <tr id="xdx_413_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_z4txtRgVNlc" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.25in; text-align: left; text-indent: -0.125in">Home equity<sup id="xdx_F43_zAGrLoIw6VK4" style="display: none">(1)</sup></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2222">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2225">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zLcHdBZDklrj" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">9</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zWtrWD2Z8D01" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in">Commercial and industrial<sup id="xdx_F4C_zVlNzkec4Z45" style="display: none">(1)</sup></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2228">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">459</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">459</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2231">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z1VEGznBCm96" style="text-align: right" title="Accrued Interest Receivable Reversed from Income">131</td><td style="text-align: left"> </td></tr> <tr id="xdx_419_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zHbX8oT2nXdl" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; padding-bottom: 1pt; text-indent: -0.125in">Consumer<sup id="xdx_F45_zWJcoxhl7hJ8" style="display: none">(1)</sup></td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2234">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">9</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">9</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2237">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z74I7qSb6dE6" style="border-bottom: Black 1pt solid; text-align: right" title="Accrued Interest Receivable Reversed from Income"><span style="-sec-ix-hidden: xdx2ixbrl2239">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_419_20230930_z9KP0jLZrls" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in">Total loans<sup id="xdx_F42_zMvD7GZt87k9" style="display: none">(1)</sup></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2240">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,290</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,290</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2243">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancingReceivableNonaccrualInterestIncome_pn3n3_c20230101__20230930_zDi4J6iEF3ub" style="border-bottom: Black 2.5pt double; text-align: right" title="Accrued Interest Receivable Reversed from Income">356</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <div style="margin-left: 0.25in; margin-top: 0pt; margin-bottom: 0pt; width: 20%"><div style="border-top: Black 1pt solid; font-size: 1pt"> </div></div> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in"><span id="xdx_F0F_zDnDHCluwZal" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td><td style="padding-left: 0in; text-align: justify"><span id="xdx_F1D_zsvOqG1qUynb" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company adopted ASU 2016-13 as of January 1, 2023.</span></td></tr></table> 1662000 1662000 85000 4030000 4030000 131000 130000 130000 9000 459000 459000 131000 9000 9000 6290000 6290000 356000 0.0031 0.0029 14500000 17300000 <p id="xdx_89C_eus-gaap--ImpairedFinancingReceivablesTableTextBlock_zTlgJnwASYvd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BD_z7WUNzecjfci"><span id="xdx_8B1_zE70OhtwWX2d">The following table summarizes the Company’s individually evaluated loans</span> by class as of September 30, 2023:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Recorded <br/> Investment</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Related <br/> Allowance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td colspan="6" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">With no related allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 54%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zqGyFOcagyk5" style="width: 10%; text-align: right" title="Loans with no related allowance recorded, recorded investment">11,256</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.375in">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_z1ppFqNHRat1" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">5,936</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.375in">Home equity</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zdQ29Ra9FHKc" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">143</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zV6m940ZMXo" style="text-align: right" title="Loans with no related allowance recorded, recorded investment">13,989</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zirQ8bBKl0Te" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">9</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Loans with no related allowance recorded</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_pn3n3_maIndivLoan_c20230930_zIl2dtXlm842" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with no related allowance recorded, recorded investment">31,333</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Commercial real estate</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.375in">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.375in">Home equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zU9rWkiua7Lh" style="text-align: right" title="Loans with an allowance recorded, recorded investment">517</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z5G15nc1AQk" style="text-align: right" title="Loans with an allowance recorded, related allowance">179</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.375in">Loans with an allowance recorded</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_pn3n3_maIndivLoan_c20230930_zCmTcftlywEl" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, recorded investment">517</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_988_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20230930_zZX9u8EJIyHf" style="border-bottom: Black 1pt solid; text-align: right" title="Loans with an allowance recorded, related allowance">179</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total individually evaluated loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iTI_pn3n3_mtIndivLoan_c20230930_zen8uXtdSHRk" style="border-bottom: Black 2.5pt double; text-align: right" title="Total individually evaluated loans, recorded investment">31,850</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_iI_pn3n3_c20230930_zNl5U2AZtyvi" style="border-bottom: Black 2.5pt double; text-align: right">179</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-ASC 326 CECL adoption impaired loan information as of December 31, 2022 is as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">At December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Recorded <br/> Investment</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unpaid <br/> Principal <br/> Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Related <br/> Allowance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Average <br/> Recorded <br/> Investment</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Interest <br/> Income <br/> Recognized</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: center; text-indent: -0.125in"> </td><td> </td> <td colspan="18" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Impaired Loans <sup>(1)</sup></b></span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 35%; text-align: left; padding-left: 0.125in">Commercial real estate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_fKDEp_z5jA5aGVeizj" style="width: 10%; text-align: right">12,437</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_fKDEp_zjkGa9tdm3A2" style="width: 10%; text-align: right">13,795</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_fKDEp_ziHOTa1JUSng" style="width: 10%; text-align: right">13,648</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_fKDEp_zZHC5DIDrmp3" style="width: 10%; text-align: right">217</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Residential real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Residential one-to-four family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_fKDEp_z90fNYlzHEt7" style="text-align: right">5,088</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_fKDEp_znP4rGbia4Ab" style="text-align: right">5,823</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_fKDEp_zbsa7vbeqKB7" style="text-align: right">4,716</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_fKDEp_zLONuHNLWJl4" style="text-align: right">45</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Home equity</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_fKDEp_zf1wjurqh7Hi" style="text-align: right">196</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_fKDEp_zNWlL28uVozf" style="text-align: right">214</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_fKDEp_zSr1C10yKGo5" style="text-align: right">162</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_pn3n3_d0_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_fKDEp_zmb4t2Jlj7Ua" style="text-align: right">1</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Commercial and industrial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_fKDEp_zY34KjQTsqli" style="text-align: right">685</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_fKDEp_zOwCJcGA9B62" style="text-align: right">3,095</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_fKDEp_zahMVw656is6" style="text-align: right">936</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_fKDEp_zTSyUKR8IbLe" style="text-align: right">56</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in">Consumer</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_fKDEp_zQagn8okmh63" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2300">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_fKDEp_zwdyRxFcEDz2" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2301">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_fKDEp_zohLkVXnzzNl" style="border-bottom: Black 1pt solid; text-align: right">3</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_pn3n3_c20220101__20220930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_fKDEp_z9kTA9bU6h8j" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2303">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Total impaired loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20221231_fKDEp_z03DAZ9Sh3Ta" style="border-bottom: Black 2.5pt double; text-align: right" title="Impaired loans, recorded investment">18,406</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20221231_fKDEp_zVZgIpDdWxW9" style="border-bottom: Black 2.5pt double; text-align: right" title="Impaired loans, unpaid principal balance">22,927</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_pn3n3_c20220101__20220930_fKDEp_zYhctcDCvfb3" style="border-bottom: Black 2.5pt double; text-align: right" title="Impaired loans, average recorded investment">19,465</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_pn3n3_c20220101__20220930_fKDEp_zsZIYUj4Lgf8" style="border-bottom: Black 2.5pt double; text-align: right" title="Impaired loans, interest income recognized">319</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="text-align: right"> </td><td> </td><td style="text-align: justify"> </td></tr> <tr style="vertical-align: top; text-align: justify"> <td style="width: 15pt; text-align: right"><span id="xdx_F0A_ztseEae3xG42" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(1)</span></td><td style="width: 5pt"></td><td style="text-align: justify"><span id="xdx_F1A_zQnCFAUc1eG2" style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Includes loans acquired with deteriorated credit quality and performing troubled debt restructurings.</span></td> </tr></table> 11256000 5936000 143000 13989000 9000 31333000 517000 179000 517000 179000 31850000 179000 12437000 13795000 13648000 217000 5088000 5823000 4716000 45000 196000 214000 162000 1000 685000 3095000 936000 56000 3000 18406000 22927000 19465000 319000 <p id="xdx_898_eus-gaap--FinancingReceivableCreditQualityIndicatorsTableTextBlock_zyv7zqMFcAl6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B6_zV2VGGSw4CAk">The following table details the amortized cost balances of the Company’s loan portfolio presented by risk rating</span> and origination year as of the periods presented. In addition, payment activity has been included as an additional credit quality indicator:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="margin-top: 0; margin-bottom: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_489_eus-gaap--FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_iI_pn3n3_zc1bGsWb64hh" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_481_eus-gaap--FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_iI_pn3n3_zQaqvBsiw2Z3" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_483_eus-gaap--FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_iI_pn3n3_zwj9B5V570Ik" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_484_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_iI_pn3n3_zmFGcmoreFg8" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_484_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_iI_pn3n3_zE5Y3c8EtRsg" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td colspan="2" id="xdx_485_eus-gaap--FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_iI_pn3n3_z4sOV4YQSgj5" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_481_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolving_iI_pn3n3_zM9rhWLAo8yf" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td colspan="2" id="xdx_48E_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_iI_pn3n3_z3EBumM9GHml" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_480_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_mtTotal1_z3wwHULEqGB1" style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Term Loan Origination by Year</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, <br/> <span id="xdx_915_eus-gaap--FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_zQezTBV6pmc4">2023</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span id="xdx_915_eus-gaap--FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_z58BnyRdybS9">2022</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span id="xdx_919_eus-gaap--FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_z6IyWXf5YE9k">2021</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span id="xdx_91E_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_zjXYBhAa2kJ2">2020</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span id="xdx_918_eus-gaap--FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_zfaJeE49bVL9">2019</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span id="xdx_915_eus-gaap--FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_zGStsrkYM1ll">Prior</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span id="xdx_91D_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolving_zW9QxmLCxti3">Revolving Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span id="xdx_91A_eus-gaap--FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_zOxDnPENH0Ga">Revolving Loans Converted to Term Loans</span></td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="34" style="text-align: center">(Dollars in thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Commercial Real Estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_418_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zjyZUt6bNohe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 28%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Pass (Rated 1- 4)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">34,695</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">176,724</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">230,571</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">115,495</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">90,600</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">330,324</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">75,495</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">6,005</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">1,059,909</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_414_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zhOMb0QTlnNh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Special Mention (Rated 5)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2332">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2333">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2334">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">184</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,483</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,994</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">164</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2339">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,825</td><td style="text-align: left"> </td></tr> <tr id="xdx_415_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zZML52MwdWD" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Substandard (Rated 6)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2341">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2342">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2343">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,142</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2345">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,485</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2347">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2348">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">11,627</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_415_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zaoV0azTuiwl" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total commercial real estate loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">34,695</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">176,724</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">230,571</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">123,821</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">93,083</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">339,803</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">75,659</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,005</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,080,361</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_pn3n3_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zu0spq5Mce2g" style="text-align: right" title="Current period gross charge-offs, Prior">414</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zE0D5ksvBDDd" style="text-align: right" title="Current period gross charge-offs">414</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Payment Performance:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_410_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zFpaoIHmKtQh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.375in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">34,695</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">176,724</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">230,571</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">123,821</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">93,083</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">338,141</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">75,659</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,005</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,078,699</td><td style="text-align: left"> </td></tr> <tr id="xdx_417_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_z8jkYmyY0NTf" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.375in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2372">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2373">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2374">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2375">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2376">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,662</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2378">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2379">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,662</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Residential One-to-Four Family:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_412_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zEELy3tZvmDf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">42,352</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">87,316</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">96,136</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">128,473</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">55,057</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">181,613</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">10,301</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2388">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">601,248</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_z6yagL2uRld6" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Substandard</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2390">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">447</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2392">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">336</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2394">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,190</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2396">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2397">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,973</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_419_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zt5Ibhv0DYEj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total residential one-to-four family</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">42,352</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">87,763</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">96,136</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">128,809</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">55,057</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">185,803</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">10,301</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2406">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">606,221</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Payment Performance:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_41B_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zkV9kYdUEWph" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.375in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">42,352</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">87,316</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">96,136</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">128,473</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">55,057</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">182,556</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">10,301</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2415">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">602,191</td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zh6L3dwPokr" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.375in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2417">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">447</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2419">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">336</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2421">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,247</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2423">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2424">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,030</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-decoration: underline; text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Home Equity:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_416_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_z1cnchJOw761" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,507</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">11,362</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,312</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,614</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,722</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">58,342</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,487</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">107,431</td><td style="text-align: left"> </td></tr> <tr id="xdx_416_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zlusYDKOLNW1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Substandard</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2435">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2436">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2437">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2438">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2439">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2440">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">92</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">38</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">130</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_415_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zuLv1up8hL5c" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total home equity loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,507</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">11,362</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,085</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,312</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,614</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,722</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">58,434</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,525</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">107,561</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Payment Performance:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_419_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zW5UlMFf6Lh6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.375in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,507</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">11,362</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,312</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,614</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">7,722</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">58,342</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,487</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">107,431</td><td style="text-align: left"> </td></tr> <tr id="xdx_415_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zVFQyrgxl9Xj" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.375in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2462">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2463">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2464">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2465">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2466">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2467">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">92</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">38</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="22" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Term Loans Originated by Year</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: right"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, <br/> 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Prior</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Revolving <br/> Loans <br/> Converted to <br/> Term Loans</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td colspan="34" style="text-align: center">(Dollars in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Commercial and Industrial:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_414_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zkLbw3AFwVVl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 28%; text-align: left; padding-left: 0.25in">Pass (Rated 1- 4)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">20,989</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">37,264</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">25,984</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">21,718</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">20,586</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">9,985</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">55,938</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">71</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 5%; text-align: right">192,535</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_41C_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zGjDxyuNhs04" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Special Mention (Rated 5)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2480">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">111</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">157</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2483">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">605</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,268</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2487">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,160</td><td style="text-align: left"> </td></tr> <tr id="xdx_41D_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zFHM7KnPGrgg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.25in">Substandard (Rated 6)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2489">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2490">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,506</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,581</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">19</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6,772</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2496">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">16,882</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41B_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zQ8P67b75kve" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total commercial and industrial loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">20,989</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">37,375</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">27,647</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">30,299</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">20,609</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">10,609</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">64,978</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">71</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">212,577</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedFiscalYearBeforeCurrentFiscalYear_iP2custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zPTrTyv3fkPg" style="text-align: right" title="Current period gross charge-offs, 2022">147</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zU0Vk2PEQ9ai" style="text-align: right">221</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_iP3custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_maChargeOff_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_z98cUlpI3NX8" style="text-align: right" title="Current period gross charge-offs, Revolving Loans Converted to Term Loans">1,193</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zFp7ctuY85X5" style="text-align: right">1,561</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Payment Performance:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_411_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zw0s6CmqWY5j" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.375in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">20,989</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">37,375</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">27,647</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">30,299</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">20,609</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">10,601</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">64,527</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">71</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">212,118</td><td style="text-align: left"> </td></tr> <tr id="xdx_411_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_zbrypeZx0Aw" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.375in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2522">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2523">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2524">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2525">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2526">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">451</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2529">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">459</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-decoration: underline; text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Consumer:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_41F_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_ztJPoc5Xh1Yh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Pass</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,097</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,633</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">596</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">322</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">101</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">209</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">784</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2538">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,742</td><td style="text-align: left"> </td></tr> <tr id="xdx_413_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zFMboBWPWRRf" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Substandard</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2540">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2541">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2542">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2543">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2544">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">26</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2546">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2547">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">26</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_41A_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zKEU0Lr5QDFe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Total consumer loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,097</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,633</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">596</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">322</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">101</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">235</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">784</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2556">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,768</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Current period gross charge-offs</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolving_iP2custom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zWBpx0v0bKV6" style="text-align: right" title="Current period gross charge-offs, Revolving Loans">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_ecustom--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRevolvingConvertedToTermLoan_maChargeOff_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_zjsv2l13xgm3" style="text-align: right">113</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98D_eus-gaap--FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_iT_pn3n3_mtChargeOff_c20230101__20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z3d5ew4kKrH1" style="text-align: right">116</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Payment Performance:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_415_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--PerformingFinancingReceivableMember_zdrOj472Bysk" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.375in">Performing</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,097</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,633</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">596</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">322</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">101</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">227</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">783</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2569">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">5,759</td><td style="text-align: left"> </td></tr> <tr id="xdx_413_20230930__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember__us-gaap--FinancialInstrumentPerformanceStatusAxis__us-gaap--NonperformingFinancingReceivableMember_z6u9BLsBxjGf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.375in">Nonperforming</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2571">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2572">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2573">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2574">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2575">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2578">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following table presents our loans by risk rating as of December 31, 2022 Pre-ASC 326 CECL adoption:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49B_20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstateMember_zn2kAOCInqPg" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial Real <br/> Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49F_20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zWVDjILfFvg2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Residential <br/> 1-4 Family</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_490_20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--HomeEquityMember_zI8h7WEoGqvb" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Home <br/> Equity</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_491_20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialAndIndustrialSectorMember_zhcFRIBmpkp9" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> and Industrial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49E_20221231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerLoanMember_z9plBwA6gOsi" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_492_20221231_zhimjXv8mVwj" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="22" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; padding-bottom: 1pt; font-weight: bold; text-indent: -0.125in"><span style="text-decoration: underline">December 31, 2022</span></td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: right"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr id="xdx_408_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--InternalCreditAssessmentAxis__custom--Pass11Member_zPU4DSqUZoo3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 22%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Pass (Rated 1 - 4)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,036,337</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">585,292</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">105,248</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">193,415</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">5,027</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,925,319</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--InternalCreditAssessmentAxis__custom--SpecialMention11Member_zOonW8uyuouf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Special Mention (Rated 5)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,035</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2589">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2590">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,623</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2592">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,658</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_hus-gaap--InternalCreditAssessmentAxis__custom--Substandard11Member_zMabHm1c6BCj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Substandard (Rated 6)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">16,951</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,211</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">309</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">20,810</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">18</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">42,299</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_zwSn2pcIAdK7" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.375in">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,069,323</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">589,503</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">105,557</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">219,848</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,045</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_iI_pn3n3_c20221231_zORG0QFV81w2" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans">1,989,276</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 34695000 176724000 230571000 115495000 90600000 330324000 75495000 6005000 1059909000 184000 2483000 5994000 164000 8825000 8142000 3485000 11627000 34695000 176724000 230571000 123821000 93083000 339803000 75659000 6005000 1080361000 414000 414000 34695000 176724000 230571000 123821000 93083000 338141000 75659000 6005000 1078699000 1662000 1662000 42352000 87316000 96136000 128473000 55057000 181613000 10301000 601248000 447000 336000 4190000 4973000 42352000 87763000 96136000 128809000 55057000 185803000 10301000 606221000 42352000 87316000 96136000 128473000 55057000 182556000 10301000 602191000 447000 336000 3247000 4030000 7507000 11362000 7085000 7312000 5614000 7722000 58342000 2487000 107431000 92000 38000 130000 7507000 11362000 7085000 7312000 5614000 7722000 58434000 2525000 107561000 7507000 11362000 7085000 7312000 5614000 7722000 58342000 2487000 107431000 92000 38000 130000 20989000 37264000 25984000 21718000 20586000 9985000 55938000 71000 192535000 111000 157000 19000 605000 2268000 3160000 1506000 8581000 4000 19000 6772000 16882000 20989000 37375000 27647000 30299000 20609000 10609000 64978000 71000 212577000 147000 221000 1193000 1561000 20989000 37375000 27647000 30299000 20609000 10601000 64527000 71000 212118000 8000 451000 459000 2097000 1633000 596000 322000 101000 209000 784000 5742000 26000 26000 2097000 1633000 596000 322000 101000 235000 784000 5768000 3000 113000 116000 2097000 1633000 596000 322000 101000 227000 783000 5759000 8000 1000 9000 1036337000 585292000 105248000 193415000 5027000 1925319000 16035000 5623000 21658000 16951000 4211000 309000 20810000 18000 42299000 1069323000 589503000 105557000 219848000 5045000 1989276000 1989276000 <p id="xdx_806_eus-gaap--GoodwillAndIntangibleAssetsDisclosureTextBlock_zSV20AjDS7Ke" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.5in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>6.</b></span></td><td id="xdx_828_ziuUis9H7El2" style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>GOODWILL AND OTHER INTANGIBLES</b></span></td> </tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Goodwill</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At September 30, 2023 and December 31, 2022, the Company’s goodwill balance of $<span id="xdx_907_eus-gaap--Goodwill_iI_pn3n3_dxL_c20230930_z0LGL11Thlce" title="Goodwill::XDX::12487"><span style="-sec-ix-hidden: xdx2ixbrl2613">12.5</span></span> million was related to the acquisition of Chicopee Bancorp, Inc. in October 2016. There was no goodwill impairment recorded during the three months ended September 30, 2023 or the year ended December 31, 2022. Annually, or more frequently if events or changes in circumstances warrant such evaluation, the Company evaluates its goodwill for impairment.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Core Deposit Intangible</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In connection with the acquisition of Chicopee Bancorp, Inc., the Bank recorded a core deposit intangible of $<span id="xdx_904_eus-gaap--FiniteLivedCoreDepositsGross_iI_pn5n6_c20230930__us-gaap--FiniteLivedIntangibleAssetsByMajorClassAxis__us-gaap--CoreDepositsMember_zyUXN2j1s65b" title="Acquired core deposit intangible">4.5</span> million which is amortized over <span id="xdx_906_eus-gaap--FiniteLivedIntangibleAssetUsefulLife_iI_dt_c20230930__us-gaap--FiniteLivedIntangibleAssetsByMajorClassAxis__us-gaap--CoreDepositsMember_zs6MnLSU7lRb" title="Amortization period of core deposit intangible">twelve years</span> using the straight-line method. Amortization expense was $<span id="xdx_90D_eus-gaap--AmortizationOfIntangibleAssets_pn3p0_c20230101__20230930_zWw3dHHKr97e" title="Amortization of core deposit intangible"><span id="xdx_909_eus-gaap--AmortizationOfIntangibleAssets_pn3p0_c20220101__20220930_zV8w1onBBtDa" title="Amortization of core deposit intangible">282,000</span></span> for the nine months ended September 30, 2023 and 2022, respectively. At September 30, 2023, future amortization of the core deposit intangible totaled $<span id="xdx_904_ecustom--FiniteLivedIntangibleAssetsAmortizationExpenseYearOneToFive_iI_pn3p0_c20230930__us-gaap--FiniteLivedIntangibleAssetsByMajorClassAxis__us-gaap--CoreDepositsMember_zDBRcaM6fBS9" title="Future amortization of core deposit intangible assets years 1-5">375,000</span> for each of the next five years and $<span id="xdx_902_eus-gaap--FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_iI_pn3p0_c20230930__us-gaap--FiniteLivedIntangibleAssetsByMajorClassAxis__us-gaap--CoreDepositsMember_zh7caAPHz1fh" title="Future amortization of core deposit intangible assets thereafter">31,000</span> thereafter.</span></p> 4500000 P12Y 282000 282000 375000 31000 <p id="xdx_802_eus-gaap--DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_zHDMYmMlPoi7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.5in; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>7.</b></span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_82B_zLAY21ZIdo2k">SHARE-BASED COMPENSATION</span></b></span></td> </tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Restricted Stock Awards. </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In May 2014, the Company’s shareholders approved the 2014 Omnibus Incentive Plan, a stock-based compensation plan (the “2014 Incentive Plan”). Under the 2014 Incentive Plan, up to <span id="xdx_901_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_iI_c20140514__us-gaap--AwardTypeAxis__custom--StockCompensationPlan2014Member_zwUmhnBCjdul" title="Shares authorized">516,000</span> shares of the Company’s common stock were reserved for grants of stock awards, including stock options and restricted stock, which may be granted to any officer, key employee or non-employee director of WNEB. Any shares that are not issued because vesting requirements are not met were available for future issuance under the 2014 Incentive Plan.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On an annual basis, the Compensation Committee (the “Committee”) approves long-term incentive awards out of the 2014 Incentive Plan, whereby shares will be granted to eligible participants of the Company that are nominated by the Chief Executive Officer and approved by the Committee, with vesting over a <span id="xdx_902_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--StockCompensationPlanMember__us-gaap--GranteeStatusAxis__us-gaap--ShareBasedPaymentArrangementEmployeeMember_zPmvh9XcAeR7" title="Vesting period::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2631">three-year</span></span> term for employees and a <span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--StockCompensationPlanMember__us-gaap--GranteeStatusAxis__us-gaap--ShareBasedPaymentArrangementNonemployeeMember_zC0DQEk3t8Q3" title="::XDX::P1Y"><span style="-sec-ix-hidden: xdx2ixbrl2632">one-year</span></span> term for directors. Annual employee grants provide for a periodic award that is both performance and time-based and is designed to recognize the executive’s responsibilities, reward performance and leadership and as a retention tool. The objective of the award is to align compensation for the named executive officers and directors over a multi-year period directly with the interests of our shareholders by motivating and rewarding creation and preservation of long-term financial strength, shareholder value and relative shareholder return.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In February 2020, <span id="xdx_90E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20200201__20200229__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member_zOMXgSPkMjsa" title="Shares granted">120,053</span> shares were granted under the 2020 Long-Term Incentive Plan (the “2020 Incentive Plan”). Of the <span id="xdx_908_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20200201__20200229__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member_zDNF7ws512V">120,053</span> shares, <span id="xdx_908_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20200201__20200229__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zbebxz8VGKY9">69,898</span> shares were time-based, with <span id="xdx_909_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20200201__20200229__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheOneMember_zlyXGWOWlra3">19,760</span> vesting in <span id="xdx_908_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dt_c20200201__20200229__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheOneMember_zScsKkavrVSl">one year </span>and <span id="xdx_900_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20200201__20200229__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheTwoMember_zGBMYvrdi1l4">50,138</span> vesting ratably over a <span id="xdx_909_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20200201__20200229__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheTwoMember_zmXQ038AuzDl" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2640">three-year</span></span> period. The remaining <span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20200201__20200229__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zT5czIYUouKk">50,155</span> shares granted are performance-based and are subject to the achievement of the 2020 Incentive Plan performance metrics, with <span id="xdx_905_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_c20200201__20200229__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zWuJG27t0sh9" title="Vesting percentage">50</span>% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2020 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and stretch absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a <span id="xdx_909_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20200201__20200229__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zbGmrG8b9WI6" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2644">three-year</span></span> cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89B_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2020TableTextBlock_zuguzAP7PxI3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2020 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_zOQf1AmJ9VX2" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_zR0YnAHc3Qqe" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_ziLif8ZfxMya" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td colspan="9" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Return on Equity Metrics</b></span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--PercentageOfPerformanceEarnedDuringYearOne_pid_dp_uPure_z0d89a7hvJt" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2020</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">5.00</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">5.48</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">6.00</td><td style="width: 1%; text-align: left">%</td></tr> <tr id="xdx_402_ecustom--PercentageOfPerformanceEarnedDuringYearTwo_pid_dp_uPure_z8jdaWUMkFug" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2021</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.62</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.24</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.86</td><td style="text-align: left">%</td></tr> <tr id="xdx_405_ecustom--PercentageOfPerformanceEarnedDuringYearThree_pid_dp_uPure_zKCrt4GF1fWa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2022</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.29</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.99</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.69</td><td style="text-align: left">%</td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_zfC4LxMPFaKf" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_zp0ht15OAQOl" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_zoHYmI4OOr5e" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Earnings Per Share Metrics</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Performance Period Ending</td> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Threshold</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Target</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Stretch</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 5.4pt; width: 40%"> </td> <td style="width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td></tr> <tr id="xdx_400_ecustom--ThreeYearCumulativeEarningsPerShareDiluted_pid_uUSDPShares_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member_zhkiLAdg67i1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Three-year Cumulative Diluted Earnings Per Share</td> <td> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.65</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.80</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A6_zmjijUURMpL9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Eligible participants will be able to earn between <span id="xdx_905_ecustom--PercentOfAwardsParticipantsMayEarn_dp_c20200201__20200229__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember__us-gaap--VestingAxis__custom--ThresholdMember_zx1tyQpU8fo6" title="Percent of awards participants may earn">50</span>% (“threshold” performance), <span id="xdx_909_ecustom--PercentOfAwardsParticipantsMayEarn_dp_c20200201__20200229__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember__us-gaap--VestingAxis__custom--TargetMember_zPT3ZdmN9Ei" title="Percent of awards participants may earn">100</span>% (“target” performance) and <span id="xdx_90B_ecustom--PercentOfAwardsParticipantsMayEarn_dp_c20200201__20200229__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember__srt--RangeAxis__srt--MaximumMember_z9AUy1H31wfh" title="Percent of awards participants may earn">150</span>% (“stretch” performance). As of December 31, 2022, the three-year performance period for the 2020 Incentive Plan grants ended. The 2020 Incentive Plan included a “catch-up” provision allowing for any unearned performance-based shares from the 2020 and 2021 performance periods to be earned at the end of the <span id="xdx_900_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_dxL_c20200201__20200229__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_z7iRRXI1wzMf" title="Performance period earned::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2670">three-year</span></span> period based on the final year performance. Of the original <span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20200201__20200229__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zrkhKMRXWAMg">50,155</span> performance-based shares granted in 2020 based on achieving target, <span id="xdx_906_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber_iI_c20230930__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zQXm03LkiVg6" title="Performance based shares eligible for vest">59,268</span> performance-based shares were eligible for vesting during the first quarter of 2023 based on achieving stretch.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The fair market value of shares awarded is based on the market price at the grant date, recorded as unearned compensation and amortized over the applicable vesting period. Performance-based metrics are monitored on a quarterly basis in order to compare actual results to the performance metric, with any necessary adjustments being recognized through share-based compensation expense and unearned compensation.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: red"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In May 2021, the Company’s shareholders approved the 2021 Omnibus Incentive Plan, a stock-based compensation plan (the “2021 Incentive Plan”). Under the 2021 Incentive Plan, up to <span id="xdx_90C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_iI_c20210531__us-gaap--PlanNameAxis__custom--StockCompensationPlan2021Member_zSE0GS1aW8ng" title="Shares authorized">700,000</span> shares of the Company’s common stock were reserved for grants of stock awards, including stock options and restricted stock, which may be granted to any officer, key employee or non-employee director of the Company. Any shares that are not issued because vesting requirements are not met will be available for future issuance under the 2021 Incentive Plan.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In May 2021, <span id="xdx_906_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member_zjbf8Tv30ue1" title="Shares granted">122,362</span> shares were granted under the 2021 Long-Term Incentive Plan (the “2021 Incentive Plan”). Of the <span id="xdx_906_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member_zCLBN8kEBEVd" title="Shares granted">122,362</span> shares, <span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zL5uLjtCZJkf" title="Shares granted">61,181</span> shares were time-based, vesting ratably over a <span id="xdx_901_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zzCuzSE0s5Zd" title="Vesting period::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2683">three-year</span></span> period. The remaining <span id="xdx_90A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zEV2lnjgMAva" title="Shares granted">61,181</span> shares granted are performance-based and are subject to the achievement of the 2021 Incentive Plan performance metrics, with <span id="xdx_904_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zcq3CeVyX8e7" title="Vesting percentage">50</span>% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2021 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and stretch absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a <span id="xdx_905_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20210501__20210531__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zluufF5l1Loe" title="Vesting period::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2689">three-year</span></span> cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_898_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2021TableTextBlock_zHcbGFwhTwXk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_zYKbw3MjQgAg" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_zN0lenSAqpqj" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_zkwf8KZ0Wz9j" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Return on Equity Metrics</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Performance Period Ending</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Threshold</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Target</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Stretch</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_404_ecustom--PercentageOfPerformanceEarnedDuringYearFour_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member_zEJDROENzJzb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2021</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: center">5.63%</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: center">6.25%</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: center">7.50%</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--PercentageOfPerformanceEarnedDuringYearFive_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member_zsSFWAP6ABOd" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2022</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">5.85%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">6.50%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">7.80%</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--PercentageOfPerformanceEarnedDuringYearSix_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member_z1Fa8yk0DSs6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2023</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">6.08%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">6.75%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">8.10%</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_zOuOOITgC8bf" style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_ziVmX4I4ufBg"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_zaphdyfsZZ3g" style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td> </td> <td colspan="7" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Earnings Per Share Metrics</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Threshold</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Target</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Stretch</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 5.4pt; width: 57%"> </td><td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td></tr> <tr id="xdx_40C_ecustom--ThreeYearCumulativeEarningsPerShareDilutedTwo_pid_uUSDPShares_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member_zaRz4BZQqSc8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Three-year Cumulative Diluted Earnings Per Share</td><td> </td> <td> </td> <td style="text-align: center">$1.58</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">$1.97</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">$2.36</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A0_zIJkKo49zqei" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In March 2022, <span id="xdx_908_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zin83KWTMQbi">137,151</span> shares were granted under the 2022 Long-Term Incentive Plan (the “2022 Incentive Plan”). Of the <span id="xdx_908_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zLveAg5XC">137,151</span> shares, <span id="xdx_90E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zU1Ho4utB69d">77,463</span> shares were time-based, with <span id="xdx_902_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheOneMember_zRxXdlaBmNtd">17,775</span> vesting in <span id="xdx_904_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_pid_dt_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheOneMember_znscB1tqe33e">one year</span> and <span id="xdx_906_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheTwoMember_zyO4FAlGH8d6">59,688</span> vesting ratably over a <span id="xdx_907_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_pid_dxL_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheTwoMember_zGEdnm1Uc4zd" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2714">three-year</span></span> period. The remaining <span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zGnnPOx8xa5h">59,688</span> shares granted are performance-based and are subject to the achievement of the 2022 Incentive Plan performance metrics, with <span id="xdx_90F_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zrreL7aw0wca">50</span>% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2022 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and stretch absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a <span id="xdx_90B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20220301__20220331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zgwNGlvmjeGf" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2717">three-year</span></span> cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_895_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2022TableTextBlock_z57uCmWJwsG3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_zARV0gOEtso1" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_zLhdT8puq66b" style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_zNmxHOozI1cl"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="8" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Return on Equity Metrics</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Performance Period Ending</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Threshold</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Target</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Stretch</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td> <td colspan="2" style="text-align: right"> </td></tr> <tr id="xdx_40A_ecustom--PercentageOfPerformanceEarnedDuringYearSeven_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zmxDbqZzas66" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 57%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2022</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 12%; text-align: center">7.79%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 12%; text-align: center">8.20%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 12%; text-align: center">8.61%</td></tr> <tr id="xdx_407_ecustom--PercentageOfPerformanceEarnedDuringYearEight_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zHSCbcUCbTw8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2023</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">7.93%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">8.35%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">8.77%</td></tr> <tr id="xdx_406_ecustom--PercentageOfPerformanceEarnedDuringYearNine_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zxKZfVTDSP65" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2024</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">8.03%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">8.45%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">8.87%</td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_z4maN3sowwl4" style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_z7fDZDkGAd2"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_zj0AncUbv2q6" style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Earnings Per Share Metrics</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Performance Period Ending</td> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Threshold</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Target</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Stretch</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 5.4pt; width: 57%"> </td> <td style="width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td></tr> <tr id="xdx_409_ecustom--ThreeYearCumulativeEarningsPerShareDilutedThree_pid_uUSDPShares_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zmgHWjVGdWC9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Three-year Cumulative Diluted Earnings Per Share</td> <td> </td><td> </td> <td style="text-align: center">$2.35</td><td style="text-align: center"> </td><td style="text-align: center"> </td> <td style="text-align: center">$2.61</td><td style="text-align: center"> </td><td style="text-align: center"> </td> <td style="text-align: center">$2.85</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A3_z0LhORitXqq2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In March 2023, <span id="xdx_900_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zqCTy694rNr3">139,196</span> shares were granted under the 2023 Long-Term Incentive Plan (the “2023 Incentive Plan”). Of the <span id="xdx_900_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zXRHlovBRbtd">139,196</span> shares, <span id="xdx_905_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember_zTuYuNMY4dPh">78,697</span> shares were time-based, with <span id="xdx_90E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheOneMember_zoEQnLrgDdb1">18,198</span> vesting in <span id="xdx_904_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_pid_dt_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheOneMember_zGudVU9LMG71">one year</span> and <span id="xdx_902_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheTwoMember_z9gXZNci6774">60,499</span> vesting ratably over a <span id="xdx_907_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_pid_dxL_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__custom--TimeBasedSharesMember__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheTwoMember_zQK4RrCZg9Ol" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2742">three-year</span></span> period. The remaining <span id="xdx_906_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zpOT9a34Epp">60,499</span> shares granted are performance-based and are subject to the achievement of the 2023 Incentive Plan performance metrics, with <span id="xdx_905_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zHl6YSHdVTsh">50</span>% of the performance-based shares vesting for each performance metric. The primary performance metrics for the 2023 Incentive Plan grants are return on equity and earnings per share. Performance shares will be earned based upon how the Company performs relative to threshold, target and stretch absolute goals (i.e. Company-specific, not relative to a peer index) on an annual performance period for return on equity metrics and for a <span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_dxL_c20230301__20230331__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member__us-gaap--AwardTypeAxis__us-gaap--PerformanceSharesMember_zPatwT6k2ksa" title="::XDX::P3Y"><span style="-sec-ix-hidden: xdx2ixbrl2745">three-year</span></span> cumulative performance period for earnings per share, but will be distributed at the end of the three-year period as earned.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89E_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2023TableTextBlock_zgYiuUibeBub" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_zd2iIoaDROA7" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_z1baZdNEw0U8" style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_zd0zxktdxVNe"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="8" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Return on Equity Metrics</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Performance Period Ending</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Threshold</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Target</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Stretch</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td> <td colspan="2" style="text-align: right"> </td></tr> <tr id="xdx_402_ecustom--PercentageOfPerformanceEarnedDuringYearTen_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zWYs6QYGKEol" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 57%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2023</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 12%; text-align: center">8.00%</td><td style="text-align: center; width: 1%"> </td> <td style="width: 1%; text-align: center"> </td><td style="width: 12%; text-align: center">8.45%</td><td style="text-align: center; width: 1%"> </td> <td style="width: 1%; text-align: center"> </td><td style="width: 12%; text-align: center">  8.85%</td></tr> <tr id="xdx_407_ecustom--PercentageOfPerformanceEarnedDuringYearEleven_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zSqsGbIjVPfg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2024</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">8.75%</td><td style="text-align: center"> </td> <td style="text-align: center"> </td><td style="text-align: center">9.25%</td><td style="text-align: center"> </td> <td style="text-align: center"> </td><td style="text-align: center">  9.75%</td></tr> <tr id="xdx_400_ecustom--PercentageOfPerformanceEarnedDuringYearTwelve_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zItqtTcDyAKg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2025</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">9.00%</td><td style="text-align: center"> </td> <td style="text-align: center"> </td><td style="text-align: center">9.50%</td><td style="text-align: center"> </td> <td style="text-align: center"> </td><td style="text-align: center">10.00%</td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_zlUAe5yJNO2h" style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_zBZEnWcK43Cj"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_zwnffiPyMTC5" style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td> </td> <td colspan="7" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Earnings Per Share Metrics</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Threshold</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Target</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Stretch</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 5.4pt; width: 57%"> </td><td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td></tr> <tr id="xdx_40D_ecustom--ThreeYearCumulativeEarningsPerShareDilutedFour_pid_uUSDPShares_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zv54qtwAxNYd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Three-year Cumulative Diluted Earnings Per Share</td><td> </td> <td> </td> <td style="text-align: center">$2.39</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">$2.65</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">$2.89</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AA_zqV3njsz4grg" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At September 30, 2023, there were <span id="xdx_905_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_iI_pid_c20230930__us-gaap--PlanNameAxis__custom--StockCompensationPlan2021Member_z11GnuZQYIh8" title="Shares available for grant">304,033</span> remaining shares available to grant under the 2021 Incentive Plan.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_895_eus-gaap--NonvestedRestrictedStockSharesActivityTableTextBlock_z9KOGITuS559" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A summary of the status of restricted stock awards at September 30, 2023 and September 30, 2022 is presented below:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Weighted Average <br/> Grant Date Fair <br/> Value</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>($)</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; width: 50%; text-align: left; text-indent: -0.125in">Balance at December 31, 2022</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iS_pid_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zRBIUD4MwqXl" style="width: 12%; text-align: right" title="Beginning balance">206,092</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iS_pp2p0_uUSDPShares_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zLtVcY1N4AB5" style="width: 12%; text-align: right" title="Beginning balance">8.85</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.25in; text-align: left; text-indent: -0.125in">Shares granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zqP0sdnYHnai" style="text-align: right" title="Shares granted">158,957</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z822h5Y11NKc" style="text-align: right" title="Shares granted">9.79</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.25in; text-align: left; padding-bottom: 1pt; text-indent: -0.125in">Shares vested</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_iN_pid_di_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zCJxX5VX4IAh" style="border-bottom: Black 1pt solid; text-align: right" title="Shares vested">(66,817</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zALSIf2ogyk8" style="padding-bottom: 1pt; text-align: right" title="Shares vested">9.07</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in">Balance at September 30, 2023</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iE_pid_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zTwhwI4xCnjk" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance">298,232</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iE_pp2p0_uUSDPShares_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zsoZrPrS8GZ6" style="padding-bottom: 2.5pt; text-align: right" title="Ending balance">9.30</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Weighted Average <br/> Grant Date Fair <br/> Value</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>($)</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 50%; padding-left: 0.125in">Balance at December 31, 2021</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iS_pid_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zPzsxLPSE8Jf" style="width: 12%; text-align: right">213,381</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iS_pp2p0_uUSDPShares_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z2sM8xZpcrdb" style="width: 12%; text-align: right">8.91</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in">Shares granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zIQKZn24oRn7" style="text-align: right">144,440</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z4Efyzks7Zt1" style="text-align: right">9.14</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Shares forfeited</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_iNP3us-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_pid_di_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zGxmkdjEYdeg" style="text-align: right" title="Shares forfeited">(24,440</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_iP3us-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_pp2p0_uUSDPShares_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z0DQfrQHVN0k" style="text-align: right" title="Shares forfeited">8.73</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Shares vested</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_iN_pid_di_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z3OFWObaCvOa" style="border-bottom: Black 1pt solid; text-align: right">(60,009</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zzSRBRaCL1t" style="padding-bottom: 1pt; text-align: right">9.77</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Balance at September 30, 2022</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iE_pid_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zJkHZU3duYyk" style="border-bottom: Black 2.5pt double; text-align: right">273,372</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iE_pp2p0_uUSDPShares_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z2Zvi9U9Lw03" style="padding-bottom: 2.5pt; text-align: right">8.86</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A5_zwN1rbQtqkuk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.15pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We recorded total expense for restricted stock awards of $<span id="xdx_90E_eus-gaap--RestrictedStockExpense_pn5n6_c20230101__20230930_zc6YoXLgg7l1" title="Restricted stock expense">1.1</span> million and <span id="xdx_90E_eus-gaap--RestrictedStockExpense_pn3p0_c20220101__20220930_z9SMQRkS28Cb">$804,000</span> for the nine months ended September 30, 2023 and 2022, respectively.</span></p> 516000 120053 120053 69898 19760 P1Y 50138 50155 0.50 <p id="xdx_89B_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2020TableTextBlock_zuguzAP7PxI3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2020 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_zOQf1AmJ9VX2" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_zR0YnAHc3Qqe" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_ziLif8ZfxMya" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td colspan="9" style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Return on Equity Metrics</b></span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Performance Period Ending</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Threshold</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Target</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Stretch</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--PercentageOfPerformanceEarnedDuringYearOne_pid_dp_uPure_z0d89a7hvJt" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2020</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">5.00</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">5.48</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">6.00</td><td style="width: 1%; text-align: left">%</td></tr> <tr id="xdx_402_ecustom--PercentageOfPerformanceEarnedDuringYearTwo_pid_dp_uPure_z8jdaWUMkFug" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2021</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.62</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.24</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.86</td><td style="text-align: left">%</td></tr> <tr id="xdx_405_ecustom--PercentageOfPerformanceEarnedDuringYearThree_pid_dp_uPure_zKCrt4GF1fWa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2022</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.29</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.99</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.69</td><td style="text-align: left">%</td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_zfC4LxMPFaKf" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_zp0ht15OAQOl" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_zoHYmI4OOr5e" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Earnings Per Share Metrics</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Performance Period Ending</td> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Threshold</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Target</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Stretch</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 5.4pt; width: 40%"> </td> <td style="width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td></tr> <tr id="xdx_400_ecustom--ThreeYearCumulativeEarningsPerShareDiluted_pid_uUSDPShares_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member_zhkiLAdg67i1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Three-year Cumulative Diluted Earnings Per Share</td> <td> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.65</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.80</td><td style="text-align: left"> </td></tr> </table> 0.0500 0.0548 0.0600 0.0562 0.0624 0.0686 0.0629 0.0699 0.0769 1.50 1.65 1.80 0.50 1 1.50 50155 59268 700000 122362 122362 61181 61181 0.50 <p id="xdx_898_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2021TableTextBlock_zHcbGFwhTwXk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2021 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_zYKbw3MjQgAg" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_zN0lenSAqpqj" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_zkwf8KZ0Wz9j" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Return on Equity Metrics</td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Performance Period Ending</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Threshold</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Target</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Stretch</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_404_ecustom--PercentageOfPerformanceEarnedDuringYearFour_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member_zEJDROENzJzb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2021</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: center">5.63%</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: center">6.25%</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: center">7.50%</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--PercentageOfPerformanceEarnedDuringYearFive_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member_zsSFWAP6ABOd" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2022</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">5.85%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">6.50%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">7.80%</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--PercentageOfPerformanceEarnedDuringYearSix_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member_z1Fa8yk0DSs6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2023</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">6.08%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">6.75%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">8.10%</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_zOuOOITgC8bf" style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_ziVmX4I4ufBg"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_zaphdyfsZZ3g" style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td> </td> <td colspan="7" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Earnings Per Share Metrics</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Threshold</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Target</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Stretch</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 5.4pt; width: 57%"> </td><td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td></tr> <tr id="xdx_40C_ecustom--ThreeYearCumulativeEarningsPerShareDilutedTwo_pid_uUSDPShares_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2021Member_zaRz4BZQqSc8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Three-year Cumulative Diluted Earnings Per Share</td><td> </td> <td> </td> <td style="text-align: center">$1.58</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">$1.97</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">$2.36</td><td style="text-align: left"> </td></tr> </table> 0.0563 0.0625 0.0750 0.0585 0.0650 0.0780 0.0608 0.0675 0.0810 1.58 1.97 2.36 137151 137151 77463 17775 P1Y 59688 59688 0.50 <p id="xdx_895_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2022TableTextBlock_z57uCmWJwsG3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2022 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_zARV0gOEtso1" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_zLhdT8puq66b" style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_zNmxHOozI1cl"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="8" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Return on Equity Metrics</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Performance Period Ending</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Threshold</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Target</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Stretch</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td> <td colspan="2" style="text-align: right"> </td></tr> <tr id="xdx_40A_ecustom--PercentageOfPerformanceEarnedDuringYearSeven_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zmxDbqZzas66" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 57%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2022</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 12%; text-align: center">7.79%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 12%; text-align: center">8.20%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 12%; text-align: center">8.61%</td></tr> <tr id="xdx_407_ecustom--PercentageOfPerformanceEarnedDuringYearEight_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zHSCbcUCbTw8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2023</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">7.93%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">8.35%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">8.77%</td></tr> <tr id="xdx_406_ecustom--PercentageOfPerformanceEarnedDuringYearNine_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zxKZfVTDSP65" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2024</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">8.03%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">8.45%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">8.87%</td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_z4maN3sowwl4" style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_z7fDZDkGAd2"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_zj0AncUbv2q6" style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Earnings Per Share Metrics</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Performance Period Ending</td> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Threshold</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Target</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Stretch</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 5.4pt; width: 57%"> </td> <td style="width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td></tr> <tr id="xdx_409_ecustom--ThreeYearCumulativeEarningsPerShareDilutedThree_pid_uUSDPShares_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2022Member_zmgHWjVGdWC9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Three-year Cumulative Diluted Earnings Per Share</td> <td> </td><td> </td> <td style="text-align: center">$2.35</td><td style="text-align: center"> </td><td style="text-align: center"> </td> <td style="text-align: center">$2.61</td><td style="text-align: center"> </td><td style="text-align: center"> </td> <td style="text-align: center">$2.85</td><td style="text-align: left"> </td></tr> </table> 0.0779 0.0820 0.0861 0.0793 0.0835 0.0877 0.0803 0.0845 0.0887 2.35 2.61 2.85 139196 139196 78697 18198 P1Y 60499 60499 0.50 <p id="xdx_89E_ecustom--ScheduleOfOriginalAndAdjustedThresholdAndTargetMetricsUnderLTIPlans2023TableTextBlock_zgYiuUibeBub" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The threshold, target and stretch metrics under the 2023 Incentive Plan are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_zd2iIoaDROA7" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_z1baZdNEw0U8" style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_zd0zxktdxVNe"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="8" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Return on Equity Metrics</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Performance Period Ending</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Threshold</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Target</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Stretch</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td> <td colspan="2" style="text-align: right"> </td></tr> <tr id="xdx_402_ecustom--PercentageOfPerformanceEarnedDuringYearTen_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zWYs6QYGKEol" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 57%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2023</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 12%; text-align: center">8.00%</td><td style="text-align: center; width: 1%"> </td> <td style="width: 1%; text-align: center"> </td><td style="width: 12%; text-align: center">8.45%</td><td style="text-align: center; width: 1%"> </td> <td style="width: 1%; text-align: center"> </td><td style="width: 12%; text-align: center">  8.85%</td></tr> <tr id="xdx_407_ecustom--PercentageOfPerformanceEarnedDuringYearEleven_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zSqsGbIjVPfg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2024</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">8.75%</td><td style="text-align: center"> </td> <td style="text-align: center"> </td><td style="text-align: center">9.25%</td><td style="text-align: center"> </td> <td style="text-align: center"> </td><td style="text-align: center">  9.75%</td></tr> <tr id="xdx_400_ecustom--PercentageOfPerformanceEarnedDuringYearTwelve_pid_dp_uPure_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zItqtTcDyAKg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2025</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: center">9.00%</td><td style="text-align: center"> </td> <td style="text-align: center"> </td><td style="text-align: center">9.50%</td><td style="text-align: center"> </td> <td style="text-align: center"> </td><td style="text-align: center">10.00%</td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_496_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--ThresholdMember_zlUAe5yJNO2h" style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td id="xdx_493_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--TargetMember_zBZEnWcK43Cj"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td id="xdx_491_20200101__20201231__us-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2020Member__us-gaap--VestingAxis__custom--StretchMember_zwnffiPyMTC5" style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td> </td> <td colspan="7" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Earnings Per Share Metrics</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Performance Period Ending</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Threshold</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Target</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Stretch</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 5.4pt; width: 57%"> </td><td style="width: 1%"> </td> <td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: right; width: 12%"> </td><td style="text-align: left; width: 1%"> </td></tr> <tr id="xdx_40D_ecustom--ThreeYearCumulativeEarningsPerShareDilutedFour_pid_uUSDPShares_hus-gaap--PlanNameAxis__custom--LongTermIncentiveProgramCurrent2023Member_zv54qtwAxNYd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Three-year Cumulative Diluted Earnings Per Share</td><td> </td> <td> </td> <td style="text-align: center">$2.39</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">$2.65</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">$2.89</td><td style="text-align: left"> </td></tr> </table> 0.0800 0.0845 0.0885 0.0875 0.0925 0.0975 0.0900 0.0950 0.1000 2.39 2.65 2.89 304033 <p id="xdx_895_eus-gaap--NonvestedRestrictedStockSharesActivityTableTextBlock_z9KOGITuS559" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A summary of the status of restricted stock awards at September 30, 2023 and September 30, 2022 is presented below:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: left; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Weighted Average <br/> Grant Date Fair <br/> Value</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>($)</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; width: 50%; text-align: left; text-indent: -0.125in">Balance at December 31, 2022</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iS_pid_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zRBIUD4MwqXl" style="width: 12%; text-align: right" title="Beginning balance">206,092</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iS_pp2p0_uUSDPShares_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zLtVcY1N4AB5" style="width: 12%; text-align: right" title="Beginning balance">8.85</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.25in; text-align: left; text-indent: -0.125in">Shares granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zqP0sdnYHnai" style="text-align: right" title="Shares granted">158,957</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z822h5Y11NKc" style="text-align: right" title="Shares granted">9.79</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.25in; text-align: left; padding-bottom: 1pt; text-indent: -0.125in">Shares vested</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_iN_pid_di_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zCJxX5VX4IAh" style="border-bottom: Black 1pt solid; text-align: right" title="Shares vested">(66,817</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zALSIf2ogyk8" style="padding-bottom: 1pt; text-align: right" title="Shares vested">9.07</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in">Balance at September 30, 2023</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iE_pid_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zTwhwI4xCnjk" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance">298,232</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iE_pp2p0_uUSDPShares_c20230101__20230930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zsoZrPrS8GZ6" style="padding-bottom: 2.5pt; text-align: right" title="Ending balance">9.30</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Weighted Average <br/> Grant Date Fair <br/> Value</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>($)</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 50%; padding-left: 0.125in">Balance at December 31, 2021</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iS_pid_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zPzsxLPSE8Jf" style="width: 12%; text-align: right">213,381</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iS_pp2p0_uUSDPShares_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z2sM8xZpcrdb" style="width: 12%; text-align: right">8.91</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in">Shares granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_pid_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zIQKZn24oRn7" style="text-align: right">144,440</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z4Efyzks7Zt1" style="text-align: right">9.14</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Shares forfeited</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_iNP3us-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_pid_di_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zGxmkdjEYdeg" style="text-align: right" title="Shares forfeited">(24,440</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_iP3us-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_pp2p0_uUSDPShares_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z0DQfrQHVN0k" style="text-align: right" title="Shares forfeited">8.73</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-bottom: 1pt; padding-left: 0.25in">Shares vested</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_iN_pid_di_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z3OFWObaCvOa" style="border-bottom: Black 1pt solid; text-align: right">(60,009</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_pp2p0_uUSDPShares_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zzSRBRaCL1t" style="padding-bottom: 1pt; text-align: right">9.77</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Balance at September 30, 2022</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_iE_pid_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_zJkHZU3duYyk" style="border-bottom: Black 2.5pt double; text-align: right">273,372</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_iE_pp2p0_uUSDPShares_c20220101__20220930__us-gaap--AwardTypeAxis__us-gaap--RestrictedStockMember_z2Zvi9U9Lw03" style="padding-bottom: 2.5pt; text-align: right">8.86</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 206092 8.85 158957 9.79 66817 9.07 298232 9.30 213381 8.91 144440 9.14 24440 8.73 60009 9.77 273372 8.86 1100000 804000 <p id="xdx_80B_eus-gaap--DebtDisclosureTextBlock_zWSRG9NmMRl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8. <span id="xdx_822_zU2awsqo6Mha">SHORT-TERM BORROWINGS AND LONG-TERM DEBT</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We utilize short-term borrowings and long-term debt as additional sources of funds to finance our lending and investing activities and to provide liquidity for daily operations. Total borrowing capacity includes borrowing arrangements at the FHLB, the Federal Reserve Bank (“FRB”), and borrowing arrangements with correspondent banks.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Short-term borrowings can consist of FHLB advances with an original maturity of less than one year, overnight Ideal Way line of credit advances and other borrowings held as collateral for customer swap arrangements. Other borrowings totaled <span id="xdx_90E_eus-gaap--OtherBorrowings_iI_pn5n6_c20230930_zFT7u31nOT3c" title="Other borrowings">$8.9</span> million with a weighted average rate of <span id="xdx_906_eus-gaap--DebtWeightedAverageInterestRate_iI_pid_uPure_c20230930_zZqoO1rbL093" title="Weighted average rate">5.33%</span> at September 30, 2023, compared to <span id="xdx_906_eus-gaap--OtherBorrowings_iI_pn5n6_c20221231_z9P3EjdZsXkh" title="Other borrowings">$6.4</span> million with a weighted average rate of <span id="xdx_903_eus-gaap--DebtWeightedAverageInterestRate_iI_pid_uPure_c20221231_zVwBnnRkqQl7" title="Weighted average rate for other borrowings">4.33%</span> at December 31, 2022. Short-term borrowings issued by the FHLB were $<span id="xdx_904_eus-gaap--ShortTermBorrowings_iI_pn5n6_c20221231__us-gaap--DebtInstrumentAxis__us-gaap--FederalHomeLoanBankBorrowingsMember_zSsCRu5oOuAb" title="Short term borrowings">35</span>.0 million with a weighted average rate of <span id="xdx_900_eus-gaap--ShortTermDebtWeightedAverageInterestRate_iI_pid_uPure_c20221231__us-gaap--DebtInstrumentAxis__us-gaap--FederalHomeLoanBankBorrowingsMember_zJ8lRR7t1kS6" title="Weighted average rate for short term debt">4.38%</span> at December 31, 2022. There were no short-term borrowings issued by the FHLB outstanding at September 30, 2023.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">FHLB advances provide more pricing and option alternatives for particular asset/liability needs. The FHLB provides a central credit facility primarily for member institutions. As an FHLB member, the Company is required to own capital stock of the FHLB, calculated periodically based primarily on its level of borrowings from the FHLB. FHLB borrowings are secured by certain securities from the Company’s investment portfolio not otherwise pledged as well as certain residential real estate and commercial real estate loans. Advances are made under several different credit programs with different lending standards, interest rates and range of maturities. This relationship is an integral component of the Company’s asset-liability management program. At September 30, 2023, the Bank had $<span id="xdx_907_eus-gaap--DebtInstrumentUnusedBorrowingCapacityAmount_iI_pn5n6_c20230930__us-gaap--DebtInstrumentAxis__us-gaap--FederalHomeLoanBankBorrowingsMember_zT90EAkhWrDe" title="Borrowing capacity">542</span>.0 million in additional borrowing capacity from the FHLB.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company also has an available overnight Ideal Way line of credit with the FHLB of <span id="xdx_909_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pn5n6_c20230930__us-gaap--LineOfCreditFacilityAxis__us-gaap--LineOfCreditMember_zNVa1voW87B1">$<span id="xdx_907_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pn5n6_c20221231__us-gaap--LineOfCreditFacilityAxis__us-gaap--LineOfCreditMember_zoisc3xxovpd">9.5</span></span> million. Interest on this line of credit is payable at a rate determined and reset by the FHLB on a daily basis. The outstanding principal is due daily but the portion not repaid will be automatically renewed. The Company has an available line of credit of $<span id="xdx_905_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pn5n6_c20230930__us-gaap--LineOfCreditFacilityAxis__custom--FederalReserveBankDiscountWindowMember_zgd6M2qRI1mc" title="Line of credit available">48.4</span> million with the FRB Discount Window at an interest rate determined and reset on a daily basis. Borrowings from the FRB Discount Window are secured by certain securities from the Company’s investment portfolio not otherwise pledged. As of September 30, 2023 and December 31, 2022, there were no advances outstanding under either of these lines.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company also has pre-established, non-collateralized overnight borrowing arrangements with large national and regional correspondent banks to provide additional overnight and short-term borrowing capacity for the Company. The Company has a $<span id="xdx_902_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pdn6_c20221231__us-gaap--LineOfCreditFacilityAxis__custom--Bank1Member_zGu8PxvkinFe"><span id="xdx_904_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pdn6_c20230930__us-gaap--LineOfCreditFacilityAxis__custom--Bank1Member_znZ0TsGkFnld">15</span></span>.0 million line of credit with a correspondent bank and a $<span id="xdx_909_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pdn6_c20230930__us-gaap--LineOfCreditFacilityAxis__custom--BankMember_zUejfP6uI9U4"><span id="xdx_901_eus-gaap--LineOfCreditFacilityCurrentBorrowingCapacity_iI_pdn6_c20221231__us-gaap--LineOfCreditFacilityAxis__custom--BankMember_zAREkrKa6wQc">10</span></span>.0 million line of credit with another correspondent bank, both at an interest rate determined and reset on a daily basis. As of September 30, 2023 and December 31, 2022, there were no advances outstanding under these lines.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Long-term debt consists of FHLB and FRB advances with an original maturity of one year or more. On March 12, 2023, the FRB made available the BTFP, which enhances the ability of banks to borrow greater amounts against certain high-quality, unencumbered investments at par value. During the nine months ended September 30, 2023, the Company participated in the BTFP, which enabled the Company to pay off higher rate FHLB advances. With the BTFP, the Company has the ability to pay off the BTFP advance prior to maturity without incurring a penalty or termination fee.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At September 30, 2023, long-term debt consisted of <span id="xdx_90D_eus-gaap--LongTermDebt_iI_pn5n6_c20230930__us-gaap--LongtermDebtTypeAxis__us-gaap--FederalHomeLoanBankAdvancesMember_z31yvUfuhtZg" title="Long-term Debt">$31.2</span> million in outstanding advances with the FHLB with a weighted average fixed rate of <span id="xdx_900_eus-gaap--LongtermDebtWeightedAverageInterestRate_iI_c20230930__us-gaap--LongtermDebtTypeAxis__us-gaap--FederalHomeLoanBankAdvancesMember_zKyRGixqDfT4" title="Weighted average fixed rate">4.72%</span> and $<span id="xdx_90C_eus-gaap--LongTermDebt_iI_pn5n6_c20230930__us-gaap--LongtermDebtTypeAxis__custom--FederalReserveBankTermFundingProgramMember_zCeKplUrL85j" title="Long-term Debt">90</span>.0 million in outstanding advances under the BTFP with a weighted average fixed rate of <span id="xdx_90B_eus-gaap--LongtermDebtWeightedAverageInterestRate_iI_c20230930__us-gaap--LongtermDebtTypeAxis__custom--FederalReserveBankTermFundingProgramMember_zlvAPRlEF1Oh">4.71%</span>, compared to <span id="xdx_90F_eus-gaap--LongTermDebt_iI_pn5n6_c20221231__us-gaap--LongtermDebtTypeAxis__us-gaap--FederalHomeLoanBankAdvancesMember_z5m9XgUgrDI9">$1.2</span> million in long-term debt with the FHLB at December 31, 2022. There were no advances outstanding with the FRB under the BTFP at December 31, 2022. At September 30, 2023, the Company had $<span id="xdx_906_eus-gaap--DebtInstrumentUnusedBorrowingCapacityAmount_iI_pn5n6_c20230930__us-gaap--LongtermDebtTypeAxis__custom--FederalReserveBankTermFundingProgramMember_zilZpbXaXa0l" title="Borrowing capacity">25.3</span> million in available borrowing capacity under the BTFP.</span></p> 8900000 0.0533 6400000 0.0433 35000000 0.0438 542000000 9500000 9500000 48400000 15000000 15000000 10000000 10000000 31200000 0.0472 90000000 0.0471 1200000 25300000 <p id="xdx_80C_eus-gaap--LongTermDebtTextBlock_zU6jW2o1iSUd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>9. <span id="xdx_82B_zz8DXgma3WUi">SUBORDINATED DEBT</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On April 20, 2021, the Company completed an offering of $<span id="xdx_90A_eus-gaap--DebtInstrumentFaceAmount_iI_pn5n6_c20210420__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zlmJnZUMthKl" title="Principal amount">20</span>.0 million in aggregate principal amount of its <span id="xdx_909_eus-gaap--DebtInstrumentInterestRateStatedPercentage_iI_dp_c20230930__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember__us-gaap--DebtInstrumentRedemptionPeriodAxis__us-gaap--DebtInstrumentRedemptionPeriodOneMember_z2sZrXlYMSih" title="Interest rate">4.875</span>% fixed-to-floating rate subordinated notes (the “Notes”) to certain qualified institutional buyers in a private placement transaction. At March 31, 2023, <span id="xdx_90A_eus-gaap--DebtInstrumentCarryingAmount_iI_pn5n6_c20230331__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zyWYAGJUBKWe" title="Principal amount outstanding">$19.7</span> million aggregate principle amount of the Notes was outstanding.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unless earlier redeemed, the Notes mature on <span id="xdx_908_eus-gaap--DebtInstrumentMaturityDate_dd_c20230101__20230930__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zjCgKojRXk8" title="Maturity Date">May 1, 2031</span>. The Notes will bear interest from the initial issue date to, but excluding, <span id="xdx_90A_eus-gaap--DebtInstrumentRedemptionPeriodStartDate_dd_c20230101__20230930__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zwwFKS7q4ye4" title="Earliest redemption date">May 1, 2026</span>, or the earlier redemption date, at a fixed rate of <span id="xdx_904_eus-gaap--DebtInstrumentInterestRateStatedPercentage_iI_dp_uPure_c20230930__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember__us-gaap--DebtInstrumentRedemptionPeriodAxis__us-gaap--DebtInstrumentRedemptionPeriodOneMember_zOzcMA218o3" title="Interest rate">4.875</span>% per annum, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year, beginning August 1, 2021, and from and including May 1, 2026, but excluding the maturity date or earlier redemption date, equal to the benchmark rate, which is the <span id="xdx_90D_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20230101__20230930__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember__us-gaap--DebtInstrumentRedemptionPeriodAxis__us-gaap--DebtInstrumentRedemptionPeriodTwoMember_zXeWrYmo8fCf" title="Benchmark rate">90-day average secured overnight financing rate</span>, plus <span id="xdx_905_eus-gaap--DebtInstrumentBasisSpreadOnVariableRate1_pp4p4_uPure_c20230101__20230930__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember__us-gaap--DebtInstrumentRedemptionPeriodAxis__us-gaap--DebtInstrumentRedemptionPeriodTwoMember_zKnWl0GM2ayb" title="Interest rate basis spread">412</span> basis points, determined on the determination date of the applicable interest period, payable quarterly in arrears on May 1, August 1, November 1 and February 1 of each year. The Company may also redeem the Notes, in whole or in part, on or after <span id="xdx_904_eus-gaap--DebtInstrumentRedemptionPeriodStartDate_dd_c20230101__20230930__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zbA7scA5loVe" title="Earliest redemption date">May 1, 2026</span>, and at any time upon the occurrence of certain events, subject in each case to the approval of the Board of Governors of the Federal Reserve System (the “Federal Reserve”). The Notes were designed to qualify as Tier 2 capital under the Federal Reserve’s capital adequacy regulations.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Notes are presented net of issuance costs of <span id="xdx_906_eus-gaap--DeferredFinanceCostsNet_iI_pn3p0_c20230930__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_z3UCJIR1ajY5" title="Issuance costs">$298,000</span> as of September 30, 2023, which are being amortized into interest expense over the life of the Notes. Amortization of issuance costs into interest expense was <span id="xdx_904_eus-gaap--AmortizationOfFinancingCosts_pn3p0_c20230101__20230930__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zMKSBtgUmP72" title="Amortization of subordinated debt issuance costs">$29,000</span> and <span id="xdx_907_eus-gaap--AmortizationOfFinancingCosts_pn3p0_c20220101__20220930__us-gaap--LongtermDebtTypeAxis__us-gaap--SubordinatedDebtMember_zq5rI3sC3Mqk">$30,000</span> for the nine months ended September 30, 2023 and 2022, respectively.</span></p> 20000000 0.04875 19700000 2031-05-01 2026-05-01 0.04875 90-day average secured overnight financing rate 0.0412 2026-05-01 298000 29000 30000 <p id="xdx_808_eus-gaap--PensionAndOtherPostretirementBenefitsDisclosureTextBlock_zZsG01cAz0ik" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>10. <span id="xdx_82F_zQY2cj5k0fQd">PENSION BENEFITS</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Board of Directors previously announced the termination of the Westfield Bank Defined Benefit Pension Plan (the “DB Plan”) on October 31, 2022, subject to pending regulatory approval. At December 31, 2022, the Company reversed <span id="xdx_90E_eus-gaap--OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax_pn5n6_c20221001__20221231__us-gaap--RetirementPlanTypeAxis__us-gaap--PensionPlansDefinedBenefitMember_zODyHxei2rAf" title="Net unrealized losses reversed">$7.3</span> million in net unrealized losses recorded in accumulated other comprehensive income attributed to both the DB plan curtailment resulting from the termination of the DB Plan as well as changes in discount rates. In addition, during the three months ended December 31, 2022, the Company recorded a gain on curtailment of <span id="xdx_901_eus-gaap--DefinedBenefitPlanRecognizedNetGainLossDueToCurtailments_pn5n6_c20221001__20221231__us-gaap--RetirementPlanTypeAxis__us-gaap--PensionPlansDefinedBenefitMember_zqyEZp6HOuA8" title="Gain on defined benefit plan curtailment">$2.8</span> million through non-interest income. On April 11, 2023, the Company made an additional cash contribution of <span id="xdx_90F_eus-gaap--PensionAndOtherPostretirementBenefitContributions_pn5n6_c20230410__20230411__us-gaap--RetirementPlanTypeAxis__us-gaap--PensionPlansDefinedBenefitMember_zECAkUatc95g" title="Additional cash contribution">$1.3</span> million in order to fully fund the DB Plan on a plan termination basis, and on April 14, 2023, for those participants who did not opt for a one-time lump sum payment, the Company funded <span id="xdx_901_eus-gaap--DeferredCompensationArrangementWithIndividualContributionsByEmployer_pn5n6_c20230413__20230414__us-gaap--RetirementPlanTypeAxis__us-gaap--PensionPlansDefinedBenefitMember_zlu4L4GvHpbh" title="Premium to purchase annuity contracts">$6.3</span> million to purchase a group annuity contract to transfer its remaining liabilities under the DB Plan. On June 30, 2023, the Company recognized the final settlement expense of <span id="xdx_90D_eus-gaap--DefinedBenefitPlanRecognizedNetGainLossDueToSettlements1_pn5n6_c20230629__20230630__us-gaap--RetirementPlanTypeAxis__us-gaap--PensionPlansDefinedBenefitMember_zXw307OdYYN3" title="Defined benefit plan settlemet expense">$1.1</span> million related to the DB Plan termination, which was recorded through non-interest income.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_897_eus-gaap--ScheduleOfDefinedBenefitPlansDisclosuresTextBlock_zYveZLiBIG25" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following table provides information regarding net pension benefit costs for the periods shown:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_499_20230701__20230930_zKH0MJEOwLz2" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_490_20220701__20220930_zMyhyHNCzWU8" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49B_20230101__20230930_zFjaGL9CVCcg" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49F_20220101__20220930_zHK9pgoVgBK6" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_406_eus-gaap--DefinedBenefitPlanServiceCost_maCzap0_zq79PB5JHZTh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: -0.125in; padding-left: 0.125in">Service cost</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2873">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">334</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2875">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,002</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--DefinedBenefitPlanInterestCost_maCzap0_ztw83IgDPaQ1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Interest cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2878">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">312</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">487</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">937</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanExpectedReturnOnPlanAssets_iN_di_msCzap0_zZsybFnVVgkb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Expected return on assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2883">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(426</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(333</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,279</td><td style="text-align: left">)</td></tr> <tr id="xdx_408_eus-gaap--DefinedBenefitPlanAmortizationOfGainsLosses_iN_di_msCzap0_zHM0tngAOk7f" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in">Amortization of actuarial loss</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2888">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">158</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2890">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">475</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DefinedBenefitPlanNetPeriodicBenefitCost_iT_mtCzap0_zCCD13qw6OKi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in">Net periodic pension cost</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2893">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">378</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">154</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,135</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A6_zEV2DB1JKyZ3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> 7300000 2800000 1300000 6300000 1100000 <p id="xdx_897_eus-gaap--ScheduleOfDefinedBenefitPlansDisclosuresTextBlock_zYveZLiBIG25" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following table provides information regarding net pension benefit costs for the periods shown:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_499_20230701__20230930_zKH0MJEOwLz2" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_490_20220701__20220930_zMyhyHNCzWU8" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49B_20230101__20230930_zFjaGL9CVCcg" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49F_20220101__20220930_zHK9pgoVgBK6" style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Three Months Ended</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Nine Months Ended,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_406_eus-gaap--DefinedBenefitPlanServiceCost_maCzap0_zq79PB5JHZTh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; text-indent: -0.125in; padding-left: 0.125in">Service cost</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2873">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">334</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2875">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,002</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--DefinedBenefitPlanInterestCost_maCzap0_ztw83IgDPaQ1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Interest cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2878">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">312</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">487</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">937</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanExpectedReturnOnPlanAssets_iN_di_msCzap0_zZsybFnVVgkb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Expected return on assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2883">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(426</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(333</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,279</td><td style="text-align: left">)</td></tr> <tr id="xdx_408_eus-gaap--DefinedBenefitPlanAmortizationOfGainsLosses_iN_di_msCzap0_zHM0tngAOk7f" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in">Amortization of actuarial loss</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2888">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">158</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2890">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">475</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DefinedBenefitPlanNetPeriodicBenefitCost_iT_mtCzap0_zCCD13qw6OKi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in">Net periodic pension cost</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2893">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">378</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">154</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,135</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 334000 1002000 312000 487000 937000 426000 333000 1279000 -158000 -475000 378000 154000 1135000 <p id="xdx_800_eus-gaap--DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_zS5Jn76hbkkj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>11. <span id="xdx_822_zGmmqh9rj6c4">DERIVATIVES AND HEDGING ACTIVITIES</span> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Risk Management Objective of Using Derivatives.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company is exposed to certain risks arising from both our business operations and economic conditions. We principally manage our exposures to a wide variety of business and operational risks through management of our core business activities. We manage economic risks, including interest rate, liquidity, and credit risk, primarily by managing the amount, sources, and duration of our assets and liabilities and the use of derivative financial instruments. Specifically, we entered into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. Our derivative financial instruments are used to manage differences in the amount, timing, and duration of our known or expected cash receipts and our known or expected cash payments principally related to certain variable rate loan assets and variable rate borrowings.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Fair Value Hedges of Interest Rate Risk.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company is exposed to changes in the fair value of certain pools of fixed-rate assets due to changes in benchmark interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in the designated benchmark interest rate. The Company's interest rate swaps designated as fair value hedges involve the payment of fixed-rate amounts to a counterparty in exchange for the Company receiving variable-rate payments over the life of the agreements without the exchange of the underlying notional amount.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in interest income<b>. </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_895_eus-gaap--ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_zqGoV60BpbEe" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As of September 30, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; padding-left: 0pt; font-weight: bold; text-indent: 0pt"><span style="text-decoration: underline">Item in the Balance Sheet in which the Hedged Item is Included</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Carrying Amount of Hedged <br/> Assets/(Liabilities)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Cumulative Amount of Fair Value <br/> Hedging Adjustments Included in the <br/> Carrying Amount of Hedged <br/> Assets/(Liabilities)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0pt; text-align: center; text-indent: 0pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, <br/> 2023</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, <br/> 2022</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, <br/> 2023</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, <br/> 2022</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0pt; text-indent: 0pt"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; padding-bottom: 1pt; text-indent: 0pt; padding-left: 0pt">Loans</td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zWiiUJOijoNj" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">198,237</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zNoq0jAK0ffe" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">(1,763</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 0pt; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20230930_zeBYfwMZDwq4" style="border-bottom: Black 2.5pt double; text-align: right" title="Carrying Amount of Hedged Assets/(Liabilities)">198,237</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_iI_pn3n3_c20230930_zcg2YqFphGme" style="border-bottom: Black 2.5pt double; text-align: right" title="Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities)">(1,763</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A6_zYxXe9A7H1N3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">These amounts include the amortized cost basis of closed portfolios of fixed rate residential loans used to designate hedging relationships in which the hedged item is the stated amount of assets in the closed portfolio anticipated to be outstanding for the designated hedged period. At September 30, 2023, the amortized cost basis of the closed portfolios used in these hedging relationships was <span id="xdx_902_eus-gaap--PrepayableFinancialAssetClosedPortfolioLastOfLayerAmortizedCost_iI_pn5n6_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zIzPG05coCkh" title="Amortized cost basis of closed portfolios">$473.1</span> million; the cumulative basis adjustments associated with these hedging relationships was approximately <span id="xdx_90E_eus-gaap--HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_iNI_pn5n6_di_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zIBAi8tKl6v7" title="Cumulative basis adjustments">$1.8</span> million; and the notional amount of the designated hedged items were approximately $<span id="xdx_90B_eus-gaap--DerivativeAssetNotionalAmount_iI_pn5n6_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zic0UhyTQakk" title="Notional amount">200</span>.0 million. The Company had no fair value hedges at December 31, 2022. The notional amounts of these agreements do not represent amounts exchanged by the parties and, thus, are not a measure of the potential loss exposure. At September 30, 2023, the Company’s fair value hedges had a remaining maturity of <span id="xdx_902_eus-gaap--DerivativeRemainingMaturity1_iI_dtY_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zPMWGZmywyLe" title="Remaining maturity">1.1</span> years, and an average fixed rate of <span id="xdx_907_eus-gaap--DerivativeAverageFixedInterestRate_iI_dt_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zvGUNYJn6HB2" title="Average fixed rate">4.43%</span>.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Non-hedging Derivatives.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Derivatives not designated as hedges are not speculative, but rather result from a service the Company provides to certain customers. The Company executes loan-level derivative products such as interest-rate swap agreements with commercial banking customers to aid them in managing their interest-rate risk by converting floating-rate loan payments to fixed-rate loan payments. The Company concurrently enters into offsetting swaps with a third-party financial institution, effectively minimizing the Company’s net risk exposure resulting from such transactions. The third-party financial institution exchanges the customer's fixed-rate loan payments for floating-rate loan payments. As the interest-rate swap agreements associated with this program do not meet hedge accounting requirements, changes in the fair value are recognized directly in earnings.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Fair Values of Derivative Instruments on the Balance Sheet.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_89C_eus-gaap--FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock_zEUj4c04hO79" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of September 30, 2023 and December 31, 2022.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; padding-bottom: 1pt; font-weight: bold; text-indent: -0.125in"><span style="text-decoration: underline">September 30, 2023</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Asset Derivatives</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Liability Derivatives</td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: center; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance Sheet Location</td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance Sheet Location</td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="11" style="text-align: center">(In thousands)</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Hedging Derivatives</td><td> </td> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 46%; text-align: left; padding-left: 0.25in">Interest rate swaps - fair value hedges</td><td style="width: 1%"> </td> <td style="width: 12%; padding-left: 5.4pt"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zLxt1PpvbCQg" style="width: 8%; text-align: right" title="Fair value of derivative assets">1,799</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 12%; text-align: center; padding-left: 5.4pt"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zb0hacXmXMb8" style="width: 8%; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl2922">—</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Derivatives not designated as hedging instruments:</td><td> </td> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Interest rate swap – with customer counterparties</td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zzN1xvVclbJ2" style="text-align: right" title="Fair value of derivative assets"><span style="-sec-ix-hidden: xdx2ixbrl2924">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_z1fSJCRQUzMb" style="text-align: right" title="Fair value of derivative liability">7,087</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Interest rate swap – with dealer counterparties</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_zO13HA7uCA5g" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative assets">7,087</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_z0QKVkmj8tp7" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl2930">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Total derivatives</td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_902_eus-gaap--DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20230930_zP7BpBBPVJOa" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2023%23OtherAssets"><span style="-sec-ix-hidden: xdx2ixbrl2931">Other Assets</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zZMVpYXLCAyf" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative assets">8,886</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_908_eus-gaap--DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20230930_zDTclYUKkKV8" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2023%23OtherLiabilities"><span style="-sec-ix-hidden: xdx2ixbrl2934">Other Liabilities</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zZ234huERhE2" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative liability">7,087</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; padding-bottom: 1pt; font-weight: bold; text-indent: -0.125in"><span style="text-decoration: underline">December 31, 2022</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Asset Derivatives</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Liability Derivatives</td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: center; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance Sheet Location</td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance Sheet Location</td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="11" style="text-align: center">(In thousands)</td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in">Derivatives not designated as hedging instruments:</td><td> </td> <td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Interest rate swap – with customer counterparties</td><td style="width: 1%"> </td> <td style="width: 12%; text-align: center; padding-left: 5.4pt"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20221231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zsuvV4X6ajf4" style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2937">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 12%; text-align: center; padding-left: 5.4pt"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20221231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zkEU4Fyj7dZ6" style="width: 8%; text-align: right">6,343</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Interest rate swap – with dealer counterparties</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20221231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_z8muMAEMo9c5" style="border-bottom: Black 1pt solid; text-align: right">6,343</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20221231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_zVl35MMPRvo8" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2940">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Total derivatives not designated as hedging instruments</td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_90D_eus-gaap--DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20221231_zfh4mzAxjORi" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2023%23OtherAssets"><span style="-sec-ix-hidden: xdx2ixbrl2941">Other Assets</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20221231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zhONKF9yQs2g" style="border-bottom: Black 2.5pt double; text-align: right">6,343</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_900_eus-gaap--DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20221231_zZKdDlztgN82" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2023%23OtherLiabilities"><span style="-sec-ix-hidden: xdx2ixbrl2943">Other Liabilities</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20221231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zAlk66myVvyd" style="border-bottom: Black 2.5pt double; text-align: right">6,343</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_8AB_zKqXmzOcm2Ng" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Effect of Derivative Instruments in the Consolidated Statements of Net Income.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89D_eus-gaap--ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_zD5qNjPmDvU8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The table below presents the effect of the Company’s derivative financial instruments on the statements of net income as of September 30, 2023 and September 30, 2022.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 8.65pt; text-indent: -8.65pt"> </td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" id="xdx_490_20230701__20230930__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zqIWTGJblR08" style="text-align: center; vertical-align: bottom"><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p></td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" id="xdx_497_20220701__20220930__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zBBOPpNkCWuk" style="text-align: center; vertical-align: bottom"><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p></td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" id="xdx_493_20230101__20230930__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zXF8LBJA44Me" style="text-align: center; vertical-align: bottom"><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p></td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" id="xdx_495_20220101__20220930__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zpP4UGDIpRrl" style="text-align: center; vertical-align: bottom"><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p></td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Location and Amount of Gain (Loss) Recognized in Income on </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Fair Value Hedging Relationships</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: center; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Three Months Ended </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, 2023</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Three Months Ended </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, 2022</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nine Months Ended </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, 2023</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nine Months Ended </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, 2022</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Interest Income</b></span></td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Interest Income</b></span></td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Interest Income</b></span></td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Interest Income</b></span></td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--GainLossOnFairValueHedgesRecognizedInEarnings_zryP0XTHWGck" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: left; text-indent: -0.125in; padding-left: 0.125in">Total amounts of income line items presented in the statements of net income in which the effects of fair value hedges are recorded</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">406</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2949">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">627</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2951">—</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Gain (loss) on fair value hedging relationships</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Interest rate contracts:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--GainLossFromHedgedFirmCommitmentNotQualifyingAsFairValueHedgeNet_z8kBTk2ShiK7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Hedged items</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(104</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2954">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(1,763</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2956">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--GainLossOnFairValueHedgeIneffectivenessNet_zYcoHiRjPDGb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Derivatives designated as hedging instruments</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">510</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2959">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,390</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2961">—</span></td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A4_zQ6A5u7Vjygd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">There were no gains or losses recognized in accumulated other comprehensive income during the nine months ended September 30, 2023 or 2022.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Credit-risk-related Contingent Features </span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">By using derivative financial instruments, we expose ourselves to credit risk. Credit risk is the risk of failure by the counterparty to perform under the terms of the derivative contract. When the fair value of a derivative contract is positive, the counterparty owes us, which creates credit risk for us. When the fair value of a derivative is negative, we owe the counterparty and, therefore, it does not possess credit risk. The credit risk in derivative instruments is mitigated by entering into transactions with highly-rated counterparties that we believe to be creditworthy and by limiting the amount of exposure to each counterparty.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We have agreements with our derivative counterparties that contain a provision where if we default on any of our indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then we could also be declared in default on our derivative obligations. We also have agreements with certain of our derivative counterparties that contain a provision where if we fail to maintain our status as well capitalized, then the counterparty could terminate the derivative positions and we would be required to settle our obligations under the agreements. Certain of our agreements with our derivative counterparties contain provisions where if a formal administrative action by a federal or state regulatory agency occurs that materially changes our creditworthiness in an adverse manner, we may be required to fully collateralize our obligations under the derivative instrument.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At September 30, 2023, we had minimum collateral posting thresholds with certain of our derivative counterparties. As of September 30, 2023, we were not required to post collateral under these agreements because we did not have any derivatives in a liability position with those counterparties.</span></p> <p id="xdx_895_eus-gaap--ScheduleOfFairValueHedgingInstrumentsStatementsOfFinancialPerformanceAndFinancialPositionLocationTableTextBlock_zqGoV60BpbEe" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As of September 30, 2023, the following amounts were recorded on the balance sheet related to cumulative basis adjustment of fair value hedges:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; padding-left: 0pt; font-weight: bold; text-indent: 0pt"><span style="text-decoration: underline">Item in the Balance Sheet in which the Hedged Item is Included</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Carrying Amount of Hedged <br/> Assets/(Liabilities)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Cumulative Amount of Fair Value <br/> Hedging Adjustments Included in the <br/> Carrying Amount of Hedged <br/> Assets/(Liabilities)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0pt; text-align: center; text-indent: 0pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, <br/> 2023</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, <br/> 2022</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, <br/> 2023</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>At </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, <br/> 2022</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0pt; text-indent: 0pt"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; padding-bottom: 1pt; text-indent: 0pt; padding-left: 0pt">Loans</td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zWiiUJOijoNj" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">198,237</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_iI_pn3n3_c20230930__us-gaap--FinancialInstrumentAxis__us-gaap--LoansMember_zNoq0jAK0ffe" style="border-bottom: Black 1pt solid; width: 10%; text-align: right">(1,763</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td><td style="width: 1%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td style="border-bottom: Black 1pt solid; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: 0pt; font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--HedgedAssetFairValueHedge_iI_pn3n3_c20230930_zeBYfwMZDwq4" style="border-bottom: Black 2.5pt double; text-align: right" title="Carrying Amount of Hedged Assets/(Liabilities)">198,237</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_iI_pn3n3_c20230930_zcg2YqFphGme" style="border-bottom: Black 2.5pt double; text-align: right" title="Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of Hedged Assets/(Liabilities)">(1,763</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 198237000 -1763000 198237000 -1763000 473100000 -1800000 200000000 P1Y1M6D 0.0443 <p id="xdx_89C_eus-gaap--FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationTableTextBlock_zEUj4c04hO79" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The table below presents the fair value of our derivative financial instruments designated as hedging and non-hedging instruments as well as our classification on the balance sheet as of September 30, 2023 and December 31, 2022.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; padding-bottom: 1pt; font-weight: bold; text-indent: -0.125in"><span style="text-decoration: underline">September 30, 2023</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Asset Derivatives</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Liability Derivatives</td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: center; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance Sheet Location</td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance Sheet Location</td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="11" style="text-align: center">(In thousands)</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Hedging Derivatives</td><td> </td> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 46%; text-align: left; padding-left: 0.25in">Interest rate swaps - fair value hedges</td><td style="width: 1%"> </td> <td style="width: 12%; padding-left: 5.4pt"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zLxt1PpvbCQg" style="width: 8%; text-align: right" title="Fair value of derivative assets">1,799</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 12%; text-align: center; padding-left: 5.4pt"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--DesignatedAsHedgingInstrumentMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zb0hacXmXMb8" style="width: 8%; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl2922">—</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Derivatives not designated as hedging instruments:</td><td> </td> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Interest rate swap – with customer counterparties</td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zzN1xvVclbJ2" style="text-align: right" title="Fair value of derivative assets"><span style="-sec-ix-hidden: xdx2ixbrl2924">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_z1fSJCRQUzMb" style="text-align: right" title="Fair value of derivative liability">7,087</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Interest rate swap – with dealer counterparties</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_zO13HA7uCA5g" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative assets">7,087</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_z0QKVkmj8tp7" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of derivative liability"><span style="-sec-ix-hidden: xdx2ixbrl2930">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Total derivatives</td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_902_eus-gaap--DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20230930_zP7BpBBPVJOa" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2023%23OtherAssets"><span style="-sec-ix-hidden: xdx2ixbrl2931">Other Assets</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zZMVpYXLCAyf" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative assets">8,886</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_908_eus-gaap--DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20230930_zDTclYUKkKV8" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2023%23OtherLiabilities"><span style="-sec-ix-hidden: xdx2ixbrl2934">Other Liabilities</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20230930__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zZ234huERhE2" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of derivative liability">7,087</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; padding-bottom: 1pt; font-weight: bold; text-indent: -0.125in"><span style="text-decoration: underline">December 31, 2022</span></td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Asset Derivatives</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Liability Derivatives</td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: center; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance Sheet Location</td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance Sheet Location</td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="11" style="text-align: center">(In thousands)</td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in">Derivatives not designated as hedging instruments:</td><td> </td> <td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; text-align: left; text-indent: -0.125in; padding-left: 0.25in">Interest rate swap – with customer counterparties</td><td style="width: 1%"> </td> <td style="width: 12%; text-align: center; padding-left: 5.4pt"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20221231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zsuvV4X6ajf4" style="width: 8%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2937">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 12%; text-align: center; padding-left: 5.4pt"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20221231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--CustomerCounterpartiesDerivativesMember_zkEU4Fyj7dZ6" style="width: 8%; text-align: right">6,343</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Interest rate swap – with dealer counterparties</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20221231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_z8muMAEMo9c5" style="border-bottom: Black 1pt solid; text-align: right">6,343</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20221231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__custom--DealerCounterpartiesDerivativesMember_zVl35MMPRvo8" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2940">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.25in">Total derivatives not designated as hedging instruments</td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_90D_eus-gaap--DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20221231_zfh4mzAxjORi" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2023%23OtherAssets"><span style="-sec-ix-hidden: xdx2ixbrl2941">Other Assets</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--DerivativeFairValueOfDerivativeAsset_iI_pn3n3_c20221231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zhONKF9yQs2g" style="border-bottom: Black 2.5pt double; text-align: right">6,343</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt; padding-left: 5.4pt"><span id="xdx_900_eus-gaap--DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_iI_dxL_c20221231_zZKdDlztgN82" title="::XDX::http%3A%2F%2Ffasb.org%2Fus-gaap%2F2023%23OtherLiabilities"><span style="-sec-ix-hidden: xdx2ixbrl2943">Other Liabilities</span></span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--DerivativeFairValueOfDerivativeLiability_iI_pn3n3_c20221231__us-gaap--HedgingDesignationAxis__us-gaap--NondesignatedMember_zAlk66myVvyd" style="border-bottom: Black 2.5pt double; text-align: right">6,343</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> 1799000 7087000 7087000 8886000 7087000 6343000 6343000 6343000 6343000 <p id="xdx_89D_eus-gaap--ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_zD5qNjPmDvU8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The table below presents the effect of the Company’s derivative financial instruments on the statements of net income as of September 30, 2023 and September 30, 2022.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 8.65pt; text-indent: -8.65pt"> </td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" id="xdx_490_20230701__20230930__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zqIWTGJblR08" style="text-align: center; vertical-align: bottom"><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p></td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" id="xdx_497_20220701__20220930__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zBBOPpNkCWuk" style="text-align: center; vertical-align: bottom"><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p></td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" id="xdx_493_20230101__20230930__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zXF8LBJA44Me" style="text-align: center; vertical-align: bottom"><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p></td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" id="xdx_495_20220101__20220930__us-gaap--DerivativeInstrumentRiskAxis__us-gaap--InterestRateSwapMember__us-gaap--DerivativeInstrumentsGainLossByHedgingRelationshipAxis__us-gaap--FairValueHedgingMember_zpP4UGDIpRrl" style="text-align: center; vertical-align: bottom"><p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p></td><td style="padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Location and Amount of Gain (Loss) Recognized in Income on </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Fair Value Hedging Relationships</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-align: center; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Three Months Ended </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, 2023</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Three Months Ended </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, 2022</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nine Months Ended </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, 2023</b></span></p></td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nine Months Ended </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>September 30, 2022</b></span></p></td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Interest Income</b></span></td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Interest Income</b></span></td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Interest Income</b></span></td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Interest Income</b></span></td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--GainLossOnFairValueHedgesRecognizedInEarnings_zryP0XTHWGck" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: left; text-indent: -0.125in; padding-left: 0.125in">Total amounts of income line items presented in the statements of net income in which the effects of fair value hedges are recorded</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">406</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2949">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">627</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2951">—</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; text-align: left; padding-left: 0.125in">Gain (loss) on fair value hedging relationships</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Interest rate contracts:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--GainLossFromHedgedFirmCommitmentNotQualifyingAsFairValueHedgeNet_z8kBTk2ShiK7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Hedged items</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(104</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2954">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(1,763</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2956">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--GainLossOnFairValueHedgeIneffectivenessNet_zYcoHiRjPDGb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Derivatives designated as hedging instruments</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">510</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2959">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,390</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2961">—</span></td><td style="text-align: left"> </td></tr> </table> 406000 627000 -104000 -1763000 510000 2390000 <p id="xdx_806_eus-gaap--FairValueDisclosuresTextBlock_z89RkKonkzma" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>12.<span id="xdx_825_zb8wHG2qizcg"> FAIR VALUE OF ASSETS AND LIABILITIES</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Determination of Fair Value.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 22.5pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><i> </i></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We use fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for our various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Methods and assumptions for valuing our financial instruments are set forth below. Estimated fair values are calculated based on the value without regard to any premium or discount that may result from concentrations of ownership of a financial instrument, possible tax ramifications or estimated transaction cost.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: -0.9pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Securities. </b>The securities measured at fair value in Level 1 are based on quoted market prices in an active exchange market. All other securities are measured at fair value in Level 2 and are based on pricing models that consider standard input factors such as observable market data, benchmark yields, interest rate volatilities, broker/dealer quotes, credit spreads and new issue data. These securities include government-sponsored enterprise obligations, state and municipal obligations, corporate bonds, residential mortgage-backed securities guaranteed and sponsored by the U.S. government or an agency thereof. Fair value measurements are obtained from a third-party pricing service and are not adjusted by management.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Interest rate swaps.</b> The valuation of our interest rate swaps is obtained from a third-party pricing service and is determined using a discounted cash flow analysis on the expected cash flows of each derivative. The pricing analysis is based on observable inputs for the contractual terms of the derivatives, including the period to maturity and interest rate curves. We have determined that the majority of the inputs used to value our interest rate derivatives fall within Level 2 of the fair value hierarchy.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Assets and Liabilities Measured at Fair Value on a Recurring Basis.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_898_eus-gaap--ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_zv2RyxEHkFm" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assets and liabilities measured at fair value on a recurring basis are summarized below:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 95%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left; vertical-align: bottom; text-indent: -8.65pt; padding-left: 8.65pt"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_49E_20230930__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zUhB0dBHMb3j" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_49A_20230930__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zhcbQNAimn9j" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_49B_20230930__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z9Yt0QfYKP7a" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_490_20230930__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_zHYQYGabhq5" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40C_eus-gaap--AssetsFairValueDisclosureAbstract_iB_ztvgCPtpVBeh" style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in">Assets:</td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_maCz2V1_zJ76qdHkabDi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 48%; text-align: left; padding-left: 0.125in">Available-for-sale securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2972">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">130,709</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2974">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">130,709</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DerivativeAssets_i01I_maCz2V1_zEh6VKxoOeLg" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Interest rate swaps</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2977">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,886</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2979">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,886</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AssetsFairValueDisclosure_i01TI_mtCz2V1_zdXtUobQ2sf2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in">Total assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2982">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">139,595</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2984">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">139,595</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zqrONI6oVHk7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DerivativeLiabilities_i01I_zPM2s9glS0Y6" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Interest rate swaps</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2992">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,087</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2994">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,087</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 95%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-indent: -8.65pt; padding-left: 8.65pt; text-align: center; vertical-align: bottom; width: 36%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td> <td style="text-align: center; vertical-align: bottom; width: 1%"> </td><td id="xdx_49A_20221231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zdG5F0Ka4aQc" style="text-align: center; vertical-align: bottom; width: 11%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td> <td style="text-align: center; vertical-align: bottom; width: 1%"> </td><td id="xdx_49D_20221231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zRZ3OBzDKyl7" style="text-align: center; vertical-align: bottom; width: 11%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td> <td style="text-align: center; vertical-align: bottom; width: 1%"> </td><td id="xdx_496_20221231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z1JXSfmPU4ve" style="text-align: center; vertical-align: bottom; width: 11%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td> <td style="text-align: center; vertical-align: bottom; width: 1%"> </td><td id="xdx_491_20221231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_z6zWmR7XaUgf" style="text-align: center; vertical-align: bottom; width: 11%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40C_eus-gaap--AssetsFairValueDisclosureAbstract_iB_znluYq9F3FP6" style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in">Assets:</td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_maCz2V1_zfJclFFJA392" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 48%; text-align: left; padding-left: 0.125in">Available-for-sale securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3002">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">146,997</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3004">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">146,997</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--EquitySecuritiesFvNi_iIP3us-gaap--AvailableForSaleSecuritiesDebtSecurities_maCz2V1_zpHcVluM9OEd" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,237</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3008">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3009">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,237</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DerivativeAssets_i01I_maCz2V1_zSeQC8X7plLb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Interest rate swaps</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3012">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6,343</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3014">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6,343</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AssetsFairValueDisclosure_i01TI_mtCz2V1_z5GIFumxhqp" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in">Total assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,237</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">153,340</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3019">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">159,577</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zRM0MM5vRCJh" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DerivativeLiabilities_i01I_zdkAKLqvRZgk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Interest rate swaps</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3027">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,343</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3029">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,343</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AC_zgRW8WvMQeAb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">There were no transfers to or from Level 1 and 2 for assets measured at fair value on a recurring basis at September 30, 2023 and December 31, 2022.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Assets Measured at Fair Value on a Non-recurring Basis.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We may also be required, from time to time, to measure certain other financial assets at fair value on a nonrecurring basis in accordance with generally accepted accounting principles. These adjustments to fair value usually result from application of lower-of-cost-or-market accounting or write-downs of individual assets.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_893_eus-gaap--FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_zmTVi4APDzZ9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of September 30, 2023 and December 31, 2022:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 95%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">At September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Total</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10" style="text-align: center">(In thousands)</td><td> </td><td> </td> <td colspan="2" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Collateral Dependent Loans</td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td id="xdx_983_ecustom--ImpairedLoansFairValue_iI_c20230930__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zSo9GW6d9T8b" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Impaired Loans">239</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--FairValueOptionChangesInFairValueGainLoss1_iN_di_c20230101__20230930__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember_zdQpYUn7d3Jh" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Total losses">1,828</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 95%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">At December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Total</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10" style="text-align: center">(In thousands)</td><td> </td><td> </td> <td colspan="2" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Impaired Loans</td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td id="xdx_98C_ecustom--ImpairedLoansFairValue_iI_c20221231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zqhfWZVWdb51" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Impaired Loans">877</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AF_zTZbJq8yvAD3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The amount of collateral dependent loans represents the carrying value, net of the related write-down or valuation allowance of impaired loans for which adjustments are based on the estimated fair value of the underlying collateral.  The fair value of impaired loans with specific allocations of the allowance for credit losses is generally based on real estate appraisals performed by independent licensed or certified appraisers.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available.  Management will discount appraisals as deemed necessary based on the date of the appraisal and new information deemed relevant to the valuation.  Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Summary of Fair Values of Financial Instruments.</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_891_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_zY32R9SgOHob" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The estimated fair values of our financial instruments are as follows:</span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.25in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_497_20230930__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_zlsYUiw2Uomj" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_492_20230930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zq3lQ546lMA9" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_49B_20230930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zuuaFQ9IfyY6" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_496_20230930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z9pzPX1OYLo4" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_49A_20230930_z26kWNEmtEmh" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Carrying <br/> Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td> </td> <td colspan="18" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--AssetsFairValueDisclosureAbstract_iB_zOakMzZXhivj" style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in">Assets:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_40E_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_i01I_zTI3DUxfdETa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 40%; text-align: left; padding-left: 0.25in">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">62,267</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">62,267</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3050">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3051">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">62,267</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--HeldToMaturitySecuritiesFairValue_i01I_z05nEwygJLDb" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Securities held-to-maturity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">225,020</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,236</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">167,625</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3057">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">176,861</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_zOvRk8ZPQ3Fg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Securities available-for-sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130,709</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3061">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130,709</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3063">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130,709</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--RestrictedInvestmentsAtFairValue_i01I_zAH0zc4cbiTk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Federal Home Loan Bank of Boston and other restricted stock</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,063</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3067">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3068">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,063</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,063</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--LoansReceivableFairValueDisclosure_i01I_zMCU6PIiyxFe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Loans - net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,994,842</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3073">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3074">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,827,262</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,827,262</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--InterestReceivableFairValueDisclosure_i01I_zUjcg5ctCvf2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,281</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3079">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3080">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,281</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,281</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_ecustom--FairValueOfMortgageServicingRights_i01I_zEUNnS2XMcdj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">445</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3085">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">745</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3087">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">745</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DerivativeAssets_i01I_zAHk2IqV0U99" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Derivative asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,886</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3091">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,886</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3093">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,886</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zs96e4YTyPuh" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--DepositsFairValueDisclosure_i01I_zEIwXuJcOOHh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,176,303</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3103">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3104">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,171,517</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,171,517</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--ShorttermDebtFairValue_i01I_zwoEePhhWpBf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Short-term borrowings</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,890</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3109">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,890</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3111">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,890</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--LongTermDebtFairValue_i01I_zFKiC1Q5ZCmk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Long-term debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">121,178</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3115">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,591</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3117">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,591</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_ecustom--SubordinatedDebtFairValue_i01I_z7PkWG7lKSC3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Subordinated debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,702</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3121">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,200</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3123">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,200</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--InterestPayableFairValueDisclosure_i01I_zaD8ohQQ13Fl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3127">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3128">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,130</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DerivativeLiabilities_i01I_z1cmpG0D3lIh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Derivative liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,087</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3133">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,087</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3135">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,087</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="text-indent: -8.65pt; padding-left: 0.25in; width: 35%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td id="xdx_490_20221231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_zLpMRmYqKAAd" style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td id="xdx_490_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zNhJT7SLOdx5" style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td id="xdx_491_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zbuqJwuKyB6b" style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td id="xdx_497_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zTJqjulOLmqk" style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td id="xdx_491_20221231_zmRW53Lu1RF1" style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Carrying Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td> </td> <td colspan="18" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--AssetsFairValueDisclosureAbstract_iB_za9CQQ8wOxsa" style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in">Assets:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_40E_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_i01I_zjx1ElZtMhV6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 40%; text-align: left; padding-left: 0.25in">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">30,342</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">30,342</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3146">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3147">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">30,342</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--HeldToMaturitySecuritiesFairValue_i01I_zNBqGjyEiKLd" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Securities held-to-maturity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">230,168</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,162</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">181,788</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3153">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">190,950</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_zJMS3LmSBaNh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Securities available-for-sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">146,997</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3157">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">146,997</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3159">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">146,997</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--EquitySecuritiesFvNi_iIP3us-gaap--AvailableForSaleSecuritiesDebtSecurities_zIIzbxEnXe4a" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,237</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,237</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3164">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3165">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,237</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--RestrictedInvestmentsAtFairValue_i01I_zwE4jWja09W8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Federal Home Loan Bank of Boston and other restricted stock</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,352</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3169">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3170">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,352</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,352</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--LoansReceivableFairValueDisclosure_i01I_zxMYQGhayGla" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Loans - net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,971,469</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3175">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3176">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,856,087</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,856,087</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--InterestReceivableFairValueDisclosure_i01I_zSpVX43bbRm6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,140</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3181">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3182">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,140</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,140</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_ecustom--FairValueOfMortgageServicingRights_i01I_zfPI8EQiCzWi" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">550</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3187">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">794</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3189">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">794</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DerivativeAssets_i01I_z5JLIWF0wKeg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Derivative asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,343</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3193">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,343</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3195">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,343</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zZNEIkr8mnuh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--DepositsFairValueDisclosure_i01I_z7naLjqIEzB4" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in">Deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,229,443</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3205">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3206">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,220,405</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,220,405</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--ShorttermDebtFairValue_i01I_zsy1fdKXr2h8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Short-term borrowings</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">41,350</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3211">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">41,350</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3213">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">41,350</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--LongTermDebtFairValue_i01I_zi5h1ZI2fLNe" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Long-term debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,178</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3217">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,094</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3219">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,094</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_ecustom--SubordinatedDebtFairValue_i01I_zLF8ZxYACXzi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Subordinated debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,673</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3223">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">18,132</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3225">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">18,132</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--InterestPayableFairValueDisclosure_i01I_zQk0rQfZXTEh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">186</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3229">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3230">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">186</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">186</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DerivativeLiabilities_i01I_zLKkfZoipbP8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Derivative liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,343</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3235">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,343</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3237">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,343</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A7_zdn7xU4e0kga" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p id="xdx_898_eus-gaap--ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_zv2RyxEHkFm" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assets and liabilities measured at fair value on a recurring basis are summarized below:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 95%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-align: left; vertical-align: bottom; text-indent: -8.65pt; padding-left: 8.65pt"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_49E_20230930__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zUhB0dBHMb3j" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_49A_20230930__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zhcbQNAimn9j" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_49B_20230930__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z9Yt0QfYKP7a" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_490_20230930__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_zHYQYGabhq5" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40C_eus-gaap--AssetsFairValueDisclosureAbstract_iB_ztvgCPtpVBeh" style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in">Assets:</td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_maCz2V1_zJ76qdHkabDi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 48%; text-align: left; padding-left: 0.125in">Available-for-sale securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2972">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">130,709</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2974">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">130,709</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DerivativeAssets_i01I_maCz2V1_zEh6VKxoOeLg" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Interest rate swaps</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2977">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,886</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2979">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,886</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AssetsFairValueDisclosure_i01TI_mtCz2V1_zdXtUobQ2sf2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in">Total assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2982">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">139,595</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2984">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">139,595</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zqrONI6oVHk7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DerivativeLiabilities_i01I_zPM2s9glS0Y6" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Interest rate swaps</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2992">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,087</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2994">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,087</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 95%; margin-right: auto"> <tr style="vertical-align: bottom"> <td style="text-indent: -8.65pt; padding-left: 8.65pt; text-align: center; vertical-align: bottom; width: 36%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td> <td style="text-align: center; vertical-align: bottom; width: 1%"> </td><td id="xdx_49A_20221231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zdG5F0Ka4aQc" style="text-align: center; vertical-align: bottom; width: 11%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td> <td style="text-align: center; vertical-align: bottom; width: 1%"> </td><td id="xdx_49D_20221231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zRZ3OBzDKyl7" style="text-align: center; vertical-align: bottom; width: 11%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td> <td style="text-align: center; vertical-align: bottom; width: 1%"> </td><td id="xdx_496_20221231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z1JXSfmPU4ve" style="text-align: center; vertical-align: bottom; width: 11%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td> <td style="text-align: center; vertical-align: bottom; width: 1%"> </td><td id="xdx_491_20221231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_z6zWmR7XaUgf" style="text-align: center; vertical-align: bottom; width: 11%"> </td><td style="text-align: center; vertical-align: bottom; width: 1%"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40C_eus-gaap--AssetsFairValueDisclosureAbstract_iB_znluYq9F3FP6" style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in">Assets:</td><td> </td> <td colspan="14" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_maCz2V1_zfJclFFJA392" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 48%; text-align: left; padding-left: 0.125in">Available-for-sale securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3002">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">146,997</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3004">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">146,997</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--EquitySecuritiesFvNi_iIP3us-gaap--AvailableForSaleSecuritiesDebtSecurities_maCz2V1_zpHcVluM9OEd" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.125in">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,237</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3008">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3009">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,237</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DerivativeAssets_i01I_maCz2V1_zSeQC8X7plLb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 1pt; padding-left: 0.125in">Interest rate swaps</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3012">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6,343</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3014">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6,343</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AssetsFairValueDisclosure_i01TI_mtCz2V1_z5GIFumxhqp" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.25in">Total assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,237</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">153,340</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3019">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">159,577</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zRM0MM5vRCJh" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DerivativeLiabilities_i01I_zdkAKLqvRZgk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in">Interest rate swaps</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3027">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,343</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3029">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,343</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 130709000 130709000 8886000 8886000 139595000 139595000 7087000 7087000 146997000 146997000 6237000 6237000 6343000 6343000 6237000 153340000 159577000 6343000 6343000 <p id="xdx_893_eus-gaap--FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_zmTVi4APDzZ9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following table summarizes the fair value hierarchy used to determine the carrying values of the related assets as of September 30, 2023 and December 31, 2022:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 95%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">At September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Total</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10" style="text-align: center">(In thousands)</td><td> </td><td> </td> <td colspan="2" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Collateral Dependent Loans</td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td id="xdx_983_ecustom--ImpairedLoansFairValue_iI_c20230930__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zSo9GW6d9T8b" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Impaired Loans">239</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--FairValueOptionChangesInFairValueGainLoss1_iN_di_c20230101__20230930__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember_zdQpYUn7d3Jh" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Total losses">1,828</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 95%; margin-right: auto"> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Nine Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">At December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Total</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10" style="text-align: center">(In thousands)</td><td> </td><td> </td> <td colspan="2" style="text-align: center">(In thousands)</td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Impaired Loans</td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td id="xdx_98C_ecustom--ImpairedLoansFairValue_iI_c20221231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zqhfWZVWdb51" style="border-bottom: Black 2.5pt double; width: 10%; text-align: right" title="Impaired Loans">877</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">—</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 239000 -1828000 877000 <p id="xdx_891_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_zY32R9SgOHob" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The estimated fair values of our financial instruments are as follows:</span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.25in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_497_20230930__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_zlsYUiw2Uomj" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_492_20230930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zq3lQ546lMA9" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_49B_20230930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zuuaFQ9IfyY6" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_496_20230930__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z9pzPX1OYLo4" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td style="font-weight: bold; text-align: center; vertical-align: bottom"> </td> <td id="xdx_49A_20230930_z26kWNEmtEmh" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">September 30, 2023</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Carrying <br/> Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td> </td> <td colspan="18" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--AssetsFairValueDisclosureAbstract_iB_zOakMzZXhivj" style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in">Assets:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_40E_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_i01I_zTI3DUxfdETa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 40%; text-align: left; padding-left: 0.25in">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">62,267</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">62,267</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3050">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3051">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">62,267</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--HeldToMaturitySecuritiesFairValue_i01I_z05nEwygJLDb" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Securities held-to-maturity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">225,020</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,236</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">167,625</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3057">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">176,861</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_zOvRk8ZPQ3Fg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Securities available-for-sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130,709</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3061">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130,709</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3063">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130,709</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--RestrictedInvestmentsAtFairValue_i01I_zAH0zc4cbiTk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Federal Home Loan Bank of Boston and other restricted stock</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,063</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3067">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3068">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,063</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,063</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--LoansReceivableFairValueDisclosure_i01I_zMCU6PIiyxFe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Loans - net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,994,842</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3073">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3074">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,827,262</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,827,262</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--InterestReceivableFairValueDisclosure_i01I_zUjcg5ctCvf2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,281</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3079">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3080">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,281</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,281</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_ecustom--FairValueOfMortgageServicingRights_i01I_zEUNnS2XMcdj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">445</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3085">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">745</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3087">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">745</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DerivativeAssets_i01I_zAHk2IqV0U99" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Derivative asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,886</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3091">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,886</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3093">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,886</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zs96e4YTyPuh" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--DepositsFairValueDisclosure_i01I_zEIwXuJcOOHh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,176,303</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3103">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3104">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,171,517</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,171,517</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--ShorttermDebtFairValue_i01I_zwoEePhhWpBf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Short-term borrowings</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,890</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3109">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,890</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3111">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,890</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--LongTermDebtFairValue_i01I_zFKiC1Q5ZCmk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Long-term debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">121,178</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3115">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,591</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3117">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">120,591</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_ecustom--SubordinatedDebtFairValue_i01I_z7PkWG7lKSC3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Subordinated debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,702</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3121">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,200</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3123">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,200</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--InterestPayableFairValueDisclosure_i01I_zaD8ohQQ13Fl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3127">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3128">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,130</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DerivativeLiabilities_i01I_z1cmpG0D3lIh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Derivative liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,087</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3133">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,087</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3135">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,087</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="text-indent: -8.65pt; padding-left: 0.25in; width: 35%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td id="xdx_490_20221231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_zLpMRmYqKAAd" style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td id="xdx_490_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zNhJT7SLOdx5" style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td id="xdx_491_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zbuqJwuKyB6b" style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td id="xdx_497_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zTJqjulOLmqk" style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td id="xdx_491_20221231_zmRW53Lu1RF1" style="text-align: right; width: 10%"> </td><td style="text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Carrying Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.25in; text-indent: -0.125in"> </td><td> </td> <td colspan="18" style="text-align: center">(In thousands)</td><td> </td></tr> <tr id="xdx_404_eus-gaap--AssetsFairValueDisclosureAbstract_iB_za9CQQ8wOxsa" style="vertical-align: bottom"> <td style="padding-left: 0.125in; font-weight: bold; text-indent: -0.125in">Assets:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_40E_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_i01I_zjx1ElZtMhV6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; width: 40%; text-align: left; padding-left: 0.25in">Cash and cash equivalents</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">30,342</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">30,342</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3146">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3147">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">30,342</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--HeldToMaturitySecuritiesFairValue_i01I_zNBqGjyEiKLd" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Securities held-to-maturity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">230,168</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,162</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">181,788</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3153">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">190,950</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_i01I_zJMS3LmSBaNh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Securities available-for-sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">146,997</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3157">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">146,997</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3159">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">146,997</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--EquitySecuritiesFvNi_iIP3us-gaap--AvailableForSaleSecuritiesDebtSecurities_zIIzbxEnXe4a" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Marketable equity securities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,237</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,237</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3164">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3165">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,237</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--RestrictedInvestmentsAtFairValue_i01I_zwE4jWja09W8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Federal Home Loan Bank of Boston and other restricted stock</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,352</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3169">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3170">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,352</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,352</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--LoansReceivableFairValueDisclosure_i01I_zxMYQGhayGla" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Loans - net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,971,469</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3175">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3176">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,856,087</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,856,087</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--InterestReceivableFairValueDisclosure_i01I_zSpVX43bbRm6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,140</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3181">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3182">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,140</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,140</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_ecustom--FairValueOfMortgageServicingRights_i01I_zfPI8EQiCzWi" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Mortgage servicing rights</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">550</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3187">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">794</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3189">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">794</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DerivativeAssets_i01I_z5JLIWF0wKeg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; text-align: left; padding-left: 0.25in">Derivative asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,343</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3193">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,343</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3195">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,343</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LiabilitiesFairValueDisclosureAbstract_iB_zZNEIkr8mnuh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; font-weight: bold; padding-left: 0.125in">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--DepositsFairValueDisclosure_i01I_z7naLjqIEzB4" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in">Deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,229,443</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3205">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3206">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,220,405</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,220,405</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--ShorttermDebtFairValue_i01I_zsy1fdKXr2h8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Short-term borrowings</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">41,350</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3211">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">41,350</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3213">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">41,350</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--LongTermDebtFairValue_i01I_zi5h1ZI2fLNe" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Long-term debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,178</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3217">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,094</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3219">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,094</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_ecustom--SubordinatedDebtFairValue_i01I_zLF8ZxYACXzi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Subordinated debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,673</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3223">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">18,132</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3225">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">18,132</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--InterestPayableFairValueDisclosure_i01I_zQk0rQfZXTEh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">186</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3229">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3230">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">186</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">186</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DerivativeLiabilities_i01I_zLKkfZoipbP8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Derivative liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,343</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3235">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,343</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3237">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,343</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> </table> 62267000 62267000 62267000 225020000 9236000 167625000 176861000 130709000 130709000 130709000 3063000 3063000 3063000 1994842000 1827262000 1827262000 8281000 8281000 8281000 445000 745000 745000 8886000 8886000 8886000 2176303000 2171517000 2171517000 8890000 8890000 8890000 121178000 120591000 120591000 19702000 17200000 17200000 2130000 2130000 2130000 7087000 7087000 7087000 30342000 30342000 30342000 230168000 9162000 181788000 190950000 146997000 146997000 146997000 6237000 6237000 6237000 3352000 3352000 3352000 1971469000 1856087000 1856087000 8140000 8140000 8140000 550000 794000 794000 6343000 6343000 6343000 2229443000 2220405000 2220405000 41350000 41350000 41350000 1178000 1094000 1094000 19673000 18132000 18132000 186000 186000 186000 6343000 6343000 6343000 Realized losses on available-for-sale securities are recognized as a component of non-interest income. The tax effects applicable to net realized losses were $1,000 for the nine months ended September 30, 2022. Realized losses on defined benefit plan termination are recognized as a component of non-interest income in the consolidated statements of net income.  The tax effects associated with the reclassification adjustment were $321,000 for the nine months ended September 30, 2023. Amounts represent the reclassification of defined benefit plan amortization and have been recognized as a component of non-interest expense in the consolidated statements of net income.  Income tax effects associated with the reclassification adjustments were $44,000 for the three months ended September 30, 2022. Income tax effects associated with the reclassification adjustment were $133,000 for the nine months ended September 30, 2022. Represents gross transition adjustment amount of $13,000, net of taxes of $4,000, to reflect the cumulative impact on retained earnings pursuant to the Company’s adoption of Accounting Standards Update (“ASU”) 2016-13 Financial Instruments-Credit Losses on Financial Instruments and relevant amendments. Refer to Note 5, “Loans and Allowance for Credit Losses” within the Notes to the Consolidated Financial Statements on Form 10-Q beginning with the quarter ended March 31, 2023. The Company adopted ASU 2016-13 on January 1, 2023 with a modified retrospective approach. Accordingly, beginning at January 1, 2023, the allowance for credit losses was determined in accordance with ASC 326, “Financial Instruments-Credit Losses.” Purchase credit deteriorated (“PCD loans”) gross up of cost basis of loans totaled $422,000 for commercial real estate loans and $1,691,000 for commercial and industrial loans. Increase to allowance for credit losses on loans of $2,113,000 for PCD loans gross up and a decrease of $931,000 for pooled loans through retained earnings. Represents the net adjustment needed to reflect the cumulative day one impact pursuant to the Company’s adoption of ASU 2016-13 (i.e., cumulative effect adjustment related to the adoption of ASU 2016-13 as of January 1, 2023). The adjustment represents a $931,000 decrease to the allowance for loans attributable to the change in accounting methodology for estimating the allowance for credit losses resulting from the Company’s adoption of the standard. The adjustment also includes the adjustment needed to reflect the day one reclassification of the Company’s PCI loan balances to PCD loan balances and the associated gross-up of $2,113,000, pursuant to the Company’s adoption of ASU 2016-13. The balance of $7.3 million and $6.8 million in accrued interest receivable is excluded from amortized cost and the calculation of the allowance for credit losses at September 30, 2023 and June 30, 2023, respectively. The Company adopted ASU 2016-13 as of January 1, 2023. Includes loans acquired with deteriorated credit quality and performing troubled debt restructurings. EXCEL 79 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx M4$L#!!0 ( />$8U<'04UB@0 +$ 0 9&]C4')O<',O87!P+GAM M;$V./0L",1!$_\IQO;=!P4)B0-!2L+(/>QLOD&1#LD)^OCG!CVX>;QA&WPIG M*N*I#BV&5(_C(I(/ !47BK9.7:=N')=HI6-Y #OGDK7A.YNJQ<&4GPZ4A!0W_J=0U[R;UEA_6\#MI7E!+ P04 M " #WA&-7@3\4Y^T K @ $0 &1O8U!R;W!S+V-O&ULS9+! 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